Mortgage lending in Montgomery County
16,639 mortgages were originated in Montgomery County, Maryland, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 16,639
- Median rate
- 6.500%
- Median lender fees
- $6,066
- Median loan amount
- $395,000
- Median spread over APOR
- 0.105
- Paid discount points
- 30.2%
- Received lender credits
- 28.2%
- Purchases / refinances
- 51.8% / 29%
- Conventional / FHA / VA
- 88.3% / 6.7% / 5%
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 71.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,249,125
- FHA limit
- $1,249,125
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
Who lent here
Lenders with at least 50 loans in Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,166 | $4,723 | 6.625% |
| Truist Bank | 795 | $5,691 | 6.340% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 739 | $8,412 | 6.250% |
| Navy Federal Credit Union | 559 | $2,784 | 7.750% |
| Bank of America, National Association | 488 | $5,842 | 6.000% |
| Atlantic Union Bank | 472 | $5,916 | 6.750% |
| Manufacturers and Traders Trust Company | 463 | $5,751 | 5.875% |
| Prosperity Home Mortgage, LLC | 361 | $7,074 | 6.500% |
| PNC Bank, National Association | 358 | — | 8.600% |
| JPMorgan Chase Bank, National Association | 310 | $4,781 | 6.375% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 11,904 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers