# Shore United Bank, N.A.

> **Canonical URL:** https://saferate.com/lenders/shore-united-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Shore United Bank, N.A. is a bank, headquartered in Easton, MD, serving borrowers across 13 states, with 653 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930009M8OIJWECQX81
- **Headquarters:** Easton, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** DC, DE, FL, MD, NC, NJ, NV, NY, PA, SC, TX, VA, WV
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.188%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,751
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 653
- **Dollar Volume:** $373 million
- **Applications Received:** 874
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $571,248
- **Average Borrower Income:** $220,496
- **Average Property Value:** $764,571

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 403 | +0.238% | $2,677 | Strong 😀 |
| FHA | 67/100 | 103 | +0.288% | $3,110 | Strong 😀 |
| VA | 65/100 | 48 | -0.364% | $2,837 | Strong 😀 |
| Jumbo | 80/100 | 89 | +0.120% | $2,511 | Strong 😀 |
| USDA | 47/100 | 10 | +0.012% | $2,063 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 364 loans, Score: 63/100 (Strong)
- Refinance: 39 loans, Score: 43/100 (Sound)

**FHA:**
- Purchase: 97 loans, Score: 67/100 (Strong)

**VA:**
- Purchase: 42 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 86 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 599 | $349M | +0.180% | Strong 😀 |
| Refinance | 47/100 | 54 | $24M | +0.249% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 520 | 0.74% | 85/100 |
| VA | 57 | 0.05% | 58/100 |
| DE | 32 | 0.22% | 56/100 |
| PA | 15 | 0.01% | 41/100 |
| WV | 15 | 0.10% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 193 | 78/100 |
| Non |  | 121 | 56/100 |
| Frederick | MD | 117 | 81/100 |
| Hagerstown | MD-WV | 51 | 70/100 |
| Lexington Park, MD | MD | 48 | 67/100 |
| Washington, DC | DC-MD | 44 | 64/100 |
| Arlington | VA-WV | 37 | 56/100 |
| Dover, DE | DE | 11 | 44/100 |

## Where This Lender Ranks

Shore United Bank, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lexington Park, MD for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lexington Park, MD for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Maryland for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Hagerstown for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Frederick for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Frederick for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Maryland for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Hagerstown Banks
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks)
- 🏆 **#8** in Lexington Park, MD for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Maryland for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Baltimore for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/banks/va-loans)
- 🏆 **#10** in Dover, DE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dover-de/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Baltimore for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Washington, DC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Baltimore for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Frederick for VA Loans
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/va-loans)
- 🏆 **#14** in Maryland for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Frederick for FHA Loans
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/fha-loans)
- 🏆 **#14** in Frederick for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Maryland for USDA Loans
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does Shore United Bank, N.A. offer?

Shore United Bank, N.A. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Shore United Bank, N.A. offer mortgages?

Shore United Bank, N.A. offers mortgages in 13 states: DC, DE, FL, MD, NC, NJ, NV, NY, PA, SC, TX, VA, WV.

### How competitive are Shore United Bank, N.A.'s mortgage rates?

Shore United Bank, N.A. has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.188% above market average.

### What type of lender is Shore United Bank, N.A.?

Shore United Bank, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Easton, MD.

### What is Shore United Bank, N.A.'s loan approval success rate?

Shore United Bank, N.A. has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/shore-united-bank

### How to Cite

> "Shore United Bank, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/shore-united-bank

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