Mortgage lending in Cecil County
2,441 mortgages were originated in Cecil County, Maryland, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,441
- Median rate
- 6.625%
- Median lender fees
- $6,038
- Median loan amount
- $235,000
- Median spread over APOR
- 0.271
- Paid discount points
- 38%
- Received lender credits
- 29.7%
- Purchases / refinances
- 44.2% / 36%
- Conventional / FHA / VA
- 73.2% / 15.7% / 9.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $630,200
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cecil County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 341 | — | 6.140% |
| GUILD MORTGAGE COMPANY | 223 | $6,853 | 6.500% |
| Rocket Mortgage, LLC | 185 | $4,817 | 6.750% |
| PNC Bank, National Association | 133 | — | 9.090% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 81 | $10,555 | 5.990% |
| PENNYMAC LOAN SERVICES, LLC | 62 | $6,038 | 6.499% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 50 | $7,267 | 6.562% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Cecil County — not a rule of thumb.
From 1,777 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers