Mortgage Rates Maryland (MD) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Maryland. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Maryland as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Cedar Point Federal Credit UnionCedar Point Federal Credit Union11100 Weymouth Ct, Charlotte Hall, MD, 20603A+5.0 ★Texas Ratio: 3.92% at 5.62%, First Financial of Maryland FCUFirst Financial of Maryland FCU1301 York Rd, Baltimore, MD, 21093 6035A+5.0 ★ at 5.62%, FedFinancial Federal Credit UnionFedFinancial Federal Credit Union10903 New Hampshire Ave, Silver Spring, MD, 20903 1058A+5.0 ★Texas Ratio: 2.03% at 5.50%, Municipal Employees Credit Union of Balt Credit UnionMunicipal Employees Credit Union of Balt Credit Union1 South St, Baltimore, MD, 21133 4706A5.0 ★Texas Ratio: 11.50% at 5.62%, and Jarrettsville Federal S&LJarrettsville Federal S&L3706 Norrisville Rd, Jarrettsville, MD, 21084A+5.0 ★Texas Ratio: 1.25% at 5.75%.
Mortgage rates in Maryland (MD) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Maryland borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Maryland Mortgage Rate Trends
Compare local Maryland mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — MD Avg
6.304%
▲ 0.219 from last week
For buyers in Maryland, the broader Maryland 30-year fixed average mortgage rate rose 0.219 points this week to 6.304%, according to MonitorBankRates trend data.
15-Year Fixed — MD Avg
5.677%
▼ 2.094 from last week
For buyers in Maryland, the broader Maryland 15-year fixed average mortgage rate fell 2.094 points this week to 5.677%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Maryland
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
30 Year Fixed Rate
5.62%
5.64%
▼
Rate5.62%
APR5.64%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
First Financial of Maryland FCU
Institution Rating:
A+5.0 ★
1301 York Rd, Baltimore, MD, 21093 6035
30 year Fixed-Rate Mortgages
30 year
5.62%
5.69%
▼
Rate5.62%
APR5.69%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
Conventional 30-Year Fixed Rate
5.50%
5.76%
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
30-year fixed rate
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD, 21084
30 Year Fixed
30
5.75%
5.84%
▼
Rate5.75%
APR5.84%
Points0.000
UpdatedMar 20, 2026
Details
20% Down
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5401 Old Court Rd, Baltimore, MD, 21133 5103
30-Year Fixed
30
5.62%
5.90%
▼
Rate5.62%
APR5.90%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Baltimore, MD, 21014 4170
30 Year Fixed
5.88%
5.96%
▼
Rate5.88%
APR5.96%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
30-year fixed rate
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
30 Year Fixed
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.125
UpdatedMar 17, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD, 20774 3703
30-year fixed
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD, 20740
30 Year Fixed
5.88%
6.01%
▼
Rate5.88%
APR6.01%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
30 Year Fixed (HomeReady®)*
6.00%
6.03%
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
133 N Bridge St, Aberdeen, MD, 21001
30 Year Fixed
5.88%
6.04%
▼
Rate5.88%
APR6.04%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Tidemark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1305 S Salisbury Blvd, Salisbury, MD, 21801 2139
30-year fixed rate
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
32 W Pennsylvania Ave, Towson, MD, 21204
30-Year Fixed
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.49%
1514 Woodlawn Dr, Baltimore, MD, 21117 3604
30-Year Fixed
5.75%
6.08%
▼
Rate5.75%
APR6.08%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
USDA 30 Year Fixed
5.75%
6.29%
▼
Rate5.75%
APR6.29%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
10113 River Rd, Bethesda, MD, 20814
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Newport Dr, Abingdon, MD, 20603
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
10113 River Rd, Bethesda, MD, 20814
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD, 20770 1426
30 Year fixed
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2661 Riva Rd, Annapolis, MD, 21061
30 Year Fixed
6.88%
7.09%
▼
Rate6.88%
APR7.09%
Points1.000
UpdatedMar 17, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD, 20740
30 Year Fixed 100%
7.62%
7.77%
▼
Rate7.62%
APR7.77%
Points1.000
UpdatedMar 11, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Destinations Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5401 Old Court Rd, Baltimore, MD, 21133 5103
15-Year Fixed
15
5.00%
5.13%
▼
Rate5.00%
APR5.13%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
15-year fixed rate
5.00%
5.33%
▼
Rate5.00%
APR5.33%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Harford Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
133 N Bridge St, Aberdeen, MD, 21001
15 Year Fixed
5.12%
5.36%
▼
Rate5.12%
APR5.36%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Baltimore, MD, 21014 4170
15 Year Fixed
5.25%
5.39%
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
15-year fixed rate
5.25%
5.43%
▼
Rate5.25%
APR5.43%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
Conventional 15-Year Fixed Rate
5.05%
5.49%
▼
Rate5.05%
APR5.49%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD, 21084
15 Year Fixed
15
5.38%
5.53%
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedMar 20, 2026
Details
20% Down
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD, 20740
15 Year Fixed
5.38%
5.58%
▼
Rate5.38%
APR5.58%
Points0.875
UpdatedMar 11, 2026
Details
No additional details available.
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
32 W Pennsylvania Ave, Towson, MD, 21204
15-Year Fixed
5.50%
5.60%
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
15 Year Fixed
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Newport Dr, Abingdon, MD, 20603
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
10113 River Rd, Bethesda, MD, 20814
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
10113 River Rd, Bethesda, MD, 20814
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
15 Year Fixed
5.75%
5.80%
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Securityplus Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.49%
1514 Woodlawn Dr, Baltimore, MD, 21117 3604
15-Year Fixed
5.50%
5.90%
▼
Rate5.50%
APR5.90%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD, 20770 1426
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
15 Year Fixed Rate
8.50%
8.54%
▼
Rate8.50%
APR8.54%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1024 Saint Nicholas Dr, Waldorf, MD, 20603
3/1 ARM
30
5.00%
5.04%
▼
Rate5.00%
APR5.04%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
7 Year ARM
5.75%
5.09%
▼
Rate5.75%
APR5.09%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD, 20774 3703
5/1 ARM
5.00%
5.12%
▼
Rate5.00%
APR5.12%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3015 University Blvd W, Kensington, MD, 20774 3703
7/1 ARM
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
5/1 ARM (adjustable rate)
5.00%
5.41%
▼
Rate5.00%
APR5.41%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
7/1 ARM (adjustable rate)
5.12%
5.42%
▼
Rate5.12%
APR5.42%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
3/1 ARM (adjustable rate)
4.88%
5.45%
▼
Rate4.88%
APR5.45%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Municipal Employees Credit Union of Balt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
1 South St, Baltimore, MD, 21133 4706
10/1 ARM (adjustable rate)
5.38%
5.52%
▼
Rate5.38%
APR5.52%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
5 Year Adjustable (ARM)
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
7 Year Adjustable (ARM)
5.62%
5.70%
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD, 21084
Fixed Rate Construction/Perm Loans 15 Year Fixed Rate
15
5.38%
5.71%
▼
Rate5.38%
APR5.71%
Points0.750
UpdatedMar 20, 2026
Details
20% Down
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 5 Year Adjustable (ARM)
5.75%
5.76%
▼
Rate5.75%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 7 Year Adjustable (ARM)
5.75%
5.76%
▼
Rate5.75%
APR5.76%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD, 20770 1426
5/5 Adjustable Rate
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
5 Year ARM
5.00%
5.79%
▼
Rate5.00%
APR5.79%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
5 Year ARM
5.25%
5.79%
▼
Rate5.25%
APR5.79%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
7 Year ARM
5.50%
5.85%
▼
Rate5.50%
APR5.85%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
Jumbo 7/1 ARM
5.25%
5.85%
▼
Rate5.25%
APR5.85%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
Jumbo 5/1 ARM
5.00%
5.88%
▼
Rate5.00%
APR5.88%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
7/1 ARM
5.25%
5.90%
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
3 Year ARM
5.00%
5.92%
▼
Rate5.00%
APR5.92%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
