Mortgage lending in Baltimore-Columbia-Towson, MD
58,854 mortgages were originated in the Baltimore-Columbia-Towson, MD area in 2025, and here is what they cost.
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
- 58,854
- Median rate
- 6.625%
- Median lender fees
- $6,388
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)
- 0.241
- Paid discount points
- 36.4%
- Received lender credits
- 24.7%
- Purchases / refinances
- 51.2% / 31%
- Conventional / FHA / VA
- 76.7% / 13.7% / 9.5%
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 70.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Baltimore-Columbia-Towson, MD area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 4,033 | $5,110 | 6.625% |
| United Shore Financial Services, LLC | 3,005 | $8,623 | 6.250% |
| Navy Federal Credit Union | 2,015 | $2,518 | 7.950% |
| First Home Mortgage Corporation | 1,944 | $9,344 | 6.625% |
| Manufacturers and Traders Trust Company | 1,787 | $5,640 | 5.990% |
| State Employees Credit Union Of Maryland, Incorporated | 1,544 | $4,438 | 6.375% |
| Nfm, Inc. | 1,402 | $8,487 | 6.625% |
| Truist Bank | 1,259 | $5,258 | 6.490% |
| First National Bank of Pennsylvania | 1,240 | $4,722 | 6.490% |
| Bank of America, National Association | 1,170 | $4,460 | 6.240% |