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refinance lenders · HMDA 2023–2025

Refinance lenders in Harford County, Maryland

Fat Boy Data analyzed mortgage refinance activity in Harford County, Maryland, home to Aberdeen, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,563 applications were decided by 185 lenders between 2023 and 2025.

Harford County at a glance

185Active lenders19 with 20+ decisions
80.7%Market approval rate2,069 of 2,563 decided
$275KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,908 loans funded

How Harford County compares

Approval rate compared
Harford County80.7%Maryland76.1%All 616 counties76.5%
Typical loan compared
Harford County$275KMaryland$405KAll 616 counties$295K

What the data shows

First National Bank of Pennsylvania made the most mortgage refinances in Harford County, MD, 180 of them.

Primary Residential Mortgage, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 34.

The typical mortgage refinance here is $275K, 32% smaller than the Maryland typical of $405K.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%One lender: 37% approved of 51One lender: 48% approved of 25One lender: 61% approved of 72One lender: 63% approved of 35One lender: 67% approved of 21One lender: 70% approved of 104First National Bank of Pennsylvania: 71% approved of 253One lender: 78% approved of 147Aberdeen Proving Ground Federal Credit Union: 83% approved of 241Rocket Mortgage, LLC: 85% approved of 149One lender: 85% approved of 54One lender: 87% approved of 77Manufacturers and Traders Trust Company: 89% approved of 219United Wholesale Mortgage, LLC: 89% approved of 156One lender: 92% approved of 24One lender: 94% approved of 49One lender: 95% approved of 130One lender: 100% approved of 34One lender: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Harford County

LenderApprovalApprovedTaken upTypical loanLoans made
1First National Bank of Pennsylvania71%180 / 253100%$155K180
2Aberdeen Proving Ground Federal Credit Union83%200 / 24184%$105K167
3Manufacturers and Traders Trust Company89%195 / 21991%$105K177
4United Wholesale Mortgage, LLCBroker only89%139 / 15695%$385K132
5Rocket Mortgage, LLC85%126 / 14994%$325K119

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 180 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Harford County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

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  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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