Easton Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Easton averaged
6.73%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.66% and
one month ago for the week of 2025-05-15, the
average rate was 6.93%.
Easton's average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Easton 30 Year Fixed Rate | 2025-06-18 | 6.73% |
| Easton 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Easton 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Easton 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Easton 30 Year FHA | 2025-06-18 | -0.2% |
| Easton 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Easton 30 Year USDA | 2025-06-18 | -0.2% |
| Easton 30 Year USDA Refi | 2025-06-18 | 0% |
| Easton 30 Year VA | 2025-06-18 | 0.2% |
| Easton 30 Year VA Refi | 2025-06-18 | -0.1% |
Easton 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 Easton, MD 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.).
Easton Average Closing Costs & Other Stats
Easton, MD's 95 lenders originated 834
loans during 2024. The total origination value was $346,050,000, with an average loan value of
$414,928.
Easton's average closing costs are $6,237.
The top Easton lender as defined by loan originations is BAY CAPITAL MORTGAGE CORPORATION, with
40 loans originated. Their average total fees are
$8,433, which is $2,758
higher than the next largest lender,
Shore United Bank.
The lowest fee Easton lenders (with over 10 loans originated) are
Truist ($4,807), LOANDEPOT.COM, LLC ($5,138), Shore United Bank ($5,674), Bank of America ($6,268) and GUARANTEED RATE, INC. ($6,318).
The lowest rate Easton lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.99%), Bank of America (6.36%), Truist (6.53%), QUICKEN LOANS, LLC (6.63%) and UNITED WHOLESALE MORTGAGE, LLC (6.66%).
Easton, MD 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 |
|---|---|---|---|---|
| Shore United Bank | $19,680,000 | $32,925,000 | 67.3% | 9.5% |
| BAY CAPITAL MORTGAGE CORPORATION | $9,125,000 | $20,840,000 | 128.4% | 6.0% |
| LENDINGONE, LLC | $20,565,000 | n/a | 5.9% | |
| Bank of America | $14,245,000 | $15,265,000 | 7.2% | 4.4% |
| QUICKEN LOANS, LLC | $8,275,000 | $14,660,000 | 77.2% | 4.2% |
| Morgan Stanley Private Bank | $10,845,000 | $12,880,000 | 18.8% | 3.7% |
| FIRST HOME MORTGAGE CORPORATION | $17,355,000 | $11,065,000 | -36.2% | 3.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,235,000 | $10,705,000 | 48.0% | 3.1% |
| TD Bank | $3,055,000 | $9,790,000 | 220.5% | 2.8% |
| NFM, INC. | $4,205,000 | $8,860,000 | 110.7% | 2.6% |
| GUARANTEED RATE, INC. | $6,955,000 | $8,785,000 | 26.3% | 2.5% |
| The Queenstown Bank of Maryland | $8,480,000 | $8,570,000 | 1.1% | 2.5% |
| LOANDEPOT.COM, LLC | $4,880,000 | $7,485,000 | 53.4% | 2.2% |
| M&T Bank | $4,260,000 | $7,360,000 | 72.8% | 2.1% |
| PNC Bank | $7,700,000 | $7,140,000 | -7.3% | 2.1% |
| Wells Fargo Bank | $3,190,000 | $7,010,000 | 119.7% | 2.0% |
| CMG MORTGAGE, INC. | $3,890,000 | $6,000,000 | 54.2% | 1.7% |
| Truist | $1,260,000 | $5,380,000 | 327.0% | 1.6% |
| WesBanco | $5,575,000 | $5,350,000 | -4.0% | 1.5% |
| Charles Schwab Bank, SSB | $1,500,000 | $5,190,000 | 246.0% | 1.5% |
| Goldman Sachs Bank USA | $3,870,000 | n/a | 1.1% | |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $2,485,000 | $3,810,000 | 53.3% | 1.1% |
| Citibank | $15,025,000 | $3,785,000 | -74.8% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $845,000 | $3,375,000 | 299.4% | 1.0% |
| First National Bank of Pennsylvania | $4,715,000 | $3,140,000 | -33.4% | 0.9% |
| The Peoples Bank | $2,295,000 | $3,000,000 | 30.7% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $3,060,000 | $2,905,000 | -5.1% | 0.8% |
| Prosperity Home Mortgage, LLC | $3,270,000 | $2,790,000 | -14.7% | 0.8% |
| TOWER | $1,525,000 | $2,765,000 | 81.3% | 0.8% |
| ENVOY MORTGAGE, LTD | $1,440,000 | $2,625,000 | 82.3% | 0.8% |
| BNY Mellon | $1,505,000 | $2,605,000 | 73.1% | 0.8% |
| RADIUS FINANCIAL GROUP INC. | $315,000 | $2,570,000 | 715.9% | 0.7% |
| The Gratz Bank | $2,475,000 | n/a | 0.7% | |
| JPMorgan Chase Bank | $910,000 | $2,415,000 | 165.4% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $860,000 | $2,355,000 | 173.8% | 0.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,340,000 | n/a | 0.7% | |
| Capital Bank | $2,240,000 | n/a | 0.6% | |
| FREEDOM MORTGAGE CORPORATION | $1,330,000 | $2,160,000 | 62.4% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $855,000 | $1,995,000 | 133.3% | 0.6% |
| NEWREZ LLC | $845,000 | $1,545,000 | 82.8% | 0.4% |
| Plains Commerce Bank | $275,000 | $1,520,000 | 452.7% | 0.4% |
| GUARANTEED RATE AFFINITY, LLC | $610,000 | $1,515,000 | 148.4% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $1,430,000 | n/a | 0.4% | |
| PENNYMAC LOAN SERVICES, LLC | $1,770,000 | $1,395,000 | -21.2% | 0.4% |
| MORTGAGE ACCESS CORP. | $1,355,000 | n/a | 0.4% | |
| MOVEMENT MORTGAGE, LLC | $2,290,000 | $1,320,000 | -42.4% | 0.4% |
| DAS Acquisition Company, LLC | $1,210,000 | n/a | 0.3% | |
| Presidential Bank, FSB | $285,000 | $1,195,000 | 319.3% | 0.3% |
| Hebron Savings Bank | $4,385,000 | $1,155,000 | -73.7% | 0.3% |
| NP, Inc. | $1,155,000 | n/a | 0.3% | |
| UNIVERSAL MORTGAGE & FINANCE, INC. | $1,145,000 | n/a | 0.3% | |
| Univest Bank and Trust Co. | $1,145,000 | n/a | 0.3% | |
| Atlantic Coast Mortgage, LLC | $275,000 | $1,135,000 | 312.7% | 0.3% |
| DIRECT MORTGAGE LOANS, LLC | $2,325,000 | $1,120,000 | -51.8% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $745,000 | $1,115,000 | 49.7% | 0.3% |
| Fulton Bank | $400,000 | $1,110,000 | 177.5% | 0.3% |
| EDUCATIONAL SYSTEMS | $630,000 | $1,095,000 | 73.8% | 0.3% |
| Sandy Spring Bank | $475,000 | $1,090,000 | 129.5% | 0.3% |
| Mortgage Research Center, LLC | $95,000 | $1,075,000 | 1,031.6% | 0.3% |
| Citizens Bank | $815,000 | $1,025,000 | 25.8% | 0.3% |
| EQUITY RESOURCES, INC. | $1,015,000 | n/a | 0.3% | |
| USAA Federal Savings Bank | $710,000 | $1,015,000 | 43.0% | 0.3% |
| Wilmington Savings Fund Society, FSB | $310,000 | $1,005,000 | 224.2% | 0.3% |
| First-Citizens Bank & Trust Company | $955,000 | n/a | 0.3% | |
| Towne Bank | $1,220,000 | $940,000 | -23.0% | 0.3% |
| UBS Bank USA | $1,305,000 | $875,000 | -33.0% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $835,000 | n/a | 0.2% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $655,000 | $830,000 | 26.7% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $820,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $805,000 | n/a | 0.2% | |
| MidAtlantic Farm Credit, ACA | $65,000 | $805,000 | 1,138.5% | 0.2% |
| SWBC MORTGAGE CORPORATION | $800,000 | n/a | 0.2% | |
| EMM LOANS LLC | $920,000 | $770,000 | -16.3% | 0.2% |
| The Federal Savings Bank | $1,290,000 | $770,000 | -40.3% | 0.2% |
| BayVanguard Bank | $5,315,000 | $760,000 | -85.7% | 0.2% |
| Carrington Mortgage Services, LLC | $400,000 | $760,000 | 90.0% | 0.2% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $1,130,000 | $760,000 | -32.7% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $465,000 | $760,000 | 63.4% | 0.2% |
| Ameris Bank | $185,000 | $755,000 | 308.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $725,000 | $725,000 | 0.0% | 0.2% |
| ARC HOME LLC | $710,000 | n/a | 0.2% | |
| Figure Lending LLC | $700,000 | n/a | 0.2% | |
| SIRVA MORTGAGE, INC. | $675,000 | n/a | 0.2% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $650,000 | n/a | 0.2% | |
| Meridian Bank Corporation | $245,000 | $640,000 | 161.2% | 0.2% |
| NBKC BANK | $640,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,665,000 | $625,000 | -62.5% | 0.2% |
| TIDEMARK FEDERAL CREDIT UNION | $35,000 | $625,000 | 1,685.7% | 0.2% |
| S&T Bank | $1,605,000 | $605,000 | -62.3% | 0.2% |
| First National Bank of America | $265,000 | $575,000 | 117.0% | 0.2% |
| Flagstar Bank, FSB | $2,545,000 | $570,000 | -77.6% | 0.2% |
| Gate City Bank | $515,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $510,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $505,000 | n/a | 0.1% | |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | $505,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $325,000 | $485,000 | 49.2% | 0.1% |
| Alcova Mortgage LLC | $465,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $195,000 | $395,000 | 102.6% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $355,000 | $385,000 | 8.5% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $2,270,000 | $385,000 | -83.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $105,000 | $380,000 | 261.9% | 0.1% |
| First Heritage Mortgage, LLC | $2,595,000 | $375,000 | -85.5% | 0.1% |
| LAFAYETTE FEDERAL CREDIT UNION | $815,000 | $375,000 | -54.0% | 0.1% |
| MICHIGAN MUTUAL, INC. | $375,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $375,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $355,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $295,000 | $345,000 | 16.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $255,000 | $345,000 | 35.3% | 0.1% |
| Residential Mortgage Solutions, Inc. | $335,000 | n/a | 0.1% | |
| Old National Bank | $325,000 | n/a | 0.1% | |
| U.S. Bank | $685,000 | $325,000 | -52.6% | 0.1% |
| POINT BREEZE | $315,000 | n/a | 0.1% | |
| TIDEWATER MORTGAGE SERVICES, INC. | $425,000 | $315,000 | -25.9% | 0.1% |
| Cathay Bank | $295,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $285,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $105,000 | $285,000 | 171.4% | 0.1% |
| United Bank | $285,000 | n/a | 0.1% | |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $110,000 | $255,000 | 131.8% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $255,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $285,000 | $255,000 | -10.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $235,000 | n/a | 0.1% | |
| SeaTrust Mortgage Company | $235,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $175,000 | $235,000 | 34.3% | 0.1% |
| SPRING EQ, LLC | $200,000 | n/a | 0.1% | |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $165,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $65,000 | $165,000 | 153.8% | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | $515,000 | $155,000 | -69.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $145,000 | n/a | 0.0% | |
| FIRST SAVINGS MORTGAGE CORPORATION | $1,185,000 | $115,000 | -90.3% | 0.0% |
| PRINCE GEORGE'S COMMUNITY | $115,000 | n/a | 0.0% | |
| APL | $105,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $105,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $140,000 | $85,000 | -39.3% | 0.0% |
| State Department Federal Credit Union | $75,000 | n/a | 0.0% | |
| Apple Federal Credit Union | $15,000 | $65,000 | 333.3% | 0.0% |
| Coastal Community Bank | $55,000 | n/a | 0.0% | |
| LIBRARY OF CONGRESS | $55,000 | n/a | 0.0% | |
| NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| PARTNERS 1ST Federal Credit Union | $95,000 | $55,000 | -42.1% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Summit Community Bank, Inc. | $860,000 | $45,000 | -94.8% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $35,000 | n/a | 0.0% | |
| Johns Hopkins Federal Credit Union | $25,000 | n/a | 0.0% |
Easton's top lender by overall market share is Shore United Bank, with 9.5% market share. In second place, with 6.0%, is BAY CAPITAL MORTGAGE CORPORATION, having originated $20,840,000 in loans. In third place, with 5.9%, is LENDINGONE, LLC, having originated $20,565,000 in loans. In fourth place, with 4.4%, is Bank of America, having originated $15,265,000 in loans. In fifth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $14,660,000 in loans.
Easton, MD Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 453 | $230,805,000 | $509,503 |
| Home Improvement | 112 | $14,600,000 | $130,357 |
| Cash Out Refi | 93 | $48,175,000 | $518,011 |
| Other | 90 | $13,690,000 | $152,111 |
| Refi | 86 | $38,780,000 | $450,930 |
Easton's most frequently cited loan purpose was Home Purchase, with 453 originations. The 2nd most popular reason was Home Improvement, with 112 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 367 | $189,775,000 | $517,098 |
| Over 8% | 148 | $27,310,000 | $184,527 |
| 7-8% | 120 | $38,640,000 | $322,000 |
| 5-6% | 83 | $57,135,000 | $688,373 |
| 4-5% | 16 | $5,840,000 | $365,000 |
| <2.5% | 2 | $20,000 | $10,000 |
| 3-4% | 1 | $305,000 | $305,000 |
| 2.5-3% | 1 | $365,000 | $365,000 |
During 2024, Easton's most frequently originated rate bucket was 6-7%, with 367 originations.
Loan Sizing (Easton, MD MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 310 | $92,210,000 | $297,452 |
| $100,000 or less | 155 | $8,555,000 | $55,194 |
| $100k-200k | 134 | $18,830,000 | $140,522 |
| $400k-600k | 105 | $50,715,000 | $483,000 |
| $600k-1000k | 75 | $56,795,000 | $757,267 |
| $Over $1MM | 55 | $118,945,000 | $2,162,636 |
Easton's loan sizing saw the bucket of loans from $200k-400k with 310 originations, totaling $92,210,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 205 | $95,715,000 | $466,902 |
| 60-80% | 198 | $122,040,000 | $616,364 |
| Under 20% | 136 | $12,990,000 | $95,515 |
| 20-40% | 103 | $32,835,000 | $318,786 |
| 40-60% | 84 | $30,340,000 | $361,190 |
| Over 100% | 7 | $22,505,000 | $3,215,000 |
Easton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 205 originations, totaling $95,715,000 in origination value.