Harford Bank
Harford Bank received 97 applications in 2025 and made 67 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 91 decisions, 22 were denials — 24.2%.
| Legal Entity Identifier | 254900W5FH4XO4DKJB28 |
|---|---|
| Applications received | 97 |
| Mortgages made | 67 |
| Denied | 22 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Harford Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 34 | Not published | $405,000 | 16.7% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cash-out refinancing | 10 | Not published | $215,000 | 37.5% |
| Other purposes | 19 | Not published | $75,000 | 28.6% |
Where Harford Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harford County, MD | 26 | Not published | 27.0% |
| Cecil County, MD | 17 | Not published | 33.3% |
| Baltimore County, MD | 5 | Under 10 loans | 0.0% |
| Sussex County, DE | 3 | Under 10 loans | 0.0% |
| Baltimore city, MD | 3 | Under 10 loans | 0.0% |
| Queen Anne's County, MD | 2 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 50.0% |
| Calvert County, MD | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Kent County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Prince George's County, MD | 1 | Under 10 loans | 0.0% |
| Talbot County, MD | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 0.0% |
| Tioga County, PA | 0 | Under 10 loans | 100.0% |
| York County, PA | 0 | Under 10 loans | 100.0% |
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When Harford Bank’s figures are published for the next year, or restated.
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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. 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.