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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Montgomery County, Maryland

Fat Boy Data analyzed cash-out refinance activity in Montgomery 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. 7,135 applications were decided by 281 lenders between 2023 and 2025.

Montgomery County at a glance

281Active lenders60 with 20+ decisions
68.3%Market approval rate4,875 of 7,135 decided
$165KTypical loanmedian lender, $10K brackets
93%Borrower take-up4,551 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County68.3%Maryland65.4%All 616 counties68.2%
Typical loan compared
Montgomery County$165KMaryland$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Montgomery County, MD, 1,081 of them.

First Savings Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 5% approved of 37Network Capital Funding Corporation: 23% approved of 22Amerisave Mortgage Corporation: 26% approved of 388New Day Financial, LLC: 27% approved of 44Pentagon Federal Credit Union: 31% approved of 39Lakeview Loan Servicing, LLC: 32% approved of 47Carrington Mortgage Services, LLC: 33% approved of 169Spring Eq, LLC: 37% approved of 82Newrez LLC: 43% approved of 432Village Capital & Investment LLC: 44% approved of 36Quorum Federal Credit Union: 45% approved of 29Wells Fargo Bank, National Association: 46% approved of 87Embrace Home Loans, Inc.: 50% approved of 32Mutual of Omaha Mortgage, Inc.: 51% approved of 53Flagstar Bank, National Association: 57% approved of 53Advantagefirst Lending Inc.: 57% approved of 21The Federal Savings Bank: 58% approved of 36Nextmark: 59% approved of 51Loandepot.Com, LLC: 59% approved of 149U.S. Bank National Association: 61% approved of 33Freedom Mortgage Corporation: 61% approved of 83Educational Systems: 63% approved of 65New American Funding, LLC: 65% approved of 63Prosperity Home Mortgage, LLC: 66% approved of 35State Employees Credit Union of Maryland, Incorporated: 66% approved of 201TOWER Federal Credit Union: 67% approved of 171GoodLeap, LLC: 67% approved of 33PNC Bank, National Association: 68% approved of 28Navy Federal Credit Union: 70% approved of 244Northwest Federal Credit Union: 70% approved of 67Citibank, National Association: 71% approved of 34Nationstar Mortgage LLC: 71% approved of 126Pennymac Loan Services, LLC: 72% approved of 184United Wholesale Mortgage, LLC: 72% approved of 377Lower, LLC: 73% approved of 30Manufacturers and Traders Trust Company: 74% approved of 31Bank of America, National Association: 75% approved of 28Equity Resources, Inc.: 75% approved of 28JPMorgan Chase Bank, National Association: 75% approved of 53Ocmbc, Inc.: 78% approved of 27Truist Bank: 81% approved of 53Sofi Bank, N.A.tional Association: 81% approved of 32Sandy Spring Bank: 83% approved of 103Rocket Mortgage, LLC: 83% approved of 1,359Atlantic Union Bank: 83% approved of 105National Institutes of Health Federal Credit Union: 83% approved of 36Reliance First Capital, LLC: 84% approved of 25Wright Patman Congressional Federal Credit Union: 85% approved of 72Signal Financial Federal Credit Union: 86% approved of 28Bank-Fund Staff Federal Credit Union: 89% approved of 438Cardinal Financial Company, Limited Partnership: 89% approved of 28Vellum Mortgage, Inc.: 90% approved of 20Sun West Mortgage Company, Inc.: 91% approved of 22TowneBank: 93% approved of 29Atlantic Coast Mortgage, LLC: 95% approved of 20Crosscountry Mortgage, LLC: 95% approved of 21Coastal Community Bank: 100% approved of 28First Savings Mortgage Corporation: 100% approved of 27Lafayette Federal Credit Union: 100% approved of 24IDB Global Federal Credit Union: 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 Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC83%1,123 / 1,35996%$135K1,081
2Bank-Fund Staff Federal Credit Union89%388 / 43898%$155K380
3Newrez LLC43%184 / 43296%$115K177
4Amerisave Mortgage Corporation26%101 / 38896%$125K97
5United Wholesale Mortgage, LLCBroker only72%271 / 37794%$355K256

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 276 more lenders.

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Other lending data for Montgomery County

Mortgage lenders in Montgomery CountyHome improvement loans in Montgomery CountyRefinance in Montgomery CountyInvestment property purchase in Montgomery CountyInvestment cash-out refinance in Montgomery CountyInvestment refinance in Montgomery CountyInvestment home improvement in Montgomery County

Nearby markets

All lending in Montgomery CountyCounty overviewCash-out refinance across MarylandStatewideFrederick CountyNearby countyHoward CountyNearby countyPrince George's CountyNearby county