Maryland · Q1 2026
What Maryland borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 510 lenders.
Published 2026-04-29.
Maryland · headline
The gap between Maryland's lowest- and highest-cost ranked lenders in 2025 was $7,636 on a typical loan — borrowers using NVR Mortgage Finance, Inc. paid roughly 372% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=88,783)
In 2025, 510 mortgage lenders originated 88,783 reportable loans in Maryland according to FFIEC HMDA data. The median borrower paid $6,659 in total loan costs. That is 57.0% above the national median across all 50 states and DC.
Maryland's median total loan cost was $6,659, 57.0% above the national median of $4,242. On a typical loan, that translates to roughly $2,417 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,050, 69.2% below the Maryland median. Across the ranked lenders, 8 earned an A grade against peer averages and 3 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Maryland are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,088 | $3,000 | 9,283 | A |
| 2 | United Wholesale Mortgage | $9,234 | $4,720 | 5,488 | D |
| 3 | First Home Mortgage Corporation | $9,491 | $5,375 | 3,069 | D |
| 4 | Navy Federal Credit Union | $2,050 | $5,686 | 3,025 | A |
| 5 | Pennymac | $5,631 | $2,238 | 2,546 | A |
| 6 | NFM Lending | $8,522 | $3,600 | 2,163 | C |
| 7 | Freedom Mortgage | $7,678 | $4,390 | 2,114 | B |
| 8 | NVR Mortgage Finance, Inc. | $9,686 | $4,199 | 1,912 | D |
| 9 | Newrez | $5,544 | $2,518 | 1,608 | A |
| 10 | CrossCountry Mortgage | $8,882 | $3,487 | 1,536 | C |
Maryland median total loan cost
Maryland borrowers paid a median $6,659 in total loan costs in 2025, based on 88,783 HMDA-reported loans across 510 lenders.
FFIEC HMDA 2025
Lender spread in Maryland
In Maryland, the gap between Navy Federal Credit Union ($2,050 median) and NVR Mortgage Finance, Inc. ($9,686 median) was $7,636 on a typical 2025 loan.
FFIEC HMDA 2025
Maryland vs. national
Maryland closing costs ran 57.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Maryland was $2,389, with the typical lender clustering tightly around that figure. Discount points appeared on 54% of loans, with a median paid amount of $2,869 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 36% of loans, with a median credit of $563.
Avg $4,176
Median $2,869 when present
Median $563 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Maryland) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Maryland
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