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Shore United Bank, N.A.
Bank|Easton, MD|Multi-Region
Loans Originated
653
Applications
874
Volume
$373 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.188%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,751
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
Shore United Bank, N.A. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$571,248
Average Borrower Income
$220,496
Average Property Value
$764,571
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 403 | 61.7% | +0.238% | $2,677 |
FHA Loans | Strong | Strong | Sound | Strong | 103 | 15.8% | +0.288% | $3,110 |
VA Loans | Strong | Strong | Sound | Exceptional | 48 | 7.4% | -0.364% | $2,837 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 89 | 13.6% | +0.120% | $2,511 |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 1.5% | +0.012% | $2,063 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 599 | 91.7% | +0.180% | $2,784 |
Refinance | Sound | Sound | Acceptable | Sound | 54 | 8.3% | +0.249% | $2,505 |
Geographic Coverage
Metro Areas
7
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCDEFLMDNCNJNVNYPASCTXVAWV
Top Metro Areas by Place Specialization Score
1
Frederick, MDMSA
Volume: 117Mix: 17.92%
Place Specialization
Exceptional
2
Baltimore, MDMSA
Volume: 193Mix: 29.56%
Place Specialization
Strong
3
Hagerstown, MD-WVMSA
Volume: 51Mix: 7.81%
Place Specialization
Strong
4
Lexington Park, MD, MDMSA
Volume: 48Mix: 7.35%
Place Specialization
Strong
5
Washington, DC, DC-MDMSA
Volume: 44Mix: 6.74%
Place Specialization
Strong
6
Arlington, VA-WVMSA
Volume: 37Mix: 5.67%
Place Specialization
Sound
7
Dover, DE, DEMSA
Volume: 11Mix: 1.68%
Place Specialization
Sound
Top States by Place Specialization Score
1
MDState
Volume: 520Mix: 79.63%
Place Specialization
Exceptional
2
VAState
Volume: 57Mix: 8.73%
Place Specialization
Sound
3
DEState
Volume: 32Mix: 4.90%
Place Specialization
Sound
4
WVState
Volume: 15Mix: 2.30%
Place Specialization
Sound
5
PAState
Volume: 15Mix: 2.30%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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