Shore United Bank in Delaware vs the state
18.0%Denial rate-0.13 pts vs state
20.4%Decision denial rate-2.36 pts vs state
70.5%Origination rate+11.30 pts vs state
6.50%Median rate-0.13 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$110kMedian applicant income
129Loans originated
33Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 372 | 289 | 9.7% | 6.25% | #30 |
| 2024 | 154 | 102 | 20.1% | 7.00% | #56 |
| 2025 | 183 | 129 | 18.0% | 6.50% | #56 |
What Shore United Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Shore United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 122 | 79 | 27 | 22.1% |
| Sussex County | 54 | 43 | 6 | 11.1% |
| New Castle County | 7 | 7 | 0 | 0.0% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 183 applications in 2025, of which 129 were originated and 33 denied.
18.0% of all applications, or 20.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Shore United Bank originated in Delaware in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Shore United Bank's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology