Shoreham Bank Mortgage Lending & HMDA Data, 2022

In 2022, Shoreham Bank of Warwick, RI reported 1,833 mortgage applications totaling $200.6 million, down 42% from 2021. The average application was for $109,451, and applicants reported an average income of $112,230. 43% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Providence-Warwick, RI-MA (352), Cambridge-Newton-Framingham, MA (78) and Salisbury, MD-DE (37) (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 1,833
Total Mortgage Loan Application Amount $200,625,000
Average Mortgage Loan Application Amount $109,451
Highest Mortgage Loan Application Amount $1,565,000
Average Applicant Income $112,230
Highest Applicant Income $3,872,000

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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Shoreham Bank by County in 2022

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 159 $ 36,765,000 $ 231,226 $ 110,000
Kent, Rhode Island 82 $ 20,220,000 $ 246,585 $ 110,000
Essex, Massachusetts 57 $ 19,435,000 $ 340,964 $ 177,000
Newport, Rhode Island 43 $ 21,655,000 $ 503,604 $ 185,000
Washington, Rhode Island 34 $ 12,650,000 $ 372,058 $ 142,000
Sussex, Delaware 29 $ 685,000 $ 23,620 $ 95,000
Rockingham, New Hampshire 25 $ 9,775,000 $ 391,000 $ 153,000
Bristol, Massachusetts 23 $ 5,465,000 $ 237,608 $ 120,000
Hillsborough, New Hampshire 22 $ 5,470,000 $ 248,636 $ 127,000
Middlesex, Massachusetts 21 $ 6,855,000 $ 326,428 $ 119,000
Worcester, Massachusetts 16 $ 3,150,000 $ 196,875 $ 115,000
Palm Beach, Florida 15 $ 375,000 $ 25,000 $ 110,000
Cook, Illinois 13 $ 305,000 $ 23,461 $ 100,000
Kent, Delaware 12 $ 280,000 $ 23,333 $ 85,000
Indian River, Florida 12 $ 230,000 $ 19,166 $ 100,000
Maricopa, Arizona 11 $ 1,085,000 $ 98,636 $ 121,000
Broward, Florida 11 $ 295,000 $ 26,818 $ 80,000
St. Joseph, Indiana 11 $ 145,000 $ 13,181 $ 65,000
Bristol, Rhode Island 11 $ 4,165,000 $ 378,636 $ 126,000
Windham, Connecticut 10 $ 1,830,000 $ 183,000 $ 96,000
Lake, Florida 10 $ 230,000 $ 23,000 $ 82,000
Plymouth, Massachusetts 10 $ 3,150,000 $ 315,000 $ 97,000
Prince William, Virginia 9 $ 195,000 $ 21,666 $ 165,000
Los Angeles, California 8 $ 170,000 $ 21,250 $ 126,000
Norfolk, Massachusetts 8 $ 2,500,000 $ 312,500 $ 176,000
Milwaukee, Wisconsin 8 $ 190,000 $ 23,750 $ 79,000
Hartford, Connecticut 7 $ 755,000 $ 107,857 $ 127,000
Polk, Florida 7 $ 135,000 $ 19,285 $ 71,000
Bossier, Louisiana 7 $ 195,000 $ 27,857 $ 106,000
Hampden, Massachusetts 7 $ 415,000 $ 59,285 $ 109,000
Essex, New Jersey 7 $ 135,000 $ 19,285 $ 92,000
Robeson, North Carolina 7 $ 125,000 $ 17,857 $ 98,000
Harris, Texas 7 $ 205,000 $ 29,285 $ 108,000
Saline, Arkansas 6 $ 150,000 $ 25,000 $ 102,000
Riverside, California 6 $ 150,000 $ 25,000 $ 129,000
New Castle, Delaware 6 $ 290,000 $ 48,333 $ 76,000
Lee, Florida 6 $ 130,000 $ 21,666 $ 145,000
Kootenai, Idaho 6 $ 210,000 $ 35,000 $ 220,000
Acadia, Louisiana 6 $ 120,000 $ 20,000 $ 112,000
Anne Arundel, Maryland 6 $ 140,000 $ 23,333 $ 100,000
Wayne, Michigan 6 $ 130,000 $ 21,666 $ 61,000
Jackson, Missouri 6 $ 130,000 $ 21,666 $ 84,000
Atlantic, New Jersey 6 $ 330,000 $ 55,000 $ 86,000
Wake, North Carolina 6 $ 150,000 $ 25,000 $ 136,000
Columbiana, Ohio 6 $ 100,000 $ 16,666 $ 96,000
Philadelphia, Pennsylvania 6 $ 120,000 $ 20,000 $ 64,000
Denver, Colorado 5 $ 125,000 $ 25,000 $ 173,000
El Paso, Colorado 5 $ 125,000 $ 25,000 $ 106,000
Weld, Colorado 5 $ 125,000 $ 25,000 $ 99,000
New Haven, Connecticut 5 $ 105,000 $ 21,000 $ 119,000
Hernando, Florida 5 $ 85,000 $ 17,000 $ 57,000
Hillsborough, Florida 5 $ 455,000 $ 91,000 $ 157,000
Gwinnett, Georgia 5 $ 125,000 $ 25,000 $ 146,000
DuPage, Illinois 5 $ 125,000 $ 25,000 $ 172,000
Macon, Illinois 5 $ 115,000 $ 23,000 $ 87,000
Elkhart, Indiana 5 $ 65,000 $ 13,000 $ 55,000
Johnson, Kansas 5 $ 85,000 $ 17,000 $ 88,000
Livingston, Louisiana 5 $ 125,000 $ 25,000 $ 100,000
Baltimore, Maryland 5 $ 115,000 $ 23,000 $ 98,000
Caroline, Maryland 5 $ 125,000 $ 25,000 $ 95,000
Merrimack, New Hampshire 5 $ 585,000 $ 117,000 $ 132,000
Allen, Ohio 5 $ 85,000 $ 17,000 $ 95,000
Trumbull, Ohio 5 $ 115,000 $ 23,000 $ 94,000
Wood, Ohio 5 $ 125,000 $ 25,000 $ 133,000
Creek, Oklahoma 5 $ 105,000 $ 21,000 $ 146,000
Tulsa, Oklahoma 5 $ 85,000 $ 17,000 $ 98,000
Allegheny, Pennsylvania 5 $ 125,000 $ 25,000 $ 68,000
Chester, Pennsylvania 5 $ 955,000 $ 191,000 $ 145,000
Racine, Wisconsin 5 $ 125,000 $ 25,000 $ 101,000
Marshall, Alabama 4 $ 80,000 $ 20,000 $ 100,000
Pinal, Arizona 4 $ 100,000 $ 25,000 $ 98,000
New London, Connecticut 4 $ 480,000 $ 120,000 $ 108,000
Brevard, Florida 4 $ 80,000 $ 20,000 $ 85,000
Duval, Florida 4 $ 80,000 $ 20,000 $ 78,000
Marion, Florida 4 $ 100,000 $ 25,000 $ 70,000
Pinellas, Florida 4 $ 310,000 $ 77,500 $ 145,000
St. Lucie, Florida 4 $ 90,000 $ 22,500 $ 99,000
LaSalle, Illinois 4 $ 100,000 $ 25,000 $ 86,000
Macoupin, Illinois 4 $ 60,000 $ 15,000 $ 84,000
Leavenworth, Kansas 4 $ 90,000 $ 22,500 $ 118,000
Iberia, Louisiana 4 $ 100,000 $ 25,000 $ 75,000
Dorchester, Maryland 4 $ 100,000 $ 25,000 $ 104,000
Wicomico, Maryland 4 $ 100,000 $ 25,000 $ 145,000
Belknap, New Hampshire 4 $ 1,380,000 $ 345,000 $ 281,000
Burlington, New Jersey 4 $ 100,000 $ 25,000 $ 172,000
Albany, New York 4 $ 340,000 $ 85,000 $ 115,000
Orange, New York 4 $ 100,000 $ 25,000 $ 128,000
Suffolk, New York 4 $ 90,000 $ 22,500 $ 157,000
Guilford, North Carolina 4 $ 80,000 $ 20,000 $ 77,000
Cuyahoga, Ohio 4 $ 90,000 $ 22,500 $ 57,000
Delaware, Ohio 4 $ 100,000 $ 25,000 $ 226,000
Franklin, Ohio 4 $ 100,000 $ 25,000 $ 92,000
Lorain, Ohio 4 $ 100,000 $ 25,000 $ 124,000
Mahoning, Ohio 4 $ 80,000 $ 20,000 $ 64,000
Ross, Ohio 4 $ 90,000 $ 22,500 $ 52,000
Mayes, Oklahoma 4 $ 100,000 $ 25,000 $ 135,000
Montgomery, Pennsylvania 4 $ 80,000 $ 20,000 $ 106,000
Schuylkill, Pennsylvania 4 $ 100,000 $ 25,000 $ 99,000
Horry, South Carolina 4 $ 160,000 $ 40,000 $ 44,000
Wilson, Tennessee 4 $ 340,000 $ 85,000 $ 136,000
Dallas, Texas 4 $ 100,000 $ 25,000 $ 69,000
Montgomery, Texas 4 $ 80,000 $ 20,000 $ 97,000
Loudoun, Virginia 4 $ 550,000 $ 137,500 $ 228,000
Washington, Wisconsin 4 $ 90,000 $ 22,500 $ 111,000
Colbert, Alabama 3 $ 75,000 $ 25,000 $ 81,000
San Bernardino, California 3 $ 75,000 $ 25,000 $ 136,000
San Diego, California 3 $ 75,000 $ 25,000 $ 231,000
San Luis Obispo, California 3 $ 65,000 $ 21,666 $ 123,000
Collier, Florida 3 $ 75,000 $ 25,000 $ 82,000
Miami-Dade, Florida 3 $ 75,000 $ 25,000 $ 121,000
Pasco, Florida 3 $ 55,000 $ 18,333 $ 96,000
Santa Rosa, Florida 3 $ 205,000 $ 68,333 $ 57,000
Volusia, Florida 3 $ 65,000 $ 21,666 $ 47,000
DeKalb, Georgia 3 $ 75,000 $ 25,000 $ 64,000
Fulton, Georgia 3 $ 75,000 $ 25,000 $ 127,000
Henry, Georgia 3 $ 75,000 $ 25,000 $ 78,000
Champaign, Illinois 3 $ 75,000 $ 25,000 $ 88,000
Will, Illinois 3 $ 175,000 $ 58,333 $ 113,000
Winnebago, Illinois 3 $ 75,000 $ 25,000 $ 87,000
Lake, Indiana 3 $ 65,000 $ 21,666 $ 83,000
Sedgwick, Kansas 3 $ 75,000 $ 25,000 $ 127,000
