Home purchase lenders in Harford County
3,133 home purchase mortgages were made in Harford County, Maryland, in 2025, by 265 lenders. The median rate their borrowers got was 6.500% on a median loan of $355,000. Of 3,585 decisions, 375 were denials — 10.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NVR Mortgage Finance, Inc. | 185 | 6.250% | $435,000 | 26.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 176 | 6.625% | $330,000 | 2.8% |
| FIRST HOME MORTGAGE CORPORATION | 160 | 6.750% | $335,000 | 2.4% |
| Rocket Mortgage, LLC | 135 | 6.625% | $335,000 | 11.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 130 | 6.375% | $325,000 | 12.7% |
| DHI MORTGAGE COMPANY, LTD. | 128 | 5.500% | $395,000 | 14.5% |
| NFM, INC. | 118 | 6.625% | $325,000 | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 109 | 6.125% | $235,000 | 18.4% |
| DIRECT MORTGAGE LOANS, LLC | 97 | 6.625% | $355,000 | 0.9% |
| First National Bank of Pennsylvania | 90 | 6.375% | $395,000 | 14.3% |
| MERIDIAN BANK | 89 | 6.500% | $305,000 | 2.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 77 | 6.575% | $325,000 | 4.9% |
| Fairway Independent Mortgage Corporation | 71 | 6.625% | $335,000 | 1.4% |
| Towne Bank | 68 | 6.375% | $380,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 66 | 6.500% | $345,000 | 0.0% |
| Shore United Bank, N.A. | 44 | 6.495% | $345,000 | 6.4% |
| CMG MORTGAGE, INC. | 42 | 6.625% | $355,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 40 | 6.650% | $310,000 | 0.0% |
| Navy Federal Credit Union | 36 | 6.250% | $350,000 | 18.2% |
| Prosperity Home Mortgage, LLC | 34 | 6.625% | $320,000 | 0.0% |
| Mortgage Research Center, LLC | 33 | 6.250% | $415,000 | 12.8% |
| FIRST COMMUNITY MORTGAGE, INC. | 31 | 6.375% | $375,000 | 2.8% |
| FIDELITY DIRECT MORTGAGE, LLC | 30 | 6.250% | $455,000 | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 28 | 6.000% | $265,000 | 9.4% |
| MOVEMENT MORTGAGE, LLC | 28 | 6.594% | $365,000 | 3.1% |
| Manufacturers and Traders Trust Company | 28 | 6.000% | $265,000 | 9.4% |
| Fulton Bank, National Association | 26 | 6.500% | $340,000 | 3.7% |
| DAS Acquisition Company, LLC | 26 | 6.563% | $415,000 | 0.0% |
| Kiavi Funding, Inc. | 25 | 9.950% | $245,000 | 3.7% |
| ENVOY MORTGAGE, LTD | 24 | 6.688% | $330,000 | 0.0% |
| Atlantic Union Bank | 24 | 6.495% | $400,000 | 11.1% |
| Bank of America, National Association | 22 | 6.125% | $345,000 | 29.0% |
| Wells Fargo Bank, National Association | 19 | 6.375% | $265,000 | 13.6% |
| PENNYMAC LOAN SERVICES, LLC | 19 | 5.999% | $305,000 | 0.0% |
| 21st Mortgage Corporation | 18 | 10.885% | $65,000 | 74.7% |
| Broker Solutions, Inc. | 18 | 6.750% | $255,000 | 5.3% |
| EMM LOANS LLC | 18 | 6.500% | $390,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 17 | 6.625% | $345,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 16 | 6.500% | $340,000 | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 16 | 6.688% | $335,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 15 | 6.750% | $295,000 | 0.0% |
| Truist Bank | 15 | 6.100% | $305,000 | 5.6% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.375% | $335,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 14 | 6.813% | $445,000 | 0.0% |
| OriginPoint, LLC | 14 | 6.375% | $350,000 | 6.7% |
| JPMorgan Chase Bank, National Association | 13 | 6.625% | $295,000 | 7.1% |
| Cazle Mortgage, Inc. | 13 | 6.500% | $315,000 | 0.0% |
| Rosedale Federal Savings and Loan Association | 13 | Not published | $525,000 | 13.3% |
| Sierra Pacific Mortgage Company, Inc. | 13 | 6.375% | $315,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 13 | 6.500% | $355,000 | 7.1% |
| POINT BREEZE Credit Union | 13 | 5.875% | $425,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 13 | 6.500% | $385,000 | 0.0% |
| Jarrettsville Federal Savings and Loan Association | 13 | Not published | $315,000 | 0.0% |
| PNC Bank, National Association | 12 | 6.313% | $345,000 | 14.3% |
| NEWREZ LLC | 12 | 6.438% | $405,000 | 7.7% |
| LOWER, LLC | 12 | 6.313% | $390,000 | 7.7% |
| Harford Bank | 11 | Not published | $385,000 | 8.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 6.250% | $355,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 11 | 9.750% | $265,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 11 | 6.875% | $325,000 | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 11 | 6.750% | $445,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.370% | $560,000 | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.563% | $515,000 | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 10 | 6.625% | $330,000 | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Freedom of Maryland Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Orrstown Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 52.9% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 13.3% |
| First Heritage Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Vellum Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BAY CAPITAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HAR-CO Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESICENTRAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSAL MORTGAGE & FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 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% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 62.5% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 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% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Horizon Farm Credit, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 85.7% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BayVanguard Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REV FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 1 | 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 65 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.