United Shore Financial Services in Maryland vs the state
16.0%Denial rate-2.83 pts vs state
18.5%Decision denial rate-5.62 pts vs state
67.8%Origination rate+12.05 pts vs state
6.13%Median rate-0.50 pts vs state
0.03Rate spread (pts)-0.22 pts vs state
$108kMedian applicant income
6,306Loans originated
1,486Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,134 | 3,651 | 14.3% | 6.50% | #7 |
| 2024 | 7,036 | 4,992 | 14.3% | 6.37% | #3 |
| 2025 | 9,307 | 6,306 | 16.0% | 6.13% | #3 |
What United Shore Financial Services lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 1,894 | 1,111 | 414 | 21.9% |
| Baltimore County | 1,175 | 806 | 199 | 16.9% |
| Montgomery County | 1,053 | 739 | 154 | 14.6% |
| Anne Arundel County | 995 | 763 | 82 | 8.2% |
| Baltimore city | 979 | 580 | 236 | 24.1% |
| Frederick County | 471 | 344 | 57 | 12.1% |
| Charles County | 451 | 306 | 60 | 13.3% |
| Howard County | 417 | 312 | 42 | 10.1% |
| Harford County | 334 | 256 | 45 | 13.5% |
| Washington County | 259 | 179 | 34 | 13.1% |
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% |
| 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% |
| Freedom Mortgage | B | 5,078 | 7.2% | 6.25% |
Frequently asked questions
Maryland: 9,307 applications in 2025, of which 6,306 were originated and 1,486 denied.
16.0% of all applications, or 18.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans United Shore Financial Services originated in Maryland in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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