Applications / Mortgage Analytics / Lenders / Maryland / Harford Bank
Aberdeen, MD · State non-member bank · FDIC · $728 million assets · 67 loans in 2025
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67
loans originated, 2025
97
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harford Bank, a Maryland bank, more than doubled its mortgage lending in 2025 after its quietest year since at least 2018, and one loan in five went on home improvement.
It made 67 loans in 2025, up 123% from 30, faster than almost all similar lenders, which here means state non-member banks making between half and twice as many loans. Those peers grew by 9% and the whole market by 10%. Even so, it made fewer loans than in 2022, when it made 130.
Home improvement took 19.4% of its loans, beside 50.7% for purchases and 20.9% for refinancing. Every loan was conventional. Low- and moderate-income borrowers took 24.1% of its loans, near the middle of its peers, whose typical share was 27.5%.
It lent in 6 metros across 4 states in 2025. Its share of the Baltimore market rose 0.1 points to 0.1%, ranking it 216 of 592 lenders, behind Rocket Mortgage and United Wholesale Mortgage at the top. It also entered Wilmington, North Carolina, in 2025, taking 0.1% there. With so few loans, each market rests on a handful, so these shares say more about reach than about standing.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Harford Bank took 97 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.7% · Refinance 20.9% · Home improvement 19.4% · Other 9.0%
Conventional 100.0% · of 67 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 61 | 91.0% |
| Delaware | 4 | 6.0% |
| District of Columbia | 1 | 1.5% |
| North Carolina | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 38 |
| Wilmington | 18 |
| Washington | 2 |
| Frederick-Gaithersburg-Bethesda | 1 |
| Lexington Park | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W5FH4XO4DKJB28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 660927 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319101 | 2002–2017 |
Established 1 May 1964. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Harford Bank's data.
Harford Bank's data
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Harford Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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