refinance lenders · HMDA 2023–2025

Refinance lenders in Washington County, Maryland

Fat Boy Data analyzed mortgage refinance activity in Washington County, Maryland, home to Hagerstown, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,450 applications were decided by 154 lenders between 2023 and 2025.

Washington County at a glance

154Active lenders14 with 20+ decisions
77.7%Market approval rate1,127 of 1,450 decided
$195KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,023 loans funded

How Washington County compares

Approval rate compared
Washington County77.7%Maryland76.1%All 616 counties76.5%
Typical loan compared
Washington County$195KMaryland$405KAll 616 counties$295K

What the data shows

Manufacturers and Traders Trust Company made the most mortgage refinances in Washington County, MD, 113 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 97% of 74.

The typical mortgage refinance here is $195K, 52% smaller than the Maryland typical of $405K.

Approval rate of all 14 lenders with 20+ decisions here
0%25%50%75%100%One lender: 69% approved of 26Truist Bank: 71% approved of 160Patriot Credit Union: 73% approved of 95One lender: 73% approved of 85Rocket Mortgage, LLC: 77% approved of 99United Wholesale Mortgage, LLC: 81% approved of 114One lender: 82% approved of 28One lender: 83% approved of 52One lender: 84% approved of 49One lender: 85% approved of 20Manufacturers and Traders Trust Company: 86% approved of 144One lender: 87% approved of 23One lender: 94% approved of 31One lender: 97% approved of 74

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 Washington County

LenderApprovalApprovedTaken upTypical loanLoans made
1Truist Bank71%113 / 16087%$105K98
2Manufacturers and Traders Trust Company86%124 / 14491%$105K113
3United Wholesale Mortgage, LLCBroker only81%92 / 11493%$315K86
4Rocket Mortgage, LLC77%76 / 9987%$285K66
5Patriot Credit Union73%69 / 9597%$75K67

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 149 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Washington 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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