What people paid for mortgages in Baltimore County, MD (2025)
Across 6,722 closed home-purchase loans in 2025, the median interest rate in Baltimore was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $7,646 on a median loan of $345,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $7,646
- Median loan amount
- $345,000
6,722 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,277
- Median loan amount
- $295,000
3,087 loans, 2025.
Lowest median rates in Baltimore (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.5.875%38 loans, median costs $4,522
- 2.Manufacturers and Traders Trust Company6%89 loans, median costs $5,298
- 3.Bank of America, National Association6.125%89 loans, median costs $4,068
- 4.Wells Fargo Bank, National Association6.125%41 loans, median costs $4,440
- 5.Navy Federal Credit Union6.25%87 loans, median costs $4,085
Among lenders with at least 30 closed purchase loans in Baltimore County in 2025.
Refinance
- 1.FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION2.49%49 loans, median costs $0
- 2.POINT BREEZE Credit Union5.625%30 loans, median costs $2,873
- 3.Mortgage Research Center, LLC5.875%32 loans, median costs $5,338
- 4.Manufacturers and Traders Trust Company5.99%161 loans, median costs $5,158
- 5.PENNYMAC LOAN SERVICES, LLC5.99%126 loans, median costs $8,887
Among lenders with at least 30 closed refinance loans in Baltimore County in 2025.
Lender by lender in Baltimore
Every lender that closed at least 5 qualifying loans in Baltimore County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 365 | 6.5% | $9,587 | $3,390 | $1,963 |
| 2 | FIRST HOME MORTGAGE CORPORATION | 359 | 6.75% | $9,715 | $4,340 | $3,871 |
| 3 | Rocket Mortgage, LLC | 355 | 6.5% | $6,110 | $2,640 | $2,302 |
| 4 | NFM, INC. | 327 | 6.625% | $9,024 | $4,415 | $3,188 |
| 5 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 278 | 6.625% | $8,831 | $4,084 | $3,292 |
| 6 | DIRECT MORTGAGE LOANS, LLC | 258 | 6.5% | $8,689 | $2,916 | $3,423 |
| 7 | LENNAR MORTGAGE, LLC | 156 | 6.375% | $8,601 | $1,825 | $4,670 |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 150 | 6.74% | $8,512 | $2,465 | $2,974 |
| 9 | First National Bank of Pennsylvania | 148 | 6.375% | $6,564 | $1,925 | $2,685 |
| 10 | Shore United Bank, N.A. | 138 | 6.375% | $7,780 | $1,155 | $1,102 |
| 11 | CMG MORTGAGE, INC. | 134 | 6.5% | $7,502 | $2,168 | $2,326 |
| 12 | MERIDIAN BANK | 133 | 6.5% | $6,524 | $1,614 | $1,068 |
| 13 | Towne Bank | 129 | 6.375% | $6,030 | $1,993 | $1,382 |
| 14 | Fairway Independent Mortgage Corporation | 108 | 6.625% | $8,519 | $1,795 | $2,699 |
| 15 | DAS Acquisition Company, LLC | 104 | 6.625% | $6,226 | $1,790 | $2,760 |
| 16 | Truist Bank | 92 | 6.375% | $5,970 | $1,445 | $1,876 |
| 17 | Bank of America, National Association | 89 | 6.125% | $4,068 | $1,361 | $2,914 |
| 18 | Manufacturers and Traders Trust Company | 89 | 6% | $5,298 | $1,500 | $1,385 |
| 19 | Prosperity Home Mortgage, LLC | 88 | 6.625% | $6,418 | $1,575 | $1,623 |
| 20 | Navy Federal Credit Union | 87 | 6.25% | $4,085 | $0 | $3,681 |
| 21 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 87 | 6.25% | $4,539 | $1,229 | $730 |
| 22 | NVR Mortgage Finance, Inc. | 82 | 6.5% | $10,292 | $3,833 | $6,946 |
| 23 | JPMorgan Chase Bank, National Association | 75 | 6.5% | $5,069 | $1,700 | $2,238 |
| 24 | Mortgage Research Center, LLC | 74 | 6.25% | $7,232 | $0 | $831 |
| 25 | GUILD MORTGAGE COMPANY | 66 | 6.5% | $9,411 | $2,184 | $3,423 |
| 26 | Atlantic Union Bank | 61 | 6.49% | $5,589 | $1,595 | $1,455 |
| 27 | GUARANTEED RATE AFFINITY, LLC | 59 | 6.425% | $5,613 | $1,640 | $2,384 |
| 28 | MOVEMENT MORTGAGE, LLC | 59 | 6.625% | $8,384 | $2,158 | $3,377 |
| 29 | Fulton Bank, National Association | 56 | 6.625% | $6,261 | $1,999 | $1,882 |
| 30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 53 | 6.625% | $5,377 | $1,525 | $2,790 |
| 31 | FIDELITY DIRECT MORTGAGE, LLC | 47 | 6.5% | $10,114 | $4,175 | $4,116 |
| 32 | OCMBC, INC. | 46 | 7.874% | $12,873 | $8,124 | $1,872 |
| 33 | Ameris Bank | 45 | 6.375% | $9,656 | $2,357 | $2,386 |
| 34 | ZILLOW HOME LOANS, LLC | 44 | 6.375% | $6,026 | $2,504 | $1,649 |
| 35 | SWBC MORTGAGE CORPORATION | 44 | 6.625% | $5,293 | $1,840 | $2,802 |
| 36 | BAY CAPITAL MORTGAGE CORPORATION | 44 | 6.5% | $7,670 | $2,357 | $1,942 |
| 37 | LOWER, LLC | 44 | 6.5% | $9,223 | $2,537 | $2,554 |
| 38 | EMBRACE HOME LOANS, INC. | 42 | 6.625% | $9,677 | $1,970 | $2,459 |
| 39 | PENNYMAC LOAN SERVICES, LLC | 42 | 6.25% | $10,092 | $1,800 | $2,296 |
| 40 | GUARANTEED RATE, INC. | 41 | 6.5% | $5,752 | $1,640 | $2,896 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Baltimore figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Baltimore County in 2025?
The median interest rate on closed home-purchase loans in Baltimore County, Maryland in 2025 was 6.5%, across 6,722 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.