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refinance lenders · HMDA 2023–2025

Refinance lenders in Carroll County, Maryland

Fat Boy Data analyzed mortgage refinance activity in Carroll County, Maryland to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,815 applications were decided by 188 lenders between 2023 and 2025.

Carroll County at a glance

188Active lenders14 with 20+ decisions
80.4%Market approval rate1,460 of 1,815 decided
$205KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,368 loans funded

How Carroll County compares

Approval rate compared
Carroll County80.4%Maryland76.1%All 616 counties76.5%
Typical loan compared
Carroll County$205KMaryland$405KAll 616 counties$295K

What the data shows

PNC Bank, National Association made the most mortgage refinances in Carroll County, MD, 191 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 97% of 67.

The typical mortgage refinance here is $205K, 49% smaller than the Maryland typical of $405K.

Approval rate of all 14 lenders with 20+ decisions here
0%25%50%75%100%State Employees Credit Union of Maryland, Incorporated: 43% approved of 21Citizens Bank, National Association: 57% approved of 23Mortgage Research Center, LLC: 64% approved of 28Bank of America, National Association: 65% approved of 62First National Bank of Pennsylvania: 68% approved of 31ACNB Bank: 70% approved of 53Newrez LLC: 72% approved of 32Truist Bank: 76% approved of 255PNC Bank, National Association: 78% approved of 250Manufacturers and Traders Trust Company: 86% approved of 148United Wholesale Mortgage, LLC: 87% approved of 103Pennymac Loan Services, LLC: 94% approved of 32Rocket Mortgage, LLC: 94% approved of 101Freedom Mortgage Corporation: 97% approved of 67

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Carroll County

LenderApprovalApprovedTaken upTypical loanLoans made
1Truist Bank76%195 / 25592%$105K179
2PNC Bank, National Association78%196 / 25097%$145K191
3Manufacturers and Traders Trust Company86%127 / 14895%$105K121
4United Wholesale Mortgage, LLCBroker only87%90 / 10396%$445K86
5Rocket Mortgage, LLC94%95 / 10195%$375K90

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 183 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Carroll County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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