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Harford County, Maryland
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 9,349 mortgage applications in Harford County, Maryland, for 2024, and originated 5,772 loans worth $1.7bn.
That is 56.7 originations per 1,000 households, against 49.5 for Maryland and 48.0 nationally.
The county's denial rate was 20.7%, below the state rate of 24.9%. The median rate spread on originated loans was 0.3 percentage points and 15.6% of originations were 1.5 points or more above the average prime offer rate.
67 lenders reached 25 applications in the county; the most active by originations were Aberdeen Proving Ground FCU (676), Rocket Mortgage (377) and First National Bank of Pa (204).
Originations were up 17% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 67. Denial rate is denials over decided applications in this county.
Compared with Maryland and the nation
| Measure | This county | Maryland | United States |
|---|---|---|---|
| Denial rate | 20.7% | 24.9% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.6% | 17.7% | 15.6% |
| Average originated loan | $294k | $348k | $329k |
| Originations per 1,000 households | 56.7 | 49.5 | 48.0 |
| Home purchase share of originations | 53.1% | 56.2% | 57.0% |
| FHA-insured share | 13.9% | 14.6% | 13.4% |
| VA-guaranteed share | 10.2% | 10.0% | 7.9% |
Rate spread distribution
Share of 5,393 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Maryland). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 53% (3,064)Home improvement 9% (510)Refinancing 11% (656)Cash-out refinancing 18% (1,016)Other purpose 9% (526)
By type
Conventional 76% (4,383)FHA 14% (801)VA 10% (587)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyMaryland
Questions and answers
Which lenders are most active in Harford County, MD?
By 2024 originations: Aberdeen Proving Ground FCU (676), Rocket Mortgage (377), First National Bank of Pa (204), United Wholesale Mortgage (197), M&T Bank (195). 67 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Harford County?
20.7% of decided applications were denied in 2024, against 24.9% across Maryland and 24.3% nationally.
How many mortgages were originated in Harford County in 2024?
5,772 loans totalling $1.7bn, from 9,349 applications; 56.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 24025; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.