Mortgage lending in Anne Arundel County
14,145 mortgages were originated in Anne Arundel County, Maryland, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 14,145
- Median rate
- 6.625%
- Median lender fees
- $6,861
- Median loan amount
- $345,000
- Median spread over APOR
- 0.196
- Paid discount points
- 38%
- Received lender credits
- 24.7%
- Purchases / refinances
- 49.3% / 30.5%
- Conventional / FHA / VA
- 72.4% / 11.3% / 16.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $747,500
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Anne Arundel County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,002 | $4,831 | 6.750% |
| Navy Federal Credit Union | 912 | $2,514 | 7.950% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 763 | $9,120 | 6.125% |
| FIRST HOME MORTGAGE CORPORATION | 526 | $9,940 | 6.625% |
| TOWER Federal Credit Union | 517 | $2,407 | 7.000% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 382 | $4,503 | 6.250% |
| NFM, INC. | 379 | $8,414 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 312 | $5,950 | 6.374% |
| Truist Bank | 311 | $5,146 | 6.490% |
| NVR Mortgage Finance, Inc. | 309 | $10,292 | 6.125% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Anne Arundel County — not a rule of thumb.
From 10,346 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers