Mortgage Lender Index

Shore United Bank, N.A.

Shore United Bank, N.A. received 1,876 applications in 2025 and made 1,287 mortgages, in 96 counties across 17 states. The median rate its borrowers got was 6.500% on a median loan of $305,000. Of 1,551 decisions, 259 were denials — 16.7%, most often for debt-to-income ratio.

Legal Entity Identifier54930009M8OIJWECQX81
Applications received1,876
Mortgages made1,287
Denied259
Approved, not taken up5
Withdrawn or incomplete325
Loans bought from other lenders0
Median rate spread over the prime offer rate0.219 points
FDIC-insured bankYes: Shore United Bank, National Association, 40 offices

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase831 6.375%$365,000 7.4%
Refinancing151 6.625%$205,000 21.1%
Cash-out refinancing29 6.875%$315,000 29.3%
Other purposes276 7.000%$105,000 33.5%

Where Shore United Bank, N.A. lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Baltimore County, MD 1676.433%8.2%
Anne Arundel County, MD 1246.250%19.4%
Talbot County, MD 1226.875%18.0%
Kent County, DE 796.688%25.5%
Baltimore city, MD 636.625%6.0%
Queen Anne's County, MD 616.500%26.5%
St. Mary's County, MD 526.125%21.2%
Frederick County, MD 506.500%2.0%
Harford County, MD 496.500%7.6%
Sussex County, DE 436.375%12.2%
Charles County, MD 416.625%22.6%
Caroline County, MD 386.500%35.6%
Calvert County, MD 306.375%25.0%
Howard County, MD 296.313%12.1%
Worcester County, MD 296.375%17.1%
Montgomery County, MD 286.625%9.4%
Prince George's County, MD 256.375%25.7%
Fairfax County, VA 256.125%3.9%
Washington County, MD 246.563%7.7%
Carroll County, MD 216.563%8.7%
Dorchester County, MD 176.313%37.9%
Arlington County, VA 156.875%0.0%
Wicomico County, MD 136.250%23.5%
Spotsylvania County, VA 116.250%21.4%
Cecil County, MD 8Under 10 loans0.0%
York County, PA 8Under 10 loans0.0%
King George County, VA 8Under 10 loans11.1%
Berkeley County, WV 8Under 10 loans0.0%
New Castle County, DE 7Under 10 loans0.0%
Kent County, MD 6Under 10 loans40.0%
Stafford County, VA 6Under 10 loans25.0%
Fredericksburg city, VA 6Under 10 loans0.0%
District of Columbia, DC 5Under 10 loans0.0%
Somerset County, MD 4Under 10 loans0.0%
Franklin County, PA 4Under 10 loans0.0%
Jefferson County, WV 4Under 10 loans20.0%
Delaware County, PA 3Under 10 loans57.1%
Loudoun County, VA 3Under 10 loans0.0%
Louisa County, VA 3Under 10 loans0.0%
Charlotte County, FL 2Under 10 loans0.0%
Allegany County, MD 2Under 10 loans0.0%
Garrett County, MD 2Under 10 loans0.0%
Lancaster County, PA 2Under 10 loans33.3%
Caroline County, VA 2Under 10 loans0.0%
Prince William County, VA 2Under 10 loans0.0%
Falls Church city, VA 2Under 10 loans0.0%
Choctaw County, AL 1Under 10 loans0.0%
Collier County, FL 1Under 10 loans0.0%
Lee County, FL 1Under 10 loans0.0%
Sarasota County, FL 1Under 10 loans0.0%

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When Shore United Bank, N.A.’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.