Mortgage lending in Calvert County
2,531 mortgages were originated in Calvert 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
- 2,531
- Median rate
- 6.620%
- Median lender fees
- $7,477
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
- $335,000
- Above the going rate (spread over APOR)
- 0.234
- Paid discount points
- 41.8%
- Received lender credits
- 26.5%
- Purchases / refinances
- 45.1% / 33%
- Conventional / FHA / VA
- 63.2% / 13.4% / 22%
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 75.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $541,287
- Median home price
- $450,000
- That home, 20% down
- $360,000
A median-priced home with 20% down leaves $849,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. 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 Calvert County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 219 | $4,761 | 6.625% |
| Navy Federal Credit Union | 187 | — | 8.250% |
| First Home Mortgage Corporation | 180 | $11,728 | 6.495% |
| United Shore Financial Services, LLC | 119 | $8,844 | 6.000% |
| Pennymac Loan Services, LLC | 80 | $5,794 | 6.499% |
| PNC Bank, National Association | 74 | — | 7.660% |
| Freedom Mortgage Corporation | 69 | $6,308 | 5.750% |
| Mortgage Research Center, LLC | 60 | $7,775 | 6.058% |
| Truist Bank | 58 | — | 6.357% |
| Towne Bank | 57 | $6,284 | 6.250% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Calvert County — not a rule of thumb.
From 1,901 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