Meade, Kentucky 3 $ 65,000 $ 21,666 $ 76,000
Beauregard, Louisiana 3 $ 75,000 $ 25,000 $ 130,000
Caddo, Louisiana 3 $ 75,000 $ 25,000 $ 102,000
Lafayette, Louisiana 3 $ 245,000 $ 81,666 $ 131,000
Lafourche, Louisiana 3 $ 75,000 $ 25,000 $ 104,000
Queen Anne's, Maryland 3 $ 75,000 $ 25,000 $ 105,000
Barnstable, Massachusetts 3 $ 1,055,000 $ 351,666 $ 139,000
Berrien, Michigan 3 $ 55,000 $ 18,333 $ 75,000
Douglas, Nebraska 3 $ 45,000 $ 15,000 $ 33,000
Bergen, New Jersey 3 $ 75,000 $ 25,000 $ 94,000
Ocean, New Jersey 3 $ 75,000 $ 25,000 $ 91,000
Sussex, New Jersey 3 $ 65,000 $ 21,666 $ 106,000
Warren, New Jersey 3 $ 75,000 $ 25,000 $ 249,000
Bronx, New York 3 $ 75,000 $ 25,000 $ 93,000
New York, New York 3 $ 855,000 $ 285,000 $ 238,000
Catawba, North Carolina 3 $ 75,000 $ 25,000 $ 125,000
Harnett, North Carolina 3 $ 65,000 $ 21,666 $ 132,000
Randolph, North Carolina 3 $ 65,000 $ 21,666 $ 77,000
Sandusky, Ohio 3 $ 75,000 $ 25,000 $ 96,000
Okmulgee, Oklahoma 3 $ 75,000 $ 25,000 $ 103,000
Lehigh, Pennsylvania 3 $ 75,000 $ 25,000 $ 144,000
Monroe, Pennsylvania 3 $ 65,000 $ 21,666 $ 137,000
Venango, Pennsylvania 3 $ 65,000 $ 21,666 $ 82,000
Washington, Pennsylvania 3 $ 45,000 $ 15,000 $ 96,000
Davidson, Tennessee 3 $ 325,000 $ 108,333 $ 124,000
Hamilton, Tennessee 3 $ 845,000 $ 281,666 $ 73,000
Montgomery, Tennessee 3 $ 75,000 $ 25,000 $ 150,000
Robertson, Tennessee 3 $ 75,000 $ 25,000 $ 114,000
Bexar, Texas 3 $ 65,000 $ 21,666 $ 120,000
Orange, Texas 3 $ 65,000 $ 21,666 $ 108,000
Tarrant, Texas 3 $ 75,000 $ 25,000 $ 69,000
Walworth, Wisconsin 3 $ 65,000 $ 21,666 $ 86,000
Waukesha, Wisconsin 3 $ 75,000 $ 25,000 $ 89,000
Jefferson, Alabama 2 $ 50,000 $ 25,000 $ 69,000
Mobile, Alabama 2 $ 40,000 $ 20,000 $ 65,000
Montgomery, Alabama 2 $ 40,000 $ 20,000 $ 66,000
Pima, Arizona 2 $ 40,000 $ 20,000 $ 81,000
Yavapai, Arizona 2 $ 30,000 $ 15,000 $ 57,000
Amador, California 2 $ 50,000 $ 25,000 $ 83,000
Orange, California 2 $ 40,000 $ 20,000 $ 121,000
Sacramento, California 2 $ 50,000 $ 25,000 $ 92,000
Santa Clara, California 2 $ 50,000 $ 25,000 $ 134,000
Sonoma, California 2 $ 50,000 $ 25,000 $ 166,000
Adams, Colorado 2 $ 50,000 $ 25,000 $ 115,000
Moffat, Colorado 2 $ 40,000 $ 20,000 $ 36,000
Montrose, Colorado 2 $ 40,000 $ 20,000 $ 147,000
Middlesex, Connecticut 2 $ 50,000 $ 25,000 $ 84,000
Tolland, Connecticut 2 $ 30,000 $ 15,000 $ 124,000
District of Columbia, District Of Columbia 2 $ 20,000 $ 10,000 $ 67,000
Putnam, Florida 2 $ 370,000 $ 185,000 $ 172,000
Sarasota, Florida 2 $ 40,000 $ 20,000 $ 102,000
Barrow, Georgia 2 $ 50,000 $ 25,000 $ 53,000
Chatham, Georgia 2 $ 50,000 $ 25,000 $ 185,000
Effingham, Georgia 2 $ 40,000 $ 20,000 $ 116,000
Forsyth, Georgia 2 $ 50,000 $ 25,000 $ 86,000
Newton, Georgia 2 $ 30,000 $ 15,000 $ 121,000
Paulding, Georgia 2 $ 30,000 $ 15,000 $ 50,000
Piatt, Illinois 2 $ 50,000 $ 25,000 $ 88,000
Rock Island, Illinois 2 $ 50,000 $ 25,000 $ 120,000
Tazewell, Illinois 2 $ 50,000 $ 25,000 $ 78,000
Boone, Indiana 2 $ 50,000 $ 25,000 $ 122,000
Delaware, Indiana 2 $ 10,000 $ 5,000 $ 71,000
Marion, Indiana 2 $ 50,000 $ 25,000 $ 111,000
Butler, Kansas 2 $ 40,000 $ 20,000 $ 87,000
Sumner, Kansas 2 $ 40,000 $ 20,000 $ 82,000
Ascension, Louisiana 2 $ 230,000 $ 115,000 $ 138,000
Calcasieu, Louisiana 2 $ 40,000 $ 20,000 $ 141,000
Evangeline, Louisiana 2 $ 50,000 $ 25,000 $ 118,000
Jefferson Davis, Louisiana 2 $ 50,000 $ 25,000 $ 92,000
St. Landry, Louisiana 2 $ 50,000 $ 25,000 $ 144,000
St. Martin, Louisiana 2 $ 50,000 $ 25,000 $ 94,000
Terrebonne, Louisiana 2 $ 50,000 $ 25,000 $ 49,000
Vermilion, Louisiana 2 $ 50,000 $ 25,000 $ 81,000
West Baton Rouge, Louisiana 2 $ 50,000 $ 25,000 $ 110,000
Hancock, Maine 2 $ 50,000 $ 25,000 $ 61,000
Penobscot, Maine 2 $ 40,000 $ 20,000 $ 77,000
Sagadahoc, Maine 2 $ 30,000 $ 15,000 $ 79,000
Carroll, Maryland 2 $ 30,000 $ 15,000 $ 146,000
Cecil, Maryland 2 $ 50,000 $ 25,000 $ 101,000
Frederick, Maryland 2 $ 50,000 $ 25,000 $ 205,000
Kent, Maryland 2 $ 50,000 $ 25,000 $ 84,000
Montgomery, Maryland 2 $ 40,000 $ 20,000 $ 66,000
Prince George's, Maryland 2 $ 50,000 $ 25,000 $ 88,000
Somerset, Maryland 2 $ 50,000 $ 25,000 $ 132,000
Washington, Maryland 2 $ 50,000 $ 25,000 $ 140,000
Worcester, Maryland 2 $ 50,000 $ 25,000 $ 108,000
Hampshire, Massachusetts 2 $ 350,000 $ 175,000 $ 118,000
Suffolk, Massachusetts 2 $ 600,000 $ 300,000 $ 127,000
Jackson, Michigan 2 $ 50,000 $ 25,000 $ 98,000
Kent, Michigan 2 $ 40,000 $ 20,000 $ 94,000
Lapeer, Michigan 2 $ 50,000 $ 25,000 $ 118,000
Midland, Michigan 2 $ 50,000 $ 25,000 $ 127,000
Muskegon, Michigan 2 $ 40,000 $ 20,000 $ 63,000
Stearns, Minnesota 2 $ 50,000 $ 25,000 $ 70,000
Adair, Missouri 2 $ 40,000 $ 20,000 $ 86,000
Butler, Missouri 2 $ 30,000 $ 15,000 $ 82,000
St. Charles, Missouri 2 $ 50,000 $ 25,000 $ 251,000
Ste. Genevieve, Missouri 2 $ 40,000 $ 20,000 $ 67,000
Clark, Nevada 2 $ 30,000 $ 15,000 $ 97,000
White Pine, Nevada 2 $ 50,000 $ 25,000 $ 228,000
Carroll, New Hampshire 2 $ 900,000 $ 450,000 $ 264,000
Strafford, New Hampshire 2 $ 620,000 $ 310,000 $ 142,000
Cape May, New Jersey 2 $ 50,000 $ 25,000 $ 104,000
Cumberland, New Jersey 2 $ 150,000 $ 75,000 $ 35,000
Middlesex, New Jersey 2 $ 50,000 $ 25,000 $ 80,000
Morris, New Jersey 2 $ 230,000 $ 115,000 $ 231,000
Passaic, New Jersey 2 $ 400,000 $ 200,000 $ 89,000
Salem, New Jersey 2 $ 50,000 $ 25,000 $ 119,000
Sandoval, New Mexico 2 $ 50,000 $ 25,000 $ 113,000
Erie, New York 2 $ 40,000 $ 20,000 $ 78,000
Rockland, New York 2 $ 40,000 $ 20,000 $ 73,000
Steuben, New York 2 $ 110,000 $ 55,000 $ 22,000
Westchester, New York 2 $ 50,000 $ 25,000 $ 87,000
Brunswick, North Carolina 2 $ 50,000 $ 25,000 $ 139,000
Currituck, North Carolina 2 $ 50,000 $ 25,000 $ 106,000
Duplin, North Carolina 2 $ 30,000 $ 15,000 $ 101,000
Forsyth, North Carolina 2 $ 50,000 $ 25,000 $ 131,000
Johnston, North Carolina 2 $ 50,000 $ 25,000 $ 159,000
Lee, North Carolina 2 $ 40,000 $ 20,000 $ 112,000
Pitt, North Carolina 2 $ 240,000 $ 120,000 $ 81,000
Sampson, North Carolina 2 $ 50,000 $ 25,000 $ 100,000
Wayne, North Carolina 2 $ 40,000 $ 20,000 $ 76,000
Butler, Ohio 2 $ 50,000 $ 25,000 $ 148,000
Clermont, Ohio 2 $ 40,000 $ 20,000 $ 99,000
Henry, Ohio 2 $ 40,000 $ 20,000 $ 89,000
Hocking, Ohio 2 $ 30,000 $ 15,000 $ 46,000
Jefferson, Ohio 2 $ 30,000 $ 15,000 $ 58,000
Lucas, Ohio 2 $ 50,000 $ 25,000 $ 60,000
Madison, Ohio 2 $ 50,000 $ 25,000 $ 90,000
Seneca, Ohio 2 $ 50,000 $ 25,000 $ 81,000
Muskogee, Oklahoma 2 $ 40,000 $ 20,000 $ 154,000
Rogers, Oklahoma 2 $ 50,000 $ 25,000 $ 33,000
Deschutes, Oregon 2 $ 50,000 $ 25,000 $ 69,000
Beaver, Pennsylvania 2 $ 50,000 $ 25,000 $ 150,000
Bucks, Pennsylvania 2 $ 50,000 $ 25,000 $ 184,000
Cambria, Pennsylvania 2 $ 40,000 $ 20,000 $ 169,000
Centre, Pennsylvania 2 $ 50,000 $ 25,000 $ 104,000
Lackawanna, Pennsylvania 2 $ 40,000 $ 20,000 $ 136,000
Luzerne, Pennsylvania 2 $ 40,000 $ 20,000 $ 56,000
Westmoreland, Pennsylvania 2 $ 30,000 $ 15,000 $ 125,000
Anderson, South Carolina 2 $ 50,000 $ 25,000 $ 42,000
Beaufort, South Carolina 2 $ 30,000 $ 15,000 $ 49,000
Berkeley, South Carolina 2 $ 40,000 $ 20,000 $ 75,000
Richland, South Carolina 2 $ 40,000 $ 20,000 $ 64,000
York, South Carolina 2 $ 50,000 $ 25,000 $ 84,000
Edmunds, South Dakota 2 $ 40,000 $ 20,000 $ 119,000
Hawkins, Tennessee 2 $ 40,000 $ 20,000 $ 80,000
Jefferson, Tennessee 2 $ 50,000 $ 25,000 $ 70,000
Rutherford, Tennessee 2 $ 50,000 $ 25,000 $ 79,000
Denton, Texas 2 $ 470,000 $ 235,000 $ 99,000
Gregg, Texas 2 $ 50,000 $ 25,000 $ 164,000
Rusk, Texas 2 $ 40,000 $ 20,000 $ 114,000
Chesterfield, Virginia 2 $ 40,000 $ 20,000 $ 126,000
Henrico, Virginia 2 $ 110,000 $ 55,000 $ 25,000
Mecklenburg, Virginia 2 $ 50,000 $ 25,000 $ 44,000
Stafford, Virginia 2 $ 50,000 $ 25,000 $ 188,000
Clark, Washington 2 $ 50,000 $ 25,000 $ 83,000
King, Washington 2 $ 30,000 $ 15,000 $ 179,000
Fond du Lac, Wisconsin 2 $ 40,000 $ 20,000 $ 75,000
Kenosha, Wisconsin 2 $ 50,000 $ 25,000 $ 84,000
Sheboygan, Wisconsin 2 $ 40,000 $ 20,000 $ 89,000
Waushara, Wisconsin 2 $ 40,000 $ 20,000 $ 79,000
Laramie, Wyoming 2 $ 50,000 $ 25,000 $ 183,000
Butler, Alabama 1 $ 25,000 $ 25,000 $ 52,000
Escambia, Alabama 1 $ 15,000 $ 15,000 $ 52,000
Limestone, Alabama 1 $ 25,000 $ 25,000 $ 103,000
Madison, Alabama 1 $ 25,000 $ 25,000 $ 162,000
St. Clair, Alabama 1 $ 15,000 $ 15,000 $ 72,000
Tuscaloosa, Alabama 1 $ 25,000 $ 25,000 $ 91,000
Gila, Arizona 1 $ 25,000 $ 25,000 $ 87,000
Fulton, Arkansas 1 $ 15,000 $ 15,000 $ 79,000
Phillips, Arkansas 1 $ 15,000 $ 15,000 $ 56,000
Calaveras, California 1 $ 25,000 $ 25,000 $ 70,000
Fresno, California 1 $ 15,000 $ 15,000 $ 32,000
Kern, California 1 $ 25,000 $ 25,000 $ 70,000
Monterey, California 1 $ 15,000 $ 15,000 $ 67,000
San Joaquin, California 1 $ 15,000 $ 15,000 $ 130,000
San Mateo, California 1 $ 25,000 $ 25,000 $ 140,000
Santa Barbara, California 1 $ 25,000 $ 25,000 $ 65,000
Solano, California 1 $ 25,000 $ 25,000 $ 130,000
Ventura, California 1 $ 25,000 $ 25,000 $ 111,000
Yuba, California 1 $ 25,000 $ 25,000 $ 46,000
Jefferson, Colorado 1 $ 25,000 $ 25,000 $ 136,000
Pueblo, Colorado 1 $ 15,000 $ 15,000 $ 120,000
Teller, Colorado 1 $ 25,000 $ 25,000 $ 86,000
Alachua, Florida 1 $ 25,000 $ 25,000 $ 90,000
Charlotte, Florida 1 $ 25,000 $ 25,000 $ 94,000
Citrus, Florida 1 $ 25,000 $ 25,000 $ 144,000
Clay, Florida 1 $ 25,000 $ 25,000 $ 70,000
Escambia, Florida 1 $ 25,000 $ 25,000 $ 89,000
Gadsden, Florida 1 $ 25,000 $ 25,000 $ 94,000
Gilchrist, Florida 1 $ 25,000 $ 25,000 $ 61,000
Glades, Florida 1 $ 25,000 $ 25,000 $ 103,000
Hendry, Florida 1 $ 25,000 $ 25,000 $ 63,000
Leon, Florida 1 $ 25,000 $ 25,000 $ 77,000
Madison, Florida 1 $ 25,000 $ 25,000 $ 75,000
Manatee, Florida 1 $ 25,000 $ 25,000 $ 115,000
Martin, Florida 1 $ 325,000 $ 325,000 $ 279,000
Okaloosa, Florida 1 $ 25,000 $ 25,000 $ 82,000
Okeechobee, Florida 1 $ 15,000 $ 15,000 $ 48,000
Orange, Florida 1 $ 25,000 $ 25,000 $ 280,000
Osceola, Florida 1 $ 25,000 $ 25,000 $ 144,000
Seminole, Florida 1 $ 25,000 $ 25,000 $ 70,000
St. Johns, Florida 1 $ 25,000 $ 25,000 $ 76,000
Sumter, Florida 1 $ 15,000 $ 15,000 $ 61,000
Baldwin, Georgia 1 $ 25,000 $ 25,000 $ 60,000
Bartow, Georgia 1 $ 15,000 $ 15,000 $ 93,000
Bibb, Georgia 1 $ 25,000 $ 25,000 $ 55,000
Bulloch, Georgia 1 $ 15,000 $ 15,000 $ 58,000
Camden, Georgia 1 $ 25,000 $ 25,000 $ 69,000
Carroll, Georgia 1 $ 15,000 $ 15,000 $ 126,000
Catoosa, Georgia 1 $ 25,000 $ 25,000 $ 160,000
Clarke, Georgia 1 $ 15,000 $ 15,000 $ 57,000
