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refinance lenders · HMDA 2023–2025

Refinance lenders in Howard County, Maryland

Fat Boy Data analyzed mortgage refinance activity in Howard 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. 2,852 applications were decided by 240 lenders between 2023 and 2025.

Howard County at a glance

240Active lenders26 with 20+ decisions
79.6%Market approval rate2,270 of 2,852 decided
$445KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,150 loans funded

How Howard County compares

Approval rate compared
Howard County79.6%Maryland76.1%All 616 counties76.5%
Typical loan compared
Howard County$445KMaryland$405KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Howard County, MD, 143 of them.

Cmg Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 21.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%One lender: 42% approved of 57One lender: 58% approved of 117One lender: 59% approved of 32One lender: 60% approved of 30One lender: 63% approved of 27One lender: 64% approved of 44Bank of America, National Association: 66% approved of 182One lender: 68% approved of 34One lender: 70% approved of 57One lender: 70% approved of 111Truist Bank: 72% approved of 168One lender: 76% approved of 25One lender: 76% approved of 21Manufacturers and Traders Trust Company: 78% approved of 180One lender: 80% approved of 30One lender: 81% approved of 27One lender: 82% approved of 49One lender: 82% approved of 82Rocket Mortgage, LLC: 82% approved of 180United Wholesale Mortgage, LLC: 86% approved of 191One lender: 91% approved of 95One lender: 91% approved of 80One lender: 92% approved of 37One lender: 96% approved of 50One lender: 96% approved of 27One lender: 100% approved of 21

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 Howard County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only86%165 / 19195%$545K156
2Bank of America, National Association66%121 / 18298%$205K118
3Rocket Mortgage, LLC82%148 / 18097%$475K143
4Manufacturers and Traders Trust Company78%141 / 18097%$205K137
5Truist Bank72%121 / 16895%$255K115

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 235 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Howard 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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