Homebuyers in Carroll County County who chose NAVY FEDERAL CREDIT UNION paid $2,864 less in closing costs than the county median.
County Median Costs
$6,667
−14.7% vs Maryland ($7,815)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$2,120
Purchase Originations
1,611
Denial Rate
3.4%
vs Maryland avg (6.3%)
vs Maryland Median
14.7% below
$-1,148
vs National Median
0.2% below
$-13
38 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,803 | 6.438% | $0 | 18 | −$2,078 | |
| 2 | $4,555 | 6.750% | $1,888 | 11 | −$1,326 | |
| 3 | $4,708 | 6.000% | $1,500 | 11 | −$1,173 | |
| 4 | $4,836 | 6.624% | $1,299 | 12 | −$1,045 | |
| 5 | $4,852 | 6.400% | $1,250 | 23 | −$1,029 | |
| 6 | $4,936 | 6.000% | $1,240 | 17 | −$945 | |
| 7 | $4,962 | 6.125% | $1,639 | 15 | −$919 | |
| 8 | $4,988 | 6.125% | $1,675 | 16 | −$893 | |
| 9 | $5,134 | 6.562% | $2,073 | 14 | −$747 | |
| 10 | $5,139 | 6.750% | $1,640 | 11 | −$742 | |
| 11 | $5,158 | 6.750% | $2,117 | 13 | −$723 | |
| 12 | $5,158 | 6.750% | $1,840 | 25 | −$723 | |
| 13 | $5,285 | 6.500% | $1,700 | 33 | −$596 | |
| 14 | $5,285 | 6.625% | $1,965 | 23 | −$596 | |
| 15 | $5,315 | 6.500% | $1,593 | 15 | −$566 | |
| 16 | $5,330 | 6.750% | $1,355 | 21 | −$551 | |
| 17 | $5,366 | 6.500% | $2,525 | 82 | −$515 | |
| 18 | $5,476 | 6.531% | $1,745 | 24 | −$405 | |
| 19 | $5,906 | 6.812% | $1,762 | 12 | +$25 | |
| 20 | $6,110 | 6.500% | $1,640 | 12 | +$229 | |
| 21 | $6,191 | 6.562% | $3,094 | 36 | +$310 | |
| 22 | $6,229 | 6.500% | $2,342 | 10 | +$348 | |
| 23 | $6,231 | 6.625% | $2,898 | 11 | +$350 | |
| 24 | $6,278 | 6.625% | $2,543 | 17 | +$397 | |
| 25 | $6,479 | 6.550% | $2,761 | 60 | +$598 |
Includes lenders with 10+ purchase originations in Carroll County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Maryland → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.