Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Maryland · Washington, DC-MD

Prince George's County, MD: mortgages, home buyers & loan limits

What buyers in Prince George's County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.

HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026

In 2025, lenders reported 7,364 home-purchase mortgages for owner-occupied, single-family homes in Prince George's County, MD. The median buyer borrowed $435,000 on a home valued at $475,000 and reported a household income of $128,000.

Buyers financed a median 96.5% of the home's value (roughly 3.5% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $6,400.

Lenders denied 14.0% of completed home-purchase applications.

Conforming limit 2026
$1,249,125
1-unit home · FHFA
FHA limit 2026
$1,249,125
1-unit home · HUD
Buyer income
$128,000
U.S. $116,000
30-yr fixed rate
6.625%
U.S. 6.625%
Loan costs
$6,400
Conventional · U.S. $5,570
Denial rate
14.0%
Purchase · U.S. 8.5%

Key facts about Prince George's County mortgages

  • Home buyers' median income ($128,000) is 10% higher than the U.S. median ($116,000).
  • Median conventional loan costs ($6,400) were 15% higher than the U.S. median ($5,570).
  • FHA loans made up 33.4% of purchase mortgages, versus 21.1% nationally.
  • VA loans were unusually common: 16.9% of purchase mortgages.
  • 17.5% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
  • The most common age bracket among borrowers was 25–34 (30.3% of purchase loans).
  • 64.0% of purchase mortgages had a single borrower with no co-applicant.
  • The most-cited reason for denial was debt-to-income ratio (40.4% of denials with a stated reason).

National rank among 1,994 counties with at least 100 purchase loans: median income of home buyers 261st · median home-purchase loan 159th · median conventional loan costs 274th · purchase application denial rate 109th. See rankings.

2026 loan limits in Prince George's County

PropertyConforming 2026vs 2025FHA 2026vs 2025
1 unit $1,249,125 +$39,375 $1,249,125 +$39,375
2 units $1,599,375 +$50,400 $1,599,375 +$50,400
3 units $1,933,200 +$60,975 $1,933,200 +$60,975
4 units $2,402,625 +$75,750 $2,402,625 +$75,750

2026 limits for Prince George's County, MD: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA treats this county as a high-cost area (limit above the national floor). Loans above the conforming limit are "jumbo" loans.

All Maryland counties: Maryland 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.

Who bought homes in Prince George's County

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans
7,364
of 8,798 applications
Buyer income
$128,000
Middle half $98,000–$175,000
Home value
$475,000
Middle half $395,000–$565,000
Loan amount
$435,000
Middle half $355,000–$525,000
Down payment
3.5%
17.5% put 20%+ down
Single borrower
64.0%
No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 49.7% 3,661
FHA 33.4% 2,458
VA 16.9% 1,242
USDA 0.0% 3

What the homes were for

Primary residence 98.0% 7,412
Second home 0.2% 16
Investment property 1.8% 135

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 3.3%
25–34 30.3%
35–44 30.1%
45–54 18.8%
55–64 11.2%
65–74 4.8%
75 and over 1.5%

Debt-to-income ratio

Under 20% 1.4%
20–29% 7.1%
30–35% 11.1%
36–42% 23.6%
43–49% 40.5%
50–60% 15.3%
Over 60% 1.0%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Prince George's County

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

MeasurePrince George's CountyMarylandU.S.
30-year fixed rate · conventional6.625%6.625%6.625%
30-year fixed rate · FHA6.490%6.490%6.250%
30-year fixed rate · VA6.125%6.125%6.125%
15-year fixed rate · conventional5.750%5.750%5.875%
Rate spread vs. APOR · conventional+0.20 pts+0.14 pts+0.13 pts
Total loan costs · conventional$6,400$6,150$5,570
Total loan costs · FHA$14,470$13,040$11,310
Total loan costs · VA$8,690$8,910$6,490
Origination charges (all loan types)$2,270$2,140$1,860
Borrowers paying discount points53.9%50.8%51.3%
Points paid, when paid (% of loan)1.00%0.90%0.87%
Borrowers receiving lender credits38.4%33.9%33.1%
Adjustable-rate mortgages2.7%5.6%7.4%
Jumbo loans (above conforming limit)0.2%3.2%3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Prince George's County: 1,229 of 8,798 completed home-purchase applications were denied (14.0%).

Denial rate

ApplicationPrince George's CountyMarylandU.S.
Home purchase14.0%8.6%8.5%
Conventional13.1%7.0%7.1%
FHA17.0%13.6%12.5%
VA10.0%7.9%8.0%
USDA—8.6%12.5%
Refinance24.3%17.4%17.9%
Cash-out refinance43.8%36.5%33.6%

Main reason for purchase denials

Debt-to-income ratio 40.4%
Collateral (appraisal/property) 15.7%
Credit history 11.2%
Other 9.9%
Insufficient cash (down payment/closing costs) 7.4%
Unverifiable information 7.4%
Credit application incomplete 4.3%
Employment history 3.7%
Mortgage insurance denied 0.1%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Prince George's County

Refinances
1,917
Median loan $445,000
Refi rate
6.25%
30-yr fixed, conv.
Refi loan costs
$6,510
Conventional
Cash-out refis
1,790
Median loan $335,000
Cash-out rate
6.75%
30-yr fixed, conv.
Cash-out income
$111,000
Median borrower

Top mortgage lenders in Prince George's County

329 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.

#LenderLoansShareDenial rate30-yr rate*Spread*Costs*
1 United Wholesale Mortgage (UWM) 993 9.0% 20.3% 6.625% +0.31 $8,700
2 Rocket Mortgage, LLC 927 8.4% 22.3% 6.625% +0.27 $6,340
3 NVR Mortgage Finance, Inc. 630 5.7% 21.7% 6.375% −0.10 $5,530
4 First Heritage Mortgage, LLC 416 3.8% 5.4% 6.480% +0.10 $6,350
5 Freedom Mortgage Corporation 405 3.7% 24.4% — — —
6 Navy Federal Credit Union 284 2.6% 13.1% 6.625% +0.00 $4,250
7 First Home Mortgage Corporation 281 2.5% 6.7% 6.750% +0.37 $10,010
8 Veterans United Home Loans 251 2.3% 7.9% — — —
9 Pennymac Loan Services, LLC 244 2.2% 20.8% 6.499% +0.27 $6,020
10 NFM, Inc. 209 1.9% 2.1% 6.750% +0.44 $7,400
11 CrossCountry Mortgage, Inc. 197 1.8% 4.9% 6.750% +0.53 $9,310
12 Newrez LLC 194 1.8% 22.2% 6.875% +0.22 $10,600
13 JPMorgan Chase Bank, N.A. 192 1.7% 6.5% 6.500% −0.02 $5,140
14 Towne Bank 166 1.5% 6.0% 6.750% +0.39 $5,710
15 loanDepot.com, LLC 156 1.4% 4.4% — — —
16 Lower, LLC 149 1.4% 13.0% 6.875% +0.53 $6,450
17 Fairway Independent Mortgage Corporation 135 1.2% 10.3% 6.750% +0.34 $5,680
18 Citibank, N.A. 130 1.2% 11.5% 6.000% −0.50 $5,650
19 Embrace Home Loans, Inc. 127 1.1% 9.7% 6.375% +0.09 $6,130
20 Prosperity Home Mortgage, LLC 127 1.1% 12.4% 6.750% +0.27 $5,480
21 Truist Bank 121 1.1% 14.3% 6.490% −0.05 $5,390
22 Rate 115 1.0% 6.7% 6.500% +0.21 $6,000
23 Bank of America, N.A. 113 1.0% 11.8% 5.750% −0.99 $3,390
24 CMG Mortgage, Inc. 106 1.0% 2.6% 6.500% +0.14 $6,820
25 Fidelity Direct Mortgage, LLC 101 0.9% 5.1% 6.875% +0.77 $8,240

Lenders in Prince George's County, MD. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Check a quote for Prince George's County

Typical effective property-tax rate 1.12% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.

Nearby counties

CountyDistancePurchase loansMedian loanBuyer incomeConforming limitFHA limit
District of Columbia, DC10 mi4,713$565,000$185,000$1,249,125$1,249,125
Alexandria city, VA13 mi1,595$575,000$191,000$1,249,125$1,249,125
Arlington County, VA14 mi1,705$615,000$218,000$1,249,125$1,249,125
Falls Church city, VA18 mi148$755,000$282,000$1,249,125$1,249,125
Anne Arundel County, MD19 mi6,184$445,000$145,000$832,750$747,500
Fairfax County, VA23 mi9,739$615,000$192,000$1,249,125$1,249,125

Frequently asked questions

What is the 2026 conforming loan limit in Prince George's County?

$1,249,125 for a one-unit home (FHFA). Two- to four-unit limits are $1,599,375, $1,933,200, $2,402,625. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.

What is the 2026 FHA loan limit in Prince George's County?

$1,249,125 for a one-unit home (HUD). Prince George's County is an FHA high-cost area; HUD's median price used to set the limit is $1,198,000.

How much do home buyers in Prince George's County earn?

The median household income reported on 2025 home-purchase mortgages was $128,000; the middle half of buyers reported $98,000 to $175,000.

What mortgage rate did buyers in Prince George's County get in 2025?

The median rate on 30-year fixed conventional purchase loans was 6.625%; FHA borrowers paid a median 6.49%. These are rates locked during 2025; check today's rates with several lenders.

How often are mortgage applications denied in Prince George's County?

14.0% of completed home-purchase applications were denied in 2025; the most common stated reason was debt-to-income ratio.

Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology