Lowest closing cost mortgage lenders in Harford County County, Maryland
In Harford County, Maryland, homebuyers paid a median of $7,719 in closing costs in 2024 — below the Maryland median of $7,916. The county saw 2,607 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $3,422, which is $2,687 less than the county median.
Homebuyers in Harford County County who chose Bank of America, National Association paid $4,297 less in closing costs than the county median.
County Median Costs
$7,719
−2.5% vs Maryland ($7,916)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,701
Purchase Originations
2,607
vs Maryland Median
2.5% below
$-197
vs National Median
14.5% above
$978
Lender rankings in Harford County County
43 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,422 | 6.562% | $1,034 | 14 | −$2,687 | |
| 2 | $3,444 | 5.750% | $0 | 41 | −$2,665 | |
| 3 | $3,772 | 6.625% | $0 | 34 | −$2,337 | |
| 4 | $4,081 | 6.375% | $1,544 | 13 | −$2,028 | |
| 5 | $4,142 | 6.125% | $60 | 10 | −$1,967 | |
| 6 | $4,353 | 5.750% | $1,125 | 56 | −$1,756 | |
| 7 | $4,401 | 6.438% | $1,125 | 10 | −$1,708 | |
| 8 | $4,707 | 6.400% | $1,630 | 14 | −$1,402 | |
| 9 | $4,752 | 6.375% | $1,547 | 14 | −$1,357 | |
| 10 | $4,890 | 6.625% | $1,355 | 91 | −$1,219 | |
| 11 | $4,976 | 6.375% | $1,705 | 21 | −$1,133 | |
| 12 | $5,077 | 6.875% | $1,595 | 33 | −$1,032 | |
| 13 | $5,258 | 6.625% | $2,018 | 20 | −$850 | |
| 14 | $5,388 | 6.490% | $1,598 | 19 | −$721 | |
| 15 | $5,487 | 6.990% | $2,049 | 20 | −$622 | |
| 16 | $5,525 | 6.500% | $2,736 | 108 | −$584 | |
| 17 | $5,558 | 6.500% | $2,102 | 23 | −$551 | |
| 18 | $5,589 | 6.990% | $2,776 | 17 | −$520 | |
| 19 | $5,714 | 6.625% | $2,832 | 19 | −$395 | |
| 20 | $5,814 | 6.625% | $2,781 | 46 | −$295 | |
| 21 | $5,819 | 6.490% | $1,495 | 11 | −$290 | |
| 22 | $5,879 | 6.625% | $3,390 | 24 | −$230 | |
| 23 | $5,886 | 6.875% | $2,950 | 59 | −$223 | |
| 24 | $5,923 | 6.990% | $2,320 | 23 | −$186 | |
| 25 | $6,268 | 6.500% | $3,040 | 23 | +$159 | |
| 26 | $6,347 | 6.750% | $3,174 | 10 | +$238 | |
| 27 | $6,410 | 6.625% | $3,062 | 60 | +$301 | |
| 28 | $6,435 | 6.375% | $2,190 | 41 | +$326 | |
| 29 | $6,942 | 6.675% | $3,760 | 11 | +$833 | |
| 30 | $7,200 | 6.938% | $3,695 | 24 | +$1,091 | |
| 31 | $7,200 | 6.625% | $3,910 | 23 | +$1,091 | |
| 32 | $7,211 | 6.688% | $2,989 | 24 | +$1,102 | |
| 33 | $7,492 | 6.875% | $3,952 | 20 | +$1,383 | |
| 34 | $7,876 | 6.562% | $4,625 | 10 | +$1,767 | |
| 35 | $7,878 | 6.625% | $4,464 | 10 | +$1,769 | |
| 36 | $8,214 | 6.625% | $4,800 | 13 | +$2,105 | |
| 37 | $8,255 | 6.875% | $5,134 | 57 | +$2,146 | |
| 38 | $8,378 | 6.625% | $3,845 | 59 | +$2,269 | |
| 39 | $8,581 | 6.875% | $5,365 | 63 | +$2,472 | |
| 40 | $8,998 | 6.750% | $5,894 | 90 | +$2,889 | |
| 41 | $9,056 | 6.625% | $5,693 | 109 | +$2,947 |
Includes lenders with 10+ purchase originations in Harford County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Maryland → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.