Mortgage lenders in Cecil County
2,441 mortgages were made in Cecil County, Maryland, in 2025, by 273 lenders. The median rate their borrowers got was 6.500% on a median loan of $235,000. Of 3,302 decisions, 668 were denials — 20.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 341 | 5.890% | $85,000 | 21.4% |
| GUILD MORTGAGE COMPANY | 223 | 6.500% | $305,000 | 2.5% |
| Rocket Mortgage, LLC | 185 | 6.750% | $245,000 | 15.8% |
| PNC Bank, National Association | 133 | 6.500% | $105,000 | 27.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | 5.990% | $355,000 | 16.5% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 6.500% | $225,000 | 15.8% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 50 | 6.562% | $325,000 | 3.9% |
| Navy Federal Credit Union | 42 | 8.125% | $105,000 | 20.8% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.125% | $355,000 | 9.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 37 | 6.750% | $295,000 | 9.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 36 | 6.625% | $295,000 | 5.3% |
| Broker Solutions, Inc. | 34 | 6.813% | $285,000 | 7.7% |
| ENVOY MORTGAGE, LTD | 33 | 6.500% | $395,000 | 8.3% |
| DHI MORTGAGE COMPANY, LTD. | 31 | 5.750% | $525,000 | 8.8% |
| KEYSTONE FUNDING, INC. | 31 | 6.490% | $315,000 | 0.0% |
| Manufacturers and Traders Trust Company | 29 | 5.990% | $125,000 | 47.4% |
| MLD MORTGAGE INC. | 29 | 6.490% | $335,000 | 0.0% |
| Wilmington Savings Fund Society, FSB | 27 | 7.250% | $195,000 | 17.1% |
| First National Bank of Pennsylvania | 26 | 6.640% | $130,000 | 38.6% |
| NATIONSTAR MORTGAGE LLC | 26 | 8.438% | $155,000 | 16.1% |
| CMG MORTGAGE, INC. | 25 | 6.375% | $325,000 | 3.7% |
| Mortgage Research Center, LLC | 24 | 6.250% | $410,000 | 32.4% |
| Citizens Bank, National Association | 24 | 8.775% | $125,000 | 16.1% |
| NFM, INC. | 24 | 6.688% | $320,000 | 0.0% |
| NEWREZ LLC | 23 | 6.250% | $345,000 | 39.0% |
| SPRING EQ, LLC | 23 | 9.975% | $65,000 | 45.2% |
| Fulton Bank, National Association | 22 | 6.490% | $210,000 | 33.3% |
| Truist Bank | 22 | 7.025% | $125,000 | 36.1% |
| FIRST HOME MORTGAGE CORPORATION | 22 | 6.625% | $280,000 | 0.0% |
| MERIDIAN BANK | 21 | 6.500% | $225,000 | 8.7% |
| EMM LOANS LLC | 20 | 6.438% | $280,000 | 0.0% |
| Harford Bank | 17 | Not published | $155,000 | 33.3% |
| Wells Fargo Bank, National Association | 16 | 6.625% | $190,000 | 20.0% |
| Bank of America, National Association | 15 | 6.490% | $205,000 | 54.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 15 | 6.490% | $335,000 | 5.3% |
| Prosperity Home Mortgage, LLC | 15 | 6.875% | $325,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 15 | 6.875% | $275,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 13 | 6.490% | $265,000 | 22.2% |
| HOMEAMERICAN MORTGAGE CORPORATION | 13 | 4.500% | $475,000 | 12.5% |
| NATION ONE MORTGAGE CORPORATION | 13 | 6.375% | $335,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 13 | 6.625% | $315,000 | 0.0% |
| Loandepot.Com, LLC | 12 | 6.500% | $315,000 | 26.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.688% | $275,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 11 | 4.990% | $125,000 | 42.1% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 6.750% | $285,000 | 0.0% |
| Atlantic Coast Mortgage, LLC | 11 | 6.625% | $305,000 | 7.7% |
| 21st Mortgage Corporation | 10 | 10.935% | $85,000 | 70.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.620% | $380,000 | 5.9% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 10 | 6.750% | $315,000 | 0.0% |
| GUARANTEED RATE, INC. | 10 | 6.250% | $295,000 | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 35.3% |
| TOWER Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Lendage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 23.1% |
| Sun East Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 27.3% |
| THE LOAN STORE, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Shore United Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEXSTA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 80.7% |
| NVR Mortgage Finance, Inc. | 6 | Under 10 loans | Under 10 loans | 68.4% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Bird-in-Hand | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 58.3% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 45.5% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom of Maryland Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 79.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEL-ONE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 44.4% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Cazle Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATIONAL SYSTEMS | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 86.7% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Jarrettsville Federal Savings and Loan Association | 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% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BHCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 93.8% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Horizon Farm Credit, ACA | 1 | Under 10 loans | Under 10 loans | 60.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Financial Freedom Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Orrstown Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT BREEZE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Hope Bank, A National Banking Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCE GEORGE'S COMMUNITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVERFRONT FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Artisans' Bank | 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% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 73 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cecil County
14 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 4 | $592.0 million |
| The Ephrata National Bank | 4 | $190.0 million |
| Harford Bank | 2 | $57.6 million |
| Fulton Bank, National Association | 1 | $198.2 million |
| First National Bank of Pennsylvania | 1 | $89.9 million |
| Manufacturers and Traders Trust Company | 1 | $86.9 million |
| Truist Bank | 1 | $59.7 million |
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cecil Bank, 108 North East Plz, North East
- Cecil Bank, 127 North St, Elkton
- Cecil Bank, 4434 Telegraph Rd, Elkton
- Cecil Bank, 56 Rising Sun Town Ctr, Rising Sun
Get told when this changes
When the next year’s lending figures are out for Cecil County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.