Who has the best mortgage rates in Maryland?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in MD
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in MD likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 58 lenders and found that these lenders are likely to offer you a high rate.
Lender | Lender fees |
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in MD
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Maryland’s housing market is becoming more enticing
The recent drop in interest rates in Maryland gives homebuyers a real opportunity to make the most of their home search, especially with the wide variety of options the state offers.
If you love the energy of city life, Baltimore is a great choice. The city’s real estate market is still affordable compared to other East Coast cities, so it’s a good place to find a deal. Plus, with lower interest rates, monthly payments are more manageable. Baltimore’s historic charm, vibrant arts scene, and great food make it a fun place to live.
Beyond Baltimore, Maryland has something for everyone. Cities like Columbia, Annapolis, and even suburbs near Washington, D.C. offer different lifestyles. Whether you’re after a quieter suburban setting, a place near the coast, or a family-friendly environment, Maryland has a variety of communities to choose from. While home prices tend to rise closer to D.C., the improving interest rates are making even these areas more accessible.
For first-time buyers, Maryland offers programs to help with down payments, closing costs, and even better loan terms. This makes it easier to get started on your homebuying journey without having to save up for years.
With its mix of city life, waterfront views, and suburban communities, Maryland is a great place for a variety of homebuyers. And with interest rates moving in the right direction, now’s a perfect time to find your new home in this exciting state.