HomeMarylandFrederick CountyCash-out refinance
cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Frederick County, Maryland

Fat Boy Data analyzed cash-out refinance activity in Frederick 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. 3,238 applications were decided by 200 lenders between 2023 and 2025.

Frederick County at a glance

200Active lenders27 with 20+ decisions
72.4%Market approval rate2,343 of 3,238 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,218 loans funded

How Frederick County compares

Approval rate compared
Frederick County72.4%Maryland65.4%All 616 counties68.2%
Typical loan compared
Frederick County$145KMaryland$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Frederick County, MD, 666 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Rocket Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 89% of 774.

Lenders approved 72.4% of cash-out refinance applications in Frederick County, MD, 7.0 percentage points above the Maryland rate of 65.4%.

Approval rate of all 27 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 15% approved of 40Lakeview Loan Servicing, LLC: 26% approved of 42American Financing Corporation: 32% approved of 22Amerisave Mortgage Corporation: 32% approved of 159Carrington Mortgage Services, LLC: 38% approved of 97New American Funding, LLC: 38% approved of 34New Day Financial, LLC: 39% approved of 23Spring Eq, LLC: 44% approved of 50Mutual of Omaha Mortgage, Inc.: 51% approved of 45Newrez LLC: 55% approved of 163Flagstar Bank, National Association: 59% approved of 32Wells Fargo Bank, National Association: 60% approved of 25Navy Federal Credit Union: 64% approved of 109Freedom Mortgage Corporation: 67% approved of 94Loandepot.Com, LLC: 71% approved of 90GoodLeap, LLC: 74% approved of 27State Employees Credit Union of Maryland, Incorporated: 75% approved of 59Truist Bank: 75% approved of 32Pennymac Loan Services, LLC: 76% approved of 158First Financial of Maryland Federal Credit Union: 76% approved of 42United Wholesale Mortgage, LLC: 79% approved of 156TOWER Federal Credit Union: 81% approved of 59Sandy Spring Bank: 82% approved of 28Northwest Federal Credit Union: 83% approved of 24Nationstar Mortgage LLC: 88% approved of 68Rocket Mortgage, LLC: 89% approved of 774Coastal Community Bank: 100% approved of 20

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

Cash-out refinance lenders in Frederick County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC89%688 / 77497%$105K666
2Newrez LLC55%90 / 16398%$105K88
3Amerisave Mortgage Corporation32%51 / 15998%$95K50
4Pennymac Loan Services, LLC76%120 / 15895%$155K114
5United Wholesale Mortgage, LLCBroker only79%123 / 15698%$335K120

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 195 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Frederick 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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