Compare today's mortgage rates

Compare Maryland’s Mortgage Rates | Tuesday, February 3, 2026

Rates are current as of February 3, 2026 1:04 AM EST

Maryland average mortgage rates:

30-Year Fixed

APR 5.89%

-0.14% 1w

15-Year Fixed

APR 5.48%

0.07% 1w

5-Year ARM

APR 6.38%

-0.09% 1w

1 ResultsShowing rates for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence

License information

1 Results for: Purchase, Good (720-739), $500,000, 30-year fixed, Single-family, Primary residence.

NMLS#3304

APR

6.50%

APR

6.50%

Interest rate

6.50%

Est. mo. payment

$2,527/mo

Total fees

$402

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The Nerdy headline

Sage Home Loans stands out for speed and convenience, though it lacks a mobile app and doesn’t serve New York borrowers.

Home loans overall

NerdWallet rating

4.5

What we like

Sample rates are easy to browse online.
Quick, convenient pre-qualification process.
Average time to close is just under 20 days, faster than industry standard.

What we don't like

Home loans aren’t available in New York.
No mobile app or online chat, despite focus on mortgage tech.
Online pre-qualification requires sharing contact info.

About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Explore Maryland's mortgage rate trends

See how rates have changed over time to understand past patterns and economic fluctuations

Historical timeline

Loan purpose

Loan type

Maryland’s average 5.89%

Maryland’s average mortgage rates today

Product	Interest rate	APR
30-year Fixed	5.88%	5.89%
30-year Fixed FHA	5.99%	6.72%
30-year Fixed VA	5.50%	5.50%
20-year Fixed	5.88%	5.93%
15-year Fixed	5.43%	5.48%
10-year Fixed	5.56%	5.59%
3-year ARM	4.13%	3.61%
5-year ARM	6.25%	6.38%
7-year ARM	6.25%	6.41%
10-year ARM	5.88%	5.89%

Accurate as of 02/02/2026.

Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use

Today's mortgage rates in Maryland | Tuesday, February 3, 2026

Last updated 1:04 AM EST

On Tuesday morning, February 3, 2026, the average interest rate on a 30-year fixed-rate mortgage rose one basis point to 5.89% APR, compared to yesterday.

The average rate on a 15-year fixed-rate mortgage rose six basis points to 5.48% APR. The average rate on a 5-year adjustable-rate mortgage fell one basis point to 6.38% APR.

The 30-year fixed-rate mortgage rate is 14 basis points lower than one week ago and 77 basis points lower than one year ago.

A basis point is one hundredth of a percent, or 0.01%. We describe mortgage rates’ ups and downs in basis points because they simplify comparisons.

NerdWallet’s rates are expressed as an annual percentage rate, or APR, and our mortgage rates data comes from Zillow.