Refinancing lenders in Worcester County
2,952 refinancing mortgages were made in Worcester County, Massachusetts, in 2025, by 300 lenders. The median rate their borrowers got was 6.250% on a median loan of $335,000. Of 3,810 decisions, 649 were denials — 17.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 259 | 7.650% | $205,000 | 21.3% |
| Rocket Mortgage, LLC | 215 | 5.990% | $365,000 | 15.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 169 | 5.925% | $405,000 | 20.4% |
| LEOMINSTER CREDIT UNION | 143 | Not published | $125,000 | 13.0% |
| Cornerstone Bank | 106 | Not published | $155,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 74 | 6.250% | $415,000 | 5.3% |
| CENTRAL ONE FEDERAL CREDIT UNION | 73 | 6.500% | $185,000 | 8.8% |
| Bank of America, National Association | 67 | 5.990% | $155,000 | 28.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 58 | 6.125% | $405,000 | 0.0% |
| CMG MORTGAGE, INC. | 58 | 6.375% | $390,000 | 9.5% |
| GUARANTEED RATE, INC. | 56 | 6.125% | $465,000 | 8.1% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 5.990% | $395,000 | 7.7% |
| Leader Bank, National Association | 56 | 6.375% | $445,000 | 3.4% |
| GUILD MORTGAGE COMPANY | 55 | 6.250% | $415,000 | 6.4% |
| TD Bank, National Association | 51 | 7.440% | $205,000 | 28.4% |
| NEWREZ LLC | 49 | 6.125% | $395,000 | 26.8% |
| Fairway Independent Mortgage Corporation | 47 | 6.375% | $405,000 | 11.3% |
| LAKEVIEW LOAN SERVICING, LLC | 44 | 6.125% | $420,000 | 38.3% |
| bankESB | 41 | 5.990% | $145,000 | 4.7% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.125% | $360,000 | 11.4% |
| Country Bank for Savings | 36 | 7.500% | $105,000 | 9.3% |
| Loandepot.Com, LLC | 34 | 6.125% | $490,000 | 5.3% |
| DREW MORTGAGE ASSOCIATES, INC. | 33 | 6.990% | $275,000 | 19.5% |
| Middlesex Savings Bank | 33 | 6.125% | $355,000 | 19.5% |
| Rockland Trust Company | 27 | 6.990% | $215,000 | 28.2% |
| T2 FINANCIAL LLC | 27 | 6.500% | $515,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 25 | 6.250% | $455,000 | 10.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.313% | $280,000 | 20.0% |
| Manufacturers and Traders Trust Company | 23 | 5.990% | $280,000 | 25.0% |
| UniBank for Savings | 22 | 5.875% | $355,000 | 8.0% |
| GFA Federal Credit Union | 21 | Not published | $165,000 | 22.2% |
| U.S. Bank National Association | 21 | 6.375% | $595,000 | 8.7% |
| MOVEMENT MORTGAGE, LLC | 21 | 6.062% | $455,000 | 4.2% |
| TOTAL MORTGAGE SERVICES, LLC | 21 | 5.990% | $425,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 5.813% | $360,000 | 25.6% |
| DIGITAL | 19 | 5.750% | $445,000 | 37.5% |
| Hanscom Federal Credit Union | 18 | 7.250% | $165,000 | 17.4% |
| JPMorgan Chase Bank, National Association | 18 | 6.000% | $455,000 | 4.8% |
| EMM LOANS LLC | 18 | 6.875% | $385,000 | 0.0% |
| Broker Solutions, Inc. | 17 | 6.250% | $425,000 | 32.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 17 | 5.990% | $535,000 | 0.0% |
| Webster Five Cents Savings Bank | 17 | Not published | $465,000 | 5.6% |
| Eastern Bank | 16 | 6.995% | $240,000 | 38.5% |
| Workers Federal Credit Union | 16 | 5.920% | $580,000 | 10.5% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 6.438% | $215,000 | 26.1% |
| ROSS MORTGAGE COMPANY, INC. | 13 | 6.490% | $375,000 | 0.0% |
| Mortgage Research Center, LLC | 12 | 5.750% | $445,000 | 47.8% |
| MERRIMACK VALLEY | 12 | 7.500% | $200,000 | 7.7% |
| Discover Bank | 11 | 8.560% | $85,000 | 63.3% |
| OCMBC, INC. | 11 | 6.750% | $305,000 | 16.7% |
| WEBSTER FIRST Federal Credit Union | 11 | 5.250% | $495,000 | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 5.990% | $405,000 | 8.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 11 | 6.250% | $445,000 | 29.4% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.125% | $345,000 | 0.0% |
| Northpointe Bank | 11 | 6.125% | $485,000 | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 11 | 5.875% | $375,000 | 0.0% |
| PHH Mortgage Corporation | 10 | 6.058% | $400,000 | 0.0% |
| NBKC BANK | 10 | 5.995% | $465,000 | 16.7% |
| Berkshire Bank | 10 | 5.125% | $170,000 | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.625% | $370,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 10 | 6.433% | $395,000 | 16.7% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| Fidelity Co-operative Bank | 9 | Under 10 loans | Under 10 loans | 8.3% |
| WORCESTER CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| FINANCE OF AMERICA REVERSE LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 8 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEW FED MORTGAGE, CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Avidia Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| EMBRACE HOME LOANS, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Colorado Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| HARBORONE MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NAVIGANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bay State Savings Bank | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Savers Co-operative Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| I-C Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| METRO Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHARLES RIVER BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHBRIDGE CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cambridge Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| JEANNE D'ARC Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Greenfield Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| INTELLILOAN, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Salem Five Cents Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| St. Mary's Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Millbury National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Webster Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Lowell Five Cent Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North Brookfield Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Clinton Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SHREWSBURY FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Monson Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Dean Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UMASSFIVE COLLEGE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL1 Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATHOL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Norwood Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHARON & CRESCENT UNITED Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLACKSTONE RIVER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 25.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Athol Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORTHEAST HOME LOAN, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East Cambridge Savings Bank | 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 100 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Worcester County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.