Shoreham Bank Mortgage Lending & HMDA Data, 2011
In 2011, Shoreham Bank of Warwick, RI reported 1,256 mortgage applications totaling $93.8 million. The average application was for $74,695, and applicants reported an average income of $70,528. 24% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (268), New York-White Plains-Wayne, NY-NJ (50) and Minneapolis-St. Paul-Bloomington, MN-WI (39) (applications in parentheses).
| Mortgage Company & Address | Shoreham Bank One Home Loan Plaza Warwick, RI 02886 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,256 |
| Total Mortgage Loan Application Amount | $93,817,000 |
| Average Mortgage Loan Application Amount | $74,695 |
| Highest Mortgage Loan Application Amount | $955,000 |
| Average Applicant Income | $70,528 |
| Highest Applicant Income | $1,080,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence, Rhode Island | 135 | $ 18,581,000 | $ 137,637 | $ 70,000 |
| Kent, Rhode Island | 71 | $ 10,092,000 | $ 142,140 | $ 71,000 |
| Ulster, New York | 28 | $ 258,000 | $ 9,214 | $ 47,000 |
| Hartford, Connecticut | 27 | $ 1,360,000 | $ 50,370 | $ 74,000 |
| Washington, Rhode Island | 22 | $ 4,939,000 | $ 224,500 | $ 125,000 |
| Norfolk, Massachusetts | 18 | $ 2,276,000 | $ 126,444 | $ 99,000 |
| Newport, Rhode Island | 18 | $ 4,500,000 | $ 250,000 | $ 83,000 |
| Broward, Florida | 17 | $ 269,000 | $ 15,823 | $ 85,000 |
| Bristol, Massachusetts | 14 | $ 1,181,000 | $ 84,357 | $ 94,000 |
| Middlesex, Massachusetts | 14 | $ 1,880,000 | $ 134,285 | $ 79,000 |
| New Haven, Connecticut | 13 | $ 550,000 | $ 42,307 | $ 67,000 |
| Anoka, Minnesota | 13 | $ 66,000 | $ 5,076 | $ 59,000 |
| Greene, New York | 13 | $ 136,000 | $ 10,461 | $ 32,000 |
| Monroe, New York | 13 | $ 290,000 | $ 22,307 | $ 52,000 |
| Maricopa, Arizona | 12 | $ 223,000 | $ 18,583 | $ 68,000 |
| Cook, Illinois | 12 | $ 166,000 | $ 13,833 | $ 83,000 |
| Suffolk, Massachusetts | 12 | $ 1,083,000 | $ 90,250 | $ 92,000 |
| Erie, New York | 12 | $ 376,000 | $ 31,333 | $ 76,000 |
| Hampden, Massachusetts | 11 | $ 334,000 | $ 30,363 | $ 41,000 |
| Bergen, New Jersey | 11 | $ 1,520,000 | $ 138,181 | $ 97,000 |
| Essex, New Jersey | 11 | $ 169,000 | $ 15,363 | $ 74,000 |
| Queens, New York | 10 | $ 2,415,000 | $ 241,500 | $ 88,000 |
| Suffolk, New York | 10 | $ 2,048,000 | $ 204,800 | $ 82,000 |
| Philadelphia, Pennsylvania | 10 | $ 558,000 | $ 55,800 | $ 41,000 |
| Fairfield, Connecticut | 9 | $ 1,188,000 | $ 132,000 | $ 66,000 |
| Essex, Massachusetts | 9 | $ 1,505,000 | $ 167,222 | $ 82,000 |
| Hennepin, Minnesota | 9 | $ 42,000 | $ 4,666 | $ 45,000 |
| Kings, New York | 9 | $ 1,895,000 | $ 210,555 | $ 87,000 |
| Nassau, New York | 9 | $ 1,982,000 | $ 220,222 | $ 136,000 |
| Jefferson, Colorado | 8 | $ 103,000 | $ 12,875 | $ 61,000 |
| Bronx, New York | 8 | $ 463,000 | $ 57,875 | $ 104,000 |
| Durham, North Carolina | 8 | $ 91,000 | $ 11,375 | $ 59,000 |
| Bristol, Rhode Island | 8 | $ 1,129,000 | $ 141,125 | $ 75,000 |
| Palm Beach, Florida | 7 | $ 1,053,000 | $ 150,428 | $ 111,000 |
| Plymouth, Massachusetts | 7 | $ 1,241,000 | $ 177,285 | $ 85,000 |
| Worcester, Massachusetts | 7 | $ 997,000 | $ 142,428 | $ 94,000 |
| Ramsey, Minnesota | 7 | $ 42,000 | $ 6,000 | $ 44,000 |
| Jackson, Missouri | 7 | $ 171,000 | $ 24,428 | $ 49,000 |
| Dutchess, New York | 7 | $ 302,000 | $ 43,142 | $ 77,000 |
| Franklin, Ohio | 7 | $ 146,000 | $ 20,857 | $ 70,000 |
| Caddo, Louisiana | 6 | $ 72,000 | $ 12,000 | $ 48,000 |
| Ocean, New Jersey | 6 | $ 272,000 | $ 45,333 | $ 139,000 |
| Albany, New York | 6 | $ 418,000 | $ 69,666 | $ 43,000 |
| Schenectady, New York | 6 | $ 83,000 | $ 13,833 | $ 53,000 |
| Westchester, New York | 6 | $ 2,015,000 | $ 335,833 | $ 283,000 |
| Litchfield, Connecticut | 5 | $ 427,000 | $ 85,400 | $ 78,000 |
| Windham, Connecticut | 5 | $ 385,000 | $ 77,000 | $ 63,000 |
| Marshall, Kansas | 5 | $ 54,000 | $ 10,800 | $ 46,000 |
| Union, New Jersey | 5 | $ 356,000 | $ 71,200 | $ 96,000 |
| Onondaga, New York | 5 | $ 143,000 | $ 28,600 | $ 69,000 |
| Oswego, New York | 5 | $ 91,000 | $ 18,200 | $ 64,000 |
| Wake, North Carolina | 5 | $ 31,000 | $ 6,200 | $ 48,000 |
| Cuyahoga, Ohio | 5 | $ 256,000 | $ 51,200 | $ 53,000 |
| Allegheny, Pennsylvania | 5 | $ 374,000 | $ 74,800 | $ 86,000 |
| Jefferson, Arkansas | 4 | $ 57,000 | $ 14,250 | $ 43,000 |
| Pulaski, Arkansas | 4 | $ 42,000 | $ 10,500 | $ 67,000 |
| Miami-Dade, Florida | 4 | $ 109,000 | $ 27,250 | $ 82,000 |
| Sedgwick, Kansas | 4 | $ 65,000 | $ 16,250 | $ 59,000 |
| Baltimore City, Maryland | 4 | $ 47,000 | $ 11,750 | $ 49,000 |
| Barnstable, Massachusetts | 4 | $ 737,000 | $ 184,250 | $ 125,000 |
| Oakland, Michigan | 4 | $ 58,000 | $ 14,500 | $ 105,000 |
| Dakota, Minnesota | 4 | $ 34,000 | $ 8,500 | $ 62,000 |
| Cape May, New Jersey | 4 | $ 267,000 | $ 66,750 | $ 140,000 |
| Cumberland, New Jersey | 4 | $ 120,000 | $ 30,000 | $ 83,000 |
| Middlesex, New Jersey | 4 | $ 66,000 | $ 16,500 | $ 121,000 |
| Monmouth, New Jersey | 4 | $ 48,000 | $ 12,000 | $ 80,000 |
| Somerset, New Jersey | 4 | $ 86,000 | $ 21,500 | $ 42,000 |
| Broome, New York | 4 | $ 58,000 | $ 14,500 | $ 56,000 |
| Livingston, New York | 4 | $ 180,000 | $ 45,000 | $ 57,000 |
| Oneida, New York | 4 | $ 88,000 | $ 22,000 | $ 33,000 |
| Richmond, New York | 4 | $ 641,000 | $ 160,250 | $ 75,000 |
| Steuben, New York | 4 | $ 100,000 | $ 25,000 | $ 20,000 |
| Guilford, North Carolina | 4 | $ 23,000 | $ 5,750 | $ 85,000 |
| Johnston, North Carolina | 4 | $ 17,000 | $ 4,250 | $ 44,000 |
| Scotland, North Carolina | 4 | $ 44,000 | $ 11,000 | $ 33,000 |
| Delaware, Ohio | 4 | $ 77,000 | $ 19,250 | $ 146,000 |
| Washington, Arkansas | 3 | $ 64,000 | $ 21,333 | $ 79,000 |
| Middlesex, Connecticut | 3 | $ 404,000 | $ 134,666 | $ 106,000 |
| New London, Connecticut | 3 | $ 129,000 | $ 43,000 | $ 77,000 |
| Tolland, Connecticut | 3 | $ 64,000 | $ 21,333 | $ 106,000 |
| Sussex, Delaware | 3 | $ 298,000 | $ 99,333 | $ 58,000 |
| Berkshire, Massachusetts | 3 | $ 40,000 | $ 13,333 | $ 62,000 |
| Kalamazoo, Michigan | 3 | $ 34,000 | $ 11,333 | $ 70,000 |
| Wayne, Michigan | 3 | $ 73,000 | $ 24,333 | $ 25,000 |
| Stearns, Minnesota | 3 | $ 11,000 | $ 3,666 | $ 40,000 |
| Camden, New Jersey | 3 | $ 45,000 | $ 15,000 | $ 74,000 |
| Gloucester, New Jersey | 3 | $ 182,000 | $ 60,666 | $ 90,000 |
| Cayuga, New York | 3 | $ 141,000 | $ 47,000 | $ 24,000 |
| Chenango, New York | 3 | $ 25,000 | $ 8,333 | $ 43,000 |
| Fulton, New York | 3 | $ 62,000 | $ 20,666 | $ 39,000 |
| Genesee, New York | 3 | $ 58,000 | $ 19,333 | $ 54,000 |
| Madison, New York | 3 | $ 39,000 | $ 13,000 | $ 27,000 |
| Orange, New York | 3 | $ 46,000 | $ 15,333 | $ 82,000 |
| Rensselaer, New York | 3 | $ 30,000 | $ 10,000 | $ 34,000 |
| Washington, New York | 3 | $ 208,000 | $ 69,333 | $ 47,000 |
| Wayne, New York | 3 | $ 20,000 | $ 6,666 | $ 36,000 |
| Halifax, North Carolina | 3 | $ 19,000 | $ 6,333 | $ 47,000 |
| Nash, North Carolina | 3 | $ 35,000 | $ 11,666 | $ 51,000 |
| Hamilton, Ohio | 3 | $ 31,000 | $ 10,333 | $ 59,000 |
| Okmulgee, Oklahoma | 3 | $ 118,000 | $ 39,333 | $ 78,000 |
| Monroe, Pennsylvania | 3 | $ 63,000 | $ 21,000 | $ 93,000 |
| Northumberland, Pennsylvania | 3 | $ 31,000 | $ 10,333 | $ 56,000 |
| Henrico, Virginia | 3 | $ 491,000 | $ 163,666 | $ 57,000 |
| King, Washington | 3 | $ 33,000 | $ 11,000 | $ 130,000 |
| Calhoun, Arkansas | 2 | $ 16,000 | $ 8,000 | $ 35,000 |
| Drew, Arkansas | 2 | $ 38,000 | $ 19,000 | $ 48,000 |
| Orange, California | 2 | $ 18,000 | $ 9,000 | $ 152,000 |
| Adams, Colorado | 2 | $ 43,000 | $ 21,500 | $ 71,000 |
| Arapahoe, Colorado | 2 | $ 373,000 | $ 186,500 | $ 66,000 |
| Denver, Colorado | 2 | $ 25,000 | $ 12,500 | $ 40,000 |
| New Castle, Delaware | 2 | $ 429,000 | $ 214,500 | $ 118,000 |
| Duval, Florida | 2 | $ 40,000 | $ 20,000 | $ 72,000 |
| Hillsborough, Florida | 2 | $ 16,000 | $ 8,000 | $ 47,000 |
| Manatee, Florida | 2 | $ 16,000 | $ 8,000 | $ 36,000 |
| Pinellas, Florida | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| DuPage, Illinois | 2 | $ 116,000 | $ 58,000 | $ 72,000 |
| Hancock, Illinois | 2 | $ 46,000 | $ 23,000 | $ 53,000 |
| Jefferson, Illinois | 2 | $ 16,000 | $ 8,000 | $ 0 |
| Peoria, Illinois | 2 | $ 55,000 | $ 27,500 | $ 28,000 |
| Winnebago, Illinois | 2 | $ 65,000 | $ 32,500 | $ 43,000 |
| Boone, Indiana | 2 | $ 11,000 | $ 5,500 | $ 28,000 |
| White, Indiana | 2 | $ 17,000 | $ 8,500 | $ 59,000 |
| Polk, Iowa | 2 | $ 38,000 | $ 19,000 | $ 29,000 |
| Butler, Kansas | 2 | $ 33,000 | $ 16,500 | $ 37,000 |
| Phillips, Kansas | 2 | $ 25,000 | $ 12,500 | $ 38,000 |
| Republic, Kansas | 2 | $ 16,000 | $ 8,000 | $ 29,000 |
| Rooks, Kansas | 2 | $ 45,000 | $ 22,500 | $ 47,000 |
| Wyandotte, Kansas | 2 | $ 33,000 | $ 16,500 | $ 59,000 |
| Bossier, Louisiana | 2 | $ 22,000 | $ 11,000 | $ 38,000 |
| Natchitoches, Louisiana | 2 | $ 19,000 | $ 9,500 | $ 30,000 |
| Penobscot, Maine | 2 | $ 138,000 | $ 69,000 | $ 17,000 |
| Baltimore, Maryland | 2 | $ 158,000 | $ 79,000 | $ 60,000 |
| Hampshire, Massachusetts | 2 | $ 19,000 | $ 9,500 | $ 58,000 |
| Calhoun, Michigan | 2 | $ 39,000 | $ 19,500 | $ 89,000 |
| Genesee, Michigan | 2 | $ 45,000 | $ 22,500 | $ 63,000 |
| Muskegon, Michigan | 2 | $ 164,000 | $ 82,000 | $ 76,000 |
| Sherburne, Minnesota | 2 | $ 13,000 | $ 6,500 | $ 37,000 |
| Washington, Minnesota | 2 | $ 11,000 | $ 5,500 | $ 53,000 |
| Boone, Missouri | 2 | $ 32,000 | $ 16,000 | $ 72,000 |
| Rockingham, New Hampshire | 2 | $ 179,000 | $ 89,500 | $ 103,000 |
| Warren, New Jersey | 2 | $ 39,000 | $ 19,500 | $ 126,000 |
| Chemung, New York | 2 | $ 18,000 | $ 9,000 | $ 35,000 |
| Columbia, New York | 2 | $ 14,000 | $ 7,000 | $ 42,000 |
| Delaware, New York | 2 | $ 13,000 | $ 6,500 | $ 53,000 |
| Herkimer, New York | 2 | $ 25,000 | $ 12,500 | $ 51,000 |
| Niagara, New York | 2 | $ 20,000 | $ 10,000 | $ 58,000 |
| Ontario, New York | 2 | $ 11,000 | $ 5,500 | $ 64,000 |
| Saratoga, New York | 2 | $ 212,000 | $ 106,000 | $ 58,000 |
| Schoharie, New York | 2 | $ 268,000 | $ 134,000 | $ 30,000 |
| St. Lawrence, New York | 2 | $ 72,000 | $ 36,000 | $ 37,000 |
| Wyoming, New York | 2 | $ 26,000 | $ 13,000 | $ 69,000 |
| Columbus, North Carolina | 2 | $ 34,000 | $ 17,000 | $ 47,000 |
| Rowan, North Carolina | 2 | $ 22,000 | $ 11,000 | $ 77,000 |
| Warren, North Carolina | 2 | $ 9,000 | $ 4,500 | $ 18,000 |
| Lucas, Ohio | 2 | $ 16,000 | $ 8,000 | $ 22,000 |
| Berks, Pennsylvania | 2 | $ 266,000 | $ 133,000 | $ 74,000 |
| Dauphin, Pennsylvania | 2 | $ 253,000 | $ 126,500 | $ 87,000 |
| Delaware, Pennsylvania | 2 | $ 98,000 | $ 49,000 | $ 95,000 |
| Lehigh, Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 105,000 |
| Northampton, Pennsylvania | 2 | $ 107,000 | $ 53,500 | $ 45,000 |
| Sullivan, Pennsylvania | 2 | $ 9,000 | $ 4,500 | $ 63,000 |
| Washington, Pennsylvania | 2 | $ 99,000 | $ 49,500 | $ 56,000 |
| Westmoreland, Pennsylvania | 2 | $ 315,000 | $ 157,500 | $ 64,000 |
| Lexington, South Carolina | 2 | $ 15,000 | $ 7,500 | $ 45,000 |
| Chesterfield, Virginia | 2 | $ 33,000 | $ 16,500 | $ 293,000 |
| Fairfax, Virginia | 2 | $ 683,000 | $ 341,500 | $ 129,000 |
| Clark, Washington | 2 | $ 16,000 | $ 8,000 | $ 29,000 |
| Spokane, Washington | 2 | $ 42,000 | $ 21,000 | $ 67,000 |
| Milwaukee, Wisconsin | 2 | $ 42,000 | $ 21,000 | $ 35,000 |
| Jefferson, Alabama | 1 | $ 9,000 | $ 9,000 | $ 45,000 |
| Macon, Alabama | 1 | $ 8,000 | $ 8,000 | $ 9,000 |
| Benton, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Desha, Arkansas | 1 | $ 16,000 | $ 16,000 | $ 101,000 |
| Faulkner, Arkansas | 1 | $ 25,000 | $ 25,000 | $ 154,000 |
| Franklin, Arkansas | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Union, Arkansas | 1 | $ 11,000 | $ 11,000 | $ 89,000 |
| White, Arkansas | 1 | $ 4,000 | $ 4,000 | $ 71,000 |
| Fresno, California | 1 | $ 93,000 | $ 93,000 | $ 41,000 |
| Los Angeles, California | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Riverside, California | 1 | $ 22,000 | $ 22,000 | $ 71,000 |
| San Bernardino, California | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Santa Clara, California | 1 | $ 25,000 | $ 25,000 | $ 198,000 |
| Solano, California | 1 | $ 25,000 | $ 25,000 | $ 159,000 |
| Sutter, California | 1 | $ 23,000 | $ 23,000 | $ 54,000 |
| Conejos, Colorado | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Elbert, Colorado | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Columbia, Florida | 1 | $ 58,000 | $ 58,000 | $ 54,000 |
| Lee, Florida | 1 | $ 132,000 | $ 132,000 | $ 25,000 |
| Putnam, Florida | 1 | $ 380,000 | $ 380,000 | $ 145,000 |
| Sarasota, Florida | 1 | $ 12,000 | $ 12,000 | $ 106,000 |
| Seminole, Florida | 1 | $ 8,000 | $ 8,000 | $ 112,000 |
| St. Lucie, Florida | 1 | $ 47,000 | $ 47,000 | $ 14,000 |
| Clinch, Georgia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Cobb, Georgia | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Douglas, Georgia | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Floyd, Georgia | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Fulton, Georgia | 1 | $ 120,000 | $ 120,000 | $ 24,000 |
| Gwinnett, Georgia | 1 | $ 11,000 | $ 11,000 | $ 58,000 |
| Paulding, Georgia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Walker, Georgia | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Kootenai, Idaho | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Christian, Illinois | 1 | $ 29,000 | $ 29,000 | $ 16,000 |
| Franklin, Illinois | 1 | $ 22,000 | $ 22,000 | $ 78,000 |
| Grundy, Illinois | 1 | $ 8,000 | $ 8,000 | $ 93,000 |
| Henry, Illinois | 1 | $ 180,000 | $ 180,000 | $ 360,000 |
| Lake, Illinois | 1 | $ 17,000 | $ 17,000 | $ 111,000 |
| Madison, Illinois | 1 | $ 47,000 | $ 47,000 | $ 39,000 |
| McLean, Illinois | 1 | $ 6,000 | $ 6,000 | $ 27,000 |
| Saline, Illinois | 1 | $ 26,000 | $ 26,000 | $ 12,000 |
| Tazewell, Illinois | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Whiteside, Illinois | 1 | $ 23,000 | $ 23,000 | $ 62,000 |
| Will, Illinois | 1 | $ 11,000 | $ 11,000 | $ 70,000 |
| Allen, Indiana | 1 | $ 13,000 | $ 13,000 | $ 27,000 |
| Greene, Indiana | 1 | $ 27,000 | $ 27,000 | $ 38,000 |
| Kosciusko, Indiana | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| LaPorte, Indiana | 1 | $ 10,000 | $ 10,000 | $ 150,000 |
| Lawrence, Indiana | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| Perry, Indiana | 1 | $ 12,000 | $ 12,000 | $ 54,000 |
| St. Joseph, Indiana | 1 | $ 3,000 | $ 3,000 | $ 41,000 |
| Tippecanoe, Indiana | 1 | $ 56,000 | $ 56,000 | $ 155,000 |
| Clinton, Iowa | 1 | $ 23,000 | $ 23,000 | $ 88,000 |
| Des Moines, Iowa | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Scott, Iowa | 1 | $ 11,000 | $ 11,000 | $ 56,000 |
| Brown, Kansas | 1 | $ 23,000 | $ 23,000 | $ 80,000 |
| Douglas, Kansas | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Finney, Kansas | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Greeley, Kansas | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Jackson, Kansas | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Johnson, Kansas | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Kingman, Kansas | 1 | $ 14,000 | $ 14,000 | $ 55,000 |
| Logan, Kansas | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| McPherson, Kansas | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Meade, Kansas | 1 | $ 15,000 | $ 15,000 | $ 93,000 |
| Ness, Kansas | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Ottawa, Kansas | 1 | $ 2,000 | $ 2,000 | $ 28,000 |
| Reno, Kansas | 1 | $ 7,000 | $ 7,000 | $ 9,000 |
| Russell, Kansas | 1 | $ 4,000 | $ 4,000 | $ 38,000 |
| Scott, Kansas | 1 | $ 18,000 | $ 18,000 | $ 66,000 |
| Shawnee, Kansas | 1 | $ 64,000 | $ 64,000 | $ 88,000 |
| Sherman, Kansas | 1 | $ 24,000 | $ 24,000 | $ 91,000 |
| Sumner, Kansas | 1 | $ 20,000 | $ 20,000 | $ 91,000 |
| Wallace, Kansas | 1 | $ 16,000 | $ 16,000 | $ 89,000 |
| Daviess, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Morgan, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 10,000 |
| Pike, Kentucky | 1 | $ 70,000 | $ 70,000 | $ 54,000 |
| Taylor, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 8,000 |
| Iberia, Louisiana | 1 | $ 8,000 | $ 8,000 | $ 33,000 |
| Red River, Louisiana | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| St. Tammany, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Androscoggin, Maine | 1 | $ 70,000 | $ 70,000 | $ 11,000 |
| Cumberland, Maine | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Oxford, Maine | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| York, Maine | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Queen Anne's, Maryland | 1 | $ 127,000 | $ 127,000 | $ 61,000 |
| Allegan, Michigan | 1 | $ 7,000 | $ 7,000 | $ 48,000 |
| Hillsdale, Michigan | 1 | $ 13,000 | $ 13,000 | $ 48,000 |
| Mecosta, Michigan | 1 | $ 126,000 | $ 126,000 | $ 30,000 |
| Newaygo, Michigan | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Saginaw, Michigan | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| St. Joseph, Michigan | 1 | $ 82,000 | $ 82,000 | $ 25,000 |
| Wexford, Michigan | 1 | $ 145,000 | $ 145,000 | $ 13,000 |
| Chisago, Minnesota | 1 | $ 18,000 | $ 18,000 | $ 126,000 |
| Wright, Minnesota | 1 | $ 3,000 | $ 3,000 | $ 200,000 |
| Lafayette, Mississippi | 1 | $ 8,000 | $ 8,000 | $ 37,000 |
| Madison, Mississippi | 1 | $ 8,000 | $ 8,000 | $ 33,000 |
| Marion, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Simpson, Mississippi | 1 | $ 13,000 | $ 13,000 | $ 53,000 |
| Tippah, Mississippi | 1 | $ 8,000 | $ 8,000 | $ 12,000 |
| Cass, Missouri | 1 | $ 19,000 | $ 19,000 | $ 80,000 |
| Clay, Missouri | 1 | $ 19,000 | $ 19,000 | $ 72,000 |
| Cole, Missouri | 1 | $ 9,000 | $ 9,000 | $ 24,000 |
| Cooper, Missouri | 1 | $ 15,000 | $ 15,000 | $ 95,000 |
| Dunklin, Missouri | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Oregon, Missouri | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Platte, Missouri | 1 | $ 23,000 | $ 23,000 | $ 79,000 |
| St. Louis City, Missouri | 1 | $ 200,000 | $ 200,000 | $ 18,000 |
| Lincoln, Montana | 1 | $ 25,000 | $ 25,000 | $ 280,000 |
| Clay, Nebraska | 1 | $ 21,000 | $ 21,000 | $ 40,000 |
| Douglas, Nebraska | 1 | $ 6,000 | $ 6,000 | $ 85,000 |
| Gage, Nebraska | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Hall, Nebraska | 1 | $ 8,000 | $ 8,000 | $ 18,000 |
| Jefferson, Nebraska | 1 | $ 13,000 | $ 13,000 | $ 28,000 |
| Saline, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Hillsborough, New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Atlantic, New Jersey | 1 | $ 241,000 | $ 241,000 | $ 105,000 |
| Burlington, New Jersey | 1 | $ 17,000 | $ 17,000 | $ 75,000 |
| Hudson, New Jersey | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Mercer, New Jersey | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Morris, New Jersey | 1 | $ 16,000 | $ 16,000 | $ 79,000 |
| Passaic, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Sussex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Chautauqua, New York | 1 | $ 8,000 | $ 8,000 | $ 17,000 |
| Cortland, New York | 1 | $ 3,000 | $ 3,000 | $ 15,000 |
| Essex, New York | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Hamilton, New York | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Lewis, New York | 1 | $ 16,000 | $ 16,000 | $ 33,000 |
| Sullivan, New York | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Tompkins, New York | 1 | $ 24,000 | $ 24,000 | $ 42,000 |
| Brunswick, North Carolina | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Caldwell, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Camden, North Carolina | 1 | $ 9,000 | $ 9,000 | $ 45,000 |
| Chowan, North Carolina | 1 | $ 8,000 | $ 8,000 | $ 41,000 |
| Edgecombe, North Carolina | 1 | $ 4,000 | $ 4,000 | $ 32,000 |
| Franklin, North Carolina | 1 | $ 9,000 | $ 9,000 | $ 92,000 |
| Gates, North Carolina | 1 | $ 7,000 | $ 7,000 | $ 77,000 |
| Granville, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Hoke, North Carolina | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Lee, North Carolina | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Lincoln, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 53,000 |
| Mecklenburg, North Carolina | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Moore, North Carolina | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Pender, North Carolina | 1 | $ 6,000 | $ 6,000 | $ 46,000 |
| Randolph, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Robeson, North Carolina | 1 | $ 16,000 | $ 16,000 | $ 90,000 |
| Rockingham, North Carolina | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Rutherford, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 87,000 |
| Sampson, North Carolina | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Vance, North Carolina | 1 | $ 66,000 | $ 66,000 | $ 30,000 |
| Adams, Ohio | 1 | $ 59,000 | $ 59,000 | $ 12,000 |
| Ashtabula, Ohio | 1 | $ 9,000 | $ 9,000 | $ 66,000 |
| Butler, Ohio | 1 | $ 8,000 | $ 8,000 | $ 68,000 |
| Clark, Ohio | 1 | $ 59,000 | $ 59,000 | $ 12,000 |
| Coshocton, Ohio | 1 | $ 183,000 | $ 183,000 | $ 50,000 |
| Fairfield, Ohio | 1 | $ 18,000 | $ 18,000 | $ 173,000 |
| Fulton, Ohio | 1 | $ 13,000 | $ 13,000 | $ 25,000 |
| Highland, Ohio | 1 | $ 193,000 | $ 193,000 | $ 50,000 |
| Lawrence, Ohio | 1 | $ 80,000 | $ 80,000 | $ 22,000 |
| Licking, Ohio | 1 | $ 13,000 | $ 13,000 | $ 73,000 |
| Miami, Ohio | 1 | $ 22,000 | $ 22,000 | $ 37,000 |
| Monroe, Ohio | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Montgomery, Ohio | 1 | $ 8,000 | $ 8,000 | $ 103,000 |
| Muskingum, Ohio | 1 | $ 12,000 | $ 12,000 | $ 27,000 |
| Paulding, Ohio | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Putnam, Ohio | 1 | $ 14,000 | $ 14,000 | $ 79,000 |
| Summit, Ohio | 1 | $ 10,000 | $ 10,000 | $ 154,000 |
| Carter, Oklahoma | 1 | $ 7,000 | $ 7,000 | $ 28,000 |
| Le Flore, Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 85,000 |
| Marion, Oregon | 1 | $ 8,000 | $ 8,000 | $ 39,000 |
| Bucks, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Chester, Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 123,000 |
| Clearfield, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Clinton, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Erie, Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Franklin, Pennsylvania | 1 | $ 16,000 | $ 16,000 | $ 109,000 |
| Huntingdon, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Juniata, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Lackawanna, Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 28,000 |
| Lancaster, Pennsylvania | 1 | $ 9,000 | $ 9,000 | $ 85,000 |
| Luzerne, Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 79,000 |
| Lycoming, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Potter, Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 31,000 |
| Schuylkill, Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 28,000 |
| Tioga, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Wyoming, Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 86,000 |
| York, Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 18,000 |
| Allendale, South Carolina | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Colleton, South Carolina | 1 | $ 6,000 | $ 6,000 | $ 46,000 |
| Florence, South Carolina | 1 | $ 8,000 | $ 8,000 | $ 132,000 |
| Georgetown, South Carolina | 1 | $ 8,000 | $ 8,000 | $ 22,000 |
| Horry, South Carolina | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Marion, South Carolina | 1 | $ 63,000 | $ 63,000 | $ 22,000 |
| Richland, South Carolina | 1 | $ 74,000 | $ 74,000 | $ 25,000 |
| Hutchinson, South Dakota | 1 | $ 15,000 | $ 15,000 | $ 47,000 |
| Bedford, Tennessee | 1 | $ 4,000 | $ 4,000 | $ 29,000 |
| Carroll, Tennessee | 1 | $ 8,000 | $ 8,000 | $ 16,000 |
| Lake, Tennessee | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Lewis, Tennessee | 1 | $ 32,000 | $ 32,000 | $ 15,000 |
| Loudon, Tennessee | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| Montgomery, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Comal, Texas | 1 | $ 4,000 | $ 4,000 | $ 27,000 |
| Tarrant, Texas | 1 | $ 8,000 | $ 8,000 | $ 32,000 |
| Chittenden, Vermont | 1 | $ 211,000 | $ 211,000 | $ 75,000 |
| Buchanan, Virginia | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Chesapeake, Virginia | 1 | $ 204,000 | $ 204,000 | $ 58,000 |
| Henry, Virginia | 1 | $ 90,000 | $ 90,000 | $ 67,000 |
| James City, Virginia | 1 | $ 321,000 | $ 321,000 | $ 113,000 |
| Lunenburg, Virginia | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Newport News, Virginia | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Norfolk, Virginia | 1 | $ 58,000 | $ 58,000 | $ 38,000 |
