First Shore Federal Savings and Loan Association
First Shore Federal Savings and Loan Association received 325 applications in 2025 and made 190 mortgages, in 9 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 253 decisions, 46 were denials — 18.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300HJP2WLL8KDCA15 |
|---|---|
| Applications received | 325 |
| Mortgages made | 190 |
| Denied | 46 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 72 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Shore Federal Savings and Loan Association, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 146 | Not published | $135,000 | 15.9% |
| Refinancing | 24 | Not published | $90,000 | 16.7% |
| Other purposes | 20 | Not published | $55,000 | 32.4% |
Where First Shore Federal Savings and Loan Association lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sussex County, DE | 115 | Not published | 17.1% |
| Worcester County, MD | 35 | Not published | 15.6% |
| Wicomico County, MD | 18 | Not published | 14.8% |
| Kent County, DE | 10 | Not published | 21.4% |
| Somerset County, MD | 5 | Under 10 loans | 40.0% |
| Dorchester County, MD | 4 | Under 10 loans | 0.0% |
| Accomack County, VA | 2 | Under 10 loans | 50.0% |
| Talbot County, MD | 1 | Under 10 loans | 50.0% |
| New Castle County, DE | 0 | Under 10 loans | Not published |
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When First Shore Federal Savings and Loan Association’s figures are published for the next year, or restated.
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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. 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.