6 Licensed States
Delaware · Florida · Maryland · Michigan · New Jersey · Pennsylvania
- Delaware LLC
- Licensed & Insured
- Bilingual Service
Oceans Lending was founded on a simple belief: every homebuyer deserves a mortgage experience built on trust, transparency, and personalized guidance—not sales pressure.
As an independent mortgage brokerage, we help clients navigate the home financing process by connecting them with loan programs and lending partners that best fit their needs. From our offices in Melbourne, Florida, and Timonium, Maryland, our licensed mortgage professionals work with first-time homebuyers, homeowners, investors, and veterans to provide education, options, and support throughout the mortgage process.
The name Oceans Lending was inspired by a growing awareness of the environmental challenges facing our oceans, including the massive accumulations of plastic and debris found within ocean gyres around the world. While our focus is helping individuals and families achieve their homeownership goals, we have always believed that businesses should contribute positively to the communities they serve and help raise awareness of issues that affect future generations.
As a coastal company, we proudly promote awareness of sea turtle conservation and responsible coastal stewardship. We encourage our clients and communities to learn more about protecting our beaches, waterways, and marine wildlife so future generations can enjoy the natural beauty that makes our coastal communities special.
At Oceans Lending, our mission is simple: provide honest mortgage guidance, deliver exceptional service, and help our clients make informed financing decisions with confidence.
Delaware · Florida · Maryland · Michigan · New Jersey · Pennsylvania
One of the main things we focus on when helping clients find mortgage programs is educating them about their options. We understand everyone is different regarding the type of home loans they need.
We Strive to Perform Lasting Relationships With Our Clients. Forging long-term relationships with our customers is one of our top priorities. Many of our customers come back to us time and again due to the knowledge and care we provide.
To be your #1 mortgage broker nationwide, committed to educating and communicating with every client.
An environmentally conscious mortgage company, supporting the five oceans and partnering with non-profits who share our vision.
To become the mortgage industry standard by elevating client relationships and building our platform on morals, ethics, honor, and integrity.
Six core principles that guide every loan, every conversation, and every relationship we build with our clients.
Always transparent, always responsive. No surprises, no runarounds. Just honest answers when you need them.
So you can make truly informed decisions. We break down every number, every term, every option, in plain language.
For the trust you place in us, every time. We don't take your business for granted; we work hard to keep it.
We set the bar for the mortgage industry, combining technology, expertise, and genuine care to deliver a better experience.
From ocean to ocean Licensed in 6 States and growing, bringing our personalized approach everywhere you are.
We promote marine conservation awareness because protecting the ecosystems that connect us all is part of who we are.
Oceans Lending LLC (NMLS ID #1470464) is a Delaware limited liability company licensed as a mortgage broker in the following states. We are an Equal Housing Lender.
| State | License Number / Notes |
|---|---|
| Delaware | Lender License #022084 |
| Florida | MBR2687 • License #MLB1470464 |
| Maryland | Mortgage Lender License #22262 |
| Michigan | MI-FL0020510 |
| New Jersey | NMLS #1470464 • Regulated by NJ Real Estate Division |
| Pennsylvania | Mortgage License #57568 (PA Dept. of Banking) |
Tailored loan solutions that fit your unique situation, budget, and timeline.
Licensed loan officers ready to serve you in English and Español.
Thousands of families have trusted Oceans Lending to navigate one of life's biggest milestones. Here's what they have to say.
"From start to finish, the team made me feel like family. As a first time home buyer I was very nervous when looking for a lender. They made me feel completely comfortable, took the time to give detailed answers to all of my questions, and got me a rate better than I expected. They accommodated my work schedule for closing and truly made me feel like a valued customer. I would highly recommend Ocean’s Lending!"
"Jonathon Pearson was excellent in helping me refinance my home. He was professional and knowledgeable in everything. Very personable and friendly. I throughly enjoyed talking to him and getting this done."
"As a Realtor me and my buyer worked with Sr Loan Officer Meadow on the purchase of her new home. The loan process was smooth from beginning to end. Meadow kept us both updated along the way as we passed milestones and she was very knowledgeable when we had questions. We received the clear to close in plenty of time to close in accordance with the contracted closing date! I look forward to working with Meadow and her team again!!"
"The entire team at Oceans Lending are top notch. Not only are they fast and professional they truly make you feel like part of their team. I was fully informed on what was going on with my refinance from every step to close. I couldn’t have asked for a friendlier and easy experience for my first time refi. Only regret I have was not knowing of them when I bought! I will 100% use the Oceans Lending team again for any of my real estate purchases or refis in the future. A++"
"I have nothing but positive things to say about Oceans Lending. I had a very successful, on time, mortgage refinance after having a terrible experience with a competitor. I have recommended friends and family and all have been very pleased with their loan results."
"As a first time buyer, I asked a million questions and was greeted with a world of knowledge and patience. Thank you for everything! I wouldn’t want to go to anyone else."
"Meadow was absolutely the best from the moment we met her. She was professional, prompt, and very knowledgeable throughout the entire process. At first, my husband and I were unsure if becoming homeowners within a year was even possible, but with Meadow’s financial coaching and strategy, we were able to make it happen. We are so grateful for her guidance and would absolutely recommend her to anyone looking to purchase a home. I’m proud to say we are homeowners, Thank you Meadow!"
Thousands Helped 5.0 Reviews
We offer 10+ loan programs including conventional home purchase, refinancing, home equity (HELOC & cash-out), VA loans for veterans, renovation loans, reverse mortgages for homeowners 62+, 1099 income, and bank statement programs.
Oceans Lending LLC's NMLS ID is #1470464. We are a Delaware limited liability company and an Equal Housing Lender, licensed in 6 States including Delaware, Florida, Maryland, Michigan, New Jersey, Pennsylvania, and more.
We operate from two offices: Melbourne, FL and Timonium, MD. Our licensed mortgage professionals serve clients across 6 States, with bilingual service available in English and Español.
We are proud partners of the Sea Turtle Conservancy. We believe in something bigger than just loans, as the health of our five oceans is everyone's responsibility, and every loan we close contributes to protecting the ecosystems that connect us all.
Yes! We have Spanish-speaking loan officers ready to guide you through every step of the mortgage process from pre-approval to closing in the language you're most comfortable with. No barriers, no confusion.
