Joe O'Connell

Maryland - Frederick


30 West Patrick St., Suite 300

Frederick, MD 21701


About Joe

Joe O’Connell is a Senior Loan Officer at our Frederick, MD branch. He joined Embrace in September of 2017 and has been in the mortgage industry since 2012. An active member of both the Frederick County Association of Realtors® and the Pen-Mar Association of Realtors®, Joe is a valued and experienced asset to our team.

Joe is a born and raised Frederick local who can help you navigate your way through his favorite haunts in historic downtown Frederick, the Smithsonian, and the Inner Harbor.

When he’s not customizing loans for Embrace customers, Joe enjoys spending time with his wife, three children, and their family dog. He also is a skilled chef, local beekeeper, and member of the Frederick County Beekeeping Association.

Having a large and local extended family with a well cultivated network of friends and colleagues, Joe is a familiar and well-regarded member of his community.

98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on June 28, 2020

Review By Charles H. for Joe O'Connell

Completed transaction in June 2020

Not too little not too much communication. Personal interest. We can make it happen attaude.


5.0 Survey completed on June 19, 2020

Review By Vicky S. for Joe O'Connell

Completed transaction in June 2020

Joe was great at explaining the process and keeping me informed continuously as we went through the numerous steps to get to the final destination. He was also friendly and available to answer questions, and helpful with reminders when needed. ;-) Thanks Joe, for making it as pain-free as possible, it went so smoothly, and I'm impressed with that!


5.0 Survey completed on June 09, 2020

Review By Jessica J. for Joe O'Connell

Completed transaction in June 2020



5.0 Survey completed on June 08, 2020

Review By Benjamin M. for Joe O'Connell

Completed transaction in June 2020

Joe always answered any questions we had quickly. The whole process went very smoothly.


5.0 Survey completed on May 27, 2020

Review By Perusi L. for Joe O'Connell

Completed transaction in May 2020

I am a first time home buyer and Embrace made the process easy going for me. I didn’t feel overwhelmed and Joe and Cindy were great in communicating to me about what I needed. Thank you all for such a great experience!

Mortgage Interest Rates Drop
Rates Hit New Low, While Mortgage Activity Stalls Out

Mortgage activity dropped again, this time falling 1.8% over the week. Refinance applications were down 2%, while applications to purchase a home fell 1%. On both counts, activity is still much higher than one year ago. According to Joel Kan, associate vice president of economic and industry forecasting at the Mortgage Bankers Association, this was…

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