Clayton, Georgia 1 $ 25,000 $ 25,000 $ 96,000
Cobb, Georgia 1 $ 25,000 $ 25,000 $ 26,000
Muscogee, Georgia 1 $ 25,000 $ 25,000 $ 86,000
Rockdale, Georgia 1 $ 15,000 $ 15,000 $ 49,000
Tift, Georgia 1 $ 25,000 $ 25,000 $ 84,000
Toombs, Georgia 1 $ 25,000 $ 25,000 $ 71,000
Troup, Georgia 1 $ 15,000 $ 15,000 $ 60,000
Twiggs, Georgia 1 $ 15,000 $ 15,000 $ 37,000
Ada, Idaho 1 $ 25,000 $ 25,000 $ 145,000
Cumberland, Illinois 1 $ 25,000 $ 25,000 $ 151,000
De Witt, Illinois 1 $ 25,000 $ 25,000 $ 104,000
DeKalb, Illinois 1 $ 15,000 $ 15,000 $ 41,000
Douglas, Illinois 1 $ 25,000 $ 25,000 $ 90,000
Effingham, Illinois 1 $ 15,000 $ 15,000 $ 65,000
Henry, Illinois 1 $ 25,000 $ 25,000 $ 97,000
Jefferson, Illinois 1 $ 25,000 $ 25,000 $ 106,000
Kendall, Illinois 1 $ 25,000 $ 25,000 $ 204,000
Lake, Illinois 1 $ 25,000 $ 25,000 $ 48,000
Lee, Illinois 1 $ 15,000 $ 15,000 $ 123,000
Madison, Illinois 1 $ 15,000 $ 15,000 $ 217,000
McLean, Illinois 1 $ 25,000 $ 25,000 $ 136,000
Sangamon, Illinois 1 $ 15,000 $ 15,000 $ 93,000
Shelby, Illinois 1 $ 5,000 $ 5,000 $ 168,000
Vermilion, Illinois 1 $ 25,000 $ 25,000 $ 77,000
Whiteside, Illinois 1 $ 25,000 $ 25,000 $ 96,000
Woodford, Illinois 1 $ 25,000 $ 25,000 $ 77,000
Allen, Indiana 1 $ 25,000 $ 25,000 $ 85,000
Brown, Indiana 1 $ 25,000 $ 25,000 $ 145,000
Carroll, Indiana 1 $ 25,000 $ 25,000 $ 95,000
Floyd, Indiana 1 $ 25,000 $ 25,000 $ 40,000
Hamilton, Indiana 1 $ 5,000 $ 5,000 $ 55,000
Henry, Indiana 1 $ 15,000 $ 15,000 $ 101,000
Montgomery, Indiana 1 $ 25,000 $ 25,000 $ 58,000
Morgan, Indiana 1 $ 25,000 $ 25,000 $ 101,000
Porter, Indiana 1 $ 25,000 $ 25,000 $ 150,000
Shelby, Indiana 1 $ 25,000 $ 25,000 $ 118,000
Vanderburgh, Indiana 1 $ 25,000 $ 25,000 $ 16,000
Vigo, Indiana 1 $ 25,000 $ 25,000 $ 58,000
Wabash, Indiana 1 $ 15,000 $ 15,000 $ 83,000
Warrick, Indiana 1 $ 25,000 $ 25,000 $ 58,000
Wayne, Indiana 1 $ 15,000 $ 15,000 $ 22,000
Whitley, Indiana 1 $ 15,000 $ 15,000 $ 75,000
Jasper, Iowa 1 $ 25,000 $ 25,000 $ 78,000
Lee, Iowa 1 $ 15,000 $ 15,000 $ 78,000
Barber, Kansas 1 $ 25,000 $ 25,000 $ 165,000
Cherokee, Kansas 1 $ 25,000 $ 25,000 $ 72,000
Clark, Kansas 1 $ 15,000 $ 15,000 $ 90,000
Harvey, Kansas 1 $ 15,000 $ 15,000 $ 100,000
McPherson, Kansas 1 $ 15,000 $ 15,000 $ 153,000
Meade, Kansas 1 $ 15,000 $ 15,000 $ 54,000
Norton, Kansas 1 $ 15,000 $ 15,000 $ 100,000
Bell, Kentucky 1 $ 25,000 $ 25,000 $ 90,000
Cumberland, Kentucky 1 $ 25,000 $ 25,000 $ 75,000
Daviess, Kentucky 1 $ 25,000 $ 25,000 $ 100,000
Gallatin, Kentucky 1 $ 25,000 $ 25,000 $ 11,000
Graves, Kentucky 1 $ 25,000 $ 25,000 $ 50,000
Hancock, Kentucky 1 $ 15,000 $ 15,000 $ 72,000
Harrison, Kentucky 1 $ 25,000 $ 25,000 $ 54,000
Jefferson, Kentucky 1 $ 25,000 $ 25,000 $ 125,000
McCracken, Kentucky 1 $ 25,000 $ 25,000 $ 36,000
Nelson, Kentucky 1 $ 25,000 $ 25,000 $ 118,000
Russell, Kentucky 1 $ 25,000 $ 25,000 $ 31,000
Allen, Louisiana 1 $ 25,000 $ 25,000 $ 108,000
Bienville, Louisiana 1 $ 25,000 $ 25,000 $ 72,000
De Soto, Louisiana 1 $ 25,000 $ 25,000 $ 191,000
Lincoln, Louisiana 1 $ 25,000 $ 25,000 $ 148,000
Rapides, Louisiana 1 $ 25,000 $ 25,000 $ 40,000
St. Charles, Louisiana 1 $ 25,000 $ 25,000 $ 42,000
St. James, Louisiana 1 $ 25,000 $ 25,000 $ 67,000
St. John the Baptist, Louisiana 1 $ 25,000 $ 25,000 $ 69,000
Union, Louisiana 1 $ 25,000 $ 25,000 $ 144,000
Webster, Louisiana 1 $ 25,000 $ 25,000 $ 132,000
Aroostook, Maine 1 $ 185,000 $ 185,000 $ 73,000
Cumberland, Maine 1 $ 25,000 $ 25,000 $ 240,000
Kennebec, Maine 1 $ 15,000 $ 15,000 $ 54,000
Oxford, Maine 1 $ 25,000 $ 25,000 $ 144,000
Somerset, Maine 1 $ 25,000 $ 25,000 $ 108,000
York, Maine 1 $ 315,000 $ 315,000 $ 256,000
Calvert, Maryland 1 $ 25,000 $ 25,000 $ 251,000
Berkshire, Massachusetts 1 $ 25,000 $ 25,000 $ 85,000
Franklin, Massachusetts 1 $ 215,000 $ 215,000 $ 180,000
Cass, Michigan 1 $ 5,000 $ 5,000 $ 47,000
Eaton, Michigan 1 $ 25,000 $ 25,000 $ 74,000
Gratiot, Michigan 1 $ 15,000 $ 15,000 $ 70,000
Ionia, Michigan 1 $ 15,000 $ 15,000 $ 154,000
Keweenaw, Michigan 1 $ 15,000 $ 15,000 $ 60,000
Livingston, Michigan 1 $ 25,000 $ 25,000 $ 55,000
Luce, Michigan 1 $ 25,000 $ 25,000 $ 18,000
Macomb, Michigan 1 $ 25,000 $ 25,000 $ 14,000
Manistee, Michigan 1 $ 25,000 $ 25,000 $ 83,000
Mason, Michigan 1 $ 15,000 $ 15,000 $ 134,000
St. Joseph, Michigan 1 $ 25,000 $ 25,000 $ 70,000
Washtenaw, Michigan 1 $ 25,000 $ 25,000 $ 161,000
Benton, Minnesota 1 $ 15,000 $ 15,000 $ 100,000
Cook, Minnesota 1 $ 25,000 $ 25,000 $ 55,000
Pine, Minnesota 1 $ 25,000 $ 25,000 $ 73,000
Rice, Minnesota 1 $ 335,000 $ 335,000 $ 118,000
St. Louis, Minnesota 1 $ 25,000 $ 25,000 $ 86,000
Wilkin, Minnesota 1 $ 15,000 $ 15,000 $ 69,000
Wright, Minnesota 1 $ 25,000 $ 25,000 $ 120,000
Hinds, Mississippi 1 $ 15,000 $ 15,000 $ 38,000
Lowndes, Mississippi 1 $ 25,000 $ 25,000 $ 84,000
Barry, Missouri 1 $ 25,000 $ 25,000 $ 58,000
Cape Girardeau, Missouri 1 $ 25,000 $ 25,000 $ 68,000
Cedar, Missouri 1 $ 25,000 $ 25,000 $ 58,000
Clay, Missouri 1 $ 15,000 $ 15,000 $ 51,000
Dent, Missouri 1 $ 5,000 $ 5,000 $ 46,000
Randolph, Missouri 1 $ 5,000 $ 5,000 $ 58,000
St. Louis, Missouri 1 $ 25,000 $ 25,000 $ 223,000
Lake, Montana 1 $ 25,000 $ 25,000 $ 57,000
Dawson, Nebraska 1 $ 15,000 $ 15,000 $ 70,000
Greeley, Nebraska 1 $ 25,000 $ 25,000 $ 69,000
Lancaster, Nebraska 1 $ 15,000 $ 15,000 $ 210,000
Washington, Nebraska 1 $ 25,000 $ 25,000 $ 75,000
Lyon, Nevada 1 $ 25,000 $ 25,000 $ 141,000
Nye, Nevada 1 $ 25,000 $ 25,000 $ 48,000
Washoe, Nevada 1 $ 25,000 $ 25,000 $ 147,000
Coos, New Hampshire 1 $ 25,000 $ 25,000 $ 97,000
Sullivan, New Hampshire 1 $ 25,000 $ 25,000 $ 63,000
Camden, New Jersey 1 $ 25,000 $ 25,000 $ 52,000
Mercer, New Jersey 1 $ 25,000 $ 25,000 $ 68,000
Monmouth, New Jersey 1 $ 25,000 $ 25,000 $ 105,000
Somerset, New Jersey 1 $ 35,000 $ 35,000 $ 146,000
Bernalillo, New Mexico 1 $ 25,000 $ 25,000 $ 107,000
Santa Fe, New Mexico 1 $ 25,000 $ 25,000 $ 135,000
Torrance, New Mexico 1 $ 25,000 $ 25,000 $ 134,000
Cattaraugus, New York 1 $ 25,000 $ 25,000 $ 199,000
Chautauqua, New York 1 $ 15,000 $ 15,000 $ 62,000
Chemung, New York 1 $ 25,000 $ 25,000 $ 54,000
Dutchess, New York 1 $ 15,000 $ 15,000 $ 100,000
Genesee, New York 1 $ 25,000 $ 25,000 $ 57,000
Herkimer, New York 1 $ 25,000 $ 25,000 $ 81,000
Jefferson, New York 1 $ 15,000 $ 15,000 $ 40,000
Kings, New York 1 $ 25,000 $ 25,000 $ 51,000
Ontario, New York 1 $ 25,000 $ 25,000 $ 52,000
Queens, New York 1 $ 25,000 $ 25,000 $ 50,000
Saratoga, New York 1 $ 15,000 $ 15,000 $ 95,000
Sullivan, New York 1 $ 25,000 $ 25,000 $ 81,000
Tompkins, New York 1 $ 215,000 $ 215,000 $ 89,000
Ulster, New York 1 $ 25,000 $ 25,000 $ 56,000
Alamance, North Carolina 1 $ 15,000 $ 15,000 $ 26,000
Burke, North Carolina 1 $ 25,000 $ 25,000 $ 68,000
Caswell, North Carolina 1 $ 25,000 $ 25,000 $ 95,000
Cleveland, North Carolina 1 $ 25,000 $ 25,000 $ 74,000
Cumberland, North Carolina 1 $ 15,000 $ 15,000 $ 66,000
Franklin, North Carolina 1 $ 25,000 $ 25,000 $ 100,000
Gaston, North Carolina 1 $ 25,000 $ 25,000 $ 90,000
Granville, North Carolina 1 $ 25,000 $ 25,000 $ 235,000
Hoke, North Carolina 1 $ 15,000 $ 15,000 $ 125,000
Iredell, North Carolina 1 $ 25,000 $ 25,000 $ 59,000
Jones, North Carolina 1 $ 25,000 $ 25,000 $ 82,000
Lincoln, North Carolina 1 $ 15,000 $ 15,000 $ 60,000
Montgomery, North Carolina 1 $ 15,000 $ 15,000 $ 184,000
Moore, North Carolina 1 $ 25,000 $ 25,000 $ 105,000
Nash, North Carolina 1 $ 25,000 $ 25,000 $ 130,000
New Hanover, North Carolina 1 $ 25,000 $ 25,000 $ 159,000
Onslow, North Carolina 1 $ 25,000 $ 25,000 $ 224,000
Richmond, North Carolina 1 $ 25,000 $ 25,000 $ 155,000
Rutherford, North Carolina 1 $ 25,000 $ 25,000 $ 152,000
Scotland, North Carolina 1 $ 25,000 $ 25,000 $ 85,000
Stanly, North Carolina 1 $ 15,000 $ 15,000 $ 81,000
Stokes, North Carolina 1 $ 25,000 $ 25,000 $ 91,000
Wilkes, North Carolina 1 $ 25,000 $ 25,000 $ 44,000
Athens, Ohio 1 $ 15,000 $ 15,000 $ 66,000
Belmont, Ohio 1 $ 25,000 $ 25,000 $ 131,000
Carroll, Ohio 1 $ 25,000 $ 25,000 $ 149,000
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Mortgage Loan Application Detail Totals for Shoreham Bank in 2022

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 1,334 $29,800,000 $22,000 $85,000 $103,000 $511,000
Home Purchase 353 $134,125,000 $379,000 $1,565,000 $146,000 $3,872,000
Cash-out Refinancing 107 $26,325,000 $246,000 $805,000 $119,000 $600,000
Refinancing 37 $10,065,000 $272,000 $595,000 $101,000 $245,000
Not Applicable 1 $95,000 $95,000 $95,000 $162,000 $162,000
Other Purpose 1 $215,000 $215,000 $215,000 $147,000 $147,000

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 1,719 $162,295,000 $94,000 $1,565,000 $113,000 $3,872,000
Hispanic 56 $18,760,000 $335,000 $585,000 $101,000 $224,000
Black or African American 31 $10,005,000 $322,000 $565,000 $87,000 $200,000
Asian 17 $6,465,000 $380,000 $845,000 $125,000 $387,000
Not Provided 7 $2,745,000 $392,000 $625,000 $108,000 $172,000
American Indian or Alaskan Native 3 $355,000 $118,000 $215,000 $89,000 $114,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 1,415 $58,045,000 $41,000 $735,000 $102,000 $511,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 397 $133,675,000 $336,000 $1,565,000 $147,000 $3,872,000
VA-guaranteed (Veterans Administration) 21 $8,905,000 $424,000 $985,000 $96,000 $223,000
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
Loan Originated 791 $135,015,000 $170,000 $985,000 $125,000 $3,872,000
Application Withdrawn By Applicant 627 $44,175,000 $70,000 $1,565,000 $113,000 $456,000
Application Denied By Financial Institution 402 $16,610,000 $41,000 $1,385,000 $82,000 $443,000
Application Approved But Not Accepted 9 $3,685,000 $409,000 $645,000 $236,000 $680,000
File Closed For Incompleteness 4 $1,140,000 $285,000 $555,000 $143,000 $170,000
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
Not applicable 1,431 $184,015,000 $128,000 $1,565,000 $120,000 $3,872,000
Debt-To-Income Ratio 213 $6,765,000 $31,000 $575,000 $75,000 $300,000
Credit History 159 $3,735,000 $23,000 $275,000 $84,000 $300,000
Collateral 14 $1,890,000 $135,000 $665,000 $125,000 $385,000
Other 12 $2,810,000 $234,000 $1,385,000 $120,000 $443,000
Employment History 2 $500,000 $250,000 $275,000 $81,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $910,000 $455,000 $475,000 $173,000 $262,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2022 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.
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