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Cecil County, Maryland · 2025

Mortgage lenders in Cecil County, MD: denial rates and top lenders (2025)

266 lenders acted on 4,105 mortgage applications for properties in Cecil County in 2025. 16.3% were denied (Maryland: 18.8%). Median rate on closed loans 6.50%; median loan $225,000; median property value $385,000.

4.1kApplications
16.3%Denial ratestate 18.8%
6.50%Median ratestate 6.63%
$225,000Median loan
$385,000Median property value

Largest lenders in Cecil County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Aberdeen Proving Ground Federal Credit Union C 555341 18.7%5.89%
2 Guild Mortgage A 283223 2.1%6.50%
3 Rocket Mortgage C 257185 14.4%6.75%
4 PNC Bank D 239133 22.2%6.50%
5 United Shore Financial Services B 12481 13.7%5.99%
6 Pennymac Loan Services C 10962 11.0%6.50%
7 Freedom Mortgage B 9337 5.4%6.13%
8 Broker Solutions D 6834 4.4%6.88%
9 Navy Federal Credit Union D 6642 16.7%8.13%
10 Newrez D 6523 24.6%6.25%
11 Manufacturers and Traders Trust C 6329 42.9%5.99%
12 Mortgage Research Center C 6024 20.0%6.25%
13 Pike Creek Mortgage Services B 5550 3.6%6.56%
14 Spring Eq D 5523 34.6%9.98%
15 Crosscountry Mortgage B 5437 7.4%6.75%
16 First National Bank of Pennsylvania B 4926 34.7%6.64%
17 21st Mortgage F 4910 49.0%10.94%
18 Primary Residential Mortgage C 4836 4.2%6.69%
19 Bank of America F 4715 40.4%6.49%
20 Envoy Mortgage D 4633 6.5%6.50%
21 Fulton Bank C 4322 25.6%6.49%
22 Wilmington Savings Fund Society B 4327 14.0%7.25%
23 Dhi Mortgage Company B 4031 7.5%5.75%
24 Truist Bank C 3922 33.3%7.03%
25 Nationstar Mortgage C 3826 13.2%8.44%

Best approval odds in Cecil County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Guild Mortgage2442.5%
2Pike Creek Mortgage Services523.9%
3Freedom Mortgage519.8%
4Pennymac Loan Services7615.8%
5Rocket Mortgage23415.8%
6United Shore Financial Services10316.5%
7Navy Federal Credit Union5320.8%
8Aberdeen Proving Ground Federal Credit Union48621.4%
9PNC Bank19627.0%
10Manufacturers and Traders Trust5747.4%

What Cecil County borrowers applied for

By loan purpose

Home purchase 1,502 37% · 9.7% denied
Refinance 653 16% · 14.7% denied
Cash-out refinance 954 23% · 17.9% denied
Home improvement 440 11% · 23.9% denied
Other / HELOC 556 14% · 27.2% denied

By loan type

Conventional 2,973 72% · 17.4% denied
FHA 655 16% · 14.7% denied
VA 438 11% · 12.3% denied
USDA / RHS 39 1% · 0.0% denied

Why applications were denied

Credit history 212 32%
Debt-to-income ratio 175 27%
Collateral 87 13%
Incomplete application 84 13%
Other 66 10%
Unverifiable information 16 2%
Insufficient cash 12 2%
Employment history 5 1%

Cecil County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,3441,93120.0%6.75%$195,000
20243,6292,15318.6%6.63%$205,000
20254,1052,44216.3%6.50%$225,000

Frequently asked questions

16.3% of applications in Cecil County were denied in 2025, against 18.8% statewide in Maryland.

Aberdeen Proving Ground Federal Credit Union, with 555 applications in 2025 and a denial rate of 18.7%.

The median mortgage application in Cecil County in 2025 was for $225,000; the median property value on originated loans was $385,000.