Shore United Bank in Maryland vs the state
13.8%Denial rate-5.00 pts vs state
16.9%Decision denial rate-7.26 pts vs state
67.7%Origination rate+11.97 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)-0.01 pts vs state
$138kMedian applicant income
1,005Loans originated
205Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,166 | 818 | 12.4% | 6.38% | #42 |
| 2024 | 1,393 | 942 | 14.4% | 6.63% | #36 |
| 2025 | 1,485 | 1,005 | 13.8% | 6.50% | #39 |
What Shore United Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Shore United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 213 | 167 | 15 | 7.0% |
| Anne Arundel County | 197 | 124 | 30 | 15.2% |
| Talbot County | 180 | 122 | 27 | 15.0% |
| Queen Anne's County | 92 | 61 | 22 | 23.9% |
| Baltimore city | 90 | 63 | 4 | 4.4% |
| St. Mary's County | 85 | 52 | 14 | 16.5% |
| Caroline County | 69 | 38 | 21 | 30.4% |
| Charles County | 64 | 41 | 12 | 18.8% |
| Harford County | 61 | 49 | 4 | 6.6% |
| Frederick County | 59 | 50 | 1 | 1.7% |
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: 1,485 applications in 2025, of which 1,005 were originated and 205 denied.
13.8% of all applications, or 16.9% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Shore United Bank originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology