Shore United Bank, National Association mortgage approval rate & lending review
Shore United Bank, National Association decided 2,651 mortgage applications and funded 2,313 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Shore United Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Shore United Bank, National Association at a glance
Approval is 6.5 points above the 81.1% 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 | 94% | 1,442 / 1,533 | 100% | $395K | 1,438 |
| Home improvement loans | 74% | 353 / 477 | 99% | $105K | 350 |
| Cash-out refinance | 70% | 35 / 50 | 97% | $285K | 34 |
| Refinance | 78% | 183 / 234 | 99% | $155K | 181 |
| Investment property purchase | 93% | 264 / 284 | 100% | $435K | 263 |
| Investment refinance | 71% | 22 / 31 | 100% | $185K | 22 |
| Investment home improvement | 56% | 19 / 34 | 100% | $165K | 19 |
Shore United Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 88% | $395K | 1,777 | 1,558 |
| Delaware | 86% | $395K | 570 | 486 |
| Virginia | 88% | $1.46M | 152 | 134 |
| Pennsylvania | 85% | $285K | 62 | 53 |
| West Virginia | 96% | $325K | 24 | 23 |
| District of Columbia | 91% | $445K | 22 | 20 |
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 Shore United Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Frederick County, MD | Mortgage lenders | 99% | 222 | 220 |
| Anne Arundel County, MD | Mortgage lenders | 92% | 197 | 180 |
| Sussex County, DE | Mortgage lenders | 97% | 118 | 114 |
| Sussex County, DE | Investment property purchase | 95% | 119 | 113 |
| Anne Arundel County, MD | Home improvement loans | 72% | 132 | 95 |
| Kent County, DE | Home improvement loans | 77% | 123 | 94 |
| Washington County, MD | Mortgage lenders | 95% | 98 | 93 |
| Carroll County, MD | Mortgage lenders | 99% | 77 | 76 |
| St. Mary's County, MD | Mortgage lenders | 95% | 80 | 76 |
| Howard County, MD | Mortgage lenders | 95% | 78 | 73 |
| Harford County, MD | Mortgage lenders | 94% | 63 | 59 |
| Charles County, MD | Mortgage lenders | 88% | 58 | 51 |
The county markets where Shore United Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Shore United Bank, National Association
What is Shore United Bank, National Association's mortgage approval rate?
Shore United Bank, National Association approved 87.7% of the 2,651 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.5 points above the 81.1% national rate for the same mix of loan types.
How often do borrowers take the loan Shore United Bank, National Association offers?
Borrowers accepted 100% of the loans Shore United Bank, National 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 Shore United Bank, National Association make?
The typical home purchase mortgage loan Shore United Bank, National Association made was $395K; across all loan types its typical loan ran from $105K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Shore United Bank, National Association lend?
Shore United Bank, National Association decided applications in 16 of the states Fat Boy Data covers, most of them in Maryland, Delaware and Virginia.
Can I apply to Shore United Bank, National Association directly?
Yes. Shore United Bank, National Association is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Shore United Bank, National 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 Shore United Bank, National Association treats applications, then get a rate quote from the lender.