Mortgage Lenders and Brokers in West Ocean City, 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
West Ocean City, Maryland mortgage lenders include 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, TD BankTD Bank2103 Commerce Park Dr, Annapolis, MD 21401A+5.0 ★Texas Ratio: 3.71%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA920 Bay Ridge Rd, Annapolis, MD 21403A+5.0 ★Texas Ratio: 3.68%, Calvin B. Taylor Banking CompanyCalvin B. Taylor Banking Company24 N Main St, Berlin, MD 21811A+5.0 ★Texas Ratio: 4.46%, Point Breeze Credit UnionPoint Breeze Credit Union5 Philadelphia Ct, Baltimore, MD 21237A+5.0 ★Texas Ratio: 1.64%, and State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%. 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 West Ocean City, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West 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 West Ocean City, Maryland
Market share is the lender's share of all home loans closed in West 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 |
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12831 Coastal Hwy, Ocean City, MD 21842 A5.0 ★Texas Ratio: 6.46% |
Conventional, Jumbo | 9 | 3.8% | 100% | $368,333 | View |
First Shore Federal Savings and Loan Association
310 Franklin Ave, Berlin, MD 21811 |
Conventional, Jumbo | 7 | 2.9% | 90% | $416,428 | |
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2103 Commerce Park Dr, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 4 | 1.7% | 100% | $447,500 | View |
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★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
1.3% | 100% | $441,666 | View |
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122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.3% | 100% | $711,666 | View |
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200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, Jumbo | 3 | 1.3% | 75% | $901,666 | View |
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920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $280,000 | View |
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24 N Main St, Berlin, MD 21811 A+5.0 ★Texas Ratio: 4.46% |
Conventional | 2 | 0.8% | 50% | $445,000 | View |
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5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 2 | 0.8% | 100% | $535,000 | View |
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10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, HELOC | 1 +4 HELOCs |
0.4% | 50% | $235,000 | |
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7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $105,000 | View |
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96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $395,000 | View |
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4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 50% | $285,000 | View |
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3111 Emmorton Rd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 1.98% |
Conventional | 1 | 0.4% | 100% | $355,000 | View |
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★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +11 HELOCs |
0% | n/a | View | |
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810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +6 HELOCs |
0% | n/a | ||
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207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Direct Mortgage Loans, LLC
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Conventional, FHA | 10 | 4.2% | 100% | $349,000 | |
Nfm, Inc
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Conventional, FHA | 6 | 2.5% | 100% | $241,666 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 3 | 1.3% | 100% | $358,333 | View |
Cazle Mortgage, Inc.
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FHA | 1 | 0.4% | 100% | $445,000 | |
Fidelity Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $385,000 | |
Bay Capital Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $445,000 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA | 39 | 16.3% | 79.6% | $333,974 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 15 +1 HELOCs |
6.3% | 100% | $417,000 | |
Rocket Mortgage
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Conventional | 14 | 5.9% | 75% | $255,000 | |
Cmg Mortgage Inc
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Conventional, FHA, Jumbo | 14 | 5.9% | 100% | $480,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 9 | 3.8% | 90% | $357,222 | |
Embrace Home Loans, Inc.
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Conventional, VA | 8 | 3.3% | 100% | $492,500 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 5 +1 HELOCs |
2.1% | 83.3% | $383,000 | View |
Pennymac Loan Services LLC
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Conventional | 5 | 2.1% | 100% | $273,000 | |
Linkbank
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Conventional, Jumbo | 5 | 2.1% | 100% | $445,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 1.7% | 100% | $495,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 1.7% | 100% | $190,000 | |
Primelending
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Conventional | 3 | 1.3% | 100% | $308,333 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 3 | 1.3% | 100% | $355,000 | View |
Newrez LLC
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Conventional | 3 | 1.3% | 50% | $438,333 | |
Amerisave Mortgage Company
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Conventional | 3 | 1.3% | 50% | $121,666 | |
Nations Lending Corporation
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Conventional | 3 | 1.3% | 100% | $475,000 | |
SWBC Mortgage Corporation
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Conventional, VA, Jumbo | 2 | 0.8% | 100% | $825,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 0.8% | 100% | $235,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.8% | 100% | $520,000 | |
Nationstar Mortgage
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Conventional | 2 | 0.8% | 100% | $280,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.8% | 100% | $480,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.8% | 100% | $510,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $275,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 16.7% | $235,000 | |
EMM Loans LLC
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FHA | 1 | 0.4% | 100% | $455,000 | |
Members 1St FCU
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Tidewater Mortgage Services, Inc
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VA | 1 | 0.4% | 100% | $385,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Cliffco, Inc.
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Conventional | 1 | 0.4% | 100% | $805,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $785,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Success Lending, LLC
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Conventional | 1 | 0.4% | 100% | $455,000 | |
Nbkc Bank
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VA | 1 | 0.4% | 100% | $465,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 0.4% | 100% | $625,000 | View |
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A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
First Savings Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $255,000 | |
First Heritage Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 8.82% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,945,000 | View |
Keystone Funding, Inc
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Conventional | 1 | 0.4% | 100% | $535,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.4% | 33.3% | $685,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 0.4% | 100% | $325,000 | |
Del-One Federal Credti Union
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Conventional | 1 | 0.4% | 100% | $575,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $515,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $365,000 | View |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Figure Lending LLC
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HELOC | 0 +5 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Citadel Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Digital 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 | ||
Mutual of Omaha Mortgage
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | 0% | View |
West Ocean City 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 West Ocean City, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in West Ocean City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Ocean City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Ocean City, MD
Use these to narrow the list above. Each category shows how many West Ocean City, MD lenders fit and what that kind of lender is usually best for.
Who Lends in West Ocean City, MD
Independent mortgage companies closed 72 percent of home loans in West Ocean City, Maryland in 2025, banks 23 percent and credit unions 5 percent. Direct Mortgage Loans, LLC was the largest mortgage company, The Farmers Bank of Willards the largest bank and Point Breeze Credit Union the largest credit union. Among lenders headquartered in Maryland, The Farmers Bank of Willards led with 9 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 West Ocean City, MD
By home loans closed in 2025, The Farmers Bank of Willards was the largest mortgage lender in West Ocean City, Maryland with 9 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in West Ocean City, Maryland in 2025, led by Nvr Mortgage Finance, Inc. with 3. 7 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.
Yes. 28 banks and 14 credit unions closed home loans in West Ocean City, Maryland in 2025, alongside 44 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 West 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 West 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 West 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.
