Mortgage lending in Howard County
6,671 mortgages were originated in Howard 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
- 6,671
- Median rate
- 6.500%
- Median lender fees
- $6,071
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
- $375,000
- Above the going rate (spread over APOR)
- 0.125
- Paid discount points
- 32.7%
- Received lender credits
- 24.8%
- Purchases / refinances
- 48.5% / 30%
- Conventional / FHA / VA
- 86.6% / 6.1% / 7.2%
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 69.9% 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 Howard County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 477 | $5,081 | 6.500% |
| United Shore Financial Services, LLC | 312 | $7,912 | 6.125% |
| Navy Federal Credit Union | 249 | $3,234 | 7.750% |
| Truist Bank | 222 | $5,642 | 6.375% |
| State Employees Credit Union Of Maryland, Incorporated | 222 | $4,946 | 6.000% |
| TOWER Federal Credit Union | 218 | $4,490 | 7.000% |
| Bank of America, National Association | 199 | — | 6.125% |
| Manufacturers and Traders Trust Company | 167 | $5,785 | 5.990% |
| First Home Mortgage Corporation | 164 | $9,234 | 6.625% |
| NVR Mortgage Finance, Inc. | 154 | $7,431 | 6.438% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Howard County — not a rule of thumb.
From 4,660 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