CUMBERLAND Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Cumberland averaged 6.7% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.71% and one month ago for the week of 2025-02-27, the average rate was 6.62%.

    Cumberland's average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.64%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Cumberland 30 Year Fixed Rate 2025-04-03 6.7%
    Cumberland 30 Year Fixed Rate Refi 2025-04-03 6.64%
    Cumberland 15 Year Fixed Rate 2025-04-03 5.72%
    Cumberland 15 Year Fixed Rate Refi 2025-04-03 5.92%
    Cumberland 30 Year FHA 2025-04-03 6.32%
    Cumberland 30 Year FHA Refi 2025-04-03 6.16%
    Cumberland 30 Year USDA 2025-04-03 6.38%
    Cumberland 30 Year USDA Refi 2025-04-03 6.32%
    Cumberland 30 Year VA 2025-04-03 6.47%
    Cumberland 30 Year VA Refi 2025-04-03 5.86%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CUMBERLAND, MD-WV.

    CUMBERLAND Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CUMBERLAND, MD-WV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION 90 5.97% $3,396
    Alcova Mortgage LLC 50 7.02% $4,317
    QUICKEN LOANS, LLC 33 6.87% $5,433
    CHESSIE 29 6.45% $3,100
    MILLENNIUM FINANCIAL GROUP, INC. 21 6.46% $4,719
    STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 11 6.56% $3,930
    Truist 11 6.62% $3,432
    C & F Mortgage Corporation 9 6.46% $6,070
    M&T Bank 8 6.61% $5,013
    NAVY FEDERAL CREDIT UNION 7 6.52% $4,664
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 6 6.13% $3,959
    UNION HOME MORTGAGE CORP. 6 6.56% $3,642
    Mr. Cooper ( Nationstar Mortgage ) 6 6.66% $5,745
    UNITED WHOLESALE MORTGAGE, LLC 6 6.98% $5,087
    FIRST COLONY MORTGAGE CORPORATION 5 6.60% $4,137
    TIDEWATER MORTGAGE SERVICES, INC. 5 6.58% $4,258
    PNC Bank 4 6.84% $3,759
    BROKER SOLUTIONS, INC. 4 7.13% $4,278
    FIRST HOME MORTGAGE CORPORATION 4 6.78% $7,608
    Integrity Home Mortgage Corp 4 6.84% $5,334
    ROYAL UNITED MORTGAGE LLC 4 7.19% $5,009
    Clear Mountain Bank 3 7.00% $3,956
    NEWREZ LLC 3 6.79% $6,535
    Mortgage Research Center, LLC 3 7.37% $2,552
    FREEDOM MORTGAGE CORPORATION 3 6.79% $4,438
    USAA Federal Savings Bank 3 6.38% $4,038
    JPMorgan Chase Bank 2 6.93% $2,596
    ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 2 6.00% $3,664
    Atlantic Coast Mortgage, LLC 2 6.88% $3,564
    NFM, INC. 2 6.38% $6,010
    Prosperity Home Mortgage, LLC 2 7.81% $6,839
    FIRST SAVINGS MORTGAGE CORPORATION 2 6.94% $4,024
    GUARANTEED RATE, INC. 2 6.73% $3,481
    Bank of America 2 7.50% $6,993
    DIRECT MORTGAGE LOANS, LLC 2 7.25% $5,819
    Ally Bank 2 6.25% $8,064
    INTERCOASTAL MORTGAGE COMPANY 2 6.57% $3,433
    ENVOY MORTGAGE, LTD 2 6.38% $12,852
    Summit Community Bank, Inc. 1 8.03% $2,734
    United Bank 1 6.63% $3,814
    U.S. Bank 1 6.38% $3,555
    Wells Fargo Bank 1 6.75% $3,069
    York Traditions Bank 1 6.00% $5,831
    21ST MORTGAGE CORPORATION 1 7.64% $4,668
    ZILLOW HOME LOANS, LLC 1 7.00% $4,707
    AMERICAN FINANCIAL NETWORK, INC. 1 7.63% $4,912
    AMERICAN FINANCING CORPORATION 1 5.88% $9,044
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.38% $6,856
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.38% $6,332
    Atlantic Union Bank 1 6.50% $3,615
    BAY EQUITY LLC 1 5.99% $4,654
    Burke & Herbert Bank & Trust Company 1 6.69% $3,457
    Citizens Bank 1 6.88% $20,760
    CMG MORTGAGE, INC. 1 6.63% $7,188
    CROSSCOUNTRY MORTGAGE, LLC 1 7.45% $3,519
    Dollar Bank, Federal Savings Bank 1 6.99% $3,566
    Equity Prime Mortgage LLC 1 7.63% $4,044
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.88% $7,772
    Farm Credit of the Virginias, ACA 1 8.75% $2,437
    Farmers and Merchants Trust Company of Chambersburg 1 6.50% $3,330
    Farmers Bank & Trust 1 6.13% $2,623
    FIDELITY DIRECT MORTGAGE, LLC 1 6.88% $3,892
    FIRST FINANCIAL OF MARYLAND 1 5.50% $3,246
    Flagstar Bank, FSB 1 7.59% $3,656
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 7.13% $6,155
    HOMESIDE FINANCIAL, LLC 1 7.13% $9,335
    HOMESPIRE MORTGAGE CORPORATION 1 6.75% $6,721
    MEMBERS 1ST FEDERAL CREDIT UNION 1 6.63% $3,305
    MORTGAGE EQUITY PARTNERS LLC 1 6.63% $4,407
    MOVEMENT MORTGAGE, LLC 1 6.56% $3,656
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $7,854
    NASA Federal Credit Union 1 5.88% $4,453
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $8,217
    Northwest Federal Credit Union 1 6.88% $3,930
    PENNYMAC LOAN SERVICES, LLC 1 6.50% $6,808
    PENTAGON FEDERAL CREDIT UNION 1 6.88% $3,414
    Plains Commerce Bank 1 6.99% $5,280
    Quontic Bank 1 8.75% $9,431
    RADIUS FINANCIAL GROUP INC. 1 6.63% $4,720
    Sandy Spring Bank 1 7.25% $4,070
    Servion, Inc. 1 6.38% $3,425
    Stifel Bank and Trust 1 6.13% $1,166

