Lowest closing cost mortgage lenders in Montgomery County County, Maryland
In Montgomery County, Maryland, homebuyers paid a median of $6,638 in closing costs in 2024 — below the Maryland median of $7,916. The county saw 7,674 purchase mortgages at a median rate of 6.60%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $778, which is $5,448 less than the county median.
Homebuyers in Montgomery County County who chose PULTE MORTGAGE LLC paid $5,860 less in closing costs than the county median.
County Median Costs
$6,638
−16.1% vs Maryland ($7,916)
Median Rate
6.600%
−0.3% vs national (6.620%)
Median Origination
$1,945
Purchase Originations
7,674
vs Maryland Median
16.1% below
$-1,278
vs National Median
1.5% below
$-103
Lender rankings in Montgomery County County
105 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $778 | 6.625% | $0 | 120 | −$5,448 | |
| 2 | $2,746 | 6.562% | $800 | 10 | −$3,480 | |
| 3 | $2,929 | 6.625% | $160 | 17 | −$3,297 | |
| 4 | $3,085 | 6.375% | $1,102 | 18 | −$3,141 | |
| 5 | $3,898 | 6.625% | $0 | 13 | −$2,328 | |
| 6 | $4,123 | 6.250% | $0 | 114 | −$2,103 | |
| 7 | $4,555 | 6.375% | $250 | 21 | −$1,671 | |
| 8 | $4,702 | 6.375% | $1,125 | 74 | −$1,524 | |
| 9 | $4,792 | 6.562% | $950 | 54 | −$1,434 | |
| 10 | $4,830 | 6.750% | $1,355 | 20 | −$1,396 | |
| 11 | $5,129 | 6.500% | $414 | 17 | −$1,097 | |
| 12 | $5,180 | 6.000% | $650 | 74 | −$1,046 | |
| 13 | $5,189 | 6.625% | $1,525 | 24 | −$1,037 | |
| 14 | $5,196 | 5.938% | $1,767 | 12 | −$1,030 | |
| 15 | $5,199 | 6.500% | $1,690 | 236 | −$1,027 | |
| 16 | $5,228 | 6.875% | $1,295 | 34 | −$998 | |
| 17 | $5,239 | 6.500% | $1,370 | 27 | −$987 | |
| 18 | $5,266 | 6.000% | $825 | 41 | −$960 | |
| 19 | $5,356 | 6.625% | $1,690 | 137 | −$870 | |
| 20 | $5,460 | 5.812% | $1,295 | 20 | −$766 | |
| 21 | $5,574 | 6.490% | $1,250 | 298 | −$652 | |
| 22 | $5,577 | 6.438% | $1,220 | 38 | −$649 | |
| 23 | $5,656 | 6.625% | $1,490 | 173 | −$570 | |
| 24 | $5,715 | 6.625% | $3,225 | 354 | −$511 | |
| 25 | $5,721 | 6.625% | $1,598 | 132 | −$505 | |
| 26 | $5,724 | 6.625% | $995 | 51 | −$502 | |
| 27 | $5,758 | 6.875% | $2,532 | 18 | −$468 | |
| 28 | $5,759 | 6.625% | $1,770 | 41 | −$467 | |
| 29 | $5,769 | 6.250% | $995 | 61 | −$457 | |
| 30 | $5,773 | 6.490% | $1,300 | 80 | −$453 | |
| 31 | $5,801 | 5.625% | $2,188 | 21 | −$425 | |
| 32 | $5,877 | 6.825% | $1,640 | 26 | −$349 | |
| 33 | $5,886 | 6.625% | $1,476 | 13 | −$340 | |
| 34 | $5,904 | 6.990% | $3,534 | 28 | −$322 | |
| 35 | $5,920 | 6.500% | $2,582 | 130 | −$306 | |
| 36 | $5,984 | 6.925% | $1,640 | 24 | −$242 | |
| 37 | $5,993 | 6.250% | $1,250 | 138 | −$233 | |
| 38 | $6,006 | 6.750% | $1,477 | 92 | −$220 | |
| 39 | $6,027 | 6.562% | $1,490 | 10 | −$199 | |
| 40 | $6,127 | 6.625% | $1,490 | 198 | −$99 | |
| 41 | $6,139 | 6.625% | $1,595 | 54 | −$87 | |
| 42 | $6,145 | 6.375% | $1,185 | 89 | −$81 | |
| 43 | $6,148 | 6.875% | $2,225 | 77 | −$78 | |
| 44 | $6,164 | 6.688% | $2,399 | 10 | −$62 | |
| 45 | $6,184 | 6.625% | $2,103 | 120 | −$42 | |
| 46 | $6,215 | 6.562% | $2,552 | 20 | −$11 | |
| 47 | $6,232 | 6.625% | $1,982 | 20 | +$6 | |
| 48 | $6,245 | 6.250% | $1,611 | 93 | +$19 | |
| 49 | $6,252 | 6.875% | $1,790 | 95 | +$26 | |
| 50 | $6,259 | 6.625% | $2,239 | 10 | +$33 | |
| 51 | $6,296 | 6.625% | $1,640 | 96 | +$70 | |
| 52 | $6,486 | 6.000% | $815 | 59 | +$260 | |
| 53 | $6,514 | 6.875% | $2,066 | 146 | +$288 | |
| 54 | $6,521 | 6.933% | $2,145 | 26 | +$295 | |
| 55 | $6,543 | 6.875% | $2,752 | 69 | +$317 | |
| 56 | $6,551 | 6.625% | $3,131 | 44 | +$325 | |
| 57 | $6,638 | 6.625% | $2,414 | 269 | +$412 | |
| 58 | $6,646 | 6.625% | $1,600 | 43 | +$420 | |
| 59 | $6,688 | 6.500% | $3,456 | 20 | +$462 | |
| 60 | $6,711 | 6.375% | $2,294 | 65 | +$485 | |
| 61 | $6,813 | 6.625% | $2,834 | 27 | +$587 | |
| 62 | $6,910 | 6.250% | $500 | 97 | +$684 | |
| 63 | $6,948 | 6.875% | $2,257 | 42 | +$722 | |
| 64 | $6,997 | 6.625% | $1,449 | 34 | +$771 | |
| 65 | $7,123 | 6.500% | $1,250 | 10 | +$897 | |
| 66 | $7,223 | 6.500% | $3,431 | 64 | +$997 | |
| 67 | $7,230 | 5.875% | $3,000 | 29 | +$1,004 | |
| 68 | $7,230 | 6.250% | $550 | 11 | +$1,004 | |
| 69 | $7,234 | 6.562% | $3,976 | 28 | +$1,008 | |
| 70 | $7,248 | 6.875% | $3,576 | 66 | +$1,022 | |
| 71 | $7,309 | 6.812% | $3,898 | 236 | +$1,083 | |
| 72 | $7,309 | 6.875% | $3,285 | 28 | +$1,083 | |
| 73 | $7,384 | 7.000% | $3,858 | 12 | +$1,158 | |
| 74 | $7,554 | 6.750% | $2,080 | 39 | +$1,328 | |
| 75 | $7,673 | 6.625% | $3,516 | 61 | +$1,447 | |
| 76 | $7,682 | 6.624% | $4,213 | 48 | +$1,456 | |
| 77 | $7,874 | 6.875% | $3,891 | 20 | +$1,648 | |
| 78 | $8,085 | 6.750% | $2,445 | 10 | +$1,859 | |
| 79 | $8,178 | 6.625% | $4,905 | 283 | +$1,952 | |
| 80 | $8,208 | 6.625% | $5,320 | 18 | +$1,982 | |
| 81 | $8,411 | 7.500% | $4,090 | 15 | +$2,185 | |
| 82 | $8,584 | 6.875% | $4,681 | 13 | +$2,358 | |
| 83 | $8,654 | 6.125% | $5,133 | 15 | +$2,428 | |
| 84 | $8,829 | 6.625% | $5,770 | 17 | +$2,603 | |
| 85 | $8,928 | 6.500% | $2,890 | 27 | +$2,702 | |
| 86 | $9,093 | 6.808% | $5,833 | 14 | +$2,867 | |
| 87 | $9,192 | 6.500% | $1,508 | 54 | +$2,966 | |
| 88 | $9,232 | 6.750% | $5,398 | 20 | +$3,006 | |
| 89 | $9,527 | 6.688% | $5,525 | 22 | +$3,301 | |
| 90 | $9,648 | 6.625% | $6,301 | 18 | +$3,422 | |
| 91 | $9,850 | 6.375% | $6,584 | 30 | +$3,624 | |
| 92 | $9,916 | 6.558% | $5,795 | 10 | +$3,690 | |
| 93 | $10,018 | 6.750% | $6,631 | 30 | +$3,792 | |
| 94 | $10,222 | 7.058% | $6,463 | 16 | +$3,996 | |
| 95 | $10,343 | 6.562% | $6,450 | 20 | +$4,117 | |
| 96 | $11,159 | 6.500% | $5,453 | 40 | +$4,933 | |
| 97 | $11,349 | 6.875% | $7,645 | 12 | +$5,123 | |
| 98 | $12,582 | 6.750% | $5,624 | 23 | +$6,356 | |
| 99 | $14,239 | 7.558% | $11,038 | 26 | +$8,013 | |
| 100 | $14,702 | 7.375% | $11,230 | 11 | +$8,476 | |
| 101 | $14,996 | 9.370% | $11,988 | 42 | +$8,770 | |
| 102 | $18,940 | 6.500% | $4,495 | 41 | +$12,714 | |
| 103 | $20,046 | 8.187% | $16,336 | 18 | +$13,820 |
Includes lenders with 10+ purchase originations in Montgomery 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.