First Shore Federal Savings and Loan Association mortgage approval rate & lending review
First Shore Federal Savings and Loan Association decided 585 mortgage applications and funded 438 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Shore Federal Savings and Loan Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Shore Federal Savings and Loan Association at a glance
Approval is 3.1 points below the 84.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 79% | 256 / 324 | 91% | $115K | 233 |
| Home improvement loans | 77% | 34 / 44 | 94% | $65K | 32 |
| Refinance | 78% | 42 / 54 | 98% | $115K | 41 |
| Investment property purchase | 88% | 129 / 147 | 91% | $115K | 118 |
First Shore Federal Savings and Loan Association lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Shore Federal Savings and Loan Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sussex County, DE | Mortgage lenders | 79% | 221 | 163 |
| Sussex County, DE | Investment property purchase | 88% | 134 | 108 |
| Wicomico County, MD | Mortgage lenders | 80% | 64 | 42 |
| Sussex County, DE | Refinance | 79% | 42 | 32 |
| Kent County, DE | Mortgage lenders | 77% | 39 | 28 |
| Sussex County, DE | Home improvement loans | 82% | 33 | 26 |
The county markets where First Shore Federal Savings and Loan Association made the most loans. Each link opens that market with every lender ranked.
Questions about First Shore Federal Savings and Loan Association
What is First Shore Federal Savings and Loan Association's mortgage approval rate?
First Shore Federal Savings and Loan Association approved 81.2% of the 585 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.1 points below the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Shore Federal Savings and Loan Association offers?
Borrowers accepted 92% of the loans First Shore Federal Savings and Loan Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Shore Federal Savings and Loan Association make?
The typical home purchase mortgage loan First Shore Federal Savings and Loan Association made was $115K; across all loan types its typical loan ran from $65K to $115K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Shore Federal Savings and Loan Association lend?
First Shore Federal Savings and Loan Association decided applications in 2 of the states Fat Boy Data covers, most of them in Delaware and Maryland.
Can I apply to First Shore Federal Savings and Loan Association directly?
Yes. First Shore Federal Savings and Loan Association is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Shore Federal Savings and Loan Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Shore Federal Savings and Loan Association treats applications, then get a rate quote from the lender.