Mortgage lending in Carroll County
4,205 mortgages were originated in Carroll 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
- 4,205
- Median rate
- 6.625%
- Median lender fees
- $5,625
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
- $275,000
- Above the going rate (spread over APOR)
- 0.240
- Paid discount points
- 34.2%
- Received lender credits
- 22.1%
- Purchases / refinances
- 43.6% / 32.8%
- Conventional / FHA / VA
- 81.9% / 10% / 7.7%
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 69.1% 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 Carroll County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 337 | $4,800 | 6.625% |
| PNC Bank, National Association | 242 | — | 7.940% |
| Truist Bank | 197 | — | 6.840% |
| United Shore Financial Services, LLC | 183 | $7,968 | 6.125% |
| Manufacturers and Traders Trust Company | 147 | — | 5.990% |
| Navy Federal Credit Union | 141 | — | 7.950% |
| TOWER Federal Credit Union | 119 | — | 7.000% |
| First Financial Of Maryland Federal Credit Union | 116 | — | 2.490% |
| Pennymac Loan Services, LLC | 88 | $3,494 | 7.250% |
| Bank of America, National Association | 86 | — | 6.490% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Carroll County — not a rule of thumb.
From 2,904 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