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Mortgage Lenders and Brokers in Ocean City, Maryland

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Ocean City, Maryland mortgage lenders include Calvin B. Taylor Banking CompanyCalvin B. Taylor Banking Company9105 Coastal Hwy, Ocean City, MD 21842A+5.0 ★Texas Ratio: 4.46%, Shore United Bank, N.A.Shore United Bank, N.A.3409 Coastal Hwy, Ocean City, MD 21842A5.0 ★Texas Ratio: 9.61%, Bank of America NABank of America NA4401 Coastal Hwy, Ocean City, MD 21842A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank4604 Coastal Hwy, Ocean City, MD 21842A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.12910 Coastal Hwy, Ocean City, MD 21842A+5.0 ★Texas Ratio: 4.24%, BayVanguard BankBayVanguard Bank501 S Stepney Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 2.09%, The Farmers Bank of WillardsThe Farmers Bank of Willards12831 Coastal Hwy, Ocean City, MD 21842A5.0 ★Texas Ratio: 6.46%, First Shore Federal Savings and Loan AssociationFirst Shore Federal Savings and Loan Association310 Franklin Ave, Berlin, MD 21811, Capital Bank, N.A.Capital Bank, N.A.6711 Columbia Gateway Dr, Columbia, MD 21046A-5.0 ★Texas Ratio: 15.49%, and Point Breeze Credit UnionPoint Breeze Credit Union5 Philadelphia Ct, Baltimore, MD 21237A+5.0 ★Texas Ratio: 1.64%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Ocean City, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean City are listed first, then lenders elsewhere in Maryland, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Ocean City, Maryland

Market share is the lender's share of all home loans closed in Ocean City, Maryland. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Calvin B. Taylor Banking Company 3 offices in Ocean City 9105 Coastal Hwy, Ocean City, MD 21842 A+5.0 ★Texas Ratio: 4.46%	Conventional	12	1.6%	81.2%	$344,166	View
Shore United Bank, N.A. 2 offices in Ocean City 3409 Coastal Hwy, Ocean City, MD 21842 A5.0 ★Texas Ratio: 9.61%	Conventional	12	1.6%	92.3%	$330,000	View
Bank of America NA 1 office in Ocean City 4401 Coastal Hwy, Ocean City, MD 21842 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	6 +8 HELOCs	0.8%	75%	$515,000	View
Truist Bank ★ 1 stars, 1 review 1 office in Ocean City 4604 Coastal Hwy, Ocean City, MD 21842 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	5 +8 HELOCs	0.7%	100%	$645,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Ocean City 12910 Coastal Hwy, Ocean City, MD 21842 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	1 +8 HELOCs	0.1%	100%	$855,000	View
BayVanguard Bank 501 S Stepney Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 2.09%	Conventional	14	1.9%	100%	$343,571	View
The Farmers Bank of Willards 12831 Coastal Hwy, Ocean City, MD 21842 A5.0 ★Texas Ratio: 6.46%	Conventional	13	1.8%	92.9%	$295,769	View
First Shore Federal Savings and Loan Association 310 Franklin Ave, Berlin, MD 21811	Conventional	13	1.8%	100%	$251,923
Capital Bank, N.A. 6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49%	Conventional	8	1.1%	100%	$397,500	View
Point Breeze Credit Union 5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64%	Conventional	8	1.1%	100%	$368,750	View
M&T Bank 207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo, HELOC	7 +4 HELOCs	1%	100%	$492,142	View
Wells Fargo Bank NA 400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.8%	85.7%	$328,333	View
Fulton Bank, National Association 96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85%	Conventional, Jumbo, HELOC	5 +2 HELOCs	0.7%	83.3%	$429,000	View
First National Bank of PA 3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62%	Conventional, HELOC	4 +5 HELOCs	0.5%	100%	$255,000	View
Atlantic Union Bank 166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	4 +2 HELOCs	0.5%	100%	$280,000	View
Arundel Federal Savings Bank ★ 5 stars, 1 review 2661 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.77%	Conventional	4	0.5%	100%	$402,500	View
State Employees Credit Union of MD 10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00%	Conventional, HELOC	3 +1 HELOCs	0.4%	100%	$361,666
Tower Federal Credit Union 810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97%	Conventional, HELOC	2 +15 HELOCs	0.3%	50%	$330,000
Aberdeen Proving Ground FCU 996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35%	Conventional, HELOC	2 +4 HELOCs	0.3%	100%	$205,000	View
Jarrettsville Federal Savings & Loan Association 3706 Norrisville Rd, Jarrettsville, MD 21084 A+5.0 ★Texas Ratio: 2.21%	Conventional	2	0.3%	100%	$350,000	View
Hebron Savings Bank 6 Cedar St, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 0.82%	Conventional	2	0.3%	100%	$375,000	View
Acnb Bank 2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55%	Conventional	2	0.3%	100%	$500,000	View
Lower, LLC 810 Bestgate Rd, Annapolis, MD 21401	Conventional	2	0.3%	100%	$530,000
The Peoples Bank 5530 Wisconsin Ave, Chevy Chase, MD 20815 A+5.0 ★Texas Ratio: 3.39%	Conventional	1	0.1%	100%	$145,000	View
JPMorgan Chase Bank, NA 920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	33.3%	$245,000	View
Harford Bank 8 W Bel Air Ave, Aberdeen, MD 21001 A5.0 ★Texas Ratio: 7.13%	Conventional	1	0.1%	100%	$55,000	View
Wesbanco Bank, Inc. 2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87%	Conventional	1	0.1%	100%	$415,000	View
Educational Systems FCU 2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40%	Conventional	1	0.1%	100%	$595,000	View
Presidential Bank, FSB 4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48%	Conventional	1	0.1%	100%	$365,000	View
Univest Bank and Trust Co. 175 W Ostend Street, Baltimore, MD 21230 A5.0 ★Texas Ratio: 6.10%	Conventional	1	0.1%	100%	$545,000	View
Johns Hopkins FCU 1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64%	Conventional	1	0.1%	100%	$555,000	View
Lafayette Federal Credit Union 7537 Greenbelt Rd, Greenbelt, MD 20770 3403	Conventional	1	0.1%	100%	$555,000
First United Bank & Trust 207 N Main St, Boonsboro, MD 21713 A+5.0 ★Texas Ratio: 2.11%	Conventional	1	0.1%	100%	$335,000	View
First Financial of Maryland Federal Credit Union 8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01%	Conventional	1	0.1%	100%	$255,000	View
Middletown Valley Bank 6721 Old National Pike, Boonsboro, MD 21713 A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$725,000	View
Rosedale Bank 3111 Emmorton Rd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 1.98%	Conventional	1	0.1%	100%	$165,000	View
Citizens Bank, NA 7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +7 HELOCs	0%	0%		View
TD Bank 2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71%	HELOC	0 +3 HELOCs	0%	n/a		View
Direct Mortgage Loans, LLC	Conventional, FHA	56	7.6%	98.3%	$311,428
Nfm, Inc	Conventional	34	4.6%	100%	$313,235
First Home Mortgage A+5.0 ★Texas Ratio: 0.00%	Conventional	16	2.2%	100%	$331,875	View
My Mortgage, Inc	Conventional	2	0.3%	100%	$410,000
Bay Capital Mortgage Corporation	Conventional	2	0.3%	100%	$250,000
Freedom of Maryland Federal Cr	Conventional	2	0.3%	100%	$395,000
Bayshore Mortgage Funding	Conventional	1	0.1%	100%	$315,000
Credence Funding Corporation	Conventional	1	0.1%	100%	$365,000
The Mortgage Link, Inc.	Conventional	1	0.1%	100%	$125,000
Movement Mortgage, LLC	Conventional, Jumbo, HELOC	78 +5 HELOCs	10.6%	97.7%	$359,615
Cmg Mortgage Inc	Conventional, HELOC	67 +2 HELOCs	9.1%	98.7%	$364,104
Rocket Mortgage	Conventional	38	5.2%	71.7%	$290,526
Embrace Home Loans, Inc.	Conventional, Jumbo	21	2.9%	91.7%	$390,714
Lennar Mortgage, LLC	Conventional	20	2.7%	100%	$438,500
Guaranteed Rate Affinity, LLC	Conventional	14	1.9%	100%	$336,428
SWBC Mortgage Corporation	Conventional, Jumbo	14	1.9%	100%	$322,857
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	13	1.8%	100%	$361,923	View
United Wholesale Mortgage	Conventional, VA, Jumbo	11	1.5%	73.3%	$375,909
Newrez LLC	Conventional	11	1.5%	73.3%	$277,727
Prosperity Home Mortgage, LLC	Conventional	11	1.5%	91.7%	$275,000
Pennymac Loan Services LLC	Conventional, Jumbo	8	1.1%	88.9%	$382,500
The Loan Store, Inc	Conventional, HELOC	7 +2 HELOCs	1%	100%	$430,714
Primary Residential Mortgage, INC.	Conventional, Jumbo	7	1%	100%	$585,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	6 +2 HELOCs	0.8%	66.7%	$413,333	View
Primelending	Conventional	6	0.8%	100%	$201,666
TowneBank	Conventional	6	0.8%	100%	$353,333
Fairway Independent Mort Corp	Conventional	5	0.7%	83.3%	$321,000
Meridian Bank C3.9 ★Texas Ratio: 27.97%	Conventional, Jumbo	4	0.5%	100%	$457,500	View
CrossCountry Mortgage, LLC	Conventional	4	0.5%	80%	$420,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	3	0.4%	100%	$368,333	View
Guaranteed Rate, Inc.	Conventional	3	0.4%	75%	$271,666
Atlantic Coast Mortgage, LLC	Conventional	3	0.4%	100%	$285,000
Guild Mortgage Company	Conventional, VA	3	0.4%	100%	$468,333
Das Acquisition Company, LLC	Conventional	3	0.4%	100%	$295,000
First Savings Mortgage Corporation	Conventional	3	0.4%	100%	$385,000
Linkbank	Conventional	3	0.4%	80%	$315,000
Vellum Mortgage, Inc.	Conventional	3	0.4%	100%	$335,000
Tidemark Federal Credit Union A+5.0 ★Texas Ratio: 1.21%	Conventional	3	0.4%	100%	$455,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	3	0.4%	75%	$548,333	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	3	0.4%	75%	$818,333	View
WSFS bank A+5.0 ★Texas Ratio: 3.10%	Conventional, HELOC	2 +2 HELOCs	0.3%	50%	$290,000	View
EMM Loans LLC	Conventional	2	0.3%	100%	$375,000
Cornerstone First Mortgage, LLC	Conventional	2	0.3%	100%	$290,000
Success Lending, LLC	Conventional	2	0.3%	100%	$260,000
Kind Lending, LLC	Conventional	2	0.3%	100%	$340,000
Loansteady LLC	Conventional	2	0.3%	100%	$295,000
Valon Mortgage	Conventional	2	0.3%	100%	$235,000
HomeXpress Mortgage Corp.	Conventional	2	0.3%	66.7%	$420,000
First Heritage Mortgage, LLC	Conventional	2	0.3%	100%	$520,000
Sierra Pacific Mortgage Co. Inc	Conventional	2	0.3%	66.7%	$380,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo	2	0.3%	100%	$715,000
Nationstar Mortgage	Conventional	2	0.3%	100%	$215,000
Pentagon Federal Credit Union	Conventional	2	0.3%	40%	$355,000
Pike Creek Mortgage Services, Inc.	Conventional	2	0.3%	100%	$385,000
Zillow Home Loans, LLC	Conventional	2	0.3%	100%	$250,000
New American Funding, LLC.	Conventional	2	0.3%	40%	$330,000
Corning Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$475,000
Spring Eq, LLC	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	16.7%	$425,000
Bank of England A5.0 ★Texas Ratio: 6.45%	Conventional	1	0.1%	100%	$415,000	View
Citadel Federal Credit Union	Conventional	1	0.1%	100%	$105,000
Members 1St FCU	Conventional	1	0.1%	50%	$185,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	100%	$175,000	View
Equity Resources Inc	Conventional	1	0.1%	100%	$795,000
Tidewater Mortgage Services, Inc	Conventional	1	0.1%	50%	$665,000
CommonWealth One Federal Credit Union	Conventional	1	0.1%	100%	$405,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.1%	100%	$285,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0.1%	100%	$185,000
Freedom Mortgage Corporation	FHA	1	0.1%	50%	$405,000
Sage Home Loans Corporation	Conventional	1	0.1%	100%	$655,000
Envoy Mortgage, Ltd	Conventional	1	0.1%	50%	$295,000
Nbkc Bank	Conventional	1	0.1%	100%	$495,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$215,000
loanDepot.com LLC	Conventional	1	0.1%	100%	$265,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.1%	100%	$115,000
PHH Mortgage Corporation	Conventional	1	0.1%	100%	$415,000
Resicentral LLC	Conventional	1	0.1%	100%	$255,000
Amerisave Mortgage Company	Conventional	1	0.1%	20%	$85,000
ResMac Inc	Conventional	1	0.1%	100%	$275,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	1	0.1%	100%	$255,000	View
Absolute Home Mortgage	Conventional	1	0.1%	100%	$535,000
Intercoastal Mortgage, LLC	Conventional	1	0.1%	100%	$285,000
Nation One Mortgage Corporatio	Conventional	1	0.1%	50%	$175,000
Union Home Mortgage Corp.	Conventional	1	0.1%	100%	$255,000
Bay Equity LLC	Conventional	1	0.1%	100%	$135,000
Strong Home Mortgage, LLC	Conventional	1	0.1%	100%	$285,000
Total Mortgage Services, LLC	Conventional	1	0.1%	100%	$315,000
Encompass Lending Group, L.P.	Conventional	1	0.1%	100%	$245,000
Southern Trust Mortgage, LLC	Conventional	1	0.1%	100%	$305,000
Nations Lending Corporation	VA	1	0.1%	66.7%	$285,000
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$625,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$335,000
Ithink Financial Credit Union	Conventional	1	0.1%	100%	$385,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$535,000	View
Mortgage Research Center	Conventional	1	0.1%	100%	$275,000
Mortgage Solutions of Colorado	VA	1	0.1%	100%	$505,000
Logan Finance Corporation	Conventional, Jumbo	1	0.1%	100%	$1,275,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$335,000	View
Mutual of Omaha Mortgage	Conventional	1	0.1%	100%	$585,000
Fidelity Deposit & Discount Bank A+5.0 ★Texas Ratio: 0.53%	Conventional	1	0.1%	100%	$295,000	View
ClearEdge Lending LLC	Conventional	1	0.1%	100%	$555,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	1	0.1%	100%	$155,000
State Departmenet Federal Credit Union	Conventional	1	0.1%	100%	$35,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	50%	$625,000	View
Toyota Financial Savings Bank	Conventional	1	0.1%	100%	$285,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.1%	100%	$65,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.1%	100%	$455,000	View
S&T Bank A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0.1%	100%	$285,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	100%	$205,000
Artisans' Bank	Conventional	1	0.1%	100%	$465,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$455,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.1%	100%	$305,000	View
Figure Lending LLC	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Firstrust Savings Bank	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	0%
Justice Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Ocean City Mortgage Rate Trends

Daily average mortgage rates for Maryland compared with the national average, updated every evening.

30-Year Fixed MD Avg

7.259%

▲ 0.075 vs 7 days ago

15-Year Fixed MD Avg

6.805%

▲ 0.055 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Ocean City, Maryland

Looking for mortgage lenders near me or mortgage brokers near me in Ocean City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean City in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Ocean City, MD

Use these to narrow the list above. Each category shows how many Ocean City, MD lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 80 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 54 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 21 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 2 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 5 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 18 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MD 33 lenders headquartered in Maryland, the closest thing to a mortgage lender near you

Who Lends in Ocean City, MD

Independent mortgage companies closed 69.6 percent of home loans in Ocean City, Maryland in 2025, banks 25 percent and credit unions 5.4 percent. Lower, LLC was the largest mortgage company, Calvin B. Taylor Banking Company the largest bank and Point Breeze Credit Union the largest credit union. Among lenders headquartered in Maryland, Calvin B. Taylor Banking Company led with 12 loans.

69.6%

Mortgage companies

25%

Banks

5.4%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Attorneys customarily handle closings in Maryland. State transfer tax of 0.5 percent of the price (0.25 percent, paid by the seller, when the buyer is a first time Maryland homebuyer), plus county transfer taxes of 0 to 1.5 percent and county recordation taxes on deeds and mortgages ranging from about $5 to $14 per $1,000, with Montgomery County using tiered rates up to 2.27 percent above $1 million.

More Maryland Mortgage Lender Pages

All Maryland lenders 631 lenders Baltimore 316 lenders Frederick 198 lenders Waldorf 193 lenders Columbia 218 lenders Bowie 190 lenders Ellicott City 184 lenders Glen Burnie 186 lenders Bel Air South 158 lenders Germantown 179 lenders Odenton 173 lenders Pasadena 160 lenders Dundalk 146 lenders

Frequently Asked Questions About Mortgage Lenders in Ocean City, MD

Who is the largest mortgage lender in Ocean City, MD?

By home loans closed in 2025, Calvin B. Taylor Banking Company was the largest mortgage lender in Ocean City, Maryland with 12 loans, about 1.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Ocean City, MD have the highest approval rates?

Among lenders with meaningful volume in Ocean City, Maryland, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 98.7 percent, against a 90.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Ocean City, MD mortgage lenders offer FHA, VA and USDA loans?

2 lenders closed FHA loans in Ocean City, Maryland in 2025, led by Direct Mortgage Loans, LLC with 2. 5 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Ocean City, MD lender list?

Yes. 54 banks and 21 credit unions closed home loans in Ocean City, Maryland in 2025, alongside 80 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Ocean City, MD ranked on this page?

Lenders are ranked only by the number of home loans they closed in Ocean City, Maryland during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ocean City, Maryland for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ocean City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.