Mortgage lending in St. Mary's County
2,685 mortgages were originated in St. Mary's 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
- 2,685
- Median rate
- 6.500%
- Median lender fees
- $7,034
- Median loan amount
- $335,000
- Median spread over APOR
- 0.197
- Paid discount points
- 42.6%
- Received lender credits
- 26%
- Purchases / refinances
- 50.9% / 30.9%
- Conventional / FHA / VA
- 57.3% / 11.8% / 28.5%
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 78.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in St. Mary's County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| FIRST HOME MORTGAGE CORPORATION | 298 | $9,834 | 6.500% |
| Navy Federal Credit Union | 297 | $1,941 | 7.750% |
| Rocket Mortgage, LLC | 189 | $3,966 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 110 | $7,526 | 5.932% |
| PENNYMAC LOAN SERVICES, LLC | 93 | $6,869 | 6.125% |
| FREEDOM MORTGAGE CORPORATION | 86 | $5,557 | 6.125% |
| Towne Bank | 72 | $7,405 | 6.375% |
| Mortgage Research Center, LLC | 71 | $6,261 | 6.125% |
| PNC Bank, National Association | 65 | — | 7.790% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 55 | $11,353 | 6.625% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in St. Mary's County — not a rule of thumb.
From 2,100 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