Shore United Bank in Pennsylvania vs the state
15.8%Denial rate-2.50 pts vs state
21.4%Decision denial rate-0.78 pts vs state
57.9%Origination rate-3.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$110kMedian applicant income
22Loans originated
6Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 16 | 0.0% | 6.45% | #621 |
| 2024 | 21 | 17 | 14.3% | 6.37% | #604 |
| 2025 | 38 | 22 | 15.8% | 6.50% | #518 |
What Shore United Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Shore United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 12 | 3 | 4 | 33.3% |
| York County | 8 | 8 | 0 | 0.0% |
| Franklin County | 4 | 4 | 0 | 0.0% |
| Lancaster County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 2 | 0 | 1 | 50.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Northampton County | 1 | 0 | 0 | 0.0% |
| Bucks County | 1 | 1 | 0 | 0.0% |
| Berks County | 1 | 0 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 38 applications in 2025, of which 22 were originated and 6 denied.
15.8% of all applications, or 21.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Shore United Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology