Mortgage lending in Worcester County
2,324 mortgages were originated in Worcester 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
- 2,324
- Median rate
- 6.875%
- Median lender fees
- $5,954
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
- $275,000
- Above the going rate (spread over APOR)
- 0.436
- Paid discount points
- 41.3%
- Received lender credits
- 18.5%
- Purchases / refinances
- 62.1% / 23.5%
- Conventional / FHA / VA
- 90.1% / 5.8% / 3.9%
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 69.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $390,000
- That home, 20% down
- $312,000
A median-priced home with 20% down leaves $520,750 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 Worcester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Movement Mortgage, LLC | 165 | $6,082 | 6.990% |
| Rocket Mortgage, LLC | 153 | $4,739 | 6.990% |
| CMG Mortgage, Inc. | 131 | $5,338 | 6.875% |
| Direct Mortgage Loans, LLC | 92 | $8,224 | 6.875% |
| Embrace Home Loans, Inc. | 88 | $6,753 | 6.990% |
| NVR Mortgage Finance, Inc. | 70 | $5,223 | 6.875% |
| Nfm, Inc. | 66 | $5,871 | 6.875% |
| PNC Bank, National Association | 59 | — | 7.890% |
| Manufacturers and Traders Trust Company | 56 | — | 5.990% |
| United Shore Financial Services, LLC | 54 | — | 6.125% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Worcester County — not a rule of thumb.
From 1,620 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