Real estate · Small-town market · Maryland
Mortgage brokers and lenders in the Ocean Pines, MD area
Competitor counts, household spending and official business counts for mortgage brokers and lenders in the Ocean Pines, MD area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 32 out of 100: Lower middle
Ranked #151 of 177 scored small-town markets
#2 of 2 scored small-town markets based in Maryland
- Listings
- 25
- 7 chain locations (28%)
- Official establishments
- 7
- Businesses with payroll, 2023
- Household spending a year
- $386M
- On rent and homeowner costs · $15,993 a household
- Housing spending per listing (U.S. = 100)
- 40
- 60% below the U.S.
- Listings per 10k households
- 10.4
- 2.4 times the U.S.
- Population, 2025
- 54,459
- +3.7% since 2020
See the mortgage brokers and lenders around any address in the Ocean Pines area
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Ocean Pines area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
The Ocean Pines area scores 32 (lower middle) on the Groundwork market score for mortgage brokers and lenders, ranking #151 of 177 scored small-town markets and #2 of 2 scored small-town markets based in Maryland. That puts it in the bottom quarter of small-town markets.
As of September 2026, map listings count 25 mortgage brokers and lenders in the Ocean Pines area. 7 of them (28%) are chain locations, against 21% across the U.S. That is 10.4 per 10,000 households, 2.4 times the U.S. rate of 4.3.
Households in the Ocean Pines area spend about $386M a year on rent and homeowner costs, or $15,993 per household, 4% below the U.S. average. Housing spending per office is 60% below the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in.
In 2023, official counts showed 7 businesses with payroll in the Ocean Pines area classed as mortgage brokers and real estate lenders. That is one for every 3,448 households, against one for every 4,897 across the U.S. Population estimates show the Ocean Pines area grew 3.7% from 2020 to 2025, faster than the U.S. (+3.1%).
How the Ocean Pines area compares
The same measures for Maryland and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Ocean Pines area | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.4 | 4.6 | 4.3 |
| Housing spending per listing (U.S. = 100) | 40 | 98 | 100 |
| Households per official establishment | 3,448 | 4,242 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +5.9% | +9.5% |
| Population growth, 2020–2025 | +3.7% | +1.4% | +3.1% |
| Spending per household on rent and homeowner costs | $15,993 | $17,488 | $16,661 |
| Median household income | $81,745 | $103,678 | $80,734 |
| Groundwork market score | 32 | 39 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 7
- Employees, 2023
- 25
- Annual payroll, 2023
- $2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 257 chain locations
- Listings at the U.S. rate for this spending
- 10The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the Ocean Pines area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Ocean Pines area
- Population, 2025 estimate
- 54,459+3.7% since 2020
- Households
- 24,136
- Median age
- 50.1
- Homes lived in by their owners
- 78%
- Vehicles per household
- 1.9
- Land area
- 468 sq. mi.
- People per square mile
- 115
- Median household income
- $81,745
- Average household income
- $117,610
- Median home value
- $374,700
- Jobs located here
- 22,476
- Daytime population
- 52,245Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Ocean Pines area?
These figures cover the whole small-town market. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of the Ocean Pines area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across Maryland
Every Maryland market ranked →The highest-scoring small-town markets in Maryland for mortgage brokers and lenders, numbered among those based in Maryland, with the Ocean Pines area marked.
Top small-town markets in Maryland
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Easton, MD | 39 | 9 | 5.5 | 76 | +2.0% | #128 of 177 |
| 2Ocean Pines, MD | 32 | 25 | 10.4 | 40 | +3.7% | #151 of 177 |
Other business types in the Ocean Pines area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate33
- Real estate agents and brokers33
- Property management30
- Mortgage brokers and lenders32
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Ocean Pines, MD area?
The Ocean Pines area has 25 mortgage brokers and lenders on map listings as of September 2026. 7 of them (28%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 7 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Ocean Pines, MD area spend on rent and homeowner costs?
About $386M a year, or $15,993 per household. That is 4% below the U.S. average (an index of 96, where 100 is the U.S. average). For the 25 mortgage brokers and lenders on map listings, housing spending per office is 60% below the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 24,136 households in the Ocean Pines area and national spending patterns by income.
How does the Ocean Pines, MD area compare with the U.S. for mortgage brokers and lenders?
The Ocean Pines area has 10.4 mortgage brokers and lenders per 10,000 households, 2.4 times the U.S. rate of 4.3. The index of housing spending per office is 40, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Ocean Pines area would have about 10, against 25 on map listings. There is one business with payroll in the industry for every 3,448 households, against one for every 4,897 across the U.S.
How fast is the Ocean Pines, MD area growing?
Population estimates put the Ocean Pines area at 54,459 people in 2025, up 3.7% since 2020, faster than the U.S. (+3.1%). It has 24,136 households. The median household income in the Ocean Pines area is $81,745 a year, in line with the U.S. median of $80,734.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Ocean Pines area scores 32 for mortgage brokers and lenders (lower middle), #151 of 177 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Ocean Pines area. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in the Ocean Pines area
Screening a site or an acquisition in the Ocean Pines area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Ocean Pines area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.