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First Shore Federal Savings and Loan Association in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland 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 Maryland, First Shore Federal Savings and Loan Association reported 123 applications and 79 originations for 2024, $13m in all.
Its denial rate in the state was 12.2%, below the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 15.0%.
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | First Shore Federal Savings and Loan Association, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.2% | 24.9% | 15.0% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.7% | — | 15.6% |
| Average originated loan | $166k | $348k | $147k | $329k |
| Home purchase share | 62.0% | 56.2% | 69.3% | 57.0% |
| FHA-insured share | 0.0% | 14.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 62% (49)Home improvement 13% (10)Refinancing 10% (8)Other purpose 15% (12)
By type
Conventional 100% (79)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Worcester County | 48 | 38 | $7.6m | 7.3% |
| Wicomico County | 57 | 29 | $3.3m | 18.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Shore Federal Savings and Loan Association originate in Maryland in 2024?
79 loans totalling $13m, from 123 applications reported for properties in Maryland.
What is First Shore Federal Savings and Loan Association's denial rate in Maryland?
12.2% of decided applications in Maryland were denied, against 24.9% 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 Maryland counties does First Shore Federal Savings and Loan Association lend in most?
By originations: Worcester County (38), Wicomico County (29).
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 Maryland. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.