Lowest closing cost mortgage lenders in St. Mary's County County, Maryland
In St. Mary's County, Maryland, homebuyers paid a median of $8,768 in closing costs in 2024 — above the Maryland median of $7,916. The county saw 1,234 purchase mortgages at a median rate of 6.49%. Among lenders with 10+ originations, NAVY FEDERAL CREDIT UNION offered the lowest median costs at $3,391, which is $3,321 less than the county median.
Homebuyers in St. Mary's County County who chose NAVY FEDERAL CREDIT UNION paid $5,377 less in closing costs than the county median.
County Median Costs
$8,768
+10.8% vs Maryland ($7,916)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,518
Purchase Originations
1,234
vs Maryland Median
10.8% above
$852
vs National Median
30.1% above
$2,027
Lender rankings in St. Mary's County County
16 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,391 | 6.625% | $0 | 41 | −$3,321 | |
| 2 | $4,913 | 6.624% | $2,434 | 11 | −$1,799 | |
| 3 | $4,986 | 6.625% | $2,155 | 29 | −$1,726 | |
| 4 | $5,978 | 6.624% | $3,750 | 15 | −$734 | |
| 5 | $6,134 | 6.500% | $2,140 | 23 | −$578 | |
| 6 | $6,153 | 6.625% | $3,722 | 20 | −$559 | |
| 7 | $6,232 | 6.500% | $3,029 | 34 | −$480 | |
| 8 | $6,708 | 6.625% | $3,539 | 11 | −$4 | |
| 9 | $7,418 | 6.500% | $4,035 | 15 | +$706 | |
| 10 | $8,512 | 6.990% | $5,215 | 13 | +$1,800 | |
| 11 | $8,951 | 6.625% | $5,662 | 13 | +$2,239 | |
| 12 | $9,161 | 6.625% | $5,391 | 101 | +$2,449 |
Includes lenders with 10+ purchase originations in St. Mary's 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.