Shore United Bank, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Shore United Bank, N.A. of Easton, MD reported 1,876 mortgage applications totaling $826.7 million, up 7% from 2024. The average application was for $440,655, and applicants reported an average income of $216,621. 69% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (724), Lexington Park, MD (132) and Dover, DE (122) (applications in parentheses).
| Mortgage Company & Address | Shore United Bank, N.A. 18 East Dover Street Easton, MD 21601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 1,876 |
| Total Mortgage Loan Application Amount | $826,670,000 |
| Average Mortgage Loan Application Amount | $440,655 |
| Highest Mortgage Loan Application Amount | $14,505,000 |
| Average Applicant Income | $216,621 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Shore United Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Baltimore, Maryland | 213 | $ 66,515,000 | $ 312,276 | $ 134,000 |
| Anne Arundel, Maryland | 197 | $ 137,805,000 | $ 699,517 | $ 382,000 |
| Talbot, Maryland | 180 | $ 47,930,000 | $ 266,277 | $ 212,000 |
| Kent, Delaware | 122 | $ 28,190,000 | $ 231,065 | $ 107,000 |
| Queen Anne's, Maryland | 92 | $ 23,650,000 | $ 257,065 | $ 187,000 |
| Baltimore City, Maryland | 90 | $ 33,000,000 | $ 366,666 | $ 137,000 |
| St. Mary's, Maryland | 85 | $ 35,285,000 | $ 415,117 | $ 180,000 |
| Caroline, Maryland | 69 | $ 11,165,000 | $ 161,811 | $ 106,000 |
| Charles, Maryland | 64 | $ 26,840,000 | $ 419,375 | $ 219,000 |
| Harford, Maryland | 61 | $ 23,355,000 | $ 382,868 | $ 156,000 |
| Frederick, Maryland | 59 | $ 25,495,000 | $ 432,118 | $ 157,000 |
| Sussex, Delaware | 54 | $ 20,710,000 | $ 383,518 | $ 195,000 |
| Calvert, Maryland | 47 | $ 15,805,000 | $ 336,276 | $ 170,000 |
| Howard, Maryland | 45 | $ 31,365,000 | $ 697,000 | $ 342,000 |
| Worcester, Maryland | 45 | $ 21,425,000 | $ 476,111 | $ 402,000 |
| Montgomery, Maryland | 44 | $ 48,670,000 | $ 1,106,136 | $ 435,000 |
| Prince George's, Maryland | 43 | $ 33,945,000 | $ 789,418 | $ 177,000 |
| Dorchester, Maryland | 35 | $ 7,775,000 | $ 222,142 | $ 127,000 |
| Washington, Maryland | 35 | $ 10,205,000 | $ 291,571 | $ 95,000 |
| Fairfax, Virginia | 27 | $ 44,525,000 | $ 1,649,074 | $ 543,000 |
| Carroll, Maryland | 26 | $ 9,130,000 | $ 351,153 | $ 156,000 |
| Wicomico, Maryland | 21 | $ 8,045,000 | $ 383,095 | $ 112,000 |
| Spotsylvania, Virginia | 20 | $ 13,090,000 | $ 654,500 | $ 208,000 |
| Arlington, Virginia | 15 | $ 17,085,000 | $ 1,139,000 | $ 531,000 |
| Kent, Maryland | 13 | $ 2,645,000 | $ 203,461 | $ 157,000 |
| Delaware, Pennsylvania | 12 | $ 1,590,000 | $ 132,500 | $ 116,000 |
| Cecil, Maryland | 11 | $ 4,115,000 | $ 374,090 | $ 132,000 |
| King George, Virginia | 10 | $ 6,050,000 | $ 605,000 | $ 314,000 |
| Stafford, Virginia | 10 | $ 3,200,000 | $ 320,000 | $ 280,000 |
| District of Columbia, District Of Columbia | 8 | $ 9,040,000 | $ 1,130,000 | $ 531,000 |
| York, Pennsylvania | 8 | $ 2,120,000 | $ 265,000 | $ 114,000 |
| Berkeley, West Virginia | 8 | $ 2,530,000 | $ 316,250 | $ 108,000 |
| New Castle, Delaware | 7 | $ 2,265,000 | $ 323,571 | $ 163,000 |
| Fredericksburg, Virginia | 6 | $ 1,690,000 | $ 281,666 | $ 133,000 |
| Loudoun, Virginia | 5 | $ 7,925,000 | $ 1,585,000 | $ 678,000 |
| Jefferson, West Virginia | 5 | $ 1,955,000 | $ 391,000 | $ 212,000 |
| Garrett, Maryland | 4 | $ 850,000 | $ 212,500 | $ 243,000 |
| Somerset, Maryland | 4 | $ 1,380,000 | $ 345,000 | $ 179,000 |
| Franklin, Pennsylvania | 4 | $ 1,420,000 | $ 355,000 | $ 202,000 |
| Louisa, Virginia | 4 | $ 2,700,000 | $ 675,000 | $ 318,000 |
| Lancaster, Pennsylvania | 3 | $ 625,000 | $ 208,333 | $ 111,000 |
| Charlotte, Florida | 2 | $ 600,000 | $ 300,000 | $ 284,000 |
| Allegany, Maryland | 2 | $ 190,000 | $ 95,000 | $ 64,000 |
| Mecklenburg, North Carolina | 2 | $ 2,450,000 | $ 1,225,000 | $ 1,884,000 |
| Montgomery, Pennsylvania | 2 | $ 950,000 | $ 475,000 | $ 88,000 |
| Horry, South Carolina | 2 | $ 930,000 | $ 465,000 | $ 197,000 |
| Accomack, Virginia | 2 | $ 550,000 | $ 275,000 | $ 161,000 |
| Caroline, Virginia | 2 | $ 440,000 | $ 220,000 | $ 140,000 |
| Falls Church, Virginia | 2 | $ 2,000,000 | $ 1,000,000 | $ 285,000 |
| Prince William, Virginia | 2 | $ 1,180,000 | $ 590,000 | $ 726,000 |
| Westmoreland, Virginia | 2 | $ 450,000 | $ 225,000 | $ 66,000 |
| Choctaw, Alabama | 1 | $ 655,000 | $ 655,000 | $ 255,000 |
| Collier, Florida | 1 | $ 805,000 | $ 805,000 | $ 1,084,000 |
| Lee, Florida | 1 | $ 345,000 | $ 345,000 | $ 531,000 |
| Manatee, Florida | 1 | $ 405,000 | $ 405,000 | $ 76,000 |
| Martin, Florida | 1 | $ 205,000 | $ 205,000 | $ 157,000 |
| Sarasota, Florida | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Pierce, Georgia | 1 | $ 335,000 | $ 335,000 | $ 103,000 |
| Polk, Georgia | 1 | $ 1,105,000 | $ 1,105,000 | $ 609,000 |
| Camden, New Jersey | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Curry, New Mexico | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Dutchess, New York | 1 | $ 505,000 | $ 505,000 | $ 241,000 |
| Brunswick, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 574,000 |
| Dare, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| New Hanover, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 372,000 |
| Union, Ohio | 1 | $ 715,000 | $ 715,000 | $ 500,000 |
| Adams, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Berks, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 159,000 |
| Bucks, Pennsylvania | 1 | $ 475,000 | $ 475,000 | $ 105,000 |
| Chester, Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Columbia, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Crawford, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 199,000 |
| Cumberland, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 117,000 |
| Northampton, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Philadelphia, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Anderson, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Marlboro, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Richland, South Carolina | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Perry, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Galveston, Texas | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Llano, Texas | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Albemarle, Virginia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Augusta, Virginia | 1 | $ 3,155,000 | $ 3,155,000 | $ 0 |
| Charlottesville, Virginia | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Clarke, Virginia | 1 | $ 165,000 | $ 165,000 | $ 203,000 |
| Culpeper, Virginia | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Dinwiddie, Virginia | 1 | $ 475,000 | $ 475,000 | $ 287,000 |
| Fauquier, Virginia | 1 | $ 535,000 | $ 535,000 | $ 240,000 |
| Frederick, Virginia | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Halifax, Virginia | 1 | $ 565,000 | $ 565,000 | $ 82,000 |
| Middlesex, Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Montgomery, Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Northampton, Virginia | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Northumberland, Virginia | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Hampshire, West Virginia | 1 | $ 315,000 | $ 315,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Shore United Bank, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,104 | $624,990,000 | $566,000 | $9,505,000 | $228,000 | $3,796,000 |
| Home Improvement | 355 | $71,575,000 | $201,000 | $4,005,000 | $195,000 | $1,500,000 |
| Refinancing | 236 | $93,770,000 | $397,000 | $14,505,000 | $208,000 | $1,441,000 |
| Other Purpose | 128 | $19,290,000 | $150,000 | $2,505,000 | $224,000 | $6,000,000 |
| Cash-out Refinancing | 53 | $17,045,000 | $321,000 | $1,305,000 | $145,000 | $983,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,308 | $509,090,000 | $389,000 | $4,995,000 | $219,000 | $6,000,000 |
| Not Provided | 164 | $86,920,000 | $530,000 | $4,005,000 | $258,000 | $1,470,000 |
| Black or African American | 164 | $69,480,000 | $423,000 | $4,525,000 | $158,000 | $829,000 |
| Hispanic | 91 | $31,505,000 | $346,000 | $1,765,000 | $137,000 | $632,000 |
| Asian | 75 | $56,865,000 | $758,000 | $3,965,000 | $313,000 | $2,584,000 |
| Not applicable | 71 | $72,135,000 | $1,015,000 | $14,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $675,000 | $225,000 | $545,000 | $133,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,582 | $723,310,000 | $457,000 | $14,505,000 | $236,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 227 | $74,185,000 | $326,000 | $1,085,000 | $105,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 59 | $26,925,000 | $456,000 | $955,000 | $148,000 | $458,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $2,250,000 | $281,000 | $355,000 | $95,000 | $121,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,287 | $576,715,000 | $448,000 | $4,995,000 | $216,000 | $2,584,000 |
| Application Denied By Financial Institution | 259 | $63,265,000 | $244,000 | $3,675,000 | $139,000 | $1,467,000 |
| Application Withdrawn By Applicant | 200 | $115,090,000 | $575,000 | $14,505,000 | $228,000 | $3,796,000 |
| File Closed For Incompleteness | 125 | $69,755,000 | $558,000 | $4,005,000 | $356,000 | $6,000,000 |
| Application Approved But Not Accepted | 5 | $1,845,000 | $369,000 | $605,000 | $282,000 | $564,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,617 | $763,405,000 | $472,000 | $14,505,000 | $229,000 | $6,000,000 |
| Debt-To-Income Ratio | 146 | $31,480,000 | $215,000 | $1,305,000 | $97,000 | $454,000 |
| Credit History | 59 | $9,865,000 | $167,000 | $1,525,000 | $144,000 | $1,441,000 |
| Other | 26 | $6,230,000 | $239,000 | $965,000 | $269,000 | $899,000 |
| Collateral | 16 | $7,600,000 | $475,000 | $2,505,000 | $217,000 | $572,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $4,210,000 | $421,000 | $895,000 | $152,000 | $234,000 |
| Employment History | 2 | $3,880,000 | $1,940,000 | $3,675,000 | $748,000 | $1,467,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shore United Bank, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Shore United Bank, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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