Easton Mortgage Rates & Closing Costs

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Easton, MD.

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
BAY CAPITAL MORTGAGE CORPORATION 40 6.88% $8,433
Shore United Bank 29 6.78% $5,674
FIRST HOME MORTGAGE CORPORATION 24 6.72% $8,507
QUICKEN LOANS, LLC 21 6.63% $8,081
UNITED WHOLESALE MORTGAGE, LLC 18 6.66% $7,604
NFM, INC. 15 7.09% $9,870
LOANDEPOT.COM, LLC 12 6.86% $5,138
Bank of America 11 6.36% $6,268
GUARANTEED RATE, INC. 11 6.78% $6,318
Morgan Stanley Private Bank 10 5.99% $6,629
Truist 10 6.53% $4,807
Wells Fargo Bank 8 6.77% $8,457
M&T Bank 7 6.29% $9,264
RADIUS FINANCIAL GROUP INC. 6 6.91% $5,213
NAVY FEDERAL CREDIT UNION 6 6.06% $4,554
ENVOY MORTGAGE, LTD 6 7.21% $8,178
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 5 6.30% $6,982
WesBanco 5 6.95% $7,285
Citibank 5 6.13% $5,778
Charles Schwab Bank, SSB 4 5.94% $3,462
TD Bank 4 6.31% $5,299
Prosperity Home Mortgage, LLC 3 6.96% $8,200
Mr. Cooper ( Nationstar Mortgage ) 3 6.91% $9,424
First National Bank of America 3 10.21% $10,009
Plains Commerce Bank 3 6.87% $10,080
First National Bank of Pennsylvania 3 6.63% $5,048
FREEDOM MORTGAGE CORPORATION 3 7.38% $5,912
DAS Acquisition Company, LLC 3 6.58% $4,514
DIRECT MORTGAGE LOANS, LLC 3 7.21% $8,395
TOWER 3 5.75% $6,512
Atlantic Coast Mortgage, LLC 3 6.70% $4,992
JPMorgan Chase Bank 2 6.44% $34,804
MidAtlantic Farm Credit, ACA 2 7.12% $4,072
Towne Bank 2 6.81% $8,666
BROKER SOLUTIONS, INC. 2 7.00% $6,814
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.19% $5,383
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 6.75% $4,100
AMERICAN FEDERAL MORTGAGE CORPORATION 2 6.50% $3,674
Presidential Bank, FSB 2 7.56% $7,851
USAA Federal Savings Bank 2 6.25% $14,529
NBKC BANK 2 6.56% $3,108
GUARANTEED RATE AFFINITY, LLC 2 7.05% $5,413
PNC Bank 2 6.13% $6,967
Goldman Sachs Bank USA 2 5.95% $6,172
FIRST COMMUNITY MORTGAGE, INC. 2 7.31% $9,022
UNIVERSAL MORTGAGE & FINANCE, INC. 1 8.50% $21,050
Univest Bank and Trust Co. 1 6.25% $6,083
Waterstone Mortgage Corporation 1 6.75% $4,885
Wilmington Savings Fund Society, FSB 1 6.13% $9,433
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 1 6.00% $3,402
ZILLOW HOME LOANS, LLC 1 7.63% $3,641
Alcova Mortgage LLC 1 7.13% $4,504
Ameris Bank 1 6.63% $6,158
ARC HOME LLC 1 7.00% $5,302
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.13% $4,987
BNY Mellon 1 6.13% $9,251
Capital Bank 1 7.25% $6,502
Cathay Bank 1 7.25% $4,487
CHURCHILL MORTGAGE CORPORATION 1 7.13% $5,224
Citizens Bank 1 6.63% $8,647
CMG MORTGAGE, INC. 1 6.75% $8,273
CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $8,040
EMM LOANS LLC 1 6.63% $7,303
EQUITY RESOURCES, INC. 1 6.88% $6,110
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.88% $26,741
First-Citizens Bank & Trust Company 1 6.48% $6,547
First Heritage Mortgage, LLC 1 5.99% $4,913
FIRST SAVINGS MORTGAGE CORPORATION 1 7.25% $4,693
Flagstar Bank, FSB 1 6.63% $10,331
Fulton Bank 1 6.25% $13,728
Gate City Bank 1 6.25% $4,422
GUILD MORTGAGE COMPANY 1 6.13% $4,269
INTERCOASTAL MORTGAGE COMPANY 1 6.13% $4,821
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 1 7.49% $6,931
Meridian Bank Corporation 1 6.13% $7,709
MICHIGAN MUTUAL, INC. 1 6.13% $17,541
MORTGAGE ACCESS CORP. 1 6.75% $9,560
MOVEMENT MORTGAGE, LLC 1 6.99% $7,467
NETWORK CAPITAL FUNDING CORPORATION 1 6.38% $25,153
NEWREZ LLC 1 6.88% $5,754
PENNYMAC LOAN SERVICES, LLC 1 6.50% $11,818
PENTAGON FEDERAL CREDIT UNION 1 8.00% $9,732
POINT BREEZE 1 6.75% $3,963
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.50% $5,158
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.63% $11,129
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.88% $5,608
Sandy Spring Bank 1 6.88% $4,645
SeaTrust Mortgage Company 1 7.38% $5,280
SIRVA MORTGAGE, INC. 1 6.88% $0
SOUTHERN TRUST MORTGAGE, LLC 1 6.13% $4,461
S&T Bank 1 7.13% $7,555
SWBC MORTGAGE CORPORATION 1 6.63% $12,880
The Federal Savings Bank 1 6.88% $5,045
TIDEWATER MORTGAGE SERVICES, INC. 1 7.63% $6,637
UBS Bank USA 1 6.50% $8,854

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.