Mortgage lending in Baltimore city
10,215 mortgages were originated in Baltimore city, Maryland, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 10,215
- Median rate
- 6.750%
- Median lender fees
- $6,478
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (spread over APOR)
- 0.354
- Paid discount points
- 35%
- Received lender credits
- 24.5%
- Purchases / refinances
- 60.8% / 28.8%
- Conventional / FHA / VA
- 74.3% / 19.1% / 6.4%
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 64.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $747,500
- Median home price
- $650,000
- That home, 20% down
- $520,000
A median-priced home with 20% down leaves $312,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Baltimore city, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 580 | $8,078 | 6.749% |
| Rocket Mortgage, LLC | 538 | $5,426 | 6.625% |
| First Home Mortgage Corporation | 481 | $8,745 | 6.625% |
| Nfm, Inc. | 314 | $8,029 | 6.750% |
| Manufacturers and Traders Trust Company | 312 | $8,516 | 5.990% |
| Primary Residential Mortgage, Inc. | 296 | $6,810 | 6.625% |
| 254900CTT87ZKAUTIJ37 | 272 | — | 7.625% |
| State Employees Credit Union Of Maryland, Incorporated | 239 | $4,196 | 6.500% |
| Navy Federal Credit Union | 200 | $3,044 | 7.750% |
| Crosscountry Mortgage, Inc. | 191 | $8,087 | 6.750% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Baltimore city — not a rule of thumb.
From 6,558 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers