Shoreham Bank Mortgage Lending & HMDA Data, 2023

In 2023, Shoreham Bank of Warwick, RI reported 1,796 mortgage applications totaling $163.2 million, down 2% from 2022. The average application was for $90,846, and applicants reported an average income of $118,094. 40% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Providence-Warwick, RI-MA (311), Cambridge-Newton-Framingham, MA (61) and Kansas City, MO-KS (42) (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 1,796
Total Mortgage Loan Application Amount $163,160,000
Average Mortgage Loan Application Amount $90,846
Highest Mortgage Loan Application Amount $2,455,000
Average Applicant Income $118,094
Highest Applicant Income $1,596,000

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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

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 161 $ 27,405,000 $ 170,217 $ 123,000
Kent, Rhode Island 62 $ 14,230,000 $ 229,516 $ 121,000
Essex, Massachusetts 38 $ 12,210,000 $ 321,315 $ 144,000
Los Angeles, California 36 $ 860,000 $ 23,888 $ 115,000
Newport, Rhode Island 32 $ 12,080,000 $ 377,500 $ 245,000
Kent, Delaware 27 $ 615,000 $ 22,777 $ 97,000
Sussex, Delaware 27 $ 725,000 $ 26,851 $ 127,000
Bristol, Massachusetts 26 $ 6,900,000 $ 265,384 $ 115,000
Rockingham, New Hampshire 26 $ 7,520,000 $ 289,230 $ 154,000
Middlesex, Massachusetts 23 $ 8,755,000 $ 380,652 $ 149,000
Worcester, Massachusetts 21 $ 3,995,000 $ 190,238 $ 121,000
Jackson, Missouri 21 $ 605,000 $ 28,809 $ 88,000
Washington, Rhode Island 21 $ 4,545,000 $ 216,428 $ 135,000
Cook, Illinois 20 $ 1,160,000 $ 58,000 $ 117,000
Palm Beach, Florida 16 $ 560,000 $ 35,000 $ 108,000
New Castle, Delaware 15 $ 375,000 $ 25,000 $ 107,000
Plymouth, Massachusetts 15 $ 3,115,000 $ 207,666 $ 137,000
Hillsborough, New Hampshire 14 $ 5,110,000 $ 365,000 $ 138,000
Hartford, Connecticut 11 $ 1,055,000 $ 95,909 $ 150,000
Volusia, Florida 11 $ 255,000 $ 23,181 $ 109,000
Hampden, Massachusetts 11 $ 275,000 $ 25,000 $ 97,000
Maricopa, Arizona 10 $ 250,000 $ 25,000 $ 134,000
New Haven, Connecticut 9 $ 1,085,000 $ 120,555 $ 188,000
St. Joseph, Indiana 9 $ 155,000 $ 17,222 $ 81,000
Queen Anne's, Maryland 9 $ 225,000 $ 25,000 $ 111,000
Bristol, Rhode Island 9 $ 2,705,000 $ 300,555 $ 167,000
San Bernardino, California 8 $ 200,000 $ 25,000 $ 93,000
El Paso, Colorado 8 $ 170,000 $ 21,250 $ 133,000
Polk, Florida 8 $ 470,000 $ 58,750 $ 97,000
Norfolk, Massachusetts 8 $ 1,960,000 $ 245,000 $ 174,000
Dallas, Texas 8 $ 200,000 $ 25,000 $ 99,000
Riverside, California 7 $ 165,000 $ 23,571 $ 112,000
San Diego, California 7 $ 145,000 $ 20,714 $ 144,000
Weld, Colorado 7 $ 165,000 $ 23,571 $ 121,000
Lee, Florida 7 $ 155,000 $ 22,142 $ 127,000
Calcasieu, Louisiana 7 $ 175,000 $ 25,000 $ 120,000
Wayne, Michigan 7 $ 165,000 $ 23,571 $ 114,000
Cuyahoga, Ohio 7 $ 165,000 $ 23,571 $ 98,000
Lucas, Ohio 7 $ 155,000 $ 22,142 $ 121,000
Tulsa, Oklahoma 7 $ 165,000 $ 23,571 $ 196,000
Milwaukee, Wisconsin 7 $ 175,000 $ 25,000 $ 123,000
Outagamie, Wisconsin 7 $ 175,000 $ 25,000 $ 70,000
Orange, California 6 $ 150,000 $ 25,000 $ 103,000
Adams, Colorado 6 $ 140,000 $ 23,333 $ 140,000
New London, Connecticut 6 $ 580,000 $ 96,666 $ 124,000
Duval, Florida 6 $ 130,000 $ 21,666 $ 107,000
Kootenai, Idaho 6 $ 150,000 $ 25,000 $ 128,000
Sangamon, Illinois 6 $ 150,000 $ 25,000 $ 133,000
Will, Illinois 6 $ 300,000 $ 50,000 $ 213,000
Lake, Indiana 6 $ 140,000 $ 23,333 $ 91,000
Porter, Indiana 6 $ 130,000 $ 21,666 $ 87,000
Johnson, Kansas 6 $ 170,000 $ 28,333 $ 175,000
Ramsey, Minnesota 6 $ 140,000 $ 23,333 $ 78,000
Franklin, Ohio 6 $ 120,000 $ 20,000 $ 66,000
Broward, Florida 5 $ 115,000 $ 23,000 $ 99,000
Charlotte, Florida 5 $ 95,000 $ 19,000 $ 107,000
St. Lucie, Florida 5 $ 115,000 $ 23,000 $ 79,000
Fulton, Georgia 5 $ 415,000 $ 83,000 $ 216,000
Acadia, Louisiana 5 $ 125,000 $ 25,000 $ 80,000
Caroline, Maryland 5 $ 125,000 $ 25,000 $ 126,000
Dorchester, Maryland 5 $ 115,000 $ 23,000 $ 114,000
Prince George's, Maryland 5 $ 125,000 $ 25,000 $ 111,000
Wicomico, Maryland 5 $ 125,000 $ 25,000 $ 74,000
Clay, Missouri 5 $ 105,000 $ 21,000 $ 121,000
Johnson, Missouri 5 $ 125,000 $ 25,000 $ 117,000
Merrimack, New Hampshire 5 $ 615,000 $ 123,000 $ 141,000
Essex, New Jersey 5 $ 105,000 $ 21,000 $ 139,000
Nassau, New York 5 $ 355,000 $ 71,000 $ 207,000
Suffolk, New York 5 $ 175,000 $ 35,000 $ 164,000
Robeson, North Carolina 5 $ 95,000 $ 19,000 $ 64,000
Allen, Ohio 5 $ 125,000 $ 25,000 $ 77,000
Trumbull, Ohio 5 $ 115,000 $ 23,000 $ 136,000
Harris, Texas 5 $ 335,000 $ 67,000 $ 92,000
Brown, Wisconsin 5 $ 115,000 $ 23,000 $ 56,000
Manitowoc, Wisconsin 5 $ 105,000 $ 21,000 $ 65,000
Shawano, Wisconsin 5 $ 125,000 $ 25,000 $ 68,000
Pueblo, Colorado 4 $ 90,000 $ 22,500 $ 114,000
Windham, Connecticut 4 $ 160,000 $ 40,000 $ 94,000
Brevard, Florida 4 $ 90,000 $ 22,500 $ 110,000
Collier, Florida 4 $ 780,000 $ 195,000 $ 142,000
Marion, Florida 4 $ 80,000 $ 20,000 $ 80,000
Miami-Dade, Florida 4 $ 330,000 $ 82,500 $ 167,000
DeKalb, Georgia 4 $ 100,000 $ 25,000 $ 83,000
Laurens, Georgia 4 $ 40,000 $ 10,000 $ 69,000
Marion, Indiana 4 $ 300,000 $ 75,000 $ 51,000
Lafayette, Louisiana 4 $ 100,000 $ 25,000 $ 152,000
Anne Arundel, Maryland 4 $ 100,000 $ 25,000 $ 134,000
Baltimore, Maryland 4 $ 80,000 $ 20,000 $ 119,000
Talbot, Maryland 4 $ 120,000 $ 30,000 $ 103,000
Hampshire, Massachusetts 4 $ 80,000 $ 20,000 $ 71,000
Cass, Missouri 4 $ 30,000 $ 7,500 $ 69,000
Hudson, New Jersey 4 $ 570,000 $ 142,500 $ 127,000
Ocean, New Jersey 4 $ 110,000 $ 27,500 $ 101,000
Schenectady, New York 4 $ 100,000 $ 25,000 $ 57,000
Randolph, North Carolina 4 $ 100,000 $ 25,000 $ 115,000
Creek, Oklahoma 4 $ 80,000 $ 20,000 $ 125,000
Lawrence, Pennsylvania 4 $ 70,000 $ 17,500 $ 92,000
Montgomery, Pennsylvania 4 $ 90,000 $ 22,500 $ 115,000
Horry, South Carolina 4 $ 70,000 $ 17,500 $ 84,000
Shelby, Tennessee 4 $ 90,000 $ 22,500 $ 58,000
Sumner, Tennessee 4 $ 100,000 $ 25,000 $ 98,000
Henry, Virginia 4 $ 100,000 $ 25,000 $ 119,000
Snohomish, Washington 4 $ 100,000 $ 25,000 $ 161,000
Winnebago, Wisconsin 4 $ 100,000 $ 25,000 $ 120,000
Jefferson, Alabama 3 $ 75,000 $ 25,000 $ 92,000
Madison, Alabama 3 $ 75,000 $ 25,000 $ 79,000
Clay, Florida 3 $ 65,000 $ 21,666 $ 122,000
Lake, Florida 3 $ 75,000 $ 25,000 $ 145,000
Leon, Florida 3 $ 75,000 $ 25,000 $ 84,000
Pinellas, Florida 3 $ 135,000 $ 45,000 $ 102,000
Sarasota, Florida 3 $ 65,000 $ 21,666 $ 76,000
Cherokee, Georgia 3 $ 65,000 $ 21,666 $ 132,000
Gwinnett, Georgia 3 $ 65,000 $ 21,666 $ 178,000
Kane, Illinois 3 $ 75,000 $ 25,000 $ 139,000
Lake, Illinois 3 $ 75,000 $ 25,000 $ 223,000
Vanderburgh, Indiana 3 $ 75,000 $ 25,000 $ 50,000
Leavenworth, Kansas 3 $ 65,000 $ 21,666 $ 104,000
McPherson, Kansas 3 $ 45,000 $ 15,000 $ 56,000
Iberia, Louisiana 3 $ 65,000 $ 21,666 $ 134,000
Livingston, Louisiana 3 $ 75,000 $ 25,000 $ 148,000
St. Landry, Louisiana 3 $ 75,000 $ 25,000 $ 137,000
Cecil, Maryland 3 $ 75,000 $ 25,000 $ 76,000
Franklin, Massachusetts 3 $ 125,000 $ 41,666 $ 63,000
Berrien, Michigan 3 $ 45,000 $ 15,000 $ 76,000
St. Louis City, Missouri 3 $ 75,000 $ 25,000 $ 123,000
Belknap, New Hampshire 3 $ 295,000 $ 98,333 $ 113,000
Strafford, New Hampshire 3 $ 225,000 $ 75,000 $ 121,000
Burlington, New Jersey 3 $ 55,000 $ 18,333 $ 63,000
Camden, New Jersey 3 $ 75,000 $ 25,000 $ 135,000
Cape May, New Jersey 3 $ 65,000 $ 21,666 $ 100,000
Gloucester, New Jersey 3 $ 65,000 $ 21,666 $ 70,000
Passaic, New Jersey 3 $ 475,000 $ 158,333 $ 121,000
Erie, New York 3 $ 55,000 $ 18,333 $ 115,000
Queens, New York 3 $ 215,000 $ 71,666 $ 164,000
Johnston, North Carolina 3 $ 65,000 $ 21,666 $ 165,000
Moore, North Carolina 3 $ 65,000 $ 21,666 $ 98,000
Pitt, North Carolina 3 $ 55,000 $ 18,333 $ 121,000
Ottawa, Ohio 3 $ 65,000 $ 21,666 $ 77,000
Pickaway, Ohio 3 $ 75,000 $ 25,000 $ 147,000
Putnam, Ohio 3 $ 75,000 $ 25,000 $ 90,000
Shelby, Ohio 3 $ 65,000 $ 21,666 $ 101,000
Summit, Ohio 3 $ 65,000 $ 21,666 $ 59,000
Wood, Ohio 3 $ 65,000 $ 21,666 $ 102,000
Rogers, Oklahoma 3 $ 75,000 $ 25,000 $ 197,000
Wagoner, Oklahoma 3 $ 65,000 $ 21,666 $ 125,000
Allegheny, Pennsylvania 3 $ 75,000 $ 25,000 $ 101,000
Carbon, Pennsylvania 3 $ 75,000 $ 25,000 $ 64,000
Chester, Pennsylvania 3 $ 765,000 $ 255,000 $ 152,000
Philadelphia, Pennsylvania 3 $ 65,000 $ 21,666 $ 46,000
Sumter, South Carolina 3 $ 75,000 $ 25,000 $ 59,000
Montgomery, Tennessee 3 $ 65,000 $ 21,666 $ 163,000
Montgomery, Texas 3 $ 65,000 $ 21,666 $ 149,000
Loudoun, Virginia 3 $ 65,000 $ 21,666 $ 121,000
Virginia Beach, Virginia 3 $ 75,000 $ 25,000 $ 210,000
King, Washington 3 $ 75,000 $ 25,000 $ 252,000
Morgan, West Virginia 3 $ 55,000 $ 18,333 $ 79,000
Coffee, Alabama 2 $ 30,000 $ 15,000 $ 106,000
Mobile, Alabama 2 $ 180,000 $ 90,000 $ 63,000
Coconino, Arizona 2 $ 50,000 $ 25,000 $ 96,000
Pulaski, Arkansas 2 $ 50,000 $ 25,000 $ 59,000
White, Arkansas 2 $ 50,000 $ 25,000 $ 99,000
Alameda, California 2 $ 50,000 $ 25,000 $ 96,000
Amador, California 2 $ 40,000 $ 20,000 $ 60,000
Sacramento, California 2 $ 50,000 $ 25,000 $ 50,000
Costilla, Colorado 2 $ 50,000 $ 25,000 $ 52,000
Elbert, Colorado 2 $ 50,000 $ 25,000 $ 194,000
Jefferson, Colorado 2 $ 50,000 $ 25,000 $ 163,000
Mesa, Colorado 2 $ 50,000 $ 25,000 $ 133,000
Fairfield, Connecticut 2 $ 50,000 $ 25,000 $ 210,000
Litchfield, Connecticut 2 $ 830,000 $ 415,000 $ 114,000
Middlesex, Connecticut 2 $ 500,000 $ 250,000 $ 118,000
Citrus, Florida 2 $ 50,000 $ 25,000 $ 76,000
Flagler, Florida 2 $ 40,000 $ 20,000 $ 40,000
Hendry, Florida 2 $ 40,000 $ 20,000 $ 67,000
Hernando, Florida 2 $ 50,000 $ 25,000 $ 92,000
Hillsborough, Florida 2 $ 810,000 $ 405,000 $ 229,000
Indian River, Florida 2 $ 370,000 $ 185,000 $ 61,000
Martin, Florida 2 $ 50,000 $ 25,000 $ 42,000
Nassau, Florida 2 $ 660,000 $ 330,000 $ 163,000
Okaloosa, Florida 2 $ 50,000 $ 25,000 $ 124,000
Orange, Florida 2 $ 50,000 $ 25,000 $ 139,000
Seminole, Florida 2 $ 50,000 $ 25,000 $ 55,000
St. Johns, Florida 2 $ 50,000 $ 25,000 $ 85,000
Cobb, Georgia 2 $ 170,000 $ 85,000 $ 83,000
Effingham, Georgia 2 $ 20,000 $ 10,000 $ 131,000
Henry, Georgia 2 $ 50,000 $ 25,000 $ 90,000
Houston, Georgia 2 $ 20,000 $ 10,000 $ 29,000
Coles, Illinois 2 $ 50,000 $ 25,000 $ 58,000
Douglas, Illinois 2 $ 50,000 $ 25,000 $ 142,000
DuPage, Illinois 2 $ 50,000 $ 25,000 $ 243,000
Jackson, Illinois 2 $ 50,000 $ 25,000 $ 43,000
Kendall, Illinois 2 $ 50,000 $ 25,000 $ 148,000
Peoria, Illinois 2 $ 50,000 $ 25,000 $ 106,000
