Howard Bancorp, Inc. functions as the holding company for Howard Bank, providing a comprehensive suite of financial services. These offerings encompass commercial and mortgage banking, alongside consumer finance, catering to a diverse clientele including businesses, their owners, professionals, and individual consumers. Customers can choose from various deposit products such as demand accounts, money market accounts, savings accounts, and individual retirement accounts, in addition to commercial and retail checking options and certificates of deposit. The bank also extends a broad spectrum of commercial lending solutions. These include lines of credit, revolving facilities, financing for accounts receivable and inventory, term loans, equipment loans, and Small Business Administration (SBA) loans. Furthermore, it offers stand-by letters of credit, unsecured loans, and equipment leasing. For real estate, the institution provides commercial mortgage financing for both owner-occupied and investment properties, construction loans, and residential mortgage products. Personal lending options, both secured and unsecured, are also available. Beyond core banking, the company furnishes essential services like wire transfers, automated teller machines (ATMs), debit cards, and safe deposit box rentals. Credit card services are facilitated through a third-party provider. Its offerings also extend to advanced business functionalities such as merchant card processing, overnight sweep services, check positive pay, and remote deposit capture. Modern digital banking through online and mobile platforms is also provided. As of December 31, 2020, Howard Bancorp, Inc. maintained an operational presence across Maryland, utilizing a network of 15 full-service branches and 8 specialized commercial lending offices. The company was established in 2004 and has its primary headquarters situated in Baltimore, Maryland.