refinance lenders · HMDA 2023–2025

Refinance lenders in Baltimore County, Maryland

Fat Boy Data analyzed mortgage refinance activity in Baltimore 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. 2,629 applications were decided by 224 lenders between 2023 and 2025.

Baltimore County at a glance

224Active lenders23 with 20+ decisions
68.4%Market approval rate1,798 of 2,629 decided
$235KTypical loanmedian lender, $10K brackets
90%Borrower take-up1,622 loans funded

How Baltimore County compares

Approval rate compared
Baltimore County68.4%Maryland76.1%All 616 counties76.5%
Typical loan compared
Baltimore County$235KMaryland$405KAll 616 counties$295K

What the data shows

Manufacturers and Traders Trust Company made the most mortgage refinances in Baltimore County, MD, 139 of them.

Das Acquisition Company, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 20.

Lenders approved 68.4% of mortgage refinance applications in Baltimore County, MD, 7.8 percentage points below the Maryland rate of 76.1%.

The typical mortgage refinance here is $235K, 42% smaller than the Maryland typical of $405K.

Approval rate of all 23 lenders with 20+ decisions here
0%25%50%75%100%One lender: 22% approved of 60One lender: 23% approved of 57One lender: 46% approved of 24One lender: 47% approved of 101One lender: 48% approved of 21One lender: 53% approved of 73One lender: 54% approved of 65One lender: 59% approved of 27One lender: 62% approved of 65Rocket Mortgage, LLC: 63% approved of 199One lender: 64% approved of 77Manufacturers and Traders Trust Company: 65% approved of 237PNC Bank, National Association: 66% approved of 116One lender: 68% approved of 25One lender: 76% approved of 55United Wholesale Mortgage, LLC: 79% approved of 200One lender: 79% approved of 24One lender: 80% approved of 106One lender: 83% approved of 23One lender: 85% approved of 65Freedom Mortgage Corporation: 94% approved of 143One lender: 96% approved of 24One lender: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Baltimore County

LenderApprovalApprovedTaken upTypical loanLoans made
1Manufacturers and Traders Trust Company65%153 / 23791%$85K139
2United Wholesale Mortgage, LLCBroker only79%158 / 20089%$275K141
3Rocket Mortgage, LLC63%125 / 19994%$235K118
4Freedom Mortgage Corporation94%134 / 14374%$295K99
5PNC Bank, National Association66%76 / 11693%$105K71

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

Fat Boy found 219 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Baltimore County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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