Williamson, Illinois 2 $ 50,000 $ 25,000 $ 49,000
Boone, Indiana 2 $ 50,000 $ 25,000 $ 94,000
Morgan, Indiana 2 $ 50,000 $ 25,000 $ 97,000
Woodbury, Iowa 2 $ 50,000 $ 25,000 $ 74,000
Nemaha, Kansas 2 $ 50,000 $ 25,000 $ 62,000
Sedgwick, Kansas 2 $ 40,000 $ 20,000 $ 37,000
Fayette, Kentucky 2 $ 50,000 $ 25,000 $ 150,000
Jefferson Davis, Louisiana 2 $ 50,000 $ 25,000 $ 69,000
Lafourche, Louisiana 2 $ 50,000 $ 25,000 $ 104,000
Terrebonne, Louisiana 2 $ 50,000 $ 25,000 $ 234,000
Vermilion, Louisiana 2 $ 50,000 $ 25,000 $ 128,000
Franklin, Maine 2 $ 320,000 $ 160,000 $ 67,000
Penobscot, Maine 2 $ 450,000 $ 225,000 $ 94,000
York, Maine 2 $ 930,000 $ 465,000 $ 157,000
Baltimore City, Maryland 2 $ 50,000 $ 25,000 $ 71,000
Calvert, Maryland 2 $ 50,000 $ 25,000 $ 149,000
Suffolk, Massachusetts 2 $ 40,000 $ 20,000 $ 87,000
Oakland, Michigan 2 $ 50,000 $ 25,000 $ 90,000
Harrison, Mississippi 2 $ 50,000 $ 25,000 $ 44,000
Crawford, Missouri 2 $ 30,000 $ 15,000 $ 47,000
Lafayette, Missouri 2 $ 30,000 $ 15,000 $ 92,000
Grafton, New Hampshire 2 $ 1,130,000 $ 565,000 $ 253,000
Atlantic, New Jersey 2 $ 40,000 $ 20,000 $ 107,000
Valencia, New Mexico 2 $ 50,000 $ 25,000 $ 104,000
Albany, New York 2 $ 50,000 $ 25,000 $ 93,000
Fulton, New York 2 $ 30,000 $ 15,000 $ 33,000
Kings, New York 2 $ 70,000 $ 35,000 $ 141,000
Richmond, New York 2 $ 220,000 $ 110,000 $ 138,000
Steuben, New York 2 $ 110,000 $ 55,000 $ 22,000
Cherokee, North Carolina 2 $ 50,000 $ 25,000 $ 72,000
Columbus, North Carolina 2 $ 40,000 $ 20,000 $ 125,000
Cumberland, North Carolina 2 $ 50,000 $ 25,000 $ 103,000
Lee, North Carolina 2 $ 50,000 $ 25,000 $ 66,000
Nash, North Carolina 2 $ 50,000 $ 25,000 $ 78,000
Orange, North Carolina 2 $ 50,000 $ 25,000 $ 781,000
Delaware, Ohio 2 $ 50,000 $ 25,000 $ 233,000
Fairfield, Ohio 2 $ 50,000 $ 25,000 $ 93,000
Guernsey, Ohio 2 $ 40,000 $ 20,000 $ 111,000
Licking, Ohio 2 $ 50,000 $ 25,000 $ 170,000
Lorain, Ohio 2 $ 40,000 $ 20,000 $ 108,000
Seneca, Ohio 2 $ 50,000 $ 25,000 $ 82,000
Canadian, Oklahoma 2 $ 90,000 $ 45,000 $ 108,000
Mayes, Oklahoma 2 $ 50,000 $ 25,000 $ 152,000
Muskogee, Oklahoma 2 $ 30,000 $ 15,000 $ 105,000
Oklahoma, Oklahoma 2 $ 40,000 $ 20,000 $ 103,000
Osage, Oklahoma 2 $ 50,000 $ 25,000 $ 104,000
Josephine, Oregon 2 $ 50,000 $ 25,000 $ 42,000
Polk, Oregon 2 $ 1,270,000 $ 635,000 $ 280,000
Clearfield, Pennsylvania 2 $ 50,000 $ 25,000 $ 44,000
Delaware, Pennsylvania 2 $ 50,000 $ 25,000 $ 139,000
Franklin, Pennsylvania 2 $ 40,000 $ 20,000 $ 109,000
Lackawanna, Pennsylvania 2 $ 40,000 $ 20,000 $ 90,000
Luzerne, Pennsylvania 2 $ 120,000 $ 60,000 $ 125,000
Northampton, Pennsylvania 2 $ 50,000 $ 25,000 $ 80,000
Anderson, South Carolina 2 $ 130,000 $ 65,000 $ 113,000
Chester, South Carolina 2 $ 30,000 $ 15,000 $ 61,000
Florence, South Carolina 2 $ 50,000 $ 25,000 $ 55,000
York, South Carolina 2 $ 40,000 $ 20,000 $ 39,000
Davidson, Tennessee 2 $ 50,000 $ 25,000 $ 81,000
Hamilton, Tennessee 2 $ 40,000 $ 20,000 $ 37,000
Hickman, Tennessee 2 $ 40,000 $ 20,000 $ 147,000
Maury, Tennessee 2 $ 50,000 $ 25,000 $ 76,000
Rutherford, Tennessee 2 $ 40,000 $ 20,000 $ 71,000
Hardin, Texas 2 $ 50,000 $ 25,000 $ 65,000
Orange, Texas 2 $ 40,000 $ 20,000 $ 150,000
Parker, Texas 2 $ 40,000 $ 20,000 $ 100,000
Orange, Vermont 2 $ 50,000 $ 25,000 $ 149,000
Prince William, Virginia 2 $ 50,000 $ 25,000 $ 205,000
Clark, Washington 2 $ 60,000 $ 30,000 $ 93,000
Pocahontas, West Virginia 2 $ 30,000 $ 15,000 $ 103,000
