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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Cecil County, Maryland

Fat Boy Data analyzed cash-out refinance activity in Cecil County, Maryland to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,732 applications were decided by 126 lenders between 2023 and 2025.

Cecil County at a glance

126Active lenders15 with 20+ decisions
73.9%Market approval rate1,280 of 1,732 decided
$175KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,233 loans funded

How Cecil County compares

Approval rate compared
Cecil County73.9%Maryland65.4%All 616 counties68.2%
Typical loan compared
Cecil County$175KMaryland$155KAll 616 counties$155K

What the data shows

Aberdeen Proving Ground Federal Credit Union made the most cash-out refinances in Cecil County, MD, 488 of them.

That is 40% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Guild Mortgage Company LLC approved the highest share of applications among lenders with at least 20 decisions here, 88% of 25.

Lenders approved 73.9% of cash-out refinance applications in Cecil County, MD, 8.5 percentage points above the Maryland rate of 65.4%.

The typical cash-out refinance here is $175K, 13% larger than the Maryland typical of $155K.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Amerisave Mortgage Corporation: 23% approved of 73Lakeview Loan Servicing, LLC: 24% approved of 29New Day Financial, LLC: 25% approved of 24Newrez LLC: 46% approved of 48Carrington Mortgage Services, LLC: 46% approved of 39Wells Fargo Bank, National Association: 52% approved of 25PNC Bank, National Association: 61% approved of 28Pennymac Loan Services, LLC: 63% approved of 62United Wholesale Mortgage, LLC: 71% approved of 63Freedom Mortgage Corporation: 72% approved of 39Loandepot.Com, LLC: 72% approved of 29Nationstar Mortgage LLC: 77% approved of 26Rocket Mortgage, LLC: 84% approved of 305Aberdeen Proving Ground Federal Credit Union: 87% approved of 576Guild Mortgage Company LLC: 88% approved of 25

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Cecil County

LenderApprovalApprovedTaken upTypical loanLoans made
1Aberdeen Proving Ground Federal Credit Union87%501 / 57697%$75K488
2Rocket Mortgage, LLC84%257 / 30596%$175K248
3Amerisave Mortgage Corporation23%17 / 73100%$75K17
4United Wholesale Mortgage, LLCBroker only71%45 / 6396%$325K43
5Pennymac Loan Services, LLC63%39 / 6295%$225K37

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 121 more lenders.

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You are seeing the 5 largest cash-out refinance lenders in Cecil County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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