Mortgage lenders in Harford County
6,474 mortgages were made in Harford County, Maryland, in 2025, by 350 lenders. The median rate their borrowers got was 6.490% on a median loan of $265,000. Of 8,482 decisions, 1,618 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 798 | 5.500% | $95,000 | 15.3% |
| Rocket Mortgage, LLC | 424 | 6.750% | $255,000 | 14.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 256 | 6.125% | $345,000 | 14.8% |
| First National Bank of Pennsylvania | 241 | 6.490% | $205,000 | 24.1% |
| Manufacturers and Traders Trust Company | 214 | 5.990% | $105,000 | 25.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 209 | 6.500% | $335,000 | 4.1% |
| NVR Mortgage Finance, Inc. | 185 | 6.250% | $435,000 | 26.6% |
| FIRST HOME MORTGAGE CORPORATION | 178 | 6.625% | $345,000 | 2.2% |
| PNC Bank, National Association | 153 | 7.690% | $85,000 | 27.0% |
| PENNYMAC LOAN SERVICES, LLC | 139 | 6.499% | $205,000 | 8.9% |
| Navy Federal Credit Union | 136 | 8.250% | $145,000 | 26.6% |
| NFM, INC. | 135 | 6.625% | $335,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 128 | 5.500% | $395,000 | 14.5% |
| DIRECT MORTGAGE LOANS, LLC | 114 | 6.625% | $355,000 | 0.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 110 | 6.500% | $315,000 | 8.3% |
| FREEDOM MORTGAGE CORPORATION | 109 | 6.250% | $385,000 | 14.6% |
| MERIDIAN BANK | 103 | 6.500% | $305,000 | 2.8% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 93 | 6.000% | $125,000 | 35.6% |
| Truist Bank | 84 | 6.695% | $115,000 | 38.2% |
| Fairway Independent Mortgage Corporation | 81 | 6.625% | $335,000 | 2.4% |
| Bank of America, National Association | 79 | 6.490% | $105,000 | 50.6% |
| NEWREZ LLC | 74 | 6.375% | $350,000 | 24.3% |
| GUILD MORTGAGE COMPANY | 72 | 6.500% | $345,000 | 0.0% |
| Towne Bank | 72 | 6.375% | $375,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 65 | 7.750% | $145,000 | 11.7% |
| POINT BREEZE Credit Union | 55 | 6.000% | $125,000 | 1.7% |
| CMG MORTGAGE, INC. | 54 | 6.563% | $355,000 | 1.7% |
| SPRING EQ, LLC | 51 | 8.875% | $85,000 | 61.0% |
| Shore United Bank, N.A. | 49 | 6.500% | $365,000 | 7.6% |
| FIGURE LENDING LLC | 45 | 9.150% | $75,000 | 22.6% |
| GUARANTEED RATE AFFINITY, LLC | 45 | 6.675% | $305,000 | 0.0% |
| Mortgage Research Center, LLC | 43 | 6.250% | $415,000 | 36.2% |
| FIRST COMMUNITY MORTGAGE, INC. | 43 | 6.500% | $325,000 | 4.1% |
| MOVEMENT MORTGAGE, LLC | 42 | 6.594% | $355,000 | 4.3% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 39 | 5.750% | $105,000 | 7.0% |
| Loandepot.Com, LLC | 38 | 6.870% | $145,000 | 30.0% |
| Prosperity Home Mortgage, LLC | 37 | 6.625% | $325,000 | 2.6% |
| Wells Fargo Bank, National Association | 34 | 6.500% | $245,000 | 15.0% |
| Fulton Bank, National Association | 33 | 6.490% | $315,000 | 17.5% |
| TOWER Federal Credit Union | 33 | 7.000% | $105,000 | 36.5% |
| Atlantic Union Bank | 31 | 6.490% | $345,000 | 11.4% |
| FIDELITY DIRECT MORTGAGE, LLC | 31 | 6.250% | $455,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 28 | 6.563% | $340,000 | 3.5% |
| DAS Acquisition Company, LLC | 28 | 6.563% | $430,000 | 0.0% |
| Broker Solutions, Inc. | 27 | 6.750% | $255,000 | 27.0% |
| Harford Bank | 26 | Not published | $140,000 | 27.0% |
| Coastal Community Bank | 25 | 10.240% | $55,000 | 1.2% |
| Kiavi Funding, Inc. | 25 | 9.950% | $245,000 | 7.1% |
| PENTAGON FEDERAL CREDIT UNION | 24 | 7.250% | $230,000 | 36.8% |
| AmeriSave Mortgage Corporation | 23 | 9.000% | $135,000 | 62.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 23 | 5.750% | $385,000 | 16.7% |
| JPMorgan Chase Bank, National Association | 23 | 6.625% | $285,000 | 4.2% |
| Orrstown Bank | 21 | 5.875% | $285,000 | 22.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 6.232% | $355,000 | 8.0% |
| EMM LOANS LLC | 20 | 6.500% | $390,000 | 0.0% |
| LOWER, LLC | 19 | 6.125% | $375,000 | 9.5% |
| Lendage, LLC | 19 | 10.750% | $55,000 | 13.6% |
| Cazle Mortgage, Inc. | 19 | 6.250% | $335,000 | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 19 | 6.490% | $375,000 | 0.0% |
| 21st Mortgage Corporation | 18 | 10.885% | $65,000 | 74.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 18 | 7.625% | $150,000 | 21.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 18 | 7.058% | $305,000 | 51.2% |
| Paramount Residential Mortgage Group, Inc. | 18 | 6.250% | $355,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 18 | 6.500% | $325,000 | 10.0% |
| Freedom of Maryland Federal Credit Union | 18 | 6.500% | $205,000 | 5.3% |
| KEYSTONE FUNDING, INC. | 18 | 6.370% | $405,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 6.490% | $265,000 | 33.3% |
