Howard Bank Ratings & Reviews

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NMLS ID: 604738

Howard Bank

(4.9 of 5) 1602 Reviews

98% of our customers would recommend this lender.

About Howard Bank

Whether you are a first time homebuyer or simply refinancing, Howard Bank Mortgage has the right loan for your needs.  We will walk you through our entire process, making it a virtually stress-free home buying or refinancing experience.  Howard...

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Loan Officers

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Leah Merriweather Columbia, MD
Abigail Ziegler Columbia, MD
William Corcoran Columbia, MD
Chris Harlan Columbia, MD
David Simkin Columbia, MD
Margaret McCarthy Columbia, MD
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Customer Reviews

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1602 Reviews

(4.9 of 5)
  • Lender Review
    from Montgomery, AL Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    November 15, 2017

    Very professional

    I was looking to do a cash out re-fi and found Howard Bank through Lending Tree. The process was smooth and easy. My loan officer,Mark, was very professional and explained the process thoroughly. My only issue was that it took 4 months to close the loan.

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  • Loan Officer Review
    from Hammonton, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this loan officer

    Always there!!

    Mark was always available to answer all my questions and concerns. Very helpful from beginning to end.

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  • Lender Review
    from Hammonton, NJ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this lender
    Date of Service:
    April 21, 2017

    Great Staff!!

    Great staff to deal with!! My contact was Mark Brown. He was always 1 phone call or an e-mail away! Would definitely recommend Howard Bank. 5 Stars.

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  • Loan Officer Review
    from Hackettstown, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this loan officer

    Good experience.

    Eric was very pleasant and professional to work with. He was always quick to respond to emails and calls making the process run smoothly. Thanks again, Eric.

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  • Lender Review
    from Hackettstown, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this lender

    Good Experience

    Our loan officer was very professional and pleasant to work with.

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  • Lender Review
    from Ijamsville, MD Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Loan Type:
    Refinance
    Services:
    I'm currently working with this lender
    Date of Service:
    January 16, 2018

    Beware of the 'Bait and Switch'

    Geeze did I want to like these guys. I had about three weeks correspondence with Howard Bank before backing out of the loan process. There were three main 'red flags' that influence my decision to NOT recommend Howard Bank. 1. My existing loan was a 20 year loan @ 3.375, and I had asked for rates on a 15 year loan. They essentially refused to quote me a 15 year loan, insisting that the rates for a 30 year loan were better. This obviously does not make sense. My assumption at this point is that the resale value on a 30 year loan was better than the 15 year loan, hence their insistence on this route. 2. They tried a 'pressure sale' after raising the rate by .5%. Of course there is always an excuse, "the appraisal came back below value, so we have to hike the rate from 3.875 to 4.25". In addition, "the economy is crazy so we need to lock this in NOW!". Never once did they discuss alternatives that would have lowered the Loan to Value ratio, remediating the 'low appraisal' situation that apparently justified the rate hike. 3. It turned into a very 'salesy' engagement. My expectation for a lender such as Howard Bank is that they represent a product that I can leverage to lower my interest expenses. While the conversations started out that way, they quickly progressed to 'think about your overall debt', 'I'm forgoing my commission on this to get you this rate if we can close today', etc. I felt like I was talking to a used car salesman that had no concern with finding a solution for my problem, only closing the deal. All in all, very disappointing engagement. The customer service was great, the responsiveness was great, but the rate hike and hurry to close approach, especially given the fact that $600 was paid out of pocket for the appraisal, is absolutely unacceptable... Read More

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  • Loan Officer Review
    from Dayton, OH
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this loan officer

    Great job

    Chris was very helpful throughout the entire process to handle any questions and concerns that we might have. He mad the process easy and extremely efficient.

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  • Lender Review
    from Dayton, OH Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Equity Loan or Line of Credit
    Services:
    Closed loan with this lender
    Date of Service:
    January 6, 2018

    Great Service

    Christopher Harlan was very respectful and attentive throughout the entire loan process. There were several instances where questions needed to be answered and Christopher was very accommodating through the process. What mattered most was the post-closing phone call that was made by Christopher to finalize things which was very pleasing to my wife and I.

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  • Lender Review
    from Glendale, AZ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    December 4, 2017

    Easy as pie!

    The process was as painless as possible. Everyone I talked to and worked with was great. David, my loan officer was always a phone call or email away. Julie was really patient with me, despite how many times I had to resubmit docs! I will definitely recommend the team at Howard Bank to anyone who asks!!!

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  • Loan Officer Review
    from Peabody, MA
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Refinance
    Services:
    Closed loan with this loan officer

    Excellent results.

    Great customer service.

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Whether you are a first time homebuyer or simply refinancing, Howard Bank Mortgage has the right loan for your needs.  We will walk you through our entire process, making it a virtually stress-free home buying or refinancing experience.  Howard Bank Mortgage is the residential lending department within Howard Bank, a locally-managed bank that serves the needs of the community with hands on personal attention and sophisticated banking products to meet your financial needs.  Every single person at this bank is focused on doing whatever it takes to help you be successful in your life.  We look forward to having the opportunity to prove what a difference the right bank can make.