What people paid for mortgages in Harford County, MD (2025)
Across 2,828 closed home-purchase loans in 2025, the median interest rate in Harford was 6.5%, and the middle half of borrowers got between 6.125% and 6.75%. Median total loan costs ran $7,712 on a median loan of $365,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.75%
- Median total loan costs
- $7,712
- Median loan amount
- $365,000
2,828 loans, 2025.
Refinance
- Median rate
- 6%
- Middle half of rates
- 5.75%–6.5%
- Median total loan costs
- $6,737
- Median loan amount
- $325,000
1,244 loans, 2025.
Lowest median rates in Harford (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.5.5%128 loans, median costs $9,971
- 2.ABERDEEN PROVING GROUND FEDERAL CREDIT UNION5.875%93 loans, median costs $4,536
- 3.NVR Mortgage Finance, Inc.6.25%185 loans, median costs $9,529
- 4.Navy Federal Credit Union6.25%35 loans, median costs $4,899
- 5.Mortgage Research Center, LLC6.25%33 loans, median costs $7,197
Among lenders with at least 30 closed purchase loans in Harford County in 2025.
Refinance
- 1.ABERDEEN PROVING GROUND FEDERAL CREDIT UNION5.625%73 loans, median costs $2,777
- 2.NEWREZ LLC5.87%44 loans, median costs $6,974
- 3.Rocket Mortgage, LLC5.99%155 loans, median costs $7,801
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%118 loans, median costs $7,055
- 5.Manufacturers and Traders Trust Company5.99%64 loans, median costs $4,766
Among lenders with at least 30 closed refinance loans in Harford County in 2025.
Lender by lender in Harford
Every lender that closed at least 5 qualifying loans in Harford County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | NVR Mortgage Finance, Inc. | 185 | 6.25% | $9,529 | $6,401 | $9,863 |
| 2 | FIRST HOME MORTGAGE CORPORATION | 155 | 6.625% | $9,243 | $4,695 | $3,650 |
| 3 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 152 | 6.625% | $9,960 | $4,328 | $3,714 |
| 4 | DHI MORTGAGE COMPANY, LTD. | 128 | 5.5% | $9,971 | $0 | $1,922 |
| 5 | Rocket Mortgage, LLC | 125 | 6.625% | $7,310 | $3,123 | $2,687 |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 117 | 6.375% | $8,764 | $3,384 | $2,117 |
| 7 | NFM, INC. | 116 | 6.625% | $9,120 | $4,237 | $3,342 |
| 8 | DIRECT MORTGAGE LOANS, LLC | 96 | 6.625% | $9,629 | $3,500 | $4,603 |
| 9 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 93 | 5.875% | $4,536 | $1,125 | $756 |
| 10 | MERIDIAN BANK | 87 | 6.49% | $5,233 | $1,454 | $644 |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.575% | $9,377 | $2,515 | $3,142 |
| 12 | First National Bank of Pennsylvania | 72 | 6.375% | $7,877 | $3,867 | $4,894 |
| 13 | Fairway Independent Mortgage Corporation | 68 | 6.625% | $6,832 | $1,795 | $2,496 |
| 14 | Towne Bank | 67 | 6.375% | $5,657 | $1,990 | $1,323 |
| 15 | GUILD MORTGAGE COMPANY | 60 | 6.5% | $8,280 | $2,102 | $3,633 |
| 16 | Shore United Bank, N.A. | 41 | 6.375% | $6,503 | $1,288 | $1,169 |
| 17 | GUARANTEED RATE AFFINITY, LLC | 36 | 6.625% | $5,052 | $1,640 | $698 |
| 18 | CMG MORTGAGE, INC. | 36 | 6.5% | $6,260 | $2,124 | $1,375 |
| 19 | Navy Federal Credit Union | 35 | 6.25% | $4,899 | $0 | $2,900 |
| 20 | Prosperity Home Mortgage, LLC | 33 | 6.625% | $6,345 | $1,721 | $2,125 |
| 21 | Mortgage Research Center, LLC | 33 | 6.25% | $7,197 | $0 | $466 |
| 22 | FIRST COMMUNITY MORTGAGE, INC. | 30 | 6.375% | $5,904 | $1,284 | $928 |
| 23 | FIDELITY DIRECT MORTGAGE, LLC | 29 | 6.25% | $16,970 | $6,974 | $7,078 |
| 24 | Manufacturers and Traders Trust Company | 25 | 6% | $5,233 | $1,767 | $1,087 |
| 25 | MOVEMENT MORTGAGE, LLC | 24 | 6.531% | $7,854 | $2,447 | $1,185 |
| 26 | ENVOY MORTGAGE, LTD | 24 | 6.688% | $6,983 | $1,984 | $3,815 |
| 27 | DAS Acquisition Company, LLC | 24 | 6.562% | $6,546 | $2,238 | $2,350 |
| 28 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 23 | 6% | $4,489 | $1,233 | $794 |
| 29 | Atlantic Union Bank | 23 | 6.49% | $6,147 | $1,598 | $1,812 |
| 30 | Fulton Bank, National Association | 22 | 6.5% | $8,060 | $2,284 | $3,175 |
| 31 | Bank of America, National Association | 20 | 6.312% | $4,322 | $1,057 | $871 |
| 32 | EMM LOANS LLC | 18 | 6.5% | $9,241 | $1,890 | $861 |
| 33 | Wells Fargo Bank, National Association | 18 | 6.312% | $4,630 | $1,645 | $1,924 |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.625% | $5,134 | $1,808 | $2,159 |
| 35 | 21st Mortgage Corporation | 16 | 11.215% | n/a | n/a | n/a |
| 36 | ZILLOW HOME LOANS, LLC | 15 | 6.75% | $5,829 | $1,889 | $1,739 |
| 37 | SWBC MORTGAGE CORPORATION | 15 | 6.5% | $7,794 | $4,252 | $3,510 |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 15 | 6.625% | $5,726 | $1,576 | $1,136 |
| 39 | PENNYMAC LOAN SERVICES, LLC | 15 | 5.875% | $8,178 | $1,088 | $1,082 |
| 40 | Paramount Residential Mortgage Group, Inc. | 14 | 6.562% | $14,820 | $6,267 | $4,804 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Harford figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Harford County in 2025?
The median interest rate on closed home-purchase loans in Harford County, Maryland in 2025 was 6.5%, across 2,828 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.75%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.