Applications / Mortgage Analytics / Lenders / Maryland / First Shore Federal Savings and Loan Association
Salisbury, MD · Savings institution · OCC · $359 million assets · 190 loans in 2025
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190
loans originated, 2025
325
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Shore Federal Savings and Loan Association is a manufactured-home lender: 63.2% of its loans in 2025 were on manufactured homes, against 0.6% at similar savings institutions.
No similar lender (savings institutions making between half and twice as many loans) had a higher share. The specialty keeps its loans small: the typical one was $125,000, against $230,000 at peers, among the lowest tenth. Purchases made up 76.8% of its loans.
It turned down 15.8% of home-purchase applications, against 6.2% at peers. Applications for manufactured homes are commonly turned down more often, and with most of its lending in them, that could account for most of the difference.
Low- and moderate-income (LMI) borrowers took 33.0% of its loans, against 24.7% at peers, more than at about four in five similar lenders. LMI neighborhoods took 8.2%, against 15.9%. Its smaller manufactured-home loans could explain the first figure, and the make-up of the Delaware and Maryland counties where it lends the second.
It made 190 loans, down 10%, while peers grew 8% and the whole market 10%. In Salisbury it ranked 34 of 205 lenders with 0.7%, down from 0.9%. Its smaller loan count or competition from larger lenders could account for the slip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Shore Federal Savings and Loan Association took 325 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.8% · Refinance 12.6% · Other 6.3% · Home improvement 4.2%
Conventional 100.0% · of 190 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 |
|---|---|---|
| Delaware | 125 | 65.8% |
| Maryland | 63 | 33.2% |
| Virginia | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salisbury | 23 |
| Dover | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HJP2WLL8KDCA15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 59370 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45740 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705740 | 2011–2017 |
Established 18 December 1953. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First Shore Federal Savings and Loan Association's data.
First Shore Federal Savings and Loan Association's data
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First Shore Federal Savings and Loan Association 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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