Mortgage lending in Cecil County, Maryland
Lenders in Cecil County, Maryland reported 4,105 mortgage applications for 2025, according to the CFPB.
4,105 mortgage applications and 2,442 loans originated in 2025; the denial rate was 20.2% of 3,303 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.
- 4,105
- Applications
- 2,442
- Loans originated
- 20.2%
- Denial rate
- 668 denied of 3,303 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,105 | 2,442 |
| 2024 | 3,629 | 2,153 |
| 2023 | 3,344 | 1,931 |
| 2022 | 5,149 | 3,112 |
| 2021 | 8,222 | 5,387 |
| 2020 | 7,043 | 4,767 |
| 2019 | 4,822 | 3,034 |
| 2018 | 3,995 | 2,410 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Aberdeen Proving Ground Fcu | 341 | 555 |
| Guild Mortgage Company | 223 | 283 |
| Rocket Mortgage | 185 | 257 |
| PNC Bank N.A. | 133 | 239 |
| United Wholesale Mortgage | 81 | 124 |
| Pennymac Loan Services LLC | 62 | 109 |
| Pike Creek Mortgage Services, Inc. | 50 | 55 |
| Navy Federal Credit Union | 42 | 66 |
| Freedom Mortgage Corporation | 37 | 93 |
| Crosscountry Mortgage, LLC | 37 | 54 |
| Primary Residential Mortgage, INC. | 36 | 48 |
| New American Funding, LLC. | 34 | 68 |
| Envoy Mortgage, LTD | 33 | 46 |
| DHI Mortgage Company, LTD. | 31 | 40 |
| Keystone Funding, Inc | 31 | 37 |
| MLD Mortgage, Inc.dba the Money Store | 29 | 32 |
| M&T Bank | 29 | 63 |
| WSFS bank | 27 | 43 |
| Nationstar Mortgage | 26 | 38 |
| First National Bank of PA | 26 | 49 |
| CMG Mortgage Inc | 25 | 33 |
| Mortgage Research Center | 24 | 60 |
| NFM, Inc | 24 | 31 |
| Citizens Bank, NA | 24 | 35 |
| Newrez LLC | 23 | 65 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 14 | no rate: base under 50 |
| Asian | 86 | 27.7% of 65 decided |
| Black or African American | 333 | 32.0% of 250 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,957 | 18.4% of 2,433 decided |
| 2 or more minority races | under 10 | |
| Joint | 47 | no rate: base under 50 |
| Race Not Available | 661 | 21.8% of 500 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 160 | 29.9% of 127 decided |
| Not Hispanic or Latino | 3,211 | 19.5% of 2,618 decided |
| Joint | 66 | 19.3% of 57 decided |
| Ethnicity Not Available | 668 | 21.8% of 501 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,549 | 19.6% of 1,245 decided |
| Female | 865 | 25.7% of 694 decided |
| Joint | 1,342 | 17.0% of 1,116 decided |
| Sex Not Available | 349 | 22.6% of 248 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 686 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved