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refinance lenders · HMDA 2023–2025

Refinance lenders in Montgomery County, Maryland

Fat Boy Data analyzed mortgage 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. 7,056 applications were decided by 321 lenders between 2023 and 2025.

Montgomery County at a glance

321Active lenders58 with 20+ decisions
75.8%Market approval rate5,350 of 7,056 decided
$435KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,047 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County75.8%Maryland76.1%All 616 counties76.5%
Typical loan compared
Montgomery County$435KMaryland$405KAll 616 counties$295K

What the data shows

Truist Bank made the most mortgage refinances in Montgomery County, MD, 529 of them.

First Savings Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 81.

Approval rate of all 58 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 21% approved of 24Spring Eq, LLC: 29% approved of 49Carrington Mortgage Services, LLC: 38% approved of 21State Employees Credit Union of Maryland, Incorporated: 39% approved of 80Lakeview Loan Servicing, LLC: 42% approved of 59Bank-Fund Staff Federal Credit Union: 46% approved of 28Mortgage Research Center, LLC: 47% approved of 45Pentagon Federal Credit Union: 55% approved of 109Educational Systems: 58% approved of 89Third Federal Savings And Loan Association Of Cleveland: 60% approved of 105Navy Federal Credit Union: 63% approved of 52Bank of America, National Association: 64% approved of 388TD Bank, National Association: 65% approved of 184Citizens Bank, National Association: 66% approved of 198Truist Bank: 66% approved of 860Newrez LLC: 66% approved of 122Atlantic Union Bank: 67% approved of 21Onity Mortgage Corporation: 68% approved of 31Better Mortgage Corporation: 71% approved of 34PNC Bank, National Association: 72% approved of 399New American Funding, LLC: 73% approved of 22First National Bank of Pennsylvania: 73% approved of 180Fulton Bank, National Association: 74% approved of 35Wells Fargo Bank, National Association: 77% approved of 86Nbkc Bank: 78% approved of 27Nationstar Mortgage LLC: 78% approved of 51Rocket Mortgage, LLC: 79% approved of 420Embrace Home Loans, Inc.: 79% approved of 43Manufacturers and Traders Trust Company: 79% approved of 311Loandepot.Com, LLC: 81% approved of 36Prosperity Home Mortgage, LLC: 81% approved of 52U.S. Bank National Association: 81% approved of 47United Bank: 83% approved of 81Pennymac Loan Services, LLC: 83% approved of 157Sandy Spring Bank: 84% approved of 159United Wholesale Mortgage, LLC: 85% approved of 402Sage Home Loans Corporation: 85% approved of 40NASA Federal Credit Union: 86% approved of 22Lower, LLC: 88% approved of 25Mutual of Omaha Mortgage, Inc.: 88% approved of 52JPMorgan Chase Bank, National Association: 89% approved of 81Fidelity Direct Mortgage, LLC: 90% approved of 29Finance of America Reverse LLC: 91% approved of 22Guaranteed Rate, Inc.: 92% approved of 61TowneBank: 93% approved of 27Citibank, National Association: 93% approved of 27Village Capital & Investment LLC: 94% approved of 54Atlantic Coast Mortgage, LLC: 95% approved of 41Fairway Independent Mortgage Corporation: 96% approved of 23Freedom Mortgage Corporation: 96% approved of 144Provident Funding Associates, L.P.: 97% approved of 30First Heritage Mortgage, LLC: 97% approved of 38First Home Mortgage Corporation: 97% approved of 39Crosscountry Mortgage, LLC: 98% approved of 58First Savings Mortgage Corporation: 100% approved of 81Nfm, Inc.: 100% approved of 22Vellum Mortgage, Inc.: 100% approved of 21Cmg Mortgage, Inc.: 100% approved of 21

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

Refinance lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Truist Bank66%570 / 86093%$255K529
2Rocket Mortgage, LLC79%331 / 42096%$455K318
3United Wholesale Mortgage, LLCBroker only85%340 / 40293%$545K315
4PNC Bank, National Association72%288 / 39997%$205K279
5Bank of America, National Association64%247 / 38898%$215K242

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 316 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Montgomery 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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Other lending data for Montgomery County

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Nearby markets

All lending in Montgomery CountyCounty overviewRefinance across MarylandStatewideFrederick CountyNearby countyHoward CountyNearby countyPrince George's CountyNearby county