Mortgage lenders in Worcester County
2,324 mortgages were made in Worcester County, Maryland, in 2025, by 317 lenders. The median rate their borrowers got was 6.875% on a median loan of $275,000. Of 3,161 decisions, 707 were denials — 22.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 165 | 6.990% | $295,000 | 5.3% |
| Rocket Mortgage, LLC | 153 | 6.990% | $205,000 | 22.3% |
| CMG MORTGAGE, INC. | 131 | 6.875% | $315,000 | 1.4% |
| DIRECT MORTGAGE LOANS, LLC | 92 | 6.875% | $290,000 | 2.9% |
| EMBRACE HOME LOANS, INC. | 88 | 6.990% | $305,000 | 5.1% |
| NVR Mortgage Finance, Inc. | 70 | 6.875% | $355,000 | 19.5% |
| NFM, INC. | 66 | 6.875% | $305,000 | 0.0% |
| PNC Bank, National Association | 59 | 7.890% | $105,000 | 42.7% |
| Manufacturers and Traders Trust Company | 56 | 5.990% | $105,000 | 32.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 6.125% | $325,000 | 20.3% |
| Truist Bank | 50 | 6.490% | $220,000 | 39.5% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 42 | 6.813% | $85,000 | 52.2% |
| FIRST HOME MORTGAGE CORPORATION | 39 | 6.750% | $295,000 | 2.5% |
| The Farmers Bank of Willards | 38 | Not published | $275,000 | 13.0% |
| Navy Federal Credit Union | 36 | 7.438% | $155,000 | 36.2% |
| Luminate Bank | 36 | 6.875% | $295,000 | 2.7% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | 35 | 6.400% | $275,000 | 20.0% |
| First Shore Federal Savings and Loan Association | 35 | Not published | $175,000 | 15.6% |
| Bank of America, National Association | 33 | 5.990% | $175,000 | 38.9% |
| TOWER Federal Credit Union | 31 | 7.000% | $125,000 | 28.9% |
| LENNAR MORTGAGE, LLC | 31 | 6.875% | $405,000 | 6.1% |
| PENNYMAC LOAN SERVICES, LLC | 29 | 6.624% | $245,000 | 14.7% |
| Shore United Bank, N.A. | 29 | 6.375% | $385,000 | 17.1% |
| GUARANTEED RATE AFFINITY, LLC | 28 | 6.963% | $295,000 | 0.0% |
| NEWREZ LLC | 24 | 6.688% | $205,000 | 38.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.975% | $270,000 | 7.7% |
| SWBC MORTGAGE CORPORATION | 24 | 6.688% | $325,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 6.813% | $310,000 | 4.0% |
| Prosperity Home Mortgage, LLC | 19 | 7.125% | $225,000 | 17.4% |
| Citizens Bank, National Association | 17 | 7.900% | $125,000 | 32.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 7.490% | $175,000 | 5.6% |
| BayVanguard Bank | 16 | Not published | $330,000 | 0.0% |
| FIGURE LENDING LLC | 15 | 8.050% | $85,000 | 24.1% |
| JPMorgan Chase Bank, National Association | 15 | 6.125% | $245,000 | 20.0% |
| AmeriSave Mortgage Corporation | 14 | 8.250% | $85,000 | 63.2% |
| Fulton Bank, National Association | 14 | 6.563% | $270,000 | 26.3% |
| Fairway Independent Mortgage Corporation | 14 | 6.933% | $320,000 | 17.7% |
| THE LOAN STORE, INC. | 14 | 7.370% | $285,000 | 5.9% |
| KIND LENDING, LLC | 14 | 6.990% | $280,000 | 6.7% |
| FREEDOM MORTGAGE CORPORATION | 13 | 5.750% | $345,000 | 6.7% |
| BAY CAPITAL MORTGAGE CORPORATION | 13 | 6.250% | $265,000 | 23.5% |
| Wells Fargo Bank, National Association | 13 | 6.625% | $265,000 | 31.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 13 | 6.625% | $335,000 | 7.1% |
| Towne Bank | 12 | 6.750% | $265,000 | 0.0% |
| SUCCESS LENDING, LLC | 12 | 6.933% | $330,000 | 0.0% |
| SPRING EQ, LLC | 11 | 8.800% | $105,000 | 73.2% |
| LINKBANK | 11 | Not published | $405,000 | 25.0% |
| Capital Bank, National Association | 11 | 6.875% | $455,000 | 8.3% |
| POINT BREEZE Credit Union | 11 | 5.500% | $385,000 | 8.3% |
| Mortgage Research Center, LLC | 10 | 6.250% | $310,000 | 33.3% |
| Wilmington Savings Fund Society, FSB | 10 | 6.495% | $250,000 | 28.6% |
| First National Bank of Pennsylvania | 10 | 6.495% | $290,000 | 23.1% |
| Cornerstone First Mortgage, Inc | 10 | 7.625% | $435,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 4.6% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Atlantic Union Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| TD Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 61.9% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Loandepot.Com, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 10.0% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Hebron Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEMARK FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Vellum Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 45.5% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| DEL-ONE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 40.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Atlantic Coast Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Arundel Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 63.6% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 76.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 75.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBERS 1ST | 3 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE MORTGAGE LINK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 16.7% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom of Maryland Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Jarrettsville Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| CITADEL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EDUCATIONAL SYSTEMS | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Integrity Home Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rosedale Federal Savings and Loan Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 95.8% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 78.6% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 71.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 60.0% |
| Sun East Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Firstrust Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Homesale Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AGRICULTURE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Upper Darby Belltelco Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 117 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Worcester County
31 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Calvin B. Taylor Banking Company of Berlin, Maryland | 8 | $692.5 million |
| Bank of Ocean City | 4 | $504.9 million |
| First Shore Federal Savings and Loan Association | 3 | $119.7 million |
| Truist Bank | 2 | $328.7 million |
| PNC Bank, National Association | 2 | $274.9 million |
| Manufacturers and Traders Trust Company | 2 | $153.9 million |
| The Farmers Bank of Willards | 2 | $83.6 million |
| Shore United Bank, National Association | 2 | $71.3 million |
| Hebron Savings Bank | 2 | $16.1 million |
| Bank of America, National Association | 1 | $206.9 million |
| Atlantic Union Bank | 1 | $78.3 million |
| Burke & Herbert Bank & Trust Company | 1 | $66.6 million |
| Woodforest National Bank | 1 | $4.3 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- LINKBANK, 201 B 26th Street, Ocean City
Get told when this changes
When the next year’s lending figures are out for Worcester County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.