Wood, West Virginia 2 $ 50,000 $ 25,000 $ 84,000
Kenosha, Wisconsin 2 $ 50,000 $ 25,000 $ 54,000
Ozaukee, Wisconsin 2 $ 50,000 $ 25,000 $ 187,000
Washington, Wisconsin 2 $ 260,000 $ 130,000 $ 112,000
Blount, Alabama 1 $ 25,000 $ 25,000 $ 86,000
Calhoun, Alabama 1 $ 25,000 $ 25,000 $ 58,000
Limestone, Alabama 1 $ 25,000 $ 25,000 $ 67,000
Montgomery, Alabama 1 $ 25,000 $ 25,000 $ 165,000
Kenai Peninsula, Alaska 1 $ 25,000 $ 25,000 $ 151,000
Cochise, Arizona 1 $ 25,000 $ 25,000 $ 65,000
Gila, Arizona 1 $ 25,000 $ 25,000 $ 80,000
Yavapai, Arizona 1 $ 15,000 $ 15,000 $ 51,000
Ashley, Arkansas 1 $ 15,000 $ 15,000 $ 64,000
Baxter, Arkansas 1 $ 15,000 $ 15,000 $ 42,000
Chicot, Arkansas 1 $ 5,000 $ 5,000 $ 13,000
Crittenden, Arkansas 1 $ 25,000 $ 25,000 $ 81,000
Franklin, Arkansas 1 $ 15,000 $ 15,000 $ 34,000
Lafayette, Arkansas 1 $ 25,000 $ 25,000 $ 60,000
Lincoln, Arkansas 1 $ 25,000 $ 25,000 $ 112,000
Saline, Arkansas 1 $ 25,000 $ 25,000 $ 145,000
El Dorado, California 1 $ 25,000 $ 25,000 $ 219,000
Kern, California 1 $ 25,000 $ 25,000 $ 72,000
Marin, California 1 $ 15,000 $ 15,000 $ 69,000
Placer, California 1 $ 25,000 $ 25,000 $ 132,000
San Francisco, California 1 $ 25,000 $ 25,000 $ 276,000
San Luis Obispo, California 1 $ 25,000 $ 25,000 $ 84,000
Santa Barbara, California 1 $ 25,000 $ 25,000 $ 67,000
Santa Clara, California 1 $ 25,000 $ 25,000 $ 148,000
Siskiyou, California 1 $ 25,000 $ 25,000 $ 72,000
Ventura, California 1 $ 25,000 $ 25,000 $ 69,000
Arapahoe, Colorado 1 $ 25,000 $ 25,000 $ 183,000
Boulder, Colorado 1 $ 25,000 $ 25,000 $ 190,000
Douglas, Colorado 1 $ 15,000 $ 15,000 $ 98,000
Grand, Colorado 1 $ 25,000 $ 25,000 $ 108,000
Larimer, Colorado 1 $ 25,000 $ 25,000 $ 88,000
Moffat, Colorado 1 $ 5,000 $ 5,000 $ 54,000
Montezuma, Colorado 1 $ 25,000 $ 25,000 $ 109,000
Pitkin, Colorado 1 $ 245,000 $ 245,000 $ 80,000
Teller, Colorado 1 $ 25,000 $ 25,000 $ 79,000
Tolland, Connecticut 1 $ 285,000 $ 285,000 $ 103,000
District of Columbia, District Of Columbia 1 $ 25,000 $ 25,000 $ 108,000
Alachua, Florida 1 $ 15,000 $ 15,000 $ 51,000
Columbia, Florida 1 $ 25,000 $ 25,000 $ 200,000
Escambia, Florida 1 $ 25,000 $ 25,000 $ 75,000
Gadsden, Florida 1 $ 25,000 $ 25,000 $ 50,000
Hardee, Florida 1 $ 25,000 $ 25,000 $ 70,000
Highlands, Florida 1 $ 25,000 $ 25,000 $ 158,000
Manatee, Florida 1 $ 25,000 $ 25,000 $ 61,000
Osceola, Florida 1 $ 5,000 $ 5,000 $ 54,000
Pasco, Florida 1 $ 15,000 $ 15,000 $ 104,000
Putnam, Florida 1 $ 25,000 $ 25,000 $ 180,000
Sumter, Florida 1 $ 25,000 $ 25,000 $ 168,000
Butts, Georgia 1 $ 25,000 $ 25,000 $ 96,000
Carroll, Georgia 1 $ 15,000 $ 15,000 $ 58,000
Coweta, Georgia 1 $ 25,000 $ 25,000 $ 180,000
Dougherty, Georgia 1 $ 25,000 $ 25,000 $ 40,000
Emanuel, Georgia 1 $ 25,000 $ 25,000 $ 79,000
Floyd, Georgia 1 $ 55,000 $ 55,000 $ 18,000
Forsyth, Georgia 1 $ 25,000 $ 25,000 $ 121,000
Grady, Georgia 1 $ 25,000 $ 25,000 $ 75,000
Jackson, Georgia 1 $ 15,000 $ 15,000 $ 68,000
Jones, Georgia 1 $ 25,000 $ 25,000 $ 141,000
McIntosh, Georgia 1 $ 5,000 $ 5,000 $ 21,000
Morgan, Georgia 1 $ 25,000 $ 25,000 $ 75,000
Murray, Georgia 1 $ 25,000 $ 25,000 $ 62,000
Paulding, Georgia 1 $ 55,000 $ 55,000 $ 94,000
Pierce, Georgia 1 $ 15,000 $ 15,000 $ 161,000
Richmond, Georgia 1 $ 15,000 $ 15,000 $ 157,000
Rockdale, Georgia 1 $ 15,000 $ 15,000 $ 30,000
Spalding, Georgia 1 $ 15,000 $ 15,000 $ 47,000
Telfair, Georgia 1 $ 25,000 $ 25,000 $ 147,000
Twiggs, Georgia 1 $ 15,000 $ 15,000 $ 117,000
Whitfield, Georgia 1 $ 25,000 $ 25,000 $ 233,000
Wilkinson, Georgia 1 $ 15,000 $ 15,000 $ 135,000
Owyhee, Idaho 1 $ 25,000 $ 25,000 $ 186,000
Shoshone, Idaho 1 $ 25,000 $ 25,000 $ 110,000
Champaign, Illinois 1 $ 25,000 $ 25,000 $ 51,000
Christian, Illinois 1 $ 25,000 $ 25,000 $ 85,000
Macon, Illinois 1 $ 25,000 $ 25,000 $ 168,000
Macoupin, Illinois 1 $ 25,000 $ 25,000 $ 206,000
Montgomery, Illinois 1 $ 25,000 $ 25,000 $ 99,000
Saline, Illinois 1 $ 15,000 $ 15,000 $ 83,000
Vermilion, Illinois 1 $ 25,000 $ 25,000 $ 76,000
Winnebago, Illinois 1 $ 25,000 $ 25,000 $ 63,000
Allen, Indiana 1 $ 5,000 $ 5,000 $ 48,000
Clark, Indiana 1 $ 25,000 $ 25,000 $ 84,000
Elkhart, Indiana 1 $ 25,000 $ 25,000 $ 152,000
Jay, Indiana 1 $ 25,000 $ 25,000 $ 62,000
LaPorte, Indiana 1 $ 25,000 $ 25,000 $ 138,000
Lawrence, Indiana 1 $ 25,000 $ 25,000 $ 42,000
Madison, Indiana 1 $ 25,000 $ 25,000 $ 74,000
Marshall, Indiana 1 $ 25,000 $ 25,000 $ 105,000
Tippecanoe, Indiana 1 $ 25,000 $ 25,000 $ 102,000
Vigo, Indiana 1 $ 25,000 $ 25,000 $ 63,000
White, Indiana 1 $ 25,000 $ 25,000 $ 86,000
Whitley, Indiana 1 $ 25,000 $ 25,000 $ 56,000
Floyd, Iowa 1 $ 25,000 $ 25,000 $ 26,000
Harrison, Iowa 1 $ 15,000 $ 15,000 $ 163,000
Plymouth, Iowa 1 $ 25,000 $ 25,000 $ 120,000
Allen, Kansas 1 $ 25,000 $ 25,000 $ 75,000
Norton, Kansas 1 $ 25,000 $ 25,000 $ 86,000
Shawnee, Kansas 1 $ 25,000 $ 25,000 $ 85,000
Anderson, Kentucky 1 $ 25,000 $ 25,000 $ 130,000
Clark, Kentucky 1 $ 25,000 $ 25,000 $ 98,000
Daviess, Kentucky 1 $ 25,000 $ 25,000 $ 165,000
Hopkins, Kentucky 1 $ 25,000 $ 25,000 $ 34,000
Jefferson, Kentucky 1 $ 25,000 $ 25,000 $ 86,000
Laurel, Kentucky 1 $ 15,000 $ 15,000 $ 83,000
Marshall, Kentucky 1 $ 25,000 $ 25,000 $ 98,000
Pendleton, Kentucky 1 $ 15,000 $ 15,000 $ 55,000
Powell, Kentucky 1 $ 25,000 $ 25,000 $ 100,000
Allen, Louisiana 1 $ 25,000 $ 25,000 $ 162,000
Bienville, Louisiana 1 $ 25,000 $ 25,000 $ 156,000
Bossier, Louisiana 1 $ 25,000 $ 25,000 $ 150,000
Caddo, Louisiana 1 $ 25,000 $ 25,000 $ 90,000
East Baton Rouge, Louisiana 1 $ 25,000 $ 25,000 $ 139,000
Jackson, Louisiana 1 $ 25,000 $ 25,000 $ 160,000
Sabine, Louisiana 1 $ 25,000 $ 25,000 $ 72,000
St. Charles, Louisiana 1 $ 25,000 $ 25,000 $ 129,000
St. James, Louisiana 1 $ 25,000 $ 25,000 $ 126,000
St. John the Baptist, Louisiana 1 $ 25,000 $ 25,000 $ 100,000
St. Martin, Louisiana 1 $ 25,000 $ 25,000 $ 69,000
St. Mary, Louisiana 1 $ 25,000 $ 25,000 $ 300,000
Tangipahoa, Louisiana 1 $ 25,000 $ 25,000 $ 106,000
Hancock, Maine 1 $ 15,000 $ 15,000 $ 86,000
Oxford, Maine 1 $ 5,000 $ 5,000 $ 24,000
Carroll, Maryland 1 $ 25,000 $ 25,000 $ 108,000
Charles, Maryland 1 $ 25,000 $ 25,000 $ 221,000
Frederick, Maryland 1 $ 25,000 $ 25,000 $ 167,000
Garrett, Maryland 1 $ 15,000 $ 15,000 $ 84,000
Kent, Maryland 1 $ 25,000 $ 25,000 $ 149,000
Somerset, Maryland 1 $ 25,000 $ 25,000 $ 52,000
Washington, Maryland 1 $ 15,000 $ 15,000 $ 45,000
Barnstable, Massachusetts 1 $ 315,000 $ 315,000 $ 449,000
Nantucket, Massachusetts 1 $ 2,455,000 $ 2,455,000 $ 674,000
Genesee, Michigan 1 $ 25,000 $ 25,000 $ 53,000
Kalamazoo, Michigan 1 $ 25,000 $ 25,000 $ 115,000
St. Clair, Michigan 1 $ 25,000 $ 25,000 $ 53,000
Chippewa, Minnesota 1 $ 25,000 $ 25,000 $ 153,000
Crow Wing, Minnesota 1 $ 25,000 $ 25,000 $ 72,000
Jackson, Minnesota 1 $ 15,000 $ 15,000 $ 45,000
Sherburne, Minnesota 1 $ 25,000 $ 25,000 $ 60,000
Sibley, Minnesota 1 $ 15,000 $ 15,000 $ 85,000
Forrest, Mississippi 1 $ 5,000 $ 5,000 $ 51,000