| Citizens Bank, National Association | 17 | 8.400% | $105,000 | 37.0% |
| THE LOAN STORE, INC. | 17 | 7.500% | $185,000 | 9.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.625% | $345,000 | 0.0% |
| OCMBC, INC. | 16 | 7.375% | $275,000 | 17.9% |
| OriginPoint, LLC | 16 | 6.375% | $350,000 | 5.9% |
| ZILLOW HOME LOANS, LLC | 15 | 6.750% | $295,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 15 | 6.375% | $315,000 | 6.3% |
| UNION HOME MORTGAGE CORP. | 15 | 6.750% | $445,000 | 6.3% |
| Rosedale Federal Savings and Loan Association | 15 | Not published | $405,000 | 11.8% |
| Jarrettsville Federal Savings and Loan Association | 15 | Not published | $315,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 9.290% | $145,000 | 11.8% |
| The Federal Savings Bank | 14 | 6.625% | $330,000 | 17.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 9.750% | $225,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 14 | 6.438% | $355,000 | 12.5% |
| BAYSHORE MORTGAGE FUNDING, LLC | 14 | 6.625% | $425,000 | 0.0% |
| GoodLeap, LLC | 13 | 7.000% | $95,000 | 39.1% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 12 | Not published | $65,000 | 46.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.500% | $455,000 | 14.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 12 | 6.813% | $315,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 12 | 7.313% | $310,000 | 7.7% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | 7.375% | $190,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 12 | 6.563% | $370,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.625% | $385,000 | 8.3% |
| CREDENCE FUNDING CORPORATION | 11 | 6.625% | $435,000 | 8.3% |
| Atlantic Coast Mortgage, LLC | 11 | 6.625% | $435,000 | 0.0% |
| TD Bank, National Association | 10 | 7.440% | $205,000 | 21.4% |
| USAA Federal Savings Bank | 10 | 6.063% | $475,000 | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 10 | 7.375% | $275,000 | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 10 | 5.375% | $465,000 | 9.1% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.625% | $295,000 | 23.1% |
| MORTGAGE EQUITY PARTNERS LLC | 10 | 6.563% | $315,000 | 9.1% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 52.6% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 38.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 13.3% |
| First Heritage Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BALTIMORE COUNTY EMPLOYEES | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Vellum Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 71.7% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 55.6% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HAR-CO Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 80.6% |
| Ameris Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Logan Finance Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Alcova Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GTE Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 11.1% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Homesale Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 78.6% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 62.5% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Apple Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers and Merchants Trust Company of Chambersburg | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEAMERICAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | 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 150 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Harford County
43 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Manufacturers and Traders Trust Company | 7 | $1.0 billion |
| Harford Bank | 7 | $634.9 million |
| PNC Bank, National Association | 5 | $663.2 million |
| Truist Bank | 5 | $585.3 million |
| Bank of America, National Association | 4 | $787.2 million |
| First National Bank of Pennsylvania | 4 | $387.9 million |
| Wells Fargo Bank, National Association | 3 | $421.4 million |
| Rosedale Bank | 3 | $187.4 million |
| Jarrettsville Federal Savings and Loan Association | 1 | $147.1 million |
| TD Bank, National Association | 1 | $88.5 million |
| Orrstown Bank | 1 | $62.4 million |
| BayVanguard Bank | 1 | $32.5 million |
| JPMorgan Chase Bank, National Association | 1 | $23.2 million |
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When the next year’s lending figures are out for Harford County, or a lender arrives or leaves.
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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.