Mortgage lending in Harford County, Maryland
Lenders in Harford County, Maryland reported 10,373 mortgage applications for 2025, according to the CFPB.
10,373 mortgage applications and 6,511 loans originated in 2025; the denial rate was 19.0% of 8,520 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baltimore-Columbia-Towson, MD MSA.
- 10,373
- Applications
- 6,511
- Loans originated
- 19.0%
- Denial rate
- 1,619 denied of 8,520 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,373 | 6,511 |
| 2024 | 9,349 | 5,772 |
| 2023 | 8,170 | 4,947 |
| 2022 | 11,908 | 7,440 |
| 2021 | 23,123 | 15,814 |
| 2020 | 22,965 | 15,840 |
| 2019 | 13,868 | 9,038 |
| 2018 | 11,459 | 7,209 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Aberdeen Proving Ground Fcu | 798 | 1,180 |
| Rocket Mortgage | 424 | 549 |
| United Wholesale Mortgage | 256 | 334 |
| First National Bank of PA | 241 | 349 |
| M&T Bank | 214 | 329 |
| Primary Residential Mortgage, INC. | 209 | 262 |
| NVR Mortgage Finance, Inc. | 185 | 270 |
| First Home Mortgage | 178 | 218 |
| PNC Bank N.A. | 153 | 258 |
| Pennymac Loan Services LLC | 139 | 226 |
| Navy Federal Credit Union | 136 | 289 |
| NFM, Inc | 135 | 160 |
| DHI Mortgage Company, LTD. | 128 | 188 |
| Direct Mortgage Loans, LLC | 114 | 138 |
| Crosscountry Mortgage, LLC | 110 | 163 |
| Freedom Mortgage Corporation | 109 | 246 |
| Meridian Bank | 103 | 132 |
| State Employees Credit Union of MD | 93 | 171 |
| Truist Bank | 84 | 166 |
| Fairway Independent Mort Corp | 81 | 97 |
| Bank of America NA | 79 | 219 |
| Newrez LLC | 74 | 181 |
| TowneBank | 72 | 81 |
| Guild Mortgage Company | 72 | 87 |
| Nationstar Mortgage | 65 | 90 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 40 | no rate: base under 50 |
| Asian | 396 | 22.7% of 313 decided |
| Black or African American | 1,595 | 28.3% of 1,288 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 6,356 | 15.9% of 5,367 decided |
| 2 or more minority races | 35 | no rate: base under 50 |
| Joint | 190 | 18.2% of 159 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,739 | 20.9% of 1,313 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 417 | 27.6% of 348 decided |
| Not Hispanic or Latino | 8,036 | 18.2% of 6,712 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,711 | 20.5% of 1,283 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,576 | 21.1% of 2,943 decided |
| Female | 2,420 | 22.3% of 2,015 decided |
| Joint | 3,446 | 14.2% of 2,891 decided |
| Sex Not Available | 931 | 20.7% of 671 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 478 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved