Mortgage lending in Frederick-Gaithersburg-Bethesda, MD

24,110 mortgages were originated in the Frederick-Gaithersburg-Bethesda, MD area in 2025, and here is what they cost.

Loans originated

24,110

Median rate

6.500%

Median lender fees

$6,062

Median loan amount

$375,000

Median spread over APOR

0.130

Paid discount points

31.9%

Received lender credits

27.7%

Purchases / refinances

50.5% / 29.6%

Conventional / FHA / VA

85.6% / 8.1% / 6.3%

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 71.8% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Frederick-Gaithersburg-Bethesda, MD area, ranked by volume.