First Shore Federal Savings and Loan Association in Maryland vs the state
13.8%Denial rate-5.01 pts vs state
18.0%Decision denial rate-6.15 pts vs state
54.3%Origination rate-1.40 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
63Loans originated
16Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 70 | 15.2% | — | #200 |
| 2024 | 123 | 79 | 9.8% | — | #194 |
| 2025 | 116 | 63 | 13.8% | — | #215 |
What First Shore Federal Savings and Loan Association lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most First Shore Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 54 | 35 | 7 | 13.0% |
| Wicomico County | 41 | 18 | 4 | 9.8% |
| Somerset County | 14 | 5 | 4 | 28.6% |
| Dorchester County | 5 | 4 | 0 | 0.0% |
| Talbot County | 2 | 1 | 1 | 50.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 116 applications in 2025, of which 63 were originated and 16 denied.
13.8% of all applications, or 18.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Shore Federal Savings and Loan Association's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology