Applications / Mortgage Analytics / Lenders / Maryland / First United Bank & Trust
Oakland, MD · State non-member bank · FDIC · $2.1 billion assets · 178 loans in 2025
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178
loans originated, 2025
260
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First United Bank & Trust, a Maryland bank, makes bigger home-purchase loans than its peers. In 2025 it made 14% fewer loans than a year before, yet lent about as many dollars.
Purchases made up 84.3% of its loans. Its typical loan was $220,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at about seven in ten of them. Jumbo loans (larger than the conforming limit) were 5.9% of its lending, against 1.4%, a higher share than at nearly nine in ten.
It made 178 loans, 14% fewer than in 2024, while similar lenders and the whole market grew 10%. Yet it lent $64.5 million, against $63.3 million, because its loans were larger on average. In 2020 it made 557.
It ranked 13 of 383 lenders in non-metro Maryland, its largest market, where it has lent since 1998. In Morgantown it ranked 20 of 173, and its share fell from 1.8% to 1.5%. In Hagerstown-Martinsburg its share eased from 0.2% to 0.1%. Its own smaller loan count could account for these falls; shares are measured in dollars, so a few large loans by rivals also move them.
Low- and moderate-income (LMI) borrowers took 30.0% of its loans, against 27.7% at similar lenders. LMI neighborhoods took 20.2%, against 17.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 United Bank & Trust took 260 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.3% · Refinance 14.6% · Home improvement 1.1%
Conventional 99.4% · USDA (RHS or FSA) 0.6% · of 178 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 | 107 | 60.1% |
| West Virginia | 60 | 33.7% |
| Pennsylvania | 7 | 3.9% |
| Virginia | 2 | 1.1% |
| Alabama | 1 | 0.6% |
| North Carolina | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Morgantown | 28 |
| Hagerstown-Martinsburg | 9 |
| Chambersburg | 4 |
| Frederick-Gaithersburg-Bethesda | 4 |
| Arlington-Alexandria-Reston | 2 |
| Baltimore-Columbia-Towson | 2 |
| Wheeling | 2 |
| Charleston | 1 |
| Gettysburg | 1 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G54QPXQLB4KN58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 61122 | 2004–2020 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1132672 | 2021–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34857 | 1998–2017 |
Established 18 October 1984. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First United Bank & Trust's data.
First United Bank & Trust's data
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First United Bank & Trust 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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