Cash-out refinancing lenders in Worcester County
2,858 cash-out refinancing mortgages were made in Worcester County, Massachusetts, in 2025, by 277 lenders. The median rate their borrowers got was 6.990% on a median loan of $235,000. Of 4,059 decisions, 1,090 were denials — 26.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 608 | 7.788% | $155,000 | 19.1% |
| DIGITAL | 150 | 7.750% | $150,000 | 25.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 146 | 6.863% | $285,000 | 19.9% |
| NEWREZ LLC | 106 | 7.875% | $105,000 | 47.3% |
| Workers Federal Credit Union | 103 | 7.000% | $125,000 | 16.4% |
| AmeriSave Mortgage Corporation | 102 | 8.438% | $85,000 | 57.9% |
| UniBank for Savings | 91 | 7.000% | $155,000 | 12.8% |
| Loandepot.Com, LLC | 80 | 6.490% | $290,000 | 23.6% |
| FREEDOM MORTGAGE CORPORATION | 57 | 6.250% | $335,000 | 33.7% |
| WEBSTER FIRST Federal Credit Union | 54 | 6.500% | $230,000 | 23.3% |
| Fidelity Co-operative Bank | 53 | 5.990% | $145,000 | 24.4% |
| PENNYMAC LOAN SERVICES, LLC | 50 | 6.250% | $295,000 | 30.6% |
| GUILD MORTGAGE COMPANY | 47 | 6.875% | $245,000 | 15.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 44 | 6.313% | $325,000 | 41.8% |
| NATIONSTAR MORTGAGE LLC | 39 | 6.625% | $295,000 | 22.0% |
| Broker Solutions, Inc. | 38 | 6.813% | $325,000 | 30.9% |
| GUARANTEED RATE, INC. | 33 | 6.625% | $345,000 | 13.2% |
| Webster Five Cents Savings Bank | 31 | Not published | $115,000 | 31.9% |
| GFA Federal Credit Union | 31 | Not published | $105,000 | 18.4% |
| Fairway Independent Mortgage Corporation | 30 | 6.990% | $380,000 | 11.4% |
| I-C Federal Credit Union | 28 | 6.990% | $105,000 | 30.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.990% | $325,000 | 10.0% |
| St. Mary's Credit Union | 26 | 6.875% | $165,000 | 7.1% |
| Leader Bank, National Association | 25 | 6.000% | $385,000 | 7.1% |
| Country Bank for Savings | 23 | 6.500% | $405,000 | 17.2% |
| Milford Federal Bank | 20 | Not published | $110,000 | 13.0% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 6.500% | $275,000 | 51.1% |
| CMG MORTGAGE, INC. | 19 | 6.990% | $345,000 | 8.7% |
| NORTHPOINT MORTGAGE, INC. | 16 | 6.625% | $360,000 | 15.0% |
| The Federal Savings Bank | 15 | 6.500% | $345,000 | 25.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 15 | 7.750% | $155,000 | 20.0% |
| Navy Federal Credit Union | 14 | 7.950% | $180,000 | 22.2% |
| Cornerstone Bank | 13 | Not published | $325,000 | 35.0% |
| Athol Savings Bank | 13 | Not published | $135,000 | 43.5% |
| TOTAL MORTGAGE SERVICES, LLC | 13 | 7.000% | $265,000 | 0.0% |
| Wells Fargo Bank, National Association | 12 | 6.313% | $230,000 | 42.9% |
| CENTRAL ONE FEDERAL CREDIT UNION | 12 | 6.058% | $310,000 | 20.0% |
| Clinton Savings Bank | 12 | Not published | $235,000 | 20.0% |
| Avidia Bank | 12 | Not published | $330,000 | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 6.933% | $370,000 | 20.0% |
| Savers Co-operative Bank | 12 | Not published | $160,000 | 7.7% |
| MOVEMENT MORTGAGE, LLC | 11 | 7.250% | $365,000 | 12.5% |
| LEOMINSTER CREDIT UNION | 11 | Not published | $375,000 | 47.8% |
| QUORUM FEDERAL CREDIT UNION | 11 | 10.625% | $155,000 | 29.4% |
| TOP FLITE FINANCIAL, INC. | 11 | 6.875% | $275,000 | 15.4% |
| Nations Lending Corporation | 11 | 6.625% | $275,000 | 7.1% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 7.500% | $445,000 | 20.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 11 | 7.400% | $465,000 | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 11 | 7.125% | $355,000 | 8.3% |
| Dean Co-operative Bank | 11 | Not published | $165,000 | 15.4% |
| LOWER, LLC | 10 | 6.563% | $335,000 | 42.1% |
| OCMBC, INC. | 10 | 7.250% | $495,000 | 20.0% |
| ATHOL CREDIT UNION | 10 | 6.500% | $100,000 | 9.1% |
| U.S. Bank National Association | 10 | 7.058% | $195,000 | 23.1% |
| Bank of America, National Association | 10 | 6.563% | $280,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 76.3% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 36.8% |
| SOUTHBRIDGE CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| RADIUS FINANCIAL GROUP INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| GoodLeap, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Bay State Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Metrowest Community Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| METRO Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CALCON MUTUAL MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Rhode Island Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Emporium TPO LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 54.6% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Rockland Trust Company | 5 | Under 10 loans | Under 10 loans | 44.4% |
| North Brookfield Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MILLBURY | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HARBORONE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEFIELD | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHARLES RIVER BANK | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 40.0% |
| NETWORK FUNDING, L.P. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ROCKLAND Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centreville Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Monson Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 88.9% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BAYCOAST MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Cape Cod Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FLYHOMES MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Bank Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UMASSFIVE COLLEGE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 66.7% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Millbury National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Rollstone Bank & Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Direct Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cambridge Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 77 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.