Mortgage lending in Charles County
5,144 mortgages were originated in Charles 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
- 5,144
- Median rate
- 6.499%
- Median lender fees
- $9,115
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
- $385,000
- Above the going rate (spread over APOR)
- 0.246
- Paid discount points
- 45%
- Received lender credits
- 31.8%
- Purchases / refinances
- 51% / 33.3%
- Conventional / FHA / VA
- 48.9% / 24.9% / 25.8%
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 81% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
- Median home price
- $1,198,000
- That home, 20% down
- $958,400
A median-priced home with 20% down leaves $290,725 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 Charles County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 422 | $1,338 | 8.200% |
| Rocket Mortgage, LLC | 386 | $6,227 | 6.500% |
| United Shore Financial Services, LLC | 306 | $11,830 | 5.999% |
| Lennar Mortgage, LLC | 274 | $11,418 | 6.125% |
| Freedom Mortgage Corporation | 221 | $7,200 | 5.990% |
| DHI Mortgage Company, Ltd. | 175 | $10,811 | 5.500% |
| Pennymac Loan Services, LLC | 148 | $7,443 | 6.000% |
| Mortgage Research Center, LLC | 146 | $7,332 | 5.990% |
| First Home Mortgage Corporation | 127 | $10,339 | 6.625% |
| Fairway Independent Mortgage Corporation | 126 | $10,832 | 6.625% |
What lenders charged here
Lender fees on a $385,000 loan, based on what was actually charged in Charles County — not a rule of thumb.
From 4,165 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