Mortgage lending in Frederick County
7,470 mortgages were originated in Frederick 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
- 7,470
- Median rate
- 6.625%
- Median lender fees
- $6,050
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)
- 0.193
- Paid discount points
- 35.8%
- Received lender credits
- 26.4%
- Purchases / refinances
- 47.8% / 30.8%
- Conventional / FHA / VA
- 79.6% / 11.1% / 9%
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 72.3% 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 Frederick County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 599 | $4,265 | 6.625% |
| PNC Bank, National Association | 518 | — | 8.840% |
| United Shore Financial Services, LLC | 344 | $8,271 | 6.125% |
| Navy Federal Credit Union | 309 | $2,922 | 7.750% |
| Truist Bank | 283 | $5,005 | 6.500% |
| NVR Mortgage Finance, Inc. | 230 | $7,001 | 6.500% |
| Pennymac Loan Services, LLC | 184 | $4,733 | 6.625% |
| Manufacturers and Traders Trust Company | 154 | — | 5.990% |
| Nfm, Inc. | 120 | $8,950 | 6.750% |
| Crosscountry Mortgage, Inc. | 119 | $8,481 | 6.575% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Frederick County — not a rule of thumb.
From 5,398 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