| Richmond City, Virginia | 1 | $ 129,000 | $ 129,000 | $ 53,000 |
| Roanoke City, Virginia | 1 | $ 64,000 | $ 64,000 | $ 22,000 |
| Scott, Virginia | 1 | $ 185,000 | $ 185,000 | $ 28,000 |
| Spotsylvania, Virginia | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Stafford, Virginia | 1 | $ 396,000 | $ 396,000 | $ 591,000 |
| Wythe, Virginia | 1 | $ 13,000 | $ 13,000 | $ 50,000 |
| Adams, Washington | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Kittitas, Washington | 1 | $ 10,000 | $ 10,000 | $ 91,000 |
| Okanogan, Washington | 1 | $ 106,000 | $ 106,000 | $ 24,000 |
| Pend Oreille, Washington | 1 | $ 15,000 | $ 15,000 | $ 76,000 |
| Pierce, Washington | 1 | $ 12,000 | $ 12,000 | $ 42,000 |
| Thurston, Washington | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Monongalia, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Upshur, West Virginia | 1 | $ 4,000 | $ 4,000 | $ 84,000 |
| Manitowoc, Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 31,000 |
| Polk, Wisconsin | 1 | $ 11,000 | $ 11,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 800 | $10,457,000 | $13,000 | $27,000 | $66,000 | $300,000 |
| Refinancing | 328 | $61,378,000 | $187,000 | $955,000 | $81,000 | $1,080,000 |
| Home Purchase | 128 | $21,982,000 | $171,000 | $551,000 | $72,000 | $482,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 987 | $66,641,000 | $67,000 | $955,000 | $69,000 | $1,080,000 |
| Black or African American | 100 | $6,461,000 | $64,000 | $429,000 | $63,000 | $250,000 |
| Not Provided | 77 | $11,446,000 | $148,000 | $665,000 | $91,000 | $591,000 |
| Hispanic | 66 | $5,287,000 | $80,000 | $551,000 | $67,000 | $173,000 |
| Asian | 21 | $3,703,000 | $176,000 | $488,000 | $89,000 | $228,000 |
| American Indian or Alaskan Native | 3 | $263,000 | $87,000 | $180,000 | $162,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $16,000 | $8,000 | $8,000 | $74,000 | $75,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 918 | $31,822,000 | $34,000 | $551,000 | $65,000 | $300,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 327 | $59,723,000 | $182,000 | $955,000 | $86,000 | $1,080,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,272,000 | $206,000 | $417,000 | $57,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 585 | $37,247,000 | $63,000 | $955,000 | $57,000 | $286,000 |
| Loan Originated | 299 | $25,295,000 | $84,000 | $665,000 | $85,000 | $591,000 |
| Application Withdrawn By Applicant | 250 | $8,558,000 | $34,000 | $835,000 | $75,000 | $1,080,000 |
| Application Approved But Not Accepted | 118 | $21,646,000 | $183,000 | $529,000 | $91,000 | $423,000 |
| File Closed For Incompleteness | 4 | $1,071,000 | $267,000 | $429,000 | $141,000 | $176,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 472 | $24,718,000 | $52,000 | $955,000 | $55,000 | $257,000 |
| Debt-To-Income Ratio | 86 | $7,479,000 | $86,000 | $483,000 | $61,000 | $286,000 |
| Collateral | 14 | $3,219,000 | $229,000 | $374,000 | $91,000 | $172,000 |
| Other | 6 | $302,000 | $50,000 | $229,000 | $82,000 | $126,000 |
| Employment History | 3 | $659,000 | $219,000 | $252,000 | $34,000 | $68,000 |
| Unverifiable Information | 2 | $455,000 | $227,000 | $285,000 | $48,000 | $51,000 |
| Credit Application Incomplete | 2 | $415,000 | $207,000 | $350,000 | $92,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Shoreham Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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