7/6 Adjustable Rate Mortgage
5.12%
5.93%
▼
Rate5.12%
APR5.93%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
5/1 ARM
5.00%
5.93%
▼
Rate5.00%
APR5.93%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
3 Year ARM
4.75%
5.94%
▼
Rate4.75%
APR5.94%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Jarrettsville Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3706 Norrisville Rd, Jarrettsville, MD, 21084
Fixed Rate Construction/Perm Loans 30 Year Fixed Rate
30
5.75%
5.95%
▼
Rate5.75%
APR5.95%
Points0.750
UpdatedMar 20, 2026
Details
20% Down
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
5 Year ARM Jumbo
5.25%
5.99%
▼
Rate5.25%
APR5.99%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
5 Year ARM Jumbo
5.50%
5.99%
▼
Rate5.50%
APR5.99%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2661 Riva Rd, Annapolis, MD, 21061
Conforming 5/1 ARM years 1-5*
6.00%
6.04%
▼
Rate6.00%
APR6.04%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
7 Year ARM Jumbo
5.75%
6.05%
▼
Rate5.75%
APR6.05%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
7 Year ARM Jumbo
6.00%
6.09%
▼
Rate6.00%
APR6.09%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First Shore Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
106 S Division St, Berlin, MD, 21801
5/1 Yr. ARM
30
5.25%
6.10%
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2661 Riva Rd, Annapolis, MD, 21061
Conforming 7/1 ARM years 1-7*
6.12%
6.11%
▼
Rate6.12%
APR6.11%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
3 Year ARM Jumbo
5.25%
6.12%
▼
Rate5.25%
APR6.12%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Baltimore, MD, 21014 4170
7/1 Adjustable Rate
5.25%
6.12%
▼
Rate5.25%
APR6.12%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD, 21205 2222
10 year Adjustable Rate Mortgages
10 year
5.62%
6.13%
▼
Rate5.62%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 10 Year Adjustable (ARM)
6.12%
6.14%
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
3 Year ARM Jumbo
5.00%
6.15%
▼
Rate5.00%
APR6.15%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD, 21205 2222
7 year Adjustable Rate Mortgages
7 year
5.38%
6.17%
▼
Rate5.38%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
10 Year Adjustable (ARM)
6.12%
6.21%
▼
Rate6.12%
APR6.21%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Point Breeze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
10110 Reisterstown Rd, Baltimore, MD, 21014 4170
5/1 Adjustable Rate
5.00%
6.21%
▼
Rate5.00%
APR6.21%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Johns Hopkins Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1501 S Clinton St Ste 1200, Baltimore, MD, 21205 2222
5 year Adjustable Rate Mortgages
5 year
5.12%
6.23%
▼
Rate5.12%
APR6.23%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Newport Dr, Abingdon, MD, 20603
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1580B W Nursery Rd, Linthicum, MD, 21090
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
1 Year ARM Jumbo
5.12%
6.37%
▼
Rate5.12%
APR6.37%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo
5.38%
5.57%
▼
Rate5.38%
APR5.57%
Points0.750
UpdatedMar 15, 2026
Details
As Low As
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
Jumbo 15 Year Fixed
5.50%
5.64%
▼
Rate5.50%
APR5.64%
Points0.375
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.750
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 10 Year Fixed
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo
5.50%
5.66%
▼
Rate5.50%
APR5.66%
Points0.375
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
10 Year Jumbo
5.62%
5.68%
▼
Rate5.62%
APR5.68%
Points0.125
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo
5.62%
5.74%
▼
Rate5.62%
APR5.74%
Points0.375
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
15 Year Jumbo
5.75%
5.79%
▼
Rate5.75%
APR5.79%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 20 Year Fixed
5.88%
5.89%
▼
Rate5.88%
APR5.89%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 15 Year Fixed
5.88%
5.90%
▼
Rate5.88%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd, Rockville, MD, 20850
Jumbo Loan
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
Jumbo 30 Year Fixed
6.00%
6.08%
▼
Rate6.00%
APR6.08%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1801 Research Blvd, Rockville, MD, 20850
Jumbo Loans 30 Year Fixed
6.12%
6.14%
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
5260 Western Ave, Chevy Chase, MD, 20815
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
