Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cecil County, Maryland
Every institution that decided a 1–4 unit mortgage application in Cecil County between 2023 and 2025: 7,666 applications, 5,841 loans actually funded, across 8 kinds of borrowing.
Cecil County at a glance
7,666Applications decided
2023–2025
5,841Loans funded
76% of decisions
21Census tracts
8 ZIP codes
104,366People
ACS 2023
What the data shows
The typical purchase mortgage here is $315K.
Lending by loan type in Cecil County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.2% | 3,459 | $315K | 96% | 235 |
| Home improvement loans | 65.8% | 1,069 | $65K | 88% | 70 |
| Cash-out refinance | 73.9% | 1,732 | $175K | 96% | 126 |
| Refinance | 79.7% | 921 | $285K | 89% | 123 |
| Investment property purchase | 88.2% | 289 | $215K | 95% | 111 |
| Investment cash-out refinance | 76.5% | 81 | $185K | 97% | 38 |
| Investment refinance | 72.0% | 75 | $195K | 87% | 34 |
| Investment home improvement | 52.5% | 40 | $105K | 90% | 18 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.