Mortgage lending in Hagerstown-Martinsburg, MD-WV
8,190 mortgages were originated in the Hagerstown-Martinsburg, MD-WV area in 2025, and here is what they cost.
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
- 8,190
- Median rate
- 6.575%
- Median lender fees
- $6,781
- Median loan amount
- $245,000
- Median spread over APOR
- 0.376
- Paid discount points
- 46.7%
- Received lender credits
- 25%
- Purchases / refinances
- 55.1% / 29.4%
- Conventional / FHA / VA
- 64.5% / 21.1% / 12.6%
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 73.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Hagerstown-Martinsburg, MD-WV area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 663 | $5,384 | 6.875% |
| Integrity Home Mortgage Corporation | 425 | $10,142 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 350 | $9,080 | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 320 | $9,055 | 6.575% |
| Navy Federal Credit Union | 278 | $2,562 | 7.650% |
| PENNYMAC LOAN SERVICES, LLC | 235 | $6,457 | 6.250% |
| City National Bank of West Virginia | 228 | $200 | 6.290% |
| Truist Bank | 220 | $4,324 | 6.875% |
| Manufacturers and Traders Trust Company | 202 | — | 5.990% |
| CNB Bank, Inc. | 173 | — | — |