Mortgage lending in Washington County
3,278 mortgages were originated in Washington 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
- 3,278
- Median rate
- 6.625%
- Median lender fees
- $7,076
- Median loan amount
- $225,000
- Median spread over APOR
- 0.376
- Paid discount points
- 39.7%
- Received lender credits
- 24.8%
- Purchases / refinances
- 47.6% / 33.6%
- Conventional / FHA / VA
- 69.2% / 20.6% / 9.4%
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 67.6% 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 Washington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 269 | $5,729 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 179 | $9,770 | 6.125% |
| Manufacturers and Traders Trust Company | 167 | — | 5.990% |
| Truist Bank | 121 | — | 6.838% |
| PENNYMAC LOAN SERVICES, LLC | 104 | $6,173 | 6.562% |
| PATRIOT | 104 | — | 4.990% |
| PNC Bank, National Association | 89 | — | 7.840% |
| Navy Federal Credit Union | 72 | $2,710 | 7.700% |
| FREEDOM MORTGAGE CORPORATION | 69 | $9,128 | 6.250% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 68 | — | 6.250% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Washington County — not a rule of thumb.
From 2,217 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