Maryland Mortgage Rates and Refinance Rates

Maryland Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Maryland. Our rate table has a list of Maryland mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Maryland you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Maryland include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Maryland listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 21401, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.568
4.500
USD
Ally Bank Logo
NMLS # 181005
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $2,074
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.287
4.210
USD
Sol Mortgage Logo
at 0.100 pts
30 day lock rate
Est payment: $1,468.80
Fees in APR: $2,421
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.320
4.250
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,166
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.222
4.115
USD
Sebonic Financial Logo
NMLS # #66247 Cardinal Financial
State Lic # State Lic #6475
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,452.21
Fees in APR: $3,527
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.190
4.050
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.100 pts
45 day lock rate
Est payment: $1,440.91
Fees in APR: $4,687
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.521
4.375
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,100
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.468
4.375
USD
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $2,961
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.400
4.375
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 18536
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $895
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Capital Bank N.A.
Capital Bank N.A.
https://www.brimg.net/system/img/inst/8589_logo.gif
300000
Refinance
4.399
4.375
USD
Capital Bank N.A. Logo
NMLS # 401599
State Lic # 401599
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $863
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.659
4.625
USD
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,193
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.342
4.275
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.000 pts
45 day lock rate
Est payment: $1,480.21
Fees in APR: $2,370
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
4.359
4.335
USD
Sol Mortgage Logo
at 0.000 pts
30 day lock rate
Est payment: $1,490.79
Fees in APR: $860
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.500
4.500
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from LoanLock
LoanLock
https://www.brimg.net/system/img/inst/9948_logo.gif
300000
Refinance
4.375
4.375
USD
LoanLock Logo
at 0.000 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from JG Wentworth Home Lending
JG Wentworth Home Lending
https://www.brimg.net/system/img/inst/10054_logo.gif
300000
Refinance
4.499
4.490
USD
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 7487
at 0.000 pts
45 day lock rate
Est payment: $1,518.27
Fees in APR: $299
 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.371
4.365
USD
Sebonic Financial Logo
NMLS # #66247 Cardinal Financial
State Lic # State Lic #6475
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,496.09
Fees in APR: $230
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.639
4.625
USD
Ally Bank Logo
NMLS # 181005
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $488
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sol Mortgage
Sol Mortgage
https://www.brimg.net/system/img/inst/10262_logo.gif
300000
Refinance
9.565
9.125
USD
Sol Mortgage Logo
at 1.100 pts
30 day lock rate
Est payment: $2,440.90
Fees in APR: $8,034
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.410
4.250
USD
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $2,325
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.493
4.375
USD
Ally Bank Logo
NMLS # 181005
at 1.100 pts
30 day lock rate
Est payment: $1,497.86
Fees in APR: $842
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.100
3.900
USD
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 1.100 pts
45 day lock rate
Est payment: $1,415.00
Fees in APR: $3,845
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.158
3.990
USD
Sebonic Financial Logo
NMLS # #66247 Cardinal Financial
State Lic # State Lic #6475
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,430.52
Fees in APR: $2,708
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
4.689
4.625
USD
Citizens Bank, NA
4.689%
8/10/2018
4.625%
at 0.375 pts
60 day lock rate
Est payment: $1,542.42
Fees in APR: $1,108
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.561
4.500
USD
TD Bank, NA
4.561%
8/10/2018
4.500%
at 0.375 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $1,026
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
4.808
4.750
USD
Santander Bank, N.A.
4.808%
8/16/2018
4.750%
at 0.000 pts
60 day lock rate
Est payment: $1,564.94
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank
LincolnWay Community Bank
300000
Refinance
4.656
4.625
USD
LincolnWay Community Bank
4.656%
8/14/2018
4.625%
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,085
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
4.913
4.875
USD
Raymond James Bank, NA
4.913%
8/14/2018
4.875%
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $1,299
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Maryland Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Maryland. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Maryland mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Maryland mortgage loans that have been made. As a result, Maryland mortgage rates today are lower than jumbo interest rates in Maryland. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Maryland Super Conforming Home Loan Rates

Super conforming mortgages in Maryland are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Maryland Jumbo Loan Interest Rates

Maryland jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Maryland are usually 0.75 basis points higher than conforming mortgage rates in Maryland because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Maryland Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Maryland. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Maryland Adjustable Interest Rates

Maryland adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Maryland Interest Only Home Mortgage Rates

Maryland interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Maryland FHA Mortgage Mortgage Rates

Borrowers in Maryland must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Maryland are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


