The Lenders Community Survey gathers homeowners feedback and 92 lenders recommendations for Massachusetts home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 10, 2025
<< Human Powered Recommendations >>
Massachusetts Top Lenders Home Refinance Loans
Boston, Worcester, Springfield, Cambridge, Lowell, Brockton, Lynn, Quincy, New Bedford, Fall River, Online lenders.
Recommendations are gathered from 1,281 local Mass members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Massachusetts Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Massachusetts Homeowners.
Boston Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Boston’s area are East Boston Savings Bank, Cambridge Savings Bank, and Rockland Trust.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| East Boston Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Cambridge Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Rockland Trust | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Berkshire Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| St. Mary’s Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| HarborOne Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Santander Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Citizens Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 78% |
Worcester Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Worcester’s area are UniBank, Guild Mortgage, and Salem Five Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| UniBank | Community Bank | 4.5 | 4.5 | 5.0 | 95% |
| Guild Mortgage | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Salem Five Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Eastern Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Avidia Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| DCU (Digital Federal Credit Union) | Credit Union | 3.5 | 4.0 | 4.0 | 83% |
| Leader Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 78% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 75% |
| M&T Bank | Bank | 3.0 | 3.0 | 3.5 | 72% |
Springfield Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Springfield’s area are Freedom Credit Union, Berkshire Bank, and Country Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Freedom Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Berkshire Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Country Bank | Community Bank | 4.5 | 4.5 | 4.5 | 93% |
| PeoplesBank | Community Bank | 4.0 | 4.5 | 4.5 | 91% |
| BankESB | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Greenfield Cooperative Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Chicopee Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| TD Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Santander Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 78% |
Cambridge Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Cambridge’s area are East Cambridge Savings Bank, Cambridge Savings Bank, and Eastern Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| East Cambridge Savings Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| Cambridge Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Eastern Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| UniBank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Citizens Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Webster First Federal Credit Union | Credit Union | 3.5 | 4.0 | 4.0 | 84% |
| Berkshire Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Rockland Trust | Bank | 3.5 | 3.5 | 4.0 | 80% |
| TD Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 75% |
Lowell Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lowell’s area are Lowell Five, Jeanne D’Arc Credit Union, and Middlesex Savings Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Lowell Five | Bank | 4.5 | 4.5 | 5.0 | 96% |
| Jeanne D’Arc Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Middlesex Savings Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| UniBank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Eastern Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Berkshire Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Santander Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
Brockton Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Brockton’s area are Rockland Federal Credit Union, Eastern Bank, and Berkshire Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Rockland Federal Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Eastern Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Berkshire Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| Santander Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Bank of America | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Citizens Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
| TD Bank | Bank | 3.0 | 3.5 | 3.5 | 78% |
Lynn Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lynn’s area are Eastern Bank, Salem Five Bank, and Metro Credit Union.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Eastern Bank | Bank | 4.5 | 4.5 | 5.0 | 95% |
| Salem Five Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Metro Credit Union | Credit Union | 4.0 | 4.5 | 4.5 | 90% |
| Santander Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Citizens Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Bank of America | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Total Mortgage | Bank | 3.0 | 3.5 | 3.5 | 78% |
Quincy Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Quincy’s area are Eastern Bank, Quincy Credit Union, and UniBank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Eastern Bank | Bank | 4.5 | 4.5 | 5.0 | 95% |
| Quincy Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| UniBank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Rockland Trust | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Berkshire Bank | Bank | 3.5 | 4.0 | 4.0 | 85% |
| Santander Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
| Bank of America | Bank | 3.0 | 3.5 | 3.5 | 78% |
New Bedford Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in New Bedford’s area are BayCoast Bank, St. Anne’s Credit Union, and Santander Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| BayCoast Bank | Community Bank | 4.5 | 4.5 | 5.0 | 96% |
| St. Anne’s Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Santander Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| Rockland Trust | Bank | 4.0 | 4.0 | 4.5 | 89% |
| Bristol County Savings Bank | Community Bank | 3.5 | 4.0 | 4.0 | 86% |
| BankFive | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
| Citizens Bank | Bank | 3.0 | 3.5 | 3.5 | 79% |
Fall River Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Fall River’s area are St. Anne’s Credit Union, Bristol County Savings Bank, and Eastern Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| St. Anne’s Credit Union | Credit Union | 4.5 | 4.5 | 5.0 | 96% |
| Bristol County Savings Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Eastern Bank | Bank | 4.0 | 4.5 | 4.5 | 91% |
| UniBank | Community Bank | 4.0 | 4.0 | 4.5 | 89% |
| Santander Bank | Bank | 3.5 | 4.0 | 4.0 | 86% |
| Rockland Trust | Bank | 3.5 | 3.5 | 4.0 | 83% |
| BankFive | Community Bank | 3.0 | 3.5 | 3.5 | 79% |
Best Massachusetts Online Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended online refinance lenders in Massachusetts are Rocket Mortgage, Better.com and LoanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $100k-$3M | 5.5%-7.5% | 15-30 years | 5 | 4 | 4 | 95% |
| Better.com | $100k-$2M | 5.25%-7.25% | 15-30 years | 5 | 5 | 3 | 93% |
| LoanDepot | $100k-$3M | 5.75%-7.75% | 10-30 years | 4 | 4 | 4 | 90% |
| Guaranteed Rate | $100k-$2.5M | 5.5%-7.5% | 15-30 years | 4 | 4 | 4 | 88% |
| SoFi | $100k-$2M | 5.25%-7.25% | 10-30 years | 4 | 4 | 3 | 85% |
| New American Funding | $100k-$3M | 5.75%-7.75% | 15-30 years | 3 | 4 | 4 | 83% |
| PennyMac | $100k-$3M | 5.5%-7.5% | 15-30 years | 3 | 3 | 4 | 80% |
| Freedom Mortgage | $100k-$3M | 5.75%-7.75% | 15-30 years | 3 | 3 | 3 | 78% |
| Mr. Cooper | $100k-$3M | 5.5%-7.5% | 15-30 years | 3 | 3 | 3 | 75% |
| Carrington Mortgage | $100k-$2.5M | 6.0%-8.0% | 15-30 years | 2 | 3 | 3 | 72% |
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