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Harford County, Maryland · 2025

Mortgage lenders in Harford County, MD: denial rates and top lenders (2025)

341 lenders acted on 10,373 mortgage applications for properties in Harford County in 2025. 15.6% were denied (Maryland: 18.8%). Median rate on closed loans 6.49%; median loan $245,000; median property value $435,000.

10kApplications
15.6%Denial ratestate 18.8%
6.49%Median ratestate 6.63%
$245,000Median loan
$435,000Median property value

Largest lenders in Harford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Aberdeen Proving Ground Federal Credit Union C 1,180798 13.7%5.63%
2 Rocket Mortgage C 549424 13.7%6.75%
3 First National Bank of Pennsylvania B 349241 22.1%6.49%
4 United Shore Financial Services B 334256 13.5%6.13%
5 Manufacturers and Traders Trust C 329214 24.6%5.99%
6 Navy Federal Credit Union D 289136 17.7%8.25%
7 NVR Mortgage Finance B 270185 24.8%6.25%
8 Primary Residential Mortgage C 262209 3.4%6.63%
9 PNC Bank D 258153 22.5%7.69%
10 Freedom Mortgage B 246109 8.5%6.25%
11 Pennymac Loan Services C 226139 6.2%6.50%
12 Bank of America F 21979 37.9%6.49%
13 First Home Mortgage B 218178 1.8%6.63%
14 Dhi Mortgage Company B 188128 11.7%5.50%
15 Newrez D 18174 13.8%6.38%
16 State Employees Credit Union of Maryland D 17193 30.4%6.00%
17 Truist Bank C 16684 34.9%6.70%
18 Crosscountry Mortgage B 163110 6.1%6.50%
19 Spring Eq D 16251 51.2%8.88%
20 NFM A 160135 0.0%6.63%
21 Direct Mortgage Loans B 138114 0.7%6.63%
22 Meridian Bank B 132103 2.3%6.50%
23 Mortgage Research Center C 11843 21.2%6.25%
24 Coastal Community Bank C 11525 0.9%10.24%
25 Fairway Independent Mortgage B 9781 2.1%6.63%

Best approval odds in Harford County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Towne Bank720.0%
2Guild Mortgage730.0%
3NFM1370.0%
4Direct Mortgage Loans1230.8%
5Coastal Community Bank831.2%
6POINT BREEZE Credit Union581.7%
7CMG Mortgage581.7%
8First Home Mortgage1822.2%
9Fairway Independent Mortgage832.4%
10Meridian Bank1072.8%

What Harford County borrowers applied for

By loan purpose

Home purchase 4,265 41% · 8.8% denied
Refinance 1,615 16% · 13.3% denied
Cash-out refinance 2,057 20% · 17.8% denied
Home improvement 1,129 11% · 25.3% denied
Other / HELOC 1,307 13% · 28.8% denied

By loan type

Conventional 7,718 74% · 16.3% denied
FHA 1,546 15% · 15.9% denied
VA 1,096 11% · 10.3% denied
USDA / RHS 13 0% · 15.4% denied

Why applications were denied

Debt-to-income ratio 479 30%
Credit history 462 29%
Incomplete application 216 14%
Other 173 11%
Collateral 171 11%
Unverifiable information 51 3%
Insufficient cash 25 2%
Employment history 11 1%

Harford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,1704,94719.0%6.75%$205,000
20249,3495,77217.0%6.63%$235,000
202510,3736,51115.6%6.49%$245,000

Frequently asked questions

15.6% of applications in Harford County were denied in 2025, against 18.8% statewide in Maryland.

Aberdeen Proving Ground Federal Credit Union, with 1,180 applications in 2025 and a denial rate of 13.7%.

The median mortgage application in Harford County in 2025 was for $245,000; the median property value on originated loans was $435,000.