30 Year Jumbo
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points1.000
UpdatedMar 15, 2026
Details
As Low As
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2661 Riva Rd, Annapolis, MD, 21061
Jumbo Fixed 15 Year Fixed
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
30 Year Jumbo
6.25%
6.32%
▼
Rate6.25%
APR6.32%
Points0.500
UpdatedMar 15, 2026
Details
As Low As
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
1077 State Route 3 N, Annapolis, MD, 20701
30 Year Jumbo
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Arundel Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2661 Riva Rd, Annapolis, MD, 21061
Jumbo Fixed 30 Year Fixed
6.38%
6.41%
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD, 21001 2281
Jumbo 30 Year Fixed
6.88%
6.90%
▼
Rate6.88%
APR6.90%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
FedFinancial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
10903 New Hampshire Ave, Silver Spring, MD, 20903 1058
FHA 30-Year Fixed Rate
5.08%
5.50%
▼
Rate5.08%
APR5.50%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
10025 Baltimore National Pike, Annapolis, MD, 20740
FHA 30 Year Fixed
5.62%
5.91%
▼
Rate5.62%
APR5.91%
Points0.875
UpdatedMar 11, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd, Rockville, MD, 20850
FHA Loan
5.38%
6.26%
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details
As Low As; Rates as low as 5.375% (6.265% APR)
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD, 20770 1426
FHA 30 Year Fixed
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
FHA 30 Year Fixed
5.75%
6.54%
▼
Rate5.75%
APR6.54%
Points-0.250
UpdatedMar 17, 2026
Details
No additional details available.
Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
32 W Pennsylvania Ave, Towson, MD, 21204
30-Year FHA Fixed
5.88%
6.72%
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD, 21001 2281
FHA 30 Year Fixed
5.99%
6.82%
▼
Rate5.99%
APR6.82%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Commerce Dr, Accokeek, MD, 20601
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
805 King Farm Blvd, Rockville, MD, 20850
VA Loan
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Newport Dr, Abingdon, MD, 20603
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
6404 Ivy Ln Ste 510, Greenbelt, MD, 20770 1426
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Cedar Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
11100 Weymouth Ct, Charlotte Hall, MD, 20603
Federal VA 30 Year Fixed Rate
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Aberdeen Proving Ground FCU
Institution Rating:
A+5.0 ★
1 Seahawk Dr, Aberdeen, MD, 21001 1733
VA 30 Year Fixed
5.75%
6.18%
▼
Rate5.75%
APR6.18%
Points0.375
UpdatedMar 17, 2026
Details
No additional details available.
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
1028 Middleton Rd, Aberdeen, MD, 21001 2281
VA 30 Year Fixed
5.99%
6.31%
▼
Rate5.99%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
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Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Maryland directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Maryland. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MD.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Maryland
How does my credit score affect my rate in Maryland?
Your credit score is a major factor. Generally, borrowers in Maryland with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Maryland because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Maryland?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Maryland, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Maryland, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Maryland?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Maryland, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Maryland?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Maryland offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Maryland?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Maryland?
- Cedar Point Federal Credit Union: 5.62% (30 Year Fixed Rate)
- First Financial of Maryland FCU: 5.62% (30 year Fixed-Rate Mortgages)
- FedFinancial Federal Credit Union: 5.50% (Conventional 30-Year Fixed Rate)
- Municipal Employees Credit Union of Balt Credit Union: 5.62% (30-year fixed rate)
- Jarrettsville Federal S&L: 5.75% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Maryland borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Maryland
