Mortgage lending in Baltimore County
15,451 mortgages were originated in Baltimore County, 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
- 15,451
- Median rate
- 6.625%
- Median lender fees
- $6,423
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
- $265,000
- Above the going rate (spread over APOR)
- 0.297
- Paid discount points
- 37.2%
- Received lender credits
- 24.9%
- Purchases / refinances
- 51.3% / 32.3%
- Conventional / FHA / VA
- 77.3% / 16.4% / 6.2%
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 72.1% 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 County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,143 | $5,193 | 6.625% |
| United Shore Financial Services, LLC | 806 | $8,920 | 6.454% |
| Manufacturers and Traders Trust Company | 617 | $5,184 | 5.990% |
| State Employees Credit Union Of Maryland, Incorporated | 478 | $4,370 | 6.500% |
| First National Bank of Pennsylvania | 429 | $4,593 | 6.490% |
| First Home Mortgage Corporation | 424 | $9,360 | 6.750% |
| Nfm, Inc. | 389 | $8,675 | 6.625% |
| Primary Residential Mortgage, Inc. | 386 | $7,722 | 6.625% |
| Bank of America, National Association | 327 | $4,257 | 6.240% |
| Navy Federal Credit Union | 309 | $2,336 | 7.950% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Baltimore County — not a rule of thumb.
From 11,138 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