Applications / Mortgage Analytics / Lenders / Maryland / Shore United Bank
Easton, MD · National bank · OCC · $6.3 billion assets · 1,287 loans in 2025
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1,287
loans originated, 2025
1,876
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shore United Bank, a Maryland national bank, has grown from 187 loans five years ago to 1,287, and makes larger, more often jumbo, purchase loans than similar lenders.
Originations were 187 in 2020 and 1,287 in 2025. It merged with Severn Bank in 2021 and Community Bank of the Chesapeake in 2023, which may account for much of the rise. In 2025 its originations rose 7%, against 10% for the typical similar lender (national banks making between half and twice as many loans) and for the whole market.
Jumbo loans (larger than the conforming limit) were 12.1% of originations, against 1.9% for the typical similar lender, higher than nearly all of them. Its typical loan, $305,000, was larger than at about four in five similar lenders. Home purchase made up 64.6% of its lending.
Loans insured by the Federal Housing Administration (FHA) were 12.8% of originations, against 2.2% for similar lenders, up from 8.7% the year before; loans guaranteed by the Department of Veterans Affairs (VA) were 3.8%. Its denial rates on home-purchase and refinance applications, 5.5% and 14.2%, were near the middle of similar lenders.
In Baltimore-Columbia-Towson, where it has lent since before 1990, it ranked 21 of 592, with its share up to 1.2% from 0.9%. In Dover its share rose to 1.6% from 0.8%, and in non-metro Maryland it ranked 5 of 383.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Shore United Bank took 1,876 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.6% · Home improvement 17.0% · Refinance 14.0% · Other 4.4%
Conventional 82.8% · FHA 12.8% · VA 3.8% · USDA (RHS or FSA) 0.5% · of 1,287 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 1,005 | 78.1% |
| Delaware | 129 | 10.0% |
| Virginia | 95 | 7.4% |
| Pennsylvania | 22 | 1.7% |
| West Virginia | 13 | 1.0% |
| District of Columbia | 5 | 0.4% |
| Florida | 5 | 0.4% |
| North Carolina | 4 | 0.3% |
| South Carolina | 4 | 0.3% |
| Alabama | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 514 |
| Lexington Park | 82 |
| Dover | 79 |
| Frederick-Gaithersburg-Bethesda | 78 |
| Arlington-Alexandria-Reston | 76 |
| Washington | 71 |
| Hagerstown-Martinsburg | 32 |
| Salisbury | 17 |
| Wilmington | 15 |
| York-Hanover | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930009M8OIJWECQX81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 933023 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12341 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 2933023 | 2009–2017 |
Established 1 June 1876. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Shore United Bank's data.
Shore United Bank's data
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Shore United Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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