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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Maryland

Fat Boy Data analyzed cash-out refinance activity in 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. 58,855 applications were decided by 470 lenders between 2023 and 2025.

Maryland at a glance

470Active lenders165 with 20+ decisions
65.4%Market approval rate38,471 of 58,855 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up36,279 loans funded

How Maryland compares

Approval rate compared
Maryland65.4%All 616 counties68.2%
Typical loan compared
Maryland$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Maryland, 8,972 of them.

POINT BREEZE Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 99% of 230.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 14% approved of 622American Financing Corporation: 18% approved of 216Network Capital Funding Corporation: 18% approved of 163Lakeview Loan Servicing, LLC: 23% approved of 673Amerisave Mortgage Corporation: 28% approved of 3,235Carrington Mortgage Services, LLC: 32% approved of 2,263Pentagon Federal Credit Union: 32% approved of 293New Day Financial, LLC: 33% approved of 827Spring Eq, LLC: 41% approved of 483Wells Fargo Bank, National Association: 42% approved of 745Newrez LLC: 43% approved of 3,025New American Funding, LLC: 43% approved of 619Mutual of Omaha Mortgage, Inc.: 52% approved of 599Nextmark: 53% approved of 154Prosperity Home Mortgage, LLC: 53% approved of 202U.S. Bank National Association: 54% approved of 156Village Capital & Investment LLC: 56% approved of 570Loandepot.Com, LLC: 62% approved of 1,633Johns Hopkins Federal Credit Union: 62% approved of 218Flagstar Bank, National Association: 63% approved of 305Navy Federal Credit Union: 63% approved of 2,205Educational Systems: 64% approved of 184Freedom Mortgage Corporation: 66% approved of 1,732PNC Bank, National Association: 67% approved of 223Quorum Federal Credit Union: 67% approved of 198Pennymac Loan Services, LLC: 68% approved of 1,848Advantagefirst Lending Inc.: 68% approved of 171Onity Mortgage Corporation: 68% approved of 188Lower, LLC: 69% approved of 176GoodLeap, LLC: 69% approved of 558The Federal Savings Bank: 70% approved of 465Manufacturers and Traders Trust Company: 70% approved of 492United Wholesale Mortgage, LLC: 71% approved of 3,192Ocmbc, Inc.: 71% approved of 183Northwest Federal Credit Union: 71% approved of 201State Employees Credit Union of Maryland, Incorporated: 72% approved of 1,554Truist Bank: 72% approved of 327TOWER Federal Credit Union: 74% approved of 1,155Sun West Mortgage Company, Inc.: 75% approved of 253Cardinal Financial Company, Limited Partnership: 76% approved of 173Nationstar Mortgage LLC: 76% approved of 1,181Sandy Spring Bank: 77% approved of 255Equity Prime Mortgage LLC: 79% approved of 229Rocket Mortgage, LLC: 80% approved of 11,674Wright Patman Congressional Federal Credit Union: 80% approved of 271Atlantic Union Bank: 85% approved of 209JPMorgan Chase Bank, National Association: 85% approved of 388Bank-Fund Staff Federal Credit Union: 86% approved of 565Aberdeen Proving Ground Federal Credit Union: 86% approved of 1,814Andrews Federal Credit Union: 87% approved of 187First Financial of Maryland Federal Credit Union: 87% approved of 937TowneBank: 89% approved of 166Crosscountry Mortgage, LLC: 91% approved of 239Reliance First Capital, LLC: 96% approved of 204First Home Mortgage Corporation: 96% approved of 176Movement Mortgage, LLC: 96% approved of 187Cedar Point Federal Credit Union: 97% approved of 181Nfm, Inc.: 97% approved of 152POINT BREEZE Credit Union: 99% approved of 230Coastal Community Bank: 100% approved of 208

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

Cash-out refinance lenders in Maryland

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC80%9,287 / 11,67497%$155K8,972
2Amerisave Mortgage Corporation28%897 / 3,23597%$95K867
3United Wholesale Mortgage, LLCBroker only71%2,260 / 3,19296%$325K2,170
4Newrez LLC43%1,311 / 3,02598%$115K1,285
5Carrington Mortgage Services, LLC32%719 / 2,26379%$225K566

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 465 more lenders.

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Other lending data for Maryland

Mortgage lenders in MarylandHome improvement loans in MarylandRefinance in MarylandInvestment property purchase in MarylandInvestment cash-out refinance in MarylandInvestment refinance in MarylandInvestment home improvement in Maryland

Counties in Maryland

Montgomery CountyCountyPrince George's CountyCountyBaltimore CountyCountyAnne Arundel CountyCountyBaltimore cityCountyHoward CountyCountyFrederick CountyCountyHarford CountyCountyCarroll CountyCountyCharles CountyCountyWashington CountyCountySt. Mary's CountyCounty