Purchase Originations
637
Ranked #543 nationally
Median Total Costs
$7,159
+7.2% vs national ($6,680)
↓ $590 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,096
Median Lender Credits
$500
Cost Rank (500+ vol.)
#381
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 461 | 6.375% | $6,271 | $2,380 |
| fha | 128 | 6.250% | $10,599 | $1,155 |
| va | 41 | 6.250% | $12,789 | $1,400 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 509 | 6.375% | $7,127 | #28 |
| Virginia | 44 | 6.125% | $10,129 | — |
| Delaware | 42 | 6.250% | $5,915 | — |
| Pennsylvania | 18 | 6.370% | $9,086 | — |
| West Virginia | 12 | 6.500% | $7,790 | — |
| District of Columbia | 3 | 6.125% | $12,962 | — |
| Florida | 2 | 6.875% | $10,436 | — |
| South Carolina | 2 | 6.375% | $5,535 | — |
| Alabama | 1 | 6.625% | $4,259 | — |
| Georgia | 1 | 6.500% | $16,439 | — |
| North Carolina | 1 | 6.875% | $4,555 | — |
| Ohio | 1 | 7.125% | $6,062 | — |
| Tennessee | 1 | 6.875% | $3,844 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,753 | 6.500% | — | 25 | −$1,406 | |
| 2 | $5,776 | 6.250% | — | 13 | −$1,383 | |
| 3 | $5,801 | 6.250% | — | 22 | −$1,358 | |
| 4 | $5,842 | 6.250% | — | 10 | −$1,317 | |
| 5 | $6,022 | 6.490% | — | 35 | −$1,137 | |
| 6 | $6,194 | 6.250% | — | 18 | −$965 | |
| 7 | $6,356 | 6.058% | — | 10 | −$803 | |
| 8 | $6,503 | 6.375% | — | 39 | −$656 | |
| 9 | $6,534 | 6.125% | — | 12 | −$625 | |
| 10 | $6,738 | 6.438% | — | 14 | −$421 | |
| 11 | $6,814 | 6.125% | — | 27 | −$345 | |
| 12 | $7,658 | 6.500% | — | 19 | +$499 | |
| 13 | $7,780 | 6.375% | — | 127 | +$621 | |
| 14 | $8,033 | 6.250% | — | 22 | +$874 | |
| 15 | $8,037 | 6.250% | — | 55 | +$878 | |
| 16 | $8,120 | 6.250% | — | 12 | +$961 | |
| 17 | $8,803 | 6.500% | — | 37 | +$1,644 | |
| 18 | $9,736 | 6.250% | — | 17 | +$2,577 | |
| 19 | $10,354 | 6.250% | — | 9 | +$3,195 | |
| 20 | $10,368 | 6.125% | — | 20 | +$3,209 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Shore United Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $7,159 | $7,127 | +$32 (+0.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.