refinance lenders · HMDA 2023–2025

Refinance lenders in Frederick County, Maryland

Fat Boy Data analyzed mortgage 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. 3,255 applications were decided by 242 lenders between 2023 and 2025.

Frederick County at a glance

242Active lenders28 with 20+ decisions
79.8%Market approval rate2,597 of 3,255 decided
$395KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,404 loans funded

How Frederick County compares

Approval rate compared
Frederick County79.8%Maryland76.1%All 616 counties76.5%
Typical loan compared
Frederick County$395KMaryland$405KAll 616 counties$295K

What the data shows

PNC Bank, National Association made the most mortgage refinances in Frederick County, MD, 355 of them.

Federated Mortgage Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 29.

Approval rate of all 28 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 46% approved of 46Lakeview Loan Servicing, LLC: 49% approved of 39Pentagon Federal Credit Union: 57% approved of 44Third Federal Savings And Loan Association Of Cleveland: 57% approved of 28Patriot Credit Union: 58% approved of 31State Employees Credit Union of Maryland, Incorporated: 60% approved of 25TD Bank, National Association: 62% approved of 24Bank of America, National Association: 63% approved of 82First National Bank of Pennsylvania: 65% approved of 31Truist Bank: 67% approved of 291Navy Federal Credit Union: 67% approved of 33Loandepot.Com, LLC: 68% approved of 22Newrez LLC: 70% approved of 71Citizens Bank, National Association: 71% approved of 24PNC Bank, National Association: 78% approved of 473Nationstar Mortgage LLC: 79% approved of 38Rocket Mortgage, LLC: 82% approved of 217ACNB Bank: 84% approved of 31Sandy Spring Bank: 86% approved of 28Manufacturers and Traders Trust Company: 88% approved of 129United Wholesale Mortgage, LLC: 88% approved of 234Educational Systems: 89% approved of 47Pennymac Loan Services, LLC: 90% approved of 86Provident Funding Associates, L.P.: 91% approved of 23Village Capital & Investment LLC: 94% approved of 47Nfm, Inc.: 95% approved of 21Freedom Mortgage Corporation: 96% approved of 141Federated Mortgage Corp.: 100% approved of 29

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

Refinance lenders in Frederick County

LenderApprovalApprovedTaken upTypical loanLoans made
1PNC Bank, National Association78%367 / 47397%$105K355
2Truist Bank67%194 / 29193%$125K181
3United Wholesale Mortgage, LLCBroker only88%206 / 23495%$505K196
4Rocket Mortgage, LLC82%178 / 21795%$435K169
5Freedom Mortgage Corporation96%135 / 14180%$485K108

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 237 more lenders.

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You are seeing the 5 largest mortgage 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

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