Mortgage Lenders and Brokers in Ocean Pines, Maryland
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ocean Pines, Maryland mortgage lenders include Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, First Shore Federal Savings and Loan AssociationFirst Shore Federal Savings and Loan Association310 Franklin Ave, Berlin, MD 21811, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, Wells Fargo Bank NAWells Fargo Bank NA400 Constant Friendship Blvd, Abingdon, MD 21009A+5.0 ★Texas Ratio: 5.36%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028A+5.0 ★Texas Ratio: 2.01%, State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%, Citizens Bank, NACitizens Bank, NA7637 Old Georgetown Rd, Bethesda, MD 20814A+5.0 ★Texas Ratio: 5.44%, and Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%. 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 Pines, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean Pines 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 Pines, Maryland
Market share is the lender's share of all home loans closed in Ocean Pines, 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 |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 6 +9 HELOCs |
1.4% | 85.7% | $311,666 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 6 | 1.4% | 87.5% | $433,333 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA, USDA | 6 | 1.4% | 100% | $366,666 | View |
First Shore Federal Savings and Loan Association
310 Franklin Ave, Berlin, MD 21811 |
Conventional | 6 | 1.4% | 75% | $261,666 | |
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 4 +15 HELOCs |
1% | 100% | $285,000 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 4 | 1% | 100% | $327,500 | View |
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8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 3 | 0.7% | 100% | $271,666 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 2 +8 HELOCs |
0.5% | 100% | $190,000 | |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +5 HELOCs |
0.5% | 100% | $145,000 | View |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, Jumbo, HELOC | 2 +4 HELOCs |
0.5% | 100% | $600,000 | |
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166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
Conventional | 2 | 0.5% | 100% | $255,000 | View |
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24 N Main St, Berlin, MD 21811 A+5.0 ★Texas Ratio: 4.46% |
Conventional, Jumbo | 2 | 0.5% | 66.7% | $805,000 | View |
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12831 Coastal Hwy, Ocean City, MD 21842 A5.0 ★Texas Ratio: 6.46% |
Conventional | 2 | 0.5% | 75% | $285,000 | View |
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501 S Stepney Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 2.09% |
Conventional | 2 | 0.5% | 100% | $505,000 | View |
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996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35% |
Conventional | 2 | 0.5% | 100% | $275,000 | View |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +13 HELOCs |
0.2% | 100% | $215,000 | View |
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2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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3706 Norrisville Rd, Jarrettsville, MD 21084 A+5.0 ★Texas Ratio: 2.21% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
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5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
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2 N Market St, Frederick, MD 21701 A+5.0 ★Texas Ratio: 2.55% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.2% | 100% | $75,000 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Direct Mortgage Loans, LLC
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Conventional, FHA | 15 | 3.6% | 94.1% | $301,666 | |
Nfm, Inc
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Conventional | 12 | 2.9% | 100% | $311,666 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 10 | 2.4% | 90.9% | $359,000 | View |
Bay Capital Mortgage Corporation
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Conventional | 3 | 0.7% | 60% | $305,000 | |
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A5.0 ★Texas Ratio: 7.57% |
Conventional | 1 | 0.2% | 100% | $475,000 | View |
The Mortgage Link, Inc.
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Conventional | 1 | 0.2% | 100% | $395,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 40 | 9.6% | 86% | $227,750 | |
Movement Mortgage, LLC
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Conventional, FHA, VA, HELOC | 37 +3 HELOCs |
8.9% | 100% | $307,432 | |
Nvr Mortgage Finance, Inc.
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Conventional, VA | 31 | 7.5% | 81.6% | $449,516 | |
Embrace Home Loans, Inc.
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Conventional, FHA, VA | 27 | 6.5% | 96.7% | $290,185 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 16 | 3.8% | 100% | $326,250 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
3.6% | 84.2% | $363,666 | |
Pennymac Loan Services LLC
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Conventional, VA | 8 | 1.9% | 88.9% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 7 +4 HELOCs |
1.7% | 77.8% | $222,142 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 6 | 1.4% | 100% | $343,333 | |
Primelending
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Conventional, VA | 6 | 1.4% | 100% | $466,666 | |
SWBC Mortgage Corporation
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Conventional, FHA | 6 | 1.4% | 100% | $410,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 5 | 1.2% | 100% | $439,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 5 | 1.2% | 100% | $309,000 | |
Mortgage Research Center
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FHA, VA | 5 | 1.2% | 62.5% | $371,000 | |
First Savings Mortgage Corporation
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Conventional, Jumbo | 4 | 1% | 100% | $402,500 | |
Nationstar Mortgage
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Conventional | 4 | 1% | 100% | $227,500 | |
Pentagon Federal Credit Union
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Conventional, VA, HELOC | 3 +1 HELOCs |
0.7% | 75% | $335,000 | |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.7% | 75% | $55,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 0.7% | 100% | $445,000 | |
Newrez LLC
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Conventional | 3 | 0.7% | 60% | $155,000 | |
Envoy Mortgage, Ltd
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Conventional | 3 | 0.7% | 75% | $428,333 | |
The Loan Store, Inc
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Conventional | 3 | 0.7% | 100% | $288,333 | |
TowneBank
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Conventional | 3 | 0.7% | 100% | $238,333 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 3 | 0.7% | 75% | $271,666 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 3 | 0.7% | 100% | $308,333 | |
New American Funding, LLC.
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Conventional | 3 | 0.7% | 75% | $288,333 | |
Fairway Independent Mort Corp
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Conventional | 3 | 0.7% | 100% | $441,666 | |
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★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82% |
Conventional | 3 | 0.7% | 100% | $218,333 | View |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.5% | 100% | $320,000 | |
Success Lending, LLC
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Conventional, VA | 2 | 0.5% | 100% | $310,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.5% | 100% | $315,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.5% | 100% | $265,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.5% | 100% | $370,000 | |
Total Mortgage Services, LLC
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Conventional | 2 | 0.5% | 100% | $325,000 | |
Provident Funding Associates
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Conventional | 2 | 0.5% | 100% | $285,000 | |
Vellum Mortgage, Inc.
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Conventional | 2 | 0.5% | 100% | $250,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional | 2 | 0.5% | 100% | $205,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 2 | 0.5% | 66.7% | $560,000 | View |
Paramount Residential Mortgage
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Conventional | 2 | 0.5% | 100% | $235,000 | |
Angel Oak Mortgage Solutions LLC
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Conventional | 2 | 0.5% | 66.7% | $335,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.2% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $315,000 | View |
EMM Loans LLC
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Conventional | 1 | 0.2% | 50% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 50% | $65,000 | View |
Equity Resources Inc
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Conventional | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional, Jumbo | 1 | 0.2% | 100% | $965,000 | View |
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A5.0 ★Texas Ratio: 6.67% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Sun East Federal Credit Union
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Conventional | 1 | 0.2% | 50% | $85,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Oaktree Funding Corp
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Conventional | 1 | 0.2% | 50% | $355,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 14.3% | $35,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.2% | 100% | $675,000 | |
Credit Union Mortgage Associat
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Conventional | 1 | 0.2% | 100% | $555,000 | |
Franklin Mint Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $675,000 | |
Linkbank
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Conventional | 1 | 0.2% | 33.3% | $65,000 | |
Aurora Financial, LLC
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Conventional | 1 | 0.2% | 100% | $435,000 | |
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A5.0 ★Texas Ratio: 9.21% |
Conventional | 1 | 0.2% | 100% | $545,000 | View |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $355,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 40% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $285,000 | |
T2 Financial LLC
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VA | 1 | 0.2% | 100% | $385,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.2% | 100% | $415,000 | |
Agriculture Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
Four Points Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $345,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.2% | 100% | $295,000 | |
HomeSale Mortgage
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Upper Darby Belltelco FCU
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Conventional | 1 | 0.2% | 100% | $35,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.2% | 100% | $325,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $365,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Del-One Federal Credti Union
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HELOC | 0 +2 HELOCs |
0% | 50% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Langley Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.79% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Affinity Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ocean Pines Mortgage Rate Trends
Daily average mortgage rates for Maryland compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ocean Pines, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Ocean Pines? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean Pines in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean Pines, MD
Use these to narrow the list above. Each category shows how many Ocean Pines, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean Pines, MD
Independent mortgage companies closed 74.3 percent of home loans in Ocean Pines, Maryland in 2025, banks 18.3 percent and credit unions 7.5 percent. Direct Mortgage Loans, LLC was the largest mortgage company, Truist Bank the largest bank and First Financial of Maryland Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. led with 6 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
Frequently Asked Questions About Mortgage Lenders in Ocean Pines, MD
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Ocean Pines, Maryland with 6 loans, about 1.4 percent of the market. The largest lender headquartered in Maryland was Shore United Bank, N.A. with 6 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
22 lenders closed FHA loans in Ocean Pines, Maryland in 2025, led by Rocket Mortgage with 3. 16 lenders closed VA loans, led by Nvr Mortgage Finance, Inc., and 1 closed USDA rural loans. 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.
Yes. 34 banks and 24 credit unions closed home loans in Ocean Pines, Maryland in 2025, alongside 57 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.
Lenders are ranked only by the number of home loans they closed in Ocean Pines, 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 Pines, 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 Pines. 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.