    CUMBERLAND Average Closing Costs & Other Stats

    CUMBERLAND, MD-WV's 82 lenders originated 1,394 loans during 2024. The total origination value was $204,280,000, with an average loan value of $146,542.

    CUMBERLAND's average closing costs are $4,428.

    The top CUMBERLAND lender as defined by loan originations is FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION, with 90 loans originated. Their average total fees are $3,396, which is $921 lower than the next largest lender, Alcova Mortgage LLC.

    The lowest fee CUMBERLAND lenders (with over 10 loans originated) are CHESSIE ($3,100), FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION ($3,396), Truist ($3,432), STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED ($3,930) and Alcova Mortgage LLC ($4,317).

    The lowest rate CUMBERLAND lenders (with over 10 loans originated) are FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION (5.97%), CHESSIE (6.45%), MILLENNIUM FINANCIAL GROUP, INC. (6.46%), STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED (6.56%) and Truist (6.62%).

    CUMBERLAND, MD-WV Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Alcova Mortgage LLC $11,425,000 $25,280,000 121.3% 12.4%
    FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $26,255,000 $21,530,000 -18.0% 10.5%
    CHESSIE $8,560,000 $13,525,000 58.0% 6.6%
    QUICKEN LOANS, LLC $10,125,000 $11,185,000 10.5% 5.5%
    First United Corporation $11,070,000 $10,390,000 -6.1% 5.1%
    Mortgage Research Center, LLC $5,790,000 $8,455,000 46.0% 4.1%
    C & F Mortgage Corporation $7,940,000 $7,025,000 -11.5% 3.4%
    MILLENNIUM FINANCIAL GROUP, INC. $3,625,000 $6,815,000 88.0% 3.3%
    M&T Bank $7,060,000 $5,710,000 -19.1% 2.8%
    Truist $5,885,000 $5,155,000 -12.4% 2.5%
    FREEDOM MORTGAGE CORPORATION $3,150,000 $4,830,000 53.3% 2.4%
    UNITED WHOLESALE MORTGAGE, LLC $1,685,000 $3,980,000 136.2% 1.9%
    STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED $2,645,000 $3,815,000 44.2% 1.9%
    WEPCO Federal Credit Union $2,225,000 $3,415,000 53.5% 1.7%
    NAVY FEDERAL CREDIT UNION $1,485,000 $2,845,000 91.6% 1.4%
    FIRST COLONY MORTGAGE CORPORATION $430,000 $2,665,000 519.8% 1.3%
    ENVOY MORTGAGE, LTD $2,630,000 n/a 1.3%
    TIDEWATER MORTGAGE SERVICES, INC. $3,370,000 $2,440,000 -27.6% 1.2%
    ACT 1ST FCU $1,520,000 $2,380,000 56.6% 1.2%
    PENNYMAC LOAN SERVICES, LLC $2,435,000 $2,325,000 -4.5% 1.1%
    BROKER SOLUTIONS, INC. $2,075,000 $2,295,000 10.6% 1.1%
    USAA Federal Savings Bank $2,210,000 n/a 1.1%
    FNB Bank, Inc. $1,770,000 $2,110,000 19.2% 1.0%
    The Grant County Bank $1,650,000 $2,000,000 21.2% 1.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $455,000 $1,780,000 291.2% 0.9%
    FIRST HOME MORTGAGE CORPORATION $1,210,000 $1,715,000 41.7% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $830,000 $1,680,000 102.4% 0.8%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $950,000 $1,585,000 66.8% 0.8%
    Dollar Bank, Federal Savings Bank $2,520,000 $1,515,000 -39.9% 0.7%
    UNION HOME MORTGAGE CORP. $475,000 $1,360,000 186.3% 0.7%
    Clear Mountain Bank $195,000 $1,090,000 459.0% 0.5%
    Integrity Home Mortgage Corp $700,000 $995,000 42.1% 0.5%
    FIDELITY DIRECT MORTGAGE, LLC $8,645,000 $990,000 -88.5% 0.5%
    Capital Bank $975,000 n/a 0.5%
    PNC Bank $1,175,000 $865,000 -26.4% 0.4%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $775,000 n/a 0.4%
    Burke & Herbert Bank & Trust Company $750,000 n/a 0.4%
    SOMERSET TRUST COMPANY $555,000 $735,000 32.4% 0.4%
    Citizens Bank $2,920,000 $700,000 -76.0% 0.3%
    Bank of Charles Town $265,000 $695,000 162.3% 0.3%
    NEWREZ LLC $570,000 $695,000 21.9% 0.3%
    LOANDEPOT.COM, LLC $805,000 $650,000 -19.3% 0.3%
    ACNB Bank $1,045,000 $645,000 -38.3% 0.3%
    JPMorgan Chase Bank $650,000 $630,000 -3.1% 0.3%
    NFM, INC. $640,000 $620,000 -3.1% 0.3%
    Prosperity Home Mortgage, LLC $145,000 $615,000 324.1% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $630,000 $575,000 -8.7% 0.3%
    HOMESIDE FINANCIAL, LLC $165,000 $540,000 227.3% 0.3%
    AMERISAVE MORTGAGE CORPORATION $350,000 $525,000 50.0% 0.3%
    The Loan Store, Inc. $525,000 n/a 0.3%
    Wells Fargo Bank $935,000 $505,000 -46.0% 0.2%
    Woodsboro Bank $825,000 $505,000 -38.8% 0.2%
    DIRECT MORTGAGE LOANS, LLC $590,000 $495,000 -16.1% 0.2%
    PLANET HOME LENDING, LLC $385,000 $490,000 27.3% 0.2%
    RELIANCE FIRST CAPITAL, LLC $490,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $350,000 $475,000 35.7% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $470,000 n/a 0.2%
    Equity Prime Mortgage LLC $170,000 $460,000 170.6% 0.2%
    CNB Bank Inc. $780,000 $455,000 -41.7% 0.2%
    Northwest Federal Credit Union $445,000 n/a 0.2%
    Atlantic Coast Mortgage, LLC $400,000 $435,000 8.8% 0.2%
    Farmers Bank & Trust $435,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $270,000 $410,000 51.9% 0.2%
    VILLAGE CAPITAL MORTGAGE $385,000 n/a 0.2%
    Ally Bank $380,000 n/a 0.2%
    Bank of America $625,000 $375,000 -40.0% 0.2%
    EMM LOANS LLC $215,000 $370,000 72.1% 0.2%
    VELOCITY COMMERCIAL CAPITAL, LLC $370,000 n/a 0.2%
    Farm Credit of the Virginias, ACA $365,000 n/a 0.2%
    WesBanco $365,000 n/a 0.2%
    AMERICAN HERITAGE LENDING, INC. $355,000 n/a 0.2%
    HOMESPIRE MORTGAGE CORPORATION $65,000 $345,000 430.8% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $335,000 n/a 0.2%
    GUARANTEED RATE, INC. $575,000 $335,000 -41.7% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $435,000 $325,000 -25.3% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $135,000 $315,000 133.3% 0.2%
    INTERCOASTAL MORTGAGE COMPANY $370,000 $310,000 -16.2% 0.2%
    Sandy Spring Bank $305,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $55,000 $290,000 427.3% 0.1%
    AMERICAN FINANCING CORPORATION $115,000 $285,000 147.8% 0.1%
    PATRIOT $560,000 $285,000 -49.1% 0.1%
    FIRST FINANCIAL OF MARYLAND $280,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $330,000 $280,000 -15.2% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $275,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $905,000 $275,000 -69.6% 0.1%
    Residential Mortgage Solutions, Inc. $275,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $265,000 n/a 0.1%
    NBKC BANK $250,000 $265,000 6.0% 0.1%
    CMG MORTGAGE, INC. $320,000 $255,000 -20.3% 0.1%
    MEMBERS 1ST FEDERAL CREDIT UNION $255,000 n/a 0.1%
    PHH Mortgage Corporation $245,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $85,000 $240,000 182.4% 0.1%
    LENDINGHOME FUNDING CORPORATION $105,000 $240,000 128.6% 0.1%
    SPRING EQ, LLC $235,000 n/a 0.1%
    First National Bank of Pennsylvania $175,000 $230,000 31.4% 0.1%
    Plains Commerce Bank $560,000 $220,000 -60.7% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 n/a 0.1%
    Carrington Mortgage Services, LLC $460,000 $215,000 -53.3% 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $125,000 $215,000 72.0% 0.1%
    21ST MORTGAGE CORPORATION $210,000 n/a 0.1%
    Presidential Bank, FSB $205,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $520,000 $190,000 -63.5% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $185,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $185,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $185,000 n/a 0.1%
    United Bank $185,000 n/a 0.1%
    ABERDEEN PROVING GROUND FEDERAL CREDIT UNION $130,000 $180,000 38.5% 0.1%
    FIRST SAVINGS MORTGAGE CORPORATION $180,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $355,000 $175,000 -50.7% 0.1%
    The Federal Savings Bank $420,000 $175,000 -58.3% 0.1%
    ZILLOW HOME LOANS, LLC $290,000 $175,000 -39.7% 0.1%
    Atlantic Union Bank $600,000 $170,000 -71.7% 0.1%
    Barrington Bank & Trust Company, N.A. $165,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $165,000 n/a 0.1%
    GSF Mortgage Corporation $170,000 $165,000 -2.9% 0.1%
    LIMA ONE CAPITAL, LLC $105,000 $165,000 57.1% 0.1%
    NASA Federal Credit Union $165,000 n/a 0.1%
    Quontic Bank $165,000 $165,000 0.0% 0.1%
    Shore United Bank $165,000 n/a 0.1%
    SOUTHERN TRUST MORTGAGE, LLC $2,360,000 $165,000 -93.0% 0.1%
    York Traditions Bank $165,000 n/a 0.1%
    First Heritage Mortgage, LLC $155,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $155,000 n/a 0.1%
    Industrial Bank $145,000 n/a 0.1%
    Figure Lending LLC $25,000 $140,000 460.0% 0.1%
    Summit Community Bank, Inc. $1,190,000 $140,000 -88.2% 0.1%
    Coastal Community Bank $130,000 n/a 0.1%
    Fifth Third Bank $55,000 $125,000 127.3% 0.1%
    Logan Finance Corporation $125,000 n/a 0.1%
    Acre Mortgage and Financial Inc $115,000 n/a 0.1%
    Vellum Mortgage, Inc. $115,000 n/a 0.1%
    AMWEST FUNDING CORP. $105,000 n/a 0.1%
    BAY EQUITY LLC $105,000 n/a 0.1%
    Elements Financial Federal Credit Union $105,000 n/a 0.1%
    EMBRACE HOME LOANS, INC. $205,000 $105,000 -48.8% 0.1%
    Hometown Equity Mortgage, LLC $105,000 n/a 0.1%
    MORTGAGE EQUITY PARTNERS LLC $115,000 $105,000 -8.7% 0.1%
    Community Bank $95,000 n/a 0.0%
    Farmers and Merchants Trust Company of Chambersburg $95,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $95,000 n/a 0.0%
    Stifel Bank and Trust $95,000 n/a 0.0%
    TOWER $90,000 n/a 0.0%
    RADIUS FINANCIAL GROUP INC. $85,000 n/a 0.0%
    U.S. Bank $285,000 $85,000 -70.2% 0.0%
    Discover Bank $160,000 $80,000 -50.0% 0.0%
    Flagstar Bank, FSB $125,000 $65,000 -48.0% 0.0%
    LAKEVIEW LOAN SERVICING, LLC $65,000 n/a 0.0%
    Servion, Inc. $65,000 n/a 0.0%
    MidFirst Bank $55,000 n/a 0.0%
    Bank-Fund Staff Federal Credit Union $45,000 n/a 0.0%
    JUSTICE Federal Credit Union $25,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $25,000 n/a 0.0%
    Bethpage Federal Credit Union $15,000 n/a 0.0%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $15,000 n/a 0.0%

    CUMBERLAND's top lender by overall market share is Alcova Mortgage LLC, with 12.4% market share. In second place, with 10.5%, is FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION, having originated $21,530,000 in loans. In third place, with 6.6%, is CHESSIE, having originated $13,525,000 in loans. In fourth place, with 5.5%, is QUICKEN LOANS, LLC, having originated $11,185,000 in loans. In fifth place, with 5.1%, is First United Corporation, having originated $10,390,000 in loans.

    CUMBERLAND Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - CUMBERLAND (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $115,000 (5.0%) $140,808 (2.2%) 0.00 457
    2018-02-01 $117,025 (6.7%) $144,339 (4.6%) 0.00 439
    2018-03-01 $115,900 (6.6%) $143,756 (6.3%) 0.00 444
    2018-04-01 $116,900 (11.4%) $137,791 (2.5%) 0.00 478
    2018-05-01 $117,825 (7.4%) $141,826 (2.6%) 0.00 494
    2018-06-01 $119,000 (8.2%) $142,937 (2.5%) 0.00 511
    2018-07-01 $118,725 (6.1%) $141,257 (0.7%) 0.00 520
    2018-08-01 $119,900 (7.6%) $144,457 (4.6%) 0.00 524
    2018-09-01 $119,900 (7.2%) $143,413 (1.3%) 0.00 546
    2018-10-01 $117,950 (2.6%) $144,221 (0.5%) 0.00 541
    2018-11-01 $115,000 (0.9%) $144,976 (1.8%) 0.00 549
    2018-12-01 $114,999 (4.5%) $142,907 (3.0%) 0.00 541
    2019-01-01 $114,000 (-0.9%) $142,267 (1.0%) 0.00 474
    2019-02-01 $117,000 (0.0%) $143,227 (-0.8%) 0.00 443
    2019-03-01 $116,911 (0.9%) $141,958 (-1.3%) 0.00 443
    2019-04-01 $111,463 (-4.7%) $138,501 (0.5%) 0.00 445
    2019-05-01 $113,613 (-3.6%) $141,637 (-0.1%) 0.00 459
    2019-06-01 $119,000 (0.0%) $145,665 (1.9%) 0.00 471
    2019-07-01 $119,900 (1.0%) $145,564 (3.1%) 0.00 477
    2019-08-01 $121,291 (1.2%) $148,654 (2.9%) 0.00 456
    2019-09-01 $123,377 (2.9%) $152,672 (6.5%) 0.00 436
    2019-10-01 $124,950 (5.9%) $155,328 (7.7%) 0.00 422
    2019-11-01 $119,000 (3.5%) $151,450 (4.5%) 0.00 422
    2019-12-01 $115,925 (0.8%) $144,962 (1.4%) 0.00 408
    2020-01-01 $109,925 (-3.6%) $151,103 (6.2%) 0.00 376
    2020-02-01 $109,000 (-6.8%) $161,394 (12.7%) 0.00 345
    2020-03-01 $114,900 (-1.7%) $166,484 (17.3%) 0.00 333
    2020-04-01 $108,200 (-2.9%) $166,713 (20.4%) 0.00 320
    2020-05-01 $109,900 (-3.3%) $166,388 (17.5%) 0.00 296
    2020-06-01 $118,500 (-0.4%) $179,791 (23.4%) 0.00 275
    2020-07-01 $122,400 (2.1%) $186,848 (28.4%) 0.00 252
    2020-08-01 $119,000 (-1.9%) $201,270 (35.4%) 0.00 250
    2020-09-01 $124,450 (0.9%) $205,774 (34.8%) 0.00 245
    2020-10-01 $124,900 (0.0%) $195,332 (25.8%) 0.00 250
    2020-11-01 $124,925 (5.0%) $191,172 (26.2%) 0.00 245
    2020-12-01 $123,425 (6.5%) $199,902 (37.9%) 0.00 219
    2021-01-01 $124,700 (13.4%) $211,183 (39.8%) 0.00 187
    2021-02-01 $126,000 (15.6%) $232,310 (43.9%) 0.00 160
    2021-03-01 $129,000 (12.3%) $234,917 (41.1%) 0.00 146
    2021-04-01 $138,575 (28.1%) $246,988 (48.2%) 0.00 136
    2021-05-01 $132,000 (20.1%) $246,471 (48.1%) 0.00 139
    2021-06-01 $144,225 (21.7%) $255,159 (41.9%) 0.00 143
    2021-07-01 $135,000 (10.3%) $243,985 (30.6%) 0.00 167
    2021-08-01 $130,450 (9.6%) $229,653 (14.1%) 0.00 192
    2021-09-01 $127,950 (2.8%) $222,979 (8.4%) 0.00 198
    2021-10-01 $129,900 (4.0%) $217,823 (11.5%) 0.00 185
    2021-11-01 $124,900 (0.0%) $213,655 (11.8%) 0.00 189
    2021-12-01 $116,975 (-5.2%) $205,674 (2.9%) 0.00 185
    2022-01-01 $116,000 (-7.0%) $199,861 (-5.4%) 0.00 168
    2022-02-01 $119,225 (-5.4%) $167,372 (-28.0%) 0.00 152
    2022-03-01 $109,125 (-15.4%) $174,895 (-25.6%) 0.00 141
    2022-04-01 $119,950 (-13.4%) $182,386 (-26.2%) 0.00 126
    2022-05-01 $130,975 (-0.8%) $205,813 (-16.5%) 0.00 141
    2022-06-01 $129,950 (-9.9%) $194,008 (-24.0%) 0.00 168
    2022-07-01 $125,900 (-6.7%) $196,875 (-19.3%) 0.00 183
    2022-08-01 $133,750 (2.5%) $200,668 (-12.6%) 0.00 191
    2022-09-01 $129,950 (1.6%) $191,330 (-14.2%) 0.00 193
    2022-10-01 $134,999 (3.9%) $186,269 (-14.5%) 0.00 199
    2022-11-01 $149,900 (20.0%) $182,054 (-14.8%) 0.00 197
    2022-12-01 $148,900 (27.3%) $195,435 (-5.0%) 0.00 184
    2023-01-01 $148,583 (28.1%) $201,563 (0.9%) 0.00 153
    2023-02-01 $137,425 (15.3%) $197,551 (18.0%) 0.00 149
    2023-03-01 $149,500 (37.0%) $204,171 (16.7%) 0.00 145
    2023-04-01 $139,900 (16.6%) $199,090 (9.2%) 0.00 142
    2023-05-01 $139,800 (6.7%) $198,783 (-3.4%) 0.00 157
    2023-06-01 $139,950 (7.7%) $193,220 (-0.4%) 0.00 151
    2023-07-01 $139,900 (11.1%) $196,127 (-0.4%) 0.00 161
    2023-08-01 $152,125 (13.7%) $202,184 (0.8%) 0.00 169
    2023-09-01 $155,250 (19.5%) $203,258 (6.2%) 0.00 181
    2023-10-01 $159,950 (18.5%) $210,306 (12.9%) 0.00 196
    2023-11-01 $159,900 (6.7%) $211,442 (16.1%) 0.00 207
    2023-12-01 $159,900 (7.4%) $206,920 (5.9%) 0.00 200
    2024-01-01 $153,750 (3.5%) $191,552 (-5.0%) 0.00 200
    2024-02-01 $149,675 (8.9%) $194,483 (-1.6%) 0.00 204
    2024-03-01 $158,000 (5.7%) $196,858 (-3.6%) 0.00 173
    2024-04-01 $165,000 (17.9%) $205,070 (3.0%) 0.00 178
    2024-05-01 $169,900 (21.5%) $220,236 (10.8%) 0.00 189
    2024-06-01 $169,900 (21.4%) $217,828 (12.7%) 0.00 201
    2024-07-01 $172,000 (22.9%) $218,792 (11.6%) 0.00 202
    2024-08-01 $169,900 (11.7%) $238,084 (17.8%) 0.00 214
    2024-09-01 $162,200 (4.5%) $242,437 (19.3%) 0.00 200
    2024-10-01 $177,000 (10.7%) $245,452 (16.7%) 0.00 211
    2024-11-01 $174,999 (9.4%) $237,532 (12.3%) 0.00 209
    2024-12-01 $177,250 (10.9%) $231,802 (12.0%) 0.00 203
    2025-01-01 $179,725 (16.9%) $229,120 (19.6%) 0.00 194
    2025-02-01 $179,900 (20.2%) $234,590 (20.6%) 0.00 189
    2025-03-01 $175,500 (11.1%) $238,253 (21.0%) 0.00 204
    CUMBERLAND's median listing price for 2025-03-01 was $175,500, a difference of $17,500 (11.1%) versus the prior year and $-4,400 versus the prior month.

    CUMBERLAND's median listing price comes in at 0% of the national average.

    CUMBERLAND's average listing price for 2025-03-01 was $238,253, a difference of $41,395 (21.0%) versus the prior year and $3,663 versus the prior month.

    For the 2025-03-01 period, CUMBERLAND had 204 MLS listings, a difference of 15 listings (8%) versus the prior month and 31 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - CUMBERLAND (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,568 sqft
    2018-02-01 0 days 1,589 sqft
    2018-03-01 0 days 1,580 sqft
    2018-04-01 0 days 1,600 sqft
    2018-05-01 0 days 1,600 sqft
    2018-06-01 0 days 1,672 sqft
    2018-07-01 0 days 1,663 sqft
    2018-08-01 0 days 1,678 sqft
    2018-09-01 0 days 1,680 sqft
    2018-10-01 0 days 1,681 sqft
    2018-11-01 0 days 1,680 sqft
    2018-12-01 0 days 1,634 sqft
    2019-01-01 0 days 1,633 sqft
    2019-02-01 0 days 1,632 sqft
    2019-03-01 0 days 1,628 sqft
    2019-04-01 0 days 1,612 sqft
    2019-05-01 0 days 1,617 sqft
    2019-06-01 0 days 1,680 sqft
    2019-07-01 0 days 1,680 sqft
    2019-08-01 0 days 1,676 sqft
    2019-09-01 0 days 1,678 sqft
    2019-10-01 0 days 1,684 sqft
    2019-11-01 0 days 1,728 sqft
    2019-12-01 0 days 1,695 sqft
    2020-01-01 0 days 1,678 sqft
    2020-02-01 0 days 1,672 sqft
    2020-03-01 0 days 1,687 sqft
    2020-04-01 0 days 1,697 sqft
    2020-05-01 0 days 1,702 sqft
    2020-06-01 0 days 1,725 sqft
    2020-07-01 0 days 1,728 sqft
    2020-08-01 0 days 1,750 sqft
    2020-09-01 0 days 1,723 sqft
    2020-10-01 0 days 1,712 sqft
    2020-11-01 0 days 1,661 sqft
    2020-12-01 0 days 1,650 sqft
    2021-01-01 0 days 1,684 sqft
    2021-02-01 0 days 1,700 sqft
    2021-03-01 0 days 1,680 sqft
    2021-04-01 0 days 1,706 sqft
    2021-05-01 0 days 1,636 sqft
    2021-06-01 0 days 1,674 sqft
    2021-07-01 0 days 1,687 sqft
    2021-08-01 0 days 1,675 sqft
    2021-09-01 0 days 1,658 sqft
    2021-10-01 0 days 1,636 sqft
    2021-11-01 0 days 1,592 sqft
    2021-12-01 0 days 1,581 sqft
    2022-01-01 0 days 1,550 sqft
    2022-02-01 0 days 1,529 sqft
    2022-03-01 0 days 1,517 sqft
    2022-04-01 0 days 1,501 sqft
    2022-05-01 0 days 1,530 sqft
    2022-06-01 0 days 1,536 sqft
    2022-07-01 0 days 1,559 sqft
    2022-08-01 0 days 1,618 sqft
    2022-09-01 0 days 1,606 sqft
    2022-10-01 0 days 1,641 sqft
    2022-11-01 0 days 1,648 sqft
    2022-12-01 0 days 1,649 sqft
    2023-01-01 0 days 1,693 sqft
    2023-02-01 0 days 1,615 sqft
    2023-03-01 0 days 1,680 sqft
    2023-04-01 0 days 1,592 sqft