Hinds, Mississippi 1 $ 15,000 $ 15,000 $ 51,000
Madison, Mississippi 1 $ 15,000 $ 15,000 $ 133,000
Buchanan, Missouri 1 $ 25,000 $ 25,000 $ 120,000
Cape Girardeau, Missouri 1 $ 15,000 $ 15,000 $ 126,000
Clinton, Missouri 1 $ 15,000 $ 15,000 $ 110,000
DeKalb, Missouri 1 $ 15,000 $ 15,000 $ 180,000
Greene, Missouri 1 $ 5,000 $ 5,000 $ 46,000
Jasper, Missouri 1 $ 25,000 $ 25,000 $ 60,000
Jefferson, Missouri 1 $ 25,000 $ 25,000 $ 82,000
Mississippi, Missouri 1 $ 25,000 $ 25,000 $ 60,000
Pulaski, Missouri 1 $ 15,000 $ 15,000 $ 101,000
St. Charles, Missouri 1 $ 25,000 $ 25,000 $ 104,000
St. Louis, Missouri 1 $ 25,000 $ 25,000 $ 41,000
Burt, Nebraska 1 $ 15,000 $ 15,000 $ 88,000
Merrick, Nebraska 1 $ 15,000 $ 15,000 $ 81,000
Carson City, Nevada 1 $ 25,000 $ 25,000 $ 52,000
Clark, Nevada 1 $ 25,000 $ 25,000 $ 8,000
Lyon, Nevada 1 $ 15,000 $ 15,000 $ 108,000
White Pine, Nevada 1 $ 25,000 $ 25,000 $ 93,000
Carroll, New Hampshire 1 $ 215,000 $ 215,000 $ 277,000
Sullivan, New Hampshire 1 $ 385,000 $ 385,000 $ 189,000
Bergen, New Jersey 1 $ 25,000 $ 25,000 $ 144,000
Cumberland, New Jersey 1 $ 15,000 $ 15,000 $ 63,000
Hunterdon, New Jersey 1 $ 25,000 $ 25,000 $ 288,000
Mercer, New Jersey 1 $ 25,000 $ 25,000 $ 79,000
Morris, New Jersey 1 $ 25,000 $ 25,000 $ 217,000
Somerset, New Jersey 1 $ 15,000 $ 15,000 $ 127,000
Union, New Jersey 1 $ 25,000 $ 25,000 $ 152,000
Warren, New Jersey 1 $ 25,000 $ 25,000 $ 113,000
Bernalillo, New Mexico 1 $ 25,000 $ 25,000 $ 45,000
Eddy, New Mexico 1 $ 25,000 $ 25,000 $ 67,000
Grant, New Mexico 1 $ 65,000 $ 65,000 $ 36,000
Sierra, New Mexico 1 $ 25,000 $ 25,000 $ 176,000
Bronx, New York 1 $ 25,000 $ 25,000 $ 143,000
Dutchess, New York 1 $ 25,000 $ 25,000 $ 94,000
Montgomery, New York 1 $ 25,000 $ 25,000 $ 155,000
Onondaga, New York 1 $ 25,000 $ 25,000 $ 205,000
Warren, New York 1 $ 25,000 $ 25,000 $ 192,000
Washington, New York 1 $ 15,000 $ 15,000 $ 73,000
Alamance, North Carolina 1 $ 25,000 $ 25,000 $ 21,000
Caldwell, North Carolina 1 $ 15,000 $ 15,000 $ 75,000
Carteret, North Carolina 1 $ 25,000 $ 25,000 $ 80,000
Chatham, North Carolina 1 $ 25,000 $ 25,000 $ 149,000
Currituck, North Carolina 1 $ 25,000 $ 25,000 $ 36,000
Franklin, North Carolina 1 $ 25,000 $ 25,000 $ 60,000
Gaston, North Carolina 1 $ 25,000 $ 25,000 $ 157,000
Greene, North Carolina 1 $ 25,000 $ 25,000 $ 87,000
Guilford, North Carolina 1 $ 15,000 $ 15,000 $ 87,000
Halifax, North Carolina 1 $ 15,000 $ 15,000 $ 168,000
Harnett, North Carolina 1 $ 25,000 $ 25,000 $ 92,000
Henderson, North Carolina 1 $ 15,000 $ 15,000 $ 62,000
Onslow, North Carolina 1 $ 15,000 $ 15,000 $ 94,000
Pender, North Carolina 1 $ 25,000 $ 25,000 $ 58,000
Person, North Carolina 1 $ 15,000 $ 15,000 $ 56,000
Polk, North Carolina 1 $ 25,000 $ 25,000 $ 41,000
Stanly, North Carolina 1 $ 15,000 $ 15,000 $ 47,000
Yancey, North Carolina 1 $ 25,000 $ 25,000 $ 87,000
Auglaize, Ohio 1 $ 5,000 $ 5,000 $ 35,000
Carroll, Ohio 1 $ 25,000 $ 25,000 $ 73,000
Champaign, Ohio 1 $ 25,000 $ 25,000 $ 196,000
Coshocton, Ohio 1 $ 25,000 $ 25,000 $ 48,000
Defiance, Ohio 1 $ 15,000 $ 15,000 $ 127,000
Erie, Ohio 1 $ 25,000 $ 25,000 $ 147,000
Greene, Ohio 1 $ 25,000 $ 25,000 $ 60,000
Hancock, Ohio 1 $ 15,000 $ 15,000 $ 21,000
Huron, Ohio 1 $ 25,000 $ 25,000 $ 72,000
Jackson, Ohio 1 $ 15,000 $ 15,000 $ 111,000
Lake, Ohio 1 $ 25,000 $ 25,000 $ 58,000
Mahoning, Ohio 1 $ 25,000 $ 25,000 $ 240,000
Medina, Ohio 1 $ 5,000 $ 5,000 $ 12,000
Montgomery, Ohio 1 $ 25,000 $ 25,000 $ 120,000