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Cities in Maryland

Abell

Aberdeen

Aberdeen Proving Ground

Abingdon

Accident

Accokeek

Adamstown

Allen

Andrews Air Force Base

Annapolis

Annapolis Junction

Aquasco

Arnold

Ashton

Avenue

Baldwin

Baltimore

Barclay

Barnesville

Barstow

Barton

Beallsville

Bel Air

Bel Air South

Bel Alton

Belcamp

Beltsville

Benedict

Benson

Berlin

Bethesda

Bethlehem

Betterton

Big Pool

Bishopville

Bittinger

Bivalve

Bladensburg

Bloomington

Boonsboro

Boring

Bowie

Boyds

Bozman

Braddock Heights

Brandywine

Brentwood

Brinklow

Brookeville

Brooklandville

Brooklyn

Broomes Island

Brownsville

Brunswick

Bryans Road

Bryantown

Buckeystown

Burkittsville

Burtonsville

Bushwood

Butler

Cabin John

California

Callaway

Cambridge

Capitol Heights

Cascade

Catonsville

Cavetown

Cecilton

Centreville

Chaptico

Charlestown

Charlotte Hall

Chase

Cheltenham

Chesapeake Beach

Chesapeake City

Chester

Chestertown

Chevy Chase

Chewsville

Childs

Church Creek

Church Hill

Churchton

Churchville

Claiborne

Clarksburg

Clarksville

Clear Spring

Clements

Clinton

Cobb Island

Cockeysville

College Park

Colora

Coltons Point

Columbia

Compton

Conowingo

Cooksville

Cordova

Corriganville

Crapo

Crisfield

Crocheron

Crofton

Crownsville

Crumpton

Cumberland

Curtis Bay

Damascus

Dameron

Darlington

Davidsonville

Dayton

Deal Island

Deale

Delmar

Denton

Derwood

Dickerson

District Heights

Dowell

Drayden

Dundalk

Dunkirk

Earleville

East New Market

Easton

Eckhart Mines

Eden

Edgewater

Edgewood

Elk Mills

Elkridge

Elkton

Ellerslie

Ellicott City

Emmitsburg

Essex

Ewell

Fairmount

Fairplay

Fallston

Faulkner

Federalsburg

Finksburg

Fishing Creek

Flintstone

Forest Hill

Fork

Fort George G Meade

Fort Howard

Fort Washington

Frederick

Freeland

Friendship

Friendsville

Frostburg

Fruitland

Fulton

Funkstown

Gaithersburg

Galena

Galesville

Gambrills

Gapland

Garrett Park

Garrison

Georgetown

Germantown

Gibson Island

Girdletree

Glen Arm

Glen Burnie

Glen Echo

Glenelg

Glenn Dale

Glenwood

Glyndon

Goldsboro

Grantsville

Grasonville

Great Mills

Greenbelt

Greensboro

Gunpowder

Gwynn Oak

Hagerstown

Halethorpe

Hampstead

Hancock

Hanover

Harmans

Harwood

Havre De Grace

Hebron

Helen

Henderson

Henryton

Highland

Hillsboro

Hollywood

Hughesville

Hunt Valley

Huntingtown

Hurlock

Hyattsville

Hydes

Ijamsville

Indian Head

Ingleside

Ironsides

Issue

Jarrettsville

Jefferson

Jessup

Joppa

Keedysville

Kennedyville

Kensington

Keymar

Kingsville

Kitzmiller

Knoxville

La Plata

Ladiesburg

Lanham

Laurel

Leonardtown

Lexington Park

Libertytown

Lineboro

Linkwood

Linthicum Heights

Linwood

Lisbon

Little Orleans

Lonaconing

Long Green

Lothian

Loveville

Luke

Lusby

Lutherville Timonium

Madison

Manchester

Manokin

Marbury

Mardela Springs

Marion Station

Marriottsville

Marydel

Maryland Line

Massey

Maugansville

Mayo

Mcdaniel

McHenry

Mechanicsville

Middle River

Middletown

Midland

Midlothian

Millersville

Millington

Monkton

Monrovia

Montgomery Village

Morganza

Mount Airy

Mount Rainier

Mount Savage

Mount Victoria

Myersville

Nanjemoy

Nanticoke

Neavitt

New Market

New Midway

New Windsor

Newark

Newburg

Newcomb

North Beach

North East

Nottingham

Oakland

Ocean City

Odenton

Oldtown

Olney

Owings

Owings Mills

Oxford

Oxon Hill

Park Hall

Parkton

Parkville

Parsonsburg

Pasadena

Patuxent River

Perry Hall

Perry Point

Perryman

Perryville

Phoenix

Pikesville

Piney Point

Pinto

Pittsville

Pocomoke City

Point Of Rocks

Pomfret

Poolesville

Port Deposit

Port Republic

Port Tobacco

Potomac

Powellville

Preston

Price

Prince Frederick

Princess Anne

Pylesville

Quantico

Queen Anne

Queenstown

Randallstown

Rawlings

Rehobeth

Reisterstown

Rhodesdale

Riderwood

Ridge

Ridgely

Rising Sun

Riva

Riverdale

Rock Hall

Rock Point

Rockville

Rocky Ridge

Rohrersville

Rosedale

Royal Oak

Sabillasville

Saint Inigoes

Saint James

Saint Leonard

Saint Marys City

Saint Michaels

Salisbury

Sandy Spring

Savage

Scotland

Secretary

Severn

Severna Park

Shady Side

Sharpsburg

Sharptown

Sherwood

Showell

Silver Spring

Simpsonville

Smithsburg

Snow Hill

Solomons

Southern Md Facility

Sparks Glencoe

Sparrows Point

Spencerville

Spring Gap

Stevenson

Stevensville

Still Pond

Stockton

Street

Suburb Maryland Fac

Sudlersville

Suitland

Sunderland

Swanton

Sykesville

Takoma Park

Tall Timbers

Taneytown

Taylors Island

Temple Hills

Templeville

Thurmont

Tilghman

Toddville

Towson

Tracys Landing

Trappe

Tuscarora

Tyaskin

Tylerton

Union Bridge

Unionville

Upper Fairmount

Upper Falls

Upper Marlboro

Upperco

Valley Lee

Vienna

Waldorf

Walkersville

Warwick

Washington Grove

Welcome

Wenona

West Friendship

West River

Westernport

Westminster

Westover

Whaleyville

White Hall

White Marsh

White Plains

Whiteford

Willards

Williamsport

Windsor Mill

Wingate

Wittman

Woodbine

Woodsboro

Woodstock

Woolford

Worton

Wye Mills