    2023-05-01 0 days 1,577 sqft
    2023-06-01 0 days 1,594 sqft
    2023-07-01 0 days 1,591 sqft
    2023-08-01 0 days 1,616 sqft
    2023-09-01 0 days 1,568 sqft
    2023-10-01 0 days 1,637 sqft
    2023-11-01 0 days 1,618 sqft
    2023-12-01 0 days 1,580 sqft
    2024-01-01 0 days 1,553 sqft
    2024-02-01 0 days 1,551 sqft
    2024-03-01 0 days 1,600 sqft
    2024-04-01 0 days 1,600 sqft
    2024-05-01 0 days 1,626 sqft
    2024-06-01 0 days 1,632 sqft
    2024-07-01 0 days 1,593 sqft
    2024-08-01 0 days 1,672 sqft
    2024-09-01 0 days 1,716 sqft
    2024-10-01 0 days 1,737 sqft
    2024-11-01 0 days 1,760 sqft
    2024-12-01 0 days 1,749 sqft
    2025-01-01 0 days 1,732 sqft
    2025-02-01 0 days 1,731 sqft
    2025-03-01 0 days 1,765 sqft
    CUMBERLAND's median listing age (time on market) for 2025-03-01 was 0 days.

    CUMBERLAND's median square footage for active listings during the 2025-03-01 period was 1,765 sqft. One year prior, the average listing was 1,600 sqft.

    CUMBERLAND, MD-WV Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 785 $138,085,000 $175,904
    Cash Out Refi 278 $31,130,000 $111,978
    Refi 167 $23,665,000 $141,707
    Other 99 $7,225,000 $72,980
    Home Improvement 65 $4,175,000 $64,231

    Cumberland's most frequently cited loan purpose was Home Purchase, with 785 originations. The 2nd most popular reason was Cash Out Refi, with 278 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 566 $90,020,000 $159,046
    7-8% 275 $39,305,000 $142,927
    5-6% 178 $33,180,000 $186,404
    Over 8% 175 $12,835,000 $73,343
    4-5% 34 $6,140,000 $180,588
    3-4% 4 $670,000 $167,500
    <2.5% 3 $35,000 $11,667

    During 2024, Cumberland's most frequently originated rate bucket was 6-7%, with 566 originations.

    Loan Sizing (CUMBERLAND, MD-WV MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 575 $82,455,000 $143,400
    $100,000 or less 518 $30,410,000 $58,707
    $200k-400k 256 $67,590,000 $264,023
    $400k-600k 36 $17,390,000 $483,056
    $600k-1000k 9 $6,435,000 $715,000

    CUMBERLAND's loan sizing saw the bucket of loans from $100k-200k with 575 originations, totaling $82,455,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 569 $106,305,000 $186,828
    60-80% 249 $39,155,000 $157,249
    20-40% 150 $10,240,000 $68,267
    40-60% 114 $14,740,000 $129,298
    Under 20% 107 $4,005,000 $37,430
    Over 100% 16 $3,640,000 $227,500

    CUMBERLAND's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 569 originations, totaling $106,305,000 in origination value.