Perry, Ohio 1 $ 25,000 $ 25,000 $ 223,000
Ross, Ohio 1 $ 15,000 $ 15,000 $ 126,000
Scioto, Ohio 1 $ 25,000 $ 25,000 $ 60,000
Van Wert, Ohio 1 $ 25,000 $ 25,000 $ 89,000
Warren, Ohio 1 $ 25,000 $ 25,000 $ 54,000
Beaver, Oklahoma 1 $ 15,000 $ 15,000 $ 50,000
Blaine, Oklahoma 1 $ 25,000 $ 25,000 $ 34,000
Caddo, Oklahoma 1 $ 5,000 $ 5,000 $ 94,000
McIntosh, Oklahoma 1 $ 25,000 $ 25,000 $ 213,000
Okmulgee, Oklahoma 1 $ 25,000 $ 25,000 $ 161,000
Payne, Oklahoma 1 $ 25,000 $ 25,000 $ 48,000
Pittsburg, Oklahoma 1 $ 25,000 $ 25,000 $ 106,000
Pottawatomie, Oklahoma 1 $ 25,000 $ 25,000 $ 167,000
Crook, Oregon 1 $ 25,000 $ 25,000 $ 170,000
Deschutes, Oregon 1 $ 25,000 $ 25,000 $ 110,000
Douglas, Oregon 1 $ 25,000 $ 25,000 $ 61,000
Jefferson, Oregon 1 $ 25,000 $ 25,000 $ 114,000
Tillamook, Oregon 1 $ 25,000 $ 25,000 $ 64,000
Washington, Oregon 1 $ 805,000 $ 805,000 $ 374,000
Bedford, Pennsylvania 1 $ 25,000 $ 25,000 $ 34,000
Berks, Pennsylvania 1 $ 25,000 $ 25,000 $ 80,000
Cumberland, Pennsylvania 1 $ 65,000 $ 65,000 $ 120,000
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Mortgage Loan Application Detail Totals for Shoreham Bank in 2023

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 1,365 $31,185,000 $22,000 $75,000 $108,000 $1,512,000
Home Purchase 269 $110,995,000 $412,000 $2,455,000 $158,000 $1,596,000
Other Purpose 102 $9,350,000 $91,000 $305,000 $150,000 $894,000
Cash-out Refinancing 48 $9,260,000 $192,000 $625,000 $114,000 $341,000
Refinancing 12 $2,370,000 $197,000 $485,000 $117,000 $281,000
Not Applicable 0 $0 $0 $0 $0 $0

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 1,129 $123,405,000 $109,000 $2,455,000 $124,000 $1,596,000
Not Provided 390 $11,900,000 $30,000 $685,000 $108,000 $1,512,000
Black or African American 139 $11,135,000 $80,000 $655,000 $102,000 $679,000
Hispanic 102 $12,770,000 $125,000 $805,000 $120,000 $894,000
Asian 30 $3,780,000 $126,000 $505,000 $129,000 $438,000
American Indian or Alaskan Native 6 $170,000 $28,000 $65,000 $93,000 $149,000
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) 1,428 $57,520,000 $40,000 $725,000 $108,000 $1,512,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 362 $102,090,000 $282,000 $2,455,000 $156,000 $1,596,000
VA-guaranteed (Veterans Administration) 6 $3,550,000 $591,000 $725,000 $150,000 $214,000
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 717 $108,085,000 $150,000 $2,455,000 $138,000 $1,596,000
Application Withdrawn By Applicant 569 $35,395,000 $62,000 $925,000 $121,000 $894,000
Application Denied By Financial Institution 502 $17,520,000 $34,000 $545,000 $86,000 $1,512,000
Application Approved But Not Accepted 5 $1,045,000 $209,000 $405,000 $164,000 $410,000
File Closed For Incompleteness 3 $1,115,000 $371,000 $585,000 $127,000 $146,000
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 1,294 $145,640,000 $112,000 $2,455,000 $131,000 $1,596,000
Debt-To-Income Ratio 284 $7,590,000 $26,000 $405,000 $79,000 $255,000
Credit History 180 $4,970,000 $27,000 $505,000 $94,000 $1,512,000
Collateral 25 $3,435,000 $137,000 $545,000 $85,000 $176,000
Other 9 $395,000 $43,000 $175,000 $84,000 $138,000
Unverifiable Information 2 $610,000 $305,000 $305,000 $370,000 $679,000
Employment History 2 $520,000 $260,000 $515,000 $38,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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 2023 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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