Mortgage lending in Harford County
6,474 mortgages were originated in Harford County, Maryland, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,474
- Median rate
- 6.500%
- Median lender fees
- $6,087
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $265,000
- Above the going rate (spread over APOR)
- 0.220
- Paid discount points
- 37.9%
- Received lender credits
- 26.7%
- Purchases / refinances
- 48.4% / 32.8%
- Conventional / FHA / VA
- 74.7% / 14.6% / 10.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $747,500
- Median home price
- $650,000
- That home, 20% down
- $520,000
A median-priced home with 20% down leaves $312,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Harford County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Aberdeen Proving Ground Federal Credit Union | 798 | — | 6.140% |
| Rocket Mortgage, LLC | 424 | $5,226 | 6.750% |
| United Shore Financial Services, LLC | 256 | $8,207 | 6.125% |
| First National Bank of Pennsylvania | 241 | $3,687 | 6.490% |
| Manufacturers and Traders Trust Company | 214 | — | 5.990% |
| Primary Residential Mortgage, Inc. | 209 | $9,024 | 6.625% |
| NVR Mortgage Finance, Inc. | 185 | $9,529 | 6.250% |
| First Home Mortgage Corporation | 178 | $9,101 | 6.625% |
| PNC Bank, National Association | 153 | — | 8.430% |
| Pennymac Loan Services, LLC | 139 | $4,196 | 6.499% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Harford County — not a rule of thumb.
From 4,729 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers