Mortgage Lenders and Brokers in Oxford, Maryland
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Oxford, Maryland mortgage lenders include Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, Fulton Bank, National AssociationFulton Bank, National Association96 Village Sq, Baltimore, MD 21210A+5.0 ★Texas Ratio: 4.85%, Capital Bank, N.A.Capital Bank, N.A.6711 Columbia Gateway Dr, Columbia, MD 21046A-5.0 ★Texas Ratio: 15.49%, Queenstown Bank of MarylandQueenstown Bank of Maryland110 Dorchester Avenue, Cambridge, MD 21613A+5.0 ★Texas Ratio: 0.78%, Tower Federal Credit UnionTower Federal Credit Union810 Bestgate Rd, Annapolis, MD 21401A+5.0 ★Texas Ratio: 1.97%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, PNC Bank N.A.PNC Bank N.A.1004 Beards Hill Rd, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.24%, BayVanguard BankBayVanguard Bank104 Factory St, Oxford, MD 21654A+5.0 ★Texas Ratio: 2.09%, Nasa Federal Credit UnionNasa Federal Credit Union2452 Solomons Island Rd, Annapolis, MD 21401 3709A+5.0 ★Texas Ratio: 3.54%, and Educational Systems FCUEducational Systems FCU2625 Riva Rd Ste C, Annapolis, MD 21401 7375A+5.0 ★Texas Ratio: 3.40%. 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 Oxford, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oxford 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 Oxford, Maryland
Market share is the lender's share of all home loans closed in Oxford, 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 |
|---|---|---|---|---|---|---|
|
200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, VA, Jumbo | 11 | 10.6% | 84.6% | $303,181 | View |
|
96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 100% | $490,000 | View |
|
6711 Columbia Gateway Dr, Columbia, MD 21046 A-5.0 ★Texas Ratio: 15.49% |
FHA | 2 | 1.9% | 100% | $500,000 | View |
|
110 Dorchester Avenue, Cambridge, MD 21613 A+5.0 ★Texas Ratio: 0.78% |
Conventional | 2 | 1.9% | 100% | $320,000 | View |
|
810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $335,000 | |
|
207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $805,000 | View |
|
★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
1% | 100% | $275,000 | View |
|
104 Factory St, Oxford, MD 21654 A+5.0 ★Texas Ratio: 2.09% |
Conventional, Jumbo | 1 | 1% | 100% | $2,405,000 | View |
|
2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 1% | 100% | $85,000 | View |
|
2625 Riva Rd Ste C, Annapolis, MD 21401 7375 A+5.0 ★Texas Ratio: 3.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
7815 Woodmont Ave, Bethesda, MD 20814 A5.0 ★Texas Ratio: 7.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA, USDA | 5 | 4.8% | 100% | $529,000 | View |
Bayshore Mortgage Funding
|
Conventional, FHA | 2 | 1.9% | 100% | $205,000 | |
Nfm, Inc
|
Conventional, VA | 2 | 1.9% | 100% | $395,000 | |
Bay Capital Mortgage Corporation
|
Conventional | 2 | 1.9% | 100% | $450,000 | |
Direct Mortgage Loans, LLC
|
FHA | 1 | 1% | 100% | $295,000 | |
Lennar Mortgage, LLC
|
Conventional, FHA, VA, USDA | 13 | 12.5% | 82.4% | $282,692 | |
loanDepot.com LLC
|
Conventional, FHA, Jumbo, HELOC | 11 +1 HELOCs |
10.6% | 84.6% | $565,000 | |
Rocket Mortgage
|
Conventional | 9 | 8.7% | 100% | $265,000 | |
ALCOVA Mortgage, LLC
|
Conventional, FHA, VA | 4 | 3.8% | 100% | $485,000 | |
United Wholesale Mortgage
|
Conventional | 2 | 1.9% | 100% | $275,000 | |
Mortgage Research Center
|
VA | 2 | 1.9% | 100% | $515,000 | |
Radius Financial Group Inc
|
Conventional | 2 | 1.9% | 100% | $315,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 1% | 100% | $565,000 | |
|
A+5.0 ★Texas Ratio: 4.32% |
Conventional, Jumbo | 1 | 1% | 100% | $2,145,000 | View |
SWBC Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $455,000 | |
Freedom Mortgage Corporation
|
Conventional | 1 | 1% | 33.3% | $425,000 | |
Newrez LLC
|
Conventional | 1 | 1% | 100% | $755,000 | |
Equity Prime Mortgage LLC
|
USDA | 1 | 1% | 100% | $255,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 1% | 100% | $295,000 | |
Loanunited.Com, LLC
|
VA | 1 | 1% | 100% | $555,000 | |
Pennymac Loan Services LLC
|
Conventional | 1 | 1% | 100% | $45,000 | |
Deephaven Mortgage LLC
|
Conventional | 1 | 1% | 100% | $625,000 | |
Cmg Mortgage Inc
|
FHA | 1 | 1% | 100% | $415,000 | |
First Savings Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $255,000 | |
First Heritage Mortgage, LLC
|
Conventional | 1 | 1% | 100% | $205,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1% | 100% | $405,000 | View |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 1% | 100% | $255,000 | View |
Embrace Home Loans, Inc.
|
FHA | 1 | 1% | 100% | $495,000 | |
Sierra Pacific Mortgage Co. Inc
|
Conventional | 1 | 1% | 100% | $555,000 | |
Better Mortgage Corporation
|
Conventional | 1 | 1% | 100% | $95,000 | |
Philadelphia Federal Credit Un
|
Conventional | 1 | 1% | 100% | $45,000 | |
Keystone Funding, Inc
|
Conventional | 1 | 1% | 100% | $435,000 | |
TowneBank
|
Conventional | 1 | 1% | 100% | $165,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 1% | 100% | $275,000 | |
Horizon Farm Credit, ACA
|
Conventional | 1 | 1% | 100% | $295,000 | |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1% | 100% | $655,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1% | 33.3% | $105,000 | View |
Luxury Mortgage Corp.
|
Conventional | 1 | 1% | 100% | $405,000 | |
Village Capital & Investment
|
VA | 1 | 1% | 100% | $405,000 | |
|
A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Oxford 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 Oxford, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Oxford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oxford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oxford, MD
Use these to narrow the list above. Each category shows how many Oxford, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Oxford, MD
Independent mortgage companies closed 72.1 percent of home loans in Oxford, Maryland in 2025, banks 25 percent and credit unions 2.9 percent. First Home Mortgage was the largest mortgage company, Shore United Bank, N.A. the largest bank and Tower Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. led with 11 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 Oxford, MD
By home loans closed in 2025, Shore United Bank, N.A. was the largest mortgage lender in Oxford, Maryland with 11 loans, about 10.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Oxford, Maryland in 2025, led by Lennar Mortgage, LLC with 7. 8 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 19 banks and 6 credit unions closed home loans in Oxford, Maryland in 2025, alongside 33 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 Oxford, 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 Oxford, 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 Oxford. 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.
