Cash-out refinancing lenders in Baltimore County
2,663 cash-out refinancing mortgages were made in Baltimore County, Maryland, in 2025, by 265 lenders. The median rate their borrowers got was 6.875% on a median loan of $175,000. Of 4,195 decisions, 1,343 were denials — 32.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 538 | 8.163% | $125,000 | 22.3% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 224 | 2.490% | $95,000 | 17.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 178 | 6.500% | $245,000 | 32.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 114 | 7.500% | $105,000 | 29.9% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 92 | 6.140% | $75,000 | 19.8% |
| NEWREZ LLC | 91 | 8.125% | $95,000 | 54.8% |
| AmeriSave Mortgage Corporation | 77 | 8.500% | $65,000 | 60.4% |
| FREEDOM MORTGAGE CORPORATION | 75 | 6.375% | $265,000 | 32.1% |
| POINT BREEZE Credit Union | 66 | 6.313% | $75,000 | 8.3% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 6.125% | $245,000 | 25.6% |
| Loandepot.Com, LLC | 54 | 6.125% | $205,000 | 36.1% |
| Navy Federal Credit Union | 45 | 8.250% | $105,000 | 41.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 40 | 7.000% | $165,000 | 60.8% |
| NATIONSTAR MORTGAGE LLC | 40 | 6.558% | $240,000 | 19.6% |
| Wells Fargo Bank, National Association | 36 | 6.625% | $205,000 | 28.0% |
| TOWER Federal Credit Union | 36 | 7.000% | $155,000 | 23.4% |
| Manufacturers and Traders Trust Company | 35 | 6.500% | $205,000 | 36.4% |
| GoodLeap, LLC | 33 | 6.125% | $125,000 | 33.9% |
| Equity Prime Mortgage LLC | 29 | 6.500% | $305,000 | 19.4% |
| JPMorgan Chase Bank, National Association | 28 | 6.495% | $230,000 | 3.5% |
| SPRING EQ, LLC | 23 | 9.425% | $105,000 | 51.0% |
| OCMBC, INC. | 21 | 7.499% | $245,000 | 22.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.438% | $185,000 | 48.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 20 | 6.875% | $250,000 | 9.1% |
| NFM, INC. | 18 | 6.933% | $235,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 6.700% | $245,000 | 0.0% |
| The Federal Savings Bank | 16 | 6.375% | $320,000 | 21.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 16 | 6.360% | $245,000 | 18.5% |
| Broker Solutions, Inc. | 15 | 6.750% | $265,000 | 46.4% |
| 254900M2C4Q6DATP2889 | 15 | 6.750% | $275,000 | 51.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 14 | 6.750% | $285,000 | 12.5% |
| DOMINION FINANCIAL SERVICES, LLC | 14 | 6.875% | $240,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 13 | 7.240% | $245,000 | 69.4% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 13 | Not published | $55,000 | 51.0% |
| Truist Bank | 13 | 6.625% | $235,000 | 30.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 6.690% | $225,000 | 7.1% |
| QUORUM FEDERAL CREDIT UNION | 13 | 8.875% | $75,000 | 28.6% |
| Commerce Home Mortgage, Inc. | 13 | 6.990% | $215,000 | 23.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 13 | 6.750% | $225,000 | 13.3% |
| BPL MORTGAGE TRUST, LLC | 13 | 7.000% | $225,000 | 0.0% |
| CMG MORTGAGE, INC. | 12 | 6.990% | $405,000 | 0.0% |
| Coastal Community Bank | 10 | 9.990% | $85,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 10 | 5.750% | $185,000 | 0.0% |
| Towne Bank | 10 | 6.313% | $325,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 50.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 9 | Under 10 loans | Under 10 loans | 35.7% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MERIDIAN BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 8 | Under 10 loans | Under 10 loans | 61.9% |
| NORTHROP GRUMMAN Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RELIANCE FIRST CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 53.3% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 83.8% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 60.6% |
| FIRST HOME MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Financial Freedom Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 80.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 61.5% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 62.5% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BayVanguard Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Harford Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Freedom of Maryland Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jarrettsville Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 65 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.