Cash-out refinancing lenders in Anne Arundel County
2,157 cash-out refinancing mortgages were made in Anne Arundel County, Maryland, in 2025, by 244 lenders. The median rate their borrowers got was 7.000% on a median loan of $225,000. Of 3,122 decisions, 838 were denials — 26.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 508 | 8.500% | $115,000 | 15.0% |
| TOWER Federal Credit Union | 134 | 7.000% | $175,000 | 22.1% |
| Navy Federal Credit Union | 129 | 8.250% | $155,000 | 20.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 121 | 6.375% | $335,000 | 18.7% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 119 | 7.500% | $125,000 | 20.0% |
| NEWREZ LLC | 93 | 8.000% | $135,000 | 42.4% |
| AmeriSave Mortgage Corporation | 66 | 8.813% | $75,000 | 55.6% |
| PENNYMAC LOAN SERVICES, LLC | 61 | 6.625% | $275,000 | 23.2% |
| FREEDOM MORTGAGE CORPORATION | 46 | 6.558% | $350,000 | 30.4% |
| Loandepot.Com, LLC | 39 | 6.375% | $305,000 | 20.4% |
| NATIONSTAR MORTGAGE LLC | 38 | 6.625% | $255,000 | 19.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 29 | 8.875% | $125,000 | 60.4% |
| Atlantic Union Bank | 28 | 7.250% | $200,000 | 17.1% |
| Wells Fargo Bank, National Association | 22 | 6.313% | $305,000 | 29.0% |
| GoodLeap, LLC | 20 | 7.075% | $120,000 | 26.5% |
| Manufacturers and Traders Trust Company | 19 | 6.500% | $305,000 | 20.8% |
| Equity Prime Mortgage LLC | 17 | 6.625% | $375,000 | 26.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.250% | $345,000 | 26.9% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 17 | 5.500% | $115,000 | 5.6% |
| The Federal Savings Bank | 16 | 6.188% | $460,000 | 5.6% |
| NORTHROP GRUMMAN Federal Credit Union | 15 | 8.000% | $95,000 | 15.0% |
| CMG MORTGAGE, INC. | 15 | 6.750% | $405,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 14 | 6.188% | $385,000 | 22.2% |
| JPMorgan Chase Bank, National Association | 14 | 6.500% | $225,000 | 22.2% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 14 | 6.140% | $100,000 | 12.5% |
| LOWER, LLC | 13 | 6.750% | $285,000 | 18.8% |
| FIRST HOME MORTGAGE CORPORATION | 13 | 6.625% | $395,000 | 0.0% |
| NFM, INC. | 13 | 6.625% | $405,000 | 0.0% |
| Truist Bank | 12 | 6.700% | $290,000 | 20.0% |
| RELIANCE FIRST CAPITAL, LLC | 12 | 6.750% | $225,000 | 0.0% |
| Broker Solutions, Inc. | 11 | 6.750% | $435,000 | 47.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 8.040% | $125,000 | 26.7% |
| SPRING EQ, LLC | 11 | 10.425% | $95,000 | 56.0% |
| GUARANTEED RATE, INC. | 11 | 5.990% | $445,000 | 26.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | 6.250% | $385,000 | 0.0% |
| Towne Bank | 11 | 6.375% | $355,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 5.750% | $440,000 | 76.1% |
| Fairway Independent Mortgage Corporation | 10 | 6.250% | $435,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 69.7% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 47.1% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 36.8% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 47.1% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 70.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Coastal Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 30.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POINT BREEZE Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NASA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| APL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 73.9% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EDUCATIONAL SYSTEMS | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPECTRA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Financial Freedom Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Fulton Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ITHINK FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANLEADERS OF AMERICA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Lendage, LLC | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 44 lenders each made 0 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.