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Lowest closing cost mortgage lenders in Frederick County County, Maryland

In Frederick County, Maryland, homebuyers paid a median of $7,440 in closing costs in 2024 — below the Maryland median of $7,916. The county saw 3,257 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, PENNYMAC LOAN SERVICES, LLC offered the lowest median costs at $3,488, which is $5,968 less than the county median.

Homebuyers in Frederick County County who chose PENNYMAC LOAN SERVICES, LLC paid $3,952 less in closing costs than the county median.

County Median Costs

$7,440

−6.0% vs Maryland ($7,916)

Median Rate

6.500%

−1.8% vs national (6.620%)

Median Origination

$2,572

Purchase Originations

3,257

vs Maryland Median

6.0% below

$-476

vs National Median

10.4% above

$699

Lender rankings in Frederick County County

62 lenders with 10+ originations, ranked by median total loan costs.

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$3,8966.375%$1,13420−$2,184
2$3,9345.875%$077−$2,146
3$4,0886.625%$055−$1,992
4$4,3076.875%$1,44021−$1,773
5$4,3716.500%$2,36812−$1,709
6$4,4116.125%$1,29511−$1,669
7$4,5836.625%$1,14510−$1,497
8$4,7806.500%$2,26622−$1,300
9$4,7836.375%$1,31216−$1,297
10$4,8136.875%$1,49511−$1,267
11$4,8196.500%$1,25024−$1,261
12$4,8786.125%$99518−$1,202
13$4,9916.490%$1,69031−$1,089
14$5,1027.033%$1,64012−$978
15$5,1416.490%$1,48654−$939
16$5,1986.500%$1,12515−$882
17$5,2566.875%$1,59522−$824
18$5,2566.562%$1,29534−$824
19$5,2886.990%$1,59729−$792
20$5,2966.688%$1,78812−$784
21$5,3286.625%$2,04015−$752
22$5,5296.875%$1,70020−$551
23$5,5356.625%$1,59827−$545
24$5,6226.500%$1,44917−$458
25$5,7066.875%$1,49013−$374
26$5,7366.375%$1,30030−$344
27$5,7826.625%$3,275160−$298
28$5,7856.812%$2,95722−$295
29$5,8706.990%$2,68423−$210
30$5,9336.875%$2,49240−$147
31$6,1986.625%$3,54823+$118
32$6,2126.550%$2,87742+$132
33$6,2166.625%$2,42613+$136
34$6,3706.625%$3,18422+$290
35$6,4186.625%$3,02560+$338
36$6,4846.562%$2,93216+$404
37$6,6006.500%$3,46139+$520
38$6,6306.500%$3,14856+$550
39$6,7416.750%$3,40039+$661
40$6,7426.875%$2,73827+$662
41$6,8006.875%$3,32845+$720
42$6,9077.125%$3,97532+$827
43$6,9146.495%$3,56320+$834
44$6,9286.625%$4,43023+$848
45$6,9586.625%$4,25049+$878
46$7,0846.625%$3,82644+$1,004
47$7,1976.875%$4,25050+$1,117
48$7,2456.750%$3,438161+$1,165
49$7,3856.875%$4,25712+$1,305
50$7,9186.812%$5,15710+$1,838
51$8,1546.990%$3,81020+$2,074
52$8,1856.625%$4,81215+$2,105
53$8,2756.490%$4,96757+$2,195
54$8,2786.438%$5,40216+$2,198
55$8,3906.990%$4,46111+$2,310
56$8,8306.875%$4,96162+$2,750
57$8,8336.500%$5,49252+$2,753
58$8,8856.625%$5,60265+$2,805
59$11,2846.490%$7,50111+$5,204
60$16,2106.990%$3,76716+$10,130

Includes lenders with 10+ purchase originations in Frederick County County. Source: HMDA 2024. Sorted by median total loan costs.

View detailed closing cost breakdowns and user reviews for lenders in Maryland → Lender Directory

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Data source: HMDA Modified Loan Application Register 2024, 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.