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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Carroll County, Maryland

Fat Boy Data analyzed cash-out refinance activity in Carroll 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. 2,399 applications were decided by 169 lenders between 2023 and 2025.

Carroll County at a glance

169Active lenders18 with 20+ decisions
76.2%Market approval rate1,829 of 2,399 decided
$145KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,753 loans funded

How Carroll County compares

Approval rate compared
Carroll County76.2%Maryland65.4%All 616 counties68.2%
Typical loan compared
Carroll County$145KMaryland$155KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Carroll County, MD, 409 of them.

POINT BREEZE Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 52.

Lenders approved 76.2% of cash-out refinance applications in Carroll County, MD, 10.9 percentage points above the Maryland rate of 65.4%.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 28% approved of 114Carrington Mortgage Services, LLC: 33% approved of 60Lakeview Loan Servicing, LLC: 41% approved of 22Newrez LLC: 56% approved of 123Spring Eq, LLC: 58% approved of 26PNC Bank, National Association: 60% approved of 40Navy Federal Credit Union: 71% approved of 52Loandepot.Com, LLC: 72% approved of 39State Employees Credit Union of Maryland, Incorporated: 72% approved of 54Wells Fargo Bank, National Association: 73% approved of 22United Wholesale Mortgage, LLC: 76% approved of 98Pennymac Loan Services, LLC: 76% approved of 83Freedom Mortgage Corporation: 82% approved of 50TOWER Federal Credit Union: 84% approved of 93Nationstar Mortgage LLC: 84% approved of 32Rocket Mortgage, LLC: 85% approved of 497First Financial of Maryland Federal Credit Union: 91% approved of 367POINT BREEZE Credit Union: 100% approved of 52

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

Cash-out refinance lenders in Carroll County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC85%422 / 49797%$145K409
2First Financial of Maryland Federal Credit Union91%333 / 36799%$85K331
3Newrez LLC56%69 / 123100%$105K69
4Amerisave Mortgage Corporation28%32 / 11494%$75K30
5United Wholesale Mortgage, LLCBroker only76%74 / 9897%$325K72

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 164 more lenders.

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