Lenders › First Shore Federal Savings and Loan Association › Delaware
First Shore Federal Savings and Loan Association in Delaware
HMDA record for properties in Delaware, calendar year 2024. National record · Delaware overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Delaware, First Shore Federal Savings and Loan Association reported 224 applications and 131 originations for 2024, $18m in all.
Its denial rate in the state was 16.4%, below the Delaware rate of 25.4% across all lenders and compared with the lender's national rate of 15.0%.
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Delaware | Delaware, all lenders | First Shore Federal Savings and Loan Association, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.4% | 25.4% | 15.0% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.9% | — | 15.6% |
| Average originated loan | $137k | $289k | $147k | $329k |
| Home purchase share | 73.3% | 56.3% | 69.3% | 57.0% |
| FHA-insured share | 0.0% | 14.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 7.7% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateDelaware, all lenders
Loan purpose and loan type in Delaware
By purpose
Home purchase 73% (96)Home improvement 9% (12)Refinancing 10% (13)Other purpose 8% (10)
By type
Conventional 100% (131)
Denial reasons as coded
Share of 27 denials in Delaware by first denial reason coded (outlined bar: all lenders in the state).
Counties in Delaware
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Sussex County | 198 | 114 | $16m | 18.2% |
| Kent County | 25 | 17 | $1.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Shore Federal Savings and Loan Association originate in Delaware in 2024?
131 loans totalling $18m, from 224 applications reported for properties in Delaware.
What is First Shore Federal Savings and Loan Association's denial rate in Delaware?
16.4% of decided applications in Delaware were denied, against 25.4% for all lenders in the state and 15.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Delaware counties does First Shore Federal Savings and Loan Association lend in most?
By originations: Sussex County (114), Kent County (17).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Delaware. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.