Shoreham Bank Mortgage Lending & HMDA Data, 2024

In 2024, Shoreham Bank of Warwick, RI reported 1,680 mortgage applications totaling $223.1 million, down 6% from 2023. The average application was for $132,767, and applicants reported an average income of $133,763. 43% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Providence-Warwick, RI-MA (320), Kansas City, MO-KS (47) and Los Angeles-Long Beach-Glendale, CA (43) (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 1,680
Total Mortgage Loan Application Amount $223,050,000
Average Mortgage Loan Application Amount $132,767
Highest Mortgage Loan Application Amount $2,885,000
Average Applicant Income $133,763
Highest Applicant Income $1,564,000

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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

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 151 $ 36,325,000 $ 240,562 $ 128,000
Kent, Rhode Island 85 $ 20,805,000 $ 244,764 $ 129,000
Los Angeles, California 43 $ 1,055,000 $ 24,534 $ 122,000
Washington, Rhode Island 32 $ 10,670,000 $ 333,437 $ 142,000
Kent, Delaware 28 $ 650,000 $ 23,214 $ 91,000
Newport, Rhode Island 27 $ 12,135,000 $ 449,444 $ 208,000
Sussex, Delaware 26 $ 610,000 $ 23,461 $ 92,000
Essex, Massachusetts 26 $ 9,270,000 $ 356,538 $ 158,000
Hillsborough, New Hampshire 20 $ 5,930,000 $ 296,500 $ 195,000
Rockingham, New Hampshire 20 $ 9,810,000 $ 490,500 $ 190,000
Bristol, Massachusetts 18 $ 3,160,000 $ 175,555 $ 104,000
Maricopa, Arizona 17 $ 4,185,000 $ 246,176 $ 248,000
Worcester, Massachusetts 16 $ 4,900,000 $ 306,250 $ 145,000
San Bernardino, California 15 $ 1,115,000 $ 74,333 $ 124,000
Palm Beach, Florida 15 $ 355,000 $ 23,666 $ 123,000
Cook, Illinois 15 $ 945,000 $ 63,000 $ 115,000
Middlesex, Massachusetts 15 $ 4,945,000 $ 329,666 $ 153,000
Milwaukee, Wisconsin 13 $ 295,000 $ 22,692 $ 91,000
Jackson, Missouri 12 $ 240,000 $ 20,000 $ 138,000
Collier, Florida 11 $ 1,515,000 $ 137,727 $ 166,000
Plymouth, Massachusetts 11 $ 4,195,000 $ 381,363 $ 179,000
Capitol Planning Region, Connecticut 10 $ 2,580,000 $ 258,000 $ 131,000
New Castle, Delaware 10 $ 250,000 $ 25,000 $ 178,000
Johnson, Kansas 10 $ 300,000 $ 30,000 $ 114,000
Riverside, California 9 $ 1,395,000 $ 155,000 $ 183,000
Lake, Indiana 9 $ 215,000 $ 23,888 $ 104,000
Outagamie, Wisconsin 9 $ 225,000 $ 25,000 $ 62,000
Waukesha, Wisconsin 9 $ 195,000 $ 21,666 $ 108,000
Marion, Indiana 8 $ 350,000 $ 43,750 $ 140,000
Dorchester, Maryland 8 $ 170,000 $ 21,250 $ 102,000
Winnebago, Wisconsin 8 $ 190,000 $ 23,750 $ 60,000
Northeastern Connecticut Planning Region, Connecticut 7 $ 1,325,000 $ 189,285 $ 126,000
Fulton, Georgia 7 $ 405,000 $ 57,857 $ 102,000
Wicomico, Maryland 7 $ 165,000 $ 23,571 $ 119,000
Platte, Missouri 7 $ 175,000 $ 25,000 $ 148,000
Robeson, North Carolina 7 $ 205,000 $ 29,285 $ 88,000
Bristol, Rhode Island 7 $ 1,835,000 $ 262,142 $ 143,000
Pima, Arizona 6 $ 1,140,000 $ 190,000 $ 124,000
Southeastern Connecticut Planning Region, Connecticut 6 $ 1,350,000 $ 225,000 $ 124,000
Hillsborough, Florida 6 $ 960,000 $ 160,000 $ 151,000
Lake, Florida 6 $ 140,000 $ 23,333 $ 207,000
Lee, Florida 6 $ 510,000 $ 85,000 $ 147,000
Nassau, Florida 6 $ 140,000 $ 23,333 $ 141,000
Volusia, Florida 6 $ 150,000 $ 25,000 $ 170,000
Porter, Indiana 6 $ 130,000 $ 21,666 $ 83,000
Lafayette, Louisiana 6 $ 150,000 $ 25,000 $ 107,000
Hampden, Massachusetts 6 $ 450,000 $ 75,000 $ 175,000
Onslow, North Carolina 6 $ 110,000 $ 18,333 $ 79,000
Randolph, North Carolina 6 $ 110,000 $ 18,333 $ 59,000
Tulsa, Oklahoma 6 $ 250,000 $ 41,666 $ 74,000
Berks, Pennsylvania 6 $ 120,000 $ 20,000 $ 134,000
Anderson, South Carolina 6 $ 190,000 $ 31,666 $ 124,000
Adams, Colorado 5 $ 515,000 $ 103,000 $ 170,000
Lower Connecticut River Valley Planning Region, Connecticut 5 $ 1,505,000 $ 301,000 $ 130,000
South Central Connecticut Planning Region, Connecticut 5 $ 2,835,000 $ 567,000 $ 235,000
Pasco, Florida 5 $ 105,000 $ 21,000 $ 84,000
DuPage, Illinois 5 $ 125,000 $ 25,000 $ 153,000
Will, Illinois 5 $ 125,000 $ 25,000 $ 176,000
Leavenworth, Kansas 5 $ 115,000 $ 23,000 $ 118,000
Queen Anne's, Maryland 5 $ 175,000 $ 35,000 $ 143,000
Clay, Missouri 5 $ 125,000 $ 25,000 $ 118,000
Adams, Pennsylvania 5 $ 105,000 $ 21,000 $ 125,000
Greenwood, South Carolina 5 $ 95,000 $ 19,000 $ 66,000
Brown, Wisconsin 5 $ 125,000 $ 25,000 $ 59,000
Orange, California 4 $ 560,000 $ 140,000 $ 500,000
San Diego, California 4 $ 2,580,000 $ 645,000 $ 224,000
Ventura, California 4 $ 1,080,000 $ 270,000 $ 202,000
Naugatuck Valley Planning Region, Connecticut 4 $ 580,000 $ 145,000 $ 123,000
District of Columbia, District Of Columbia 4 $ 1,100,000 $ 275,000 $ 212,000
Duval, Florida 4 $ 60,000 $ 15,000 $ 66,000
St. Johns, Florida 4 $ 450,000 $ 112,500 $ 151,000
St. Joseph, Indiana 4 $ 70,000 $ 17,500 $ 92,000
Prince George's, Maryland 4 $ 90,000 $ 22,500 $ 163,000
Lyon, Nevada 4 $ 90,000 $ 22,500 $ 94,000
Bergen, New Jersey 4 $ 80,000 $ 20,000 $ 185,000
Davidson, North Carolina 4 $ 60,000 $ 15,000 $ 65,000
Montgomery, Texas 4 $ 100,000 $ 25,000 $ 178,000
Windham, Vermont 4 $ 500,000 $ 125,000 $ 115,000
Prince William, Virginia 4 $ 80,000 $ 20,000 $ 149,000
Spokane, Washington 4 $ 100,000 $ 25,000 $ 97,000
Marshall, Alabama 3 $ 55,000 $ 18,333 $ 104,000
Kern, California 3 $ 365,000 $ 121,666 $ 132,000
Sacramento, California 3 $ 1,175,000 $ 391,666 $ 293,000
Elbert, Colorado 3 $ 55,000 $ 18,333 $ 234,000
Broward, Florida 3 $ 985,000 $ 328,333 $ 175,000
Charlotte, Florida 3 $ 815,000 $ 271,666 $ 217,000
Citrus, Florida 3 $ 65,000 $ 21,666 $ 71,000
Miami-Dade, Florida 3 $ 1,215,000 $ 405,000 $ 176,000
Pinellas, Florida 3 $ 775,000 $ 258,333 $ 139,000
Sarasota, Florida 3 $ 675,000 $ 225,000 $ 105,000
Cobb, Georgia 3 $ 75,000 $ 25,000 $ 77,000
Dade, Georgia 3 $ 45,000 $ 15,000 $ 41,000
Williamson, Illinois 3 $ 65,000 $ 21,666 $ 54,000
Allen, Indiana 3 $ 75,000 $ 25,000 $ 66,000
Polk, Iowa 3 $ 75,000 $ 25,000 $ 96,000
Calcasieu, Louisiana 3 $ 75,000 $ 25,000 $ 172,000
St. Martin, Louisiana 3 $ 75,000 $ 25,000 $ 176,000
Allegany, Maryland 3 $ 65,000 $ 21,666 $ 175,000
Caroline, Maryland 3 $ 75,000 $ 25,000 $ 122,000
Carroll, Maryland 3 $ 75,000 $ 25,000 $ 189,000
Howard, Maryland 3 $ 565,000 $ 188,333 $ 190,000
Nantucket, Massachusetts 3 $ 3,575,000 $ 1,191,666 $ 958,000
Norfolk, Massachusetts 3 $ 1,585,000 $ 528,333 $ 124,000
Oakland, Michigan 3 $ 65,000 $ 21,666 $ 102,000
St. Louis City, Missouri 3 $ 55,000 $ 18,333 $ 80,000
Clark, Nevada 3 $ 1,425,000 $ 475,000 $ 202,000
Cheshire, New Hampshire 3 $ 65,000 $ 21,666 $ 106,000
Burlington, New Jersey 3 $ 615,000 $ 205,000 $ 135,000
Essex, New Jersey 3 $ 75,000 $ 25,000 $ 114,000
Morris, New Jersey 3 $ 1,615,000 $ 538,333 $ 214,000
Nassau, New York 3 $ 305,000 $ 101,666 $ 107,000
Anson, North Carolina 3 $ 75,000 $ 25,000 $ 110,000
Brunswick, North Carolina 3 $ 65,000 $ 21,666 $ 72,000
Cabarrus, North Carolina 3 $ 75,000 $ 25,000 $ 132,000
Cumberland, North Carolina 3 $ 55,000 $ 18,333 $ 90,000
Duplin, North Carolina 3 $ 75,000 $ 25,000 $ 123,000
Forsyth, North Carolina 3 $ 195,000 $ 65,000 $ 194,000
Gaston, North Carolina 3 $ 45,000 $ 15,000 $ 87,000
Johnston, North Carolina 3 $ 75,000 $ 25,000 $ 93,000
Pender, North Carolina 3 $ 75,000 $ 25,000 $ 100,000
Rockingham, North Carolina 3 $ 185,000 $ 61,666 $ 46,000
Union, North Carolina 3 $ 215,000 $ 71,666 $ 223,000
Delaware, Ohio 3 $ 75,000 $ 25,000 $ 309,000
Fairfield, Ohio 3 $ 75,000 $ 25,000 $ 96,000
Richland, Ohio 3 $ 25,000 $ 8,333 $ 64,000
Summit, Ohio 3 $ 395,000 $ 131,666 $ 126,000
Rogers, Oklahoma 3 $ 75,000 $ 25,000 $ 125,000
Marion, Oregon 3 $ 835,000 $ 278,333 $ 152,000
Allegheny, Pennsylvania 3 $ 265,000 $ 88,333 $ 120,000
Cambria, Pennsylvania 3 $ 75,000 $ 25,000 $ 121,000
Philadelphia, Pennsylvania 3 $ 975,000 $ 325,000 $ 232,000
Kershaw, South Carolina 3 $ 55,000 $ 18,333 $ 92,000
Dallas, Texas 3 $ 75,000 $ 25,000 $ 65,000
King, Washington 3 $ 1,925,000 $ 641,666 $ 297,000
Marinette, Wisconsin 3 $ 75,000 $ 25,000 $ 48,000
Racine, Wisconsin 3 $ 75,000 $ 25,000 $ 70,000
Wood, Wisconsin 3 $ 75,000 $ 25,000 $ 53,000
Laramie, Wyoming 3 $ 165,000 $ 55,000 $ 121,000
Chilton, Alabama 2 $ 50,000 $ 25,000 $ 179,000
San Joaquin, California 2 $ 50,000 $ 25,000 $ 145,000
Douglas, Colorado 2 $ 50,000 $ 25,000 $ 191,000
Weld, Colorado 2 $ 400,000 $ 200,000 $ 137,000
Greater Bridgeport Planning Region, Connecticut 2 $ 50,000 $ 25,000 $ 113,000
Western Connecticut Planning Region, Connecticut 2 $ 1,570,000 $ 785,000 $ 341,000
Levy, Florida 2 $ 40,000 $ 20,000 $ 112,000
Marion, Florida 2 $ 40,000 $ 20,000 $ 79,000
Orange, Florida 2 $ 40,000 $ 20,000 $ 107,000
Osceola, Florida 2 $ 40,000 $ 20,000 $ 80,000
Polk, Florida 2 $ 50,000 $ 25,000 $ 58,000
St. Lucie, Florida 2 $ 130,000 $ 65,000 $ 239,000
Appling, Georgia 2 $ 40,000 $ 20,000 $ 167,000
Camden, Georgia 2 $ 50,000 $ 25,000 $ 180,000
DeKalb, Georgia 2 $ 50,000 $ 25,000 $ 117,000
Echols, Georgia 2 $ 30,000 $ 15,000 $ 222,000
Houston, Georgia 2 $ 50,000 $ 25,000 $ 109,000
Laurens, Georgia 2 $ 50,000 $ 25,000 $ 146,000
Champaign, Illinois 2 $ 30,000 $ 15,000 $ 56,000
Kane, Illinois 2 $ 50,000 $ 25,000 $ 204,000
Kendall, Illinois 2 $ 50,000 $ 25,000 $ 158,000
Madison, Illinois 2 $ 50,000 $ 25,000 $ 148,000
Peoria, Illinois 2 $ 40,000 $ 20,000 $ 107,000
St. Clair, Illinois 2 $ 380,000 $ 190,000 $ 184,000
Dearborn, Indiana 2 $ 10,000 $ 5,000 $ 190,000
Miami, Kansas 2 $ 30,000 $ 15,000 $ 125,000
Sedgwick, Kansas 2 $ 50,000 $ 25,000 $ 121,000
Fayette, Kentucky 2 $ 50,000 $ 25,000 $ 195,000
Iberia, Louisiana 2 $ 40,000 $ 20,000 $ 107,000
St. Landry, Louisiana 2 $ 50,000 $ 25,000 $ 112,000
Vernon, Louisiana 2 $ 40,000 $ 20,000 $ 99,000
Cumberland, Maine 2 $ 620,000 $ 310,000 $ 170,000
Baltimore, Maryland 2 $ 50,000 $ 25,000 $ 115,000
Baltimore City, Maryland 2 $ 50,000 $ 25,000 $ 78,000
Charles, Maryland 2 $ 40,000 $ 20,000 $ 237,000
Barnstable, Massachusetts 2 $ 370,000 $ 185,000 $ 64,000
Suffolk, Massachusetts 2 $ 480,000 $ 240,000 $ 104,000
St. Clair, Michigan 2 $ 90,000 $ 45,000 $ 97,000
Cass, Missouri 2 $ 50,000 $ 25,000 $ 112,000
Greene, Missouri 2 $ 50,000 $ 25,000 $ 165,000
Elko, Nevada 2 $ 390,000 $ 195,000 $ 136,000
Merrimack, New Hampshire 2 $ 280,000 $ 140,000 $ 118,000
Strafford, New Hampshire 2 $ 940,000 $ 470,000 $ 325,000
Gloucester, New Jersey 2 $ 40,000 $ 20,000 $ 163,000
Somerset, New Jersey 2 $ 660,000 $ 330,000 $ 219,000
Sussex, New Jersey 2 $ 50,000 $ 25,000 $ 254,000
Bronx, New York 2 $ 30,000 $ 15,000 $ 95,000
Erie, New York 2 $ 40,000 $ 20,000 $ 80,000
Onondaga, New York 2 $ 600,000 $ 300,000 $ 280,000
Schenectady, New York 2 $ 170,000 $ 85,000 $ 107,000
Suffolk, New York 2 $ 50,000 $ 25,000 $ 174,000
Westchester, New York 2 $ 400,000 $ 200,000 $ 147,000
Alamance, North Carolina 2 $ 40,000 $ 20,000 $ 59,000
Camden, North Carolina 2 $ 50,000 $ 25,000 $ 125,000
Columbus, North Carolina 2 $ 50,000 $ 25,000 $ 134,000
Franklin, North Carolina 2 $ 50,000 $ 25,000 $ 136,000
Harnett, North Carolina 2 $ 40,000 $ 20,000 $ 118,000
Wake, North Carolina 2 $ 50,000 $ 25,000 $ 110,000
Warren, North Carolina 2 $ 50,000 $ 25,000 $ 45,000
Franklin, Ohio 2 $ 30,000 $ 15,000 $ 81,000
Lake, Ohio 2 $ 50,000 $ 25,000 $ 165,000
Licking, Ohio 2 $ 50,000 $ 25,000 $ 137,000
Logan, Ohio 2 $ 40,000 $ 20,000 $ 79,000
Marion, Ohio 2 $ 50,000 $ 25,000 $ 109,000
Latimer, Oklahoma 2 $ 50,000 $ 25,000 $ 77,000
Logan, Oklahoma 2 $ 50,000 $ 25,000 $ 169,000
Oklahoma, Oklahoma 2 $ 50,000 $ 25,000 $ 201,000
Bucks, Pennsylvania 2 $ 50,000 $ 25,000 $ 97,000
Cumberland, Pennsylvania 2 $ 40,000 $ 20,000 $ 75,000
Somerset, Pennsylvania 2 $ 50,000 $ 25,000 $ 73,000
York, Pennsylvania 2 $ 40,000 $ 20,000 $ 97,000
Berkeley, South Carolina 2 $ 210,000 $ 105,000 $ 166,000
Darlington, South Carolina 2 $ 50,000 $ 25,000 $ 86,000
Fairfield, South Carolina 2 $ 50,000 $ 25,000 $ 209,000
Florence, South Carolina 2 $ 270,000 $ 135,000 $ 83,000
Richland, South Carolina 2 $ 40,000 $ 20,000 $ 167,000
Spartanburg, South Carolina 2 $ 50,000 $ 25,000 $ 112,000
Codington, South Dakota 2 $ 30,000 $ 15,000 $ 66,000
Bradley, Tennessee 2 $ 30,000 $ 15,000 $ 74,000
Hamilton, Tennessee 2 $ 1,780,000 $ 890,000 $ 308,000
Jefferson, Tennessee 2 $ 40,000 $ 20,000 $ 79,000
Knox, Tennessee 2 $ 40,000 $ 20,000 $ 52,000
McMinn, Tennessee 2 $ 40,000 $ 20,000 $ 105,000
Roane, Tennessee 2 $ 50,000 $ 25,000 $ 141,000
Sullivan, Tennessee 2 $ 40,000 $ 20,000 $ 108,000
Collin, Texas 2 $ 50,000 $ 25,000 $ 143,000
Harris, Texas 2 $ 50,000 $ 25,000 $ 416,000
Liberty, Texas 2 $ 50,000 $ 25,000 $ 165,000
McLennan, Texas 2 $ 30,000 $ 15,000 $ 47,000
Utah, Utah 2 $ 1,480,000 $ 740,000 $ 260,000
Frederick, Virginia 2 $ 60,000 $ 30,000 $ 118,000
Stafford, Virginia 2 $ 60,000 $ 30,000 $ 88,000
Suffolk, Virginia 2 $ 330,000 $ 165,000 $ 126,000
Benton, Washington 2 $ 50,000 $ 25,000 $ 103,000
Clark, Washington 2 $ 50,000 $ 25,000 $ 94,000
Pierce, Washington 2 $ 50,000 $ 25,000 $ 205,000
Thurston, Washington 2 $ 1,080,000 $ 540,000 $ 245,000
Harrison, West Virginia 2 $ 40,000 $ 20,000 $ 122,000
Preston, West Virginia 2 $ 30,000 $ 15,000 $ 137,000
Calumet, Wisconsin 2 $ 50,000 $ 25,000 $ 48,000
Manitowoc, Wisconsin 2 $ 50,000 $ 25,000 $ 71,000
Marathon, Wisconsin 2 $ 40,000 $ 20,000 $ 74,000
Walworth, Wisconsin 2 $ 50,000 $ 25,000 $ 87,000
Washington, Wisconsin 2 $ 50,000 $ 25,000 $ 155,000
Waupaca, Wisconsin 2 $ 50,000 $ 25,000 $ 82,000
Bullock, Alabama 1 $ 25,000 $ 25,000 $ 150,000
Elmore, Alabama 1 $ 25,000 $ 25,000 $ 41,000
Escambia, Alabama 1 $ 15,000 $ 15,000 $ 85,000
Fayette, Alabama 1 $ 25,000 $ 25,000 $ 110,000
Lauderdale, Alabama 1 $ 15,000 $ 15,000 $ 132,000
Lawrence, Alabama 1 $ 25,000 $ 25,000 $ 11,000
Mobile, Alabama 1 $ 15,000 $ 15,000 $ 110,000
Pike, Alabama 1 $ 25,000 $ 25,000 $ 150,000
Yavapai, Arizona 1 $ 15,000 $ 15,000 $ 41,000
Baxter, Arkansas 1 $ 25,000 $ 25,000 $ 111,000
Crawford, Arkansas 1 $ 25,000 $ 25,000 $ 59,000
Garland, Arkansas 1 $ 15,000 $ 15,000 $ 95,000
Lafayette, Arkansas 1 $ 25,000 $ 25,000 $ 91,000
Pulaski, Arkansas 1 $ 25,000 $ 25,000 $ 45,000
Amador, California 1 $ 25,000 $ 25,000 $ 101,000
Calaveras, California 1 $ 25,000 $ 25,000 $ 111,000
Contra Costa, California 1 $ 25,000 $ 25,000 $ 126,000
El Dorado, California 1 $ 665,000 $ 665,000 $ 274,000
Humboldt, California 1 $ 25,000 $ 25,000 $ 196,000
Imperial, California 1 $ 15,000 $ 15,000 $ 114,000
Mariposa, California 1 $ 405,000 $ 405,000 $ 181,000
Nevada, California 1 $ 865,000 $ 865,000 $ 470,000
Placer, California 1 $ 595,000 $ 595,000 $ 193,000
San Francisco, California 1 $ 1,045,000 $ 1,045,000 $ 360,000
Santa Clara, California 1 $ 25,000 $ 25,000 $ 165,000
Solano, California 1 $ 25,000 $ 25,000 $ 89,000
Sonoma, California 1 $ 775,000 $ 775,000 $ 350,000
Tuolumne, California 1 $ 25,000 $ 25,000 $ 114,000
Yolo, California 1 $ 25,000 $ 25,000 $ 108,000
Arapahoe, Colorado 1 $ 25,000 $ 25,000 $ 268,000
Boulder, Colorado 1 $ 25,000 $ 25,000 $ 160,000
Denver, Colorado 1 $ 515,000 $ 515,000 $ 150,000
El Paso, Colorado 1 $ 25,000 $ 25,000 $ 195,000
Gilpin, Colorado 1 $ 25,000 $ 25,000 $ 93,000
Jefferson, Colorado 1 $ 5,000 $ 5,000 $ 190,000
Larimer, Colorado 1 $ 25,000 $ 25,000 $ 268,000
Park, Colorado 1 $ 25,000 $ 25,000 $ 174,000
Pueblo, Colorado 1 $ 15,000 $ 15,000 $ 98,000
Brevard, Florida 1 $ 25,000 $ 25,000 $ 24,000
Gilchrist, Florida 1 $ 25,000 $ 25,000 $ 188,000
Hernando, Florida 1 $ 25,000 $ 25,000 $ 105,000
Indian River, Florida 1 $ 345,000 $ 345,000 $ 171,000
Manatee, Florida 1 $ 15,000 $ 15,000 $ 132,000
Martin, Florida 1 $ 25,000 $ 25,000 $ 52,000
Okaloosa, Florida 1 $ 25,000 $ 25,000 $ 228,000
Okeechobee, Florida 1 $ 25,000 $ 25,000 $ 66,000
Suwannee, Florida 1 $ 25,000 $ 25,000 $ 35,000
Candler, Georgia 1 $ 15,000 $ 15,000 $ 47,000
Chatham, Georgia 1 $ 25,000 $ 25,000 $ 164,000
Cherokee, Georgia 1 $ 25,000 $ 25,000 $ 31,000
Coweta, Georgia 1 $ 25,000 $ 25,000 $ 320,000
Douglas, Georgia 1 $ 15,000 $ 15,000 $ 49,000
Gordon, Georgia 1 $ 215,000 $ 215,000 $ 52,000
Jackson, Georgia 1 $ 25,000 $ 25,000 $ 60,000
Liberty, Georgia 1 $ 15,000 $ 15,000 $ 117,000
Lincoln, Georgia 1 $ 15,000 $ 15,000 $ 103,000
Long, Georgia 1 $ 25,000 $ 25,000 $ 126,000
Murray, Georgia 1 $ 215,000 $ 215,000 $ 44,000
Rockdale, Georgia 1 $ 25,000 $ 25,000 $ 225,000
Terrell, Georgia 1 $ 25,000 $ 25,000 $ 53,000
Toombs, Georgia 1 $ 15,000 $ 15,000 $ 87,000
Washington, Georgia 1 $ 25,000 $ 25,000 $ 238,000
Ada, Idaho 1 $ 805,000 $ 805,000 $ 373,000
Bingham, Idaho 1 $ 875,000 $ 875,000 $ 550,000
Canyon, Idaho 1 $ 345,000 $ 345,000 $ 192,000
Kootenai, Idaho 1 $ 25,000 $ 25,000 $ 124,000
Cass, Illinois 1 $ 25,000 $ 25,000 $ 74,000
Knox, Illinois 1 $ 25,000 $ 25,000 $ 29,000
Lake, Illinois 1 $ 25,000 $ 25,000 $ 102,000
Lee, Illinois 1 $ 25,000 $ 25,000 $ 63,000
Marshall, Illinois 1 $ 25,000 $ 25,000 $ 95,000
McHenry, Illinois 1 $ 25,000 $ 25,000 $ 292,000
Montgomery, Illinois 1 $ 15,000 $ 15,000 $ 96,000
Vermilion, Illinois 1 $ 25,000 $ 25,000 $ 104,000
Winnebago, Illinois 1 $ 25,000 $ 25,000 $ 98,000
Elkhart, Indiana 1 $ 15,000 $ 15,000 $ 100,000
Hendricks, Indiana 1 $ 25,000 $ 25,000 $ 90,000
Howard, Indiana 1 $ 25,000 $ 25,000 $ 152,000
Jackson, Indiana 1 $ 15,000 $ 15,000 $ 57,000
Jasper, Indiana 1 $ 25,000 $ 25,000 $ 114,000
Knox, Indiana 1 $ 25,000 $ 25,000 $ 72,000
Kosciusko, Indiana 1 $ 25,000 $ 25,000 $ 120,000
Morgan, Indiana 1 $ 25,000 $ 25,000 $ 62,000
Sullivan, Indiana 1 $ 25,000 $ 25,000 $ 148,000
Vanderburgh, Indiana 1 $ 65,000 $ 65,000 $ 39,000
Dallas, Iowa 1 $ 425,000 $ 425,000 $ 128,000
Scott, Iowa 1 $ 25,000 $ 25,000 $ 82,000
Atchison, Kansas 1 $ 25,000 $ 25,000 $ 113,000
Cowley, Kansas 1 $ 5,000 $ 5,000 $ 37,000
Geary, Kansas 1 $ 15,000 $ 15,000 $ 60,000
Linn, Kansas 1 $ 25,000 $ 25,000 $ 233,000
Republic, Kansas 1 $ 15,000 $ 15,000 $ 43,000
Sumner, Kansas 1 $ 25,000 $ 25,000 $ 102,000
Wyandotte, Kansas 1 $ 15,000 $ 15,000 $ 62,000
Anderson, Kentucky 1 $ 25,000 $ 25,000 $ 348,000
Ballard, Kentucky 1 $ 25,000 $ 25,000 $ 128,000
Franklin, Kentucky 1 $ 25,000 $ 25,000 $ 78,000
Hardin, Kentucky 1 $ 25,000 $ 25,000 $ 43,000
Jackson, Kentucky 1 $ 15,000 $ 15,000 $ 48,000
Pike, Kentucky 1 $ 15,000 $ 15,000 $ 143,000
Acadia, Louisiana 1 $ 25,000 $ 25,000 $ 112,000
Allen, Louisiana 1 $ 25,000 $ 25,000 $ 113,000
Ascension, Louisiana 1 $ 25,000 $ 25,000 $ 127,000
Assumption, Louisiana 1 $ 25,000 $ 25,000 $ 96,000
Bossier, Louisiana 1 $ 65,000 $ 65,000 $ 106,000
De Soto, Louisiana 1 $ 25,000 $ 25,000 $ 70,000
Jackson, Louisiana 1 $ 25,000 $ 25,000 $ 144,000
Jefferson, Louisiana 1 $ 15,000 $ 15,000 $ 49,000
Jefferson Davis, Louisiana 1 $ 25,000 $ 25,000 $ 160,000
Lafourche, Louisiana 1 $ 15,000 $ 15,000 $ 164,000
Orleans, Louisiana 1 $ 15,000 $ 15,000 $ 48,000
Rapides, Louisiana 1 $ 25,000 $ 25,000 $ 180,000
St. Mary, Louisiana 1 $ 25,000 $ 25,000 $ 197,000
Tangipahoa, Louisiana 1 $ 25,000 $ 25,000 $ 159,000
Terrebonne, Louisiana 1 $ 25,000 $ 25,000 $ 70,000
West Feliciana, Louisiana 1 $ 15,000 $ 15,000 $ 119,000
Penobscot, Maine 1 $ 425,000 $ 425,000 $ 0
Cecil, Maryland 1 $ 25,000 $ 25,000 $ 54,000
Frederick, Maryland 1 $ 25,000 $ 25,000 $ 146,000
Harford, Maryland 1 $ 15,000 $ 15,000 $ 75,000
Kent, Maryland 1 $ 25,000 $ 25,000 $ 45,000
Somerset, Maryland 1 $ 25,000 $ 25,000 $ 27,000
Talbot, Maryland 1 $ 25,000 $ 25,000 $ 222,000
Worcester, Maryland 1 $ 25,000 $ 25,000 $ 430,000
Berkshire, Massachusetts 1 $ 15,000 $ 15,000 $ 135,000
Hampshire, Massachusetts 1 $ 115,000 $ 115,000 $ 163,000
Allegan, Michigan 1 $ 25,000 $ 25,000 $ 240,000
Eaton, Michigan 1 $ 25,000 $ 25,000 $ 69,000
Lapeer, Michigan 1 $ 15,000 $ 15,000 $ 98,000
Lenawee, Michigan 1 $ 25,000 $ 25,000 $ 99,000
Macomb, Michigan 1 $ 15,000 $ 15,000 $ 60,000
Manistee, Michigan 1 $ 25,000 $ 25,000 $ 189,000
Muskegon, Michigan 1 $ 25,000 $ 25,000 $ 107,000
Wayne, Michigan 1 $ 405,000 $ 405,000 $ 151,000
Dakota, Minnesota 1 $ 15,000 $ 15,000 $ 108,000
Meeker, Minnesota 1 $ 25,000 $ 25,000 $ 120,000
Ramsey, Minnesota 1 $ 25,000 $ 25,000 $ 158,000
Scott, Minnesota 1 $ 25,000 $ 25,000 $ 130,000
Adams, Mississippi 1 $ 25,000 $ 25,000 $ 94,000
Hinds, Mississippi 1 $ 25,000 $ 25,000 $ 42,000
Clinton, Missouri 1 $ 25,000 $ 25,000 $ 184,000
Jasper, Missouri 1 $ 25,000 $ 25,000 $ 162,000
Pulaski, Missouri 1 $ 15,000 $ 15,000 $ 151,000
Ray, Missouri 1 $ 15,000 $ 15,000 $ 69,000
Scott, Missouri 1 $ 25,000 $ 25,000 $ 126,000
St. Charles, Missouri 1 $ 25,000 $ 25,000 $ 312,000
Ste. Genevieve, Missouri 1 $ 25,000 $ 25,000 $ 96,000
Gage, Nebraska 1 $ 15,000 $ 15,000 $ 75,000
Jefferson, Nebraska 1 $ 25,000 $ 25,000 $ 110,000
Lancaster, Nebraska 1 $ 25,000 $ 25,000 $ 117,000
Otoe, Nebraska 1 $ 15,000 $ 15,000 $ 40,000
Platte, Nebraska 1 $ 15,000 $ 15,000 $ 83,000
Washoe, Nevada 1 $ 755,000 $ 755,000 $ 419,000
Belknap, New Hampshire 1 $ 225,000 $ 225,000 $ 184,000
Sullivan, New Hampshire 1 $ 275,000 $ 275,000 $ 68,000
Camden, New Jersey 1 $ 15,000 $ 15,000 $ 58,000
Cape May, New Jersey 1 $ 25,000 $ 25,000 $ 108,000
Hudson, New Jersey 1 $ 25,000 $ 25,000 $ 216,000
Hunterdon, New Jersey 1 $ 345,000 $ 345,000 $ 161,000
Passaic, New Jersey 1 $ 15,000 $ 15,000 $ 61,000
Salem, New Jersey 1 $ 25,000 $ 25,000 $ 219,000
Lea, New Mexico 1 $ 15,000 $ 15,000 $ 83,000
Chemung, New York 1 $ 15,000 $ 15,000 $ 64,000
Delaware, New York 1 $ 25,000 $ 25,000 $ 141,000
Greene, New York 1 $ 5,000 $ 5,000 $ 68,000
Madison, New York 1 $ 25,000 $ 25,000 $ 78,000
Oneida, New York 1 $ 25,000 $ 25,000 $ 134,000
Schoharie, New York 1 $ 15,000 $ 15,000 $ 34,000
Steuben, New York 1 $ 25,000 $ 25,000 $ 93,000
Washington, New York 1 $ 15,000 $ 15,000 $ 114,000
Wayne, New York 1 $ 25,000 $ 25,000 $ 142,000
Buncombe, North Carolina 1 $ 15,000 $ 15,000 $ 80,000
Caldwell, North Carolina 1 $ 25,000 $ 25,000 $ 37,000
Carteret, North Carolina 1 $ 15,000 $ 15,000 $ 160,000
Caswell, North Carolina 1 $ 25,000 $ 25,000 $ 123,000
Catawba, North Carolina 1 $ 15,000 $ 15,000 $ 20,000
Cherokee, North Carolina 1 $ 15,000 $ 15,000 $ 22,000
Craven, North Carolina 1 $ 25,000 $ 25,000 $ 101,000
Granville, North Carolina 1 $ 25,000 $ 25,000 $ 55,000
Guilford, North Carolina 1 $ 15,000 $ 15,000 $ 278,000
Henderson, North Carolina 1 $ 15,000 $ 15,000 $ 98,000
Hoke, North Carolina 1 $ 5,000 $ 5,000 $ 71,000
Iredell, North Carolina 1 $ 25,000 $ 25,000 $ 90,000
Jackson, North Carolina 1 $ 5,000 $ 5,000 $ 60,000
Lee, North Carolina 1 $ 25,000 $ 25,000 $ 64,000
Lenoir, North Carolina 1 $ 15,000 $ 15,000 $ 104,000
Lincoln, North Carolina 1 $ 15,000 $ 15,000 $ 76,000
Madison, North Carolina 1 $ 15,000 $ 15,000 $ 45,000
McDowell, North Carolina 1 $ 15,000 $ 15,000 $ 54,000
Montgomery, North Carolina 1 $ 15,000 $ 15,000 $ 69,000
Moore, North Carolina 1 $ 15,000 $ 15,000 $ 130,000
New Hanover, North Carolina 1 $ 25,000 $ 25,000 $ 68,000
Pitt, North Carolina 1 $ 25,000 $ 25,000 $ 50,000
Polk, North Carolina 1 $ 25,000 $ 25,000 $ 120,000
Richmond, North Carolina 1 $ 25,000 $ 25,000 $ 161,000
Scotland, North Carolina 1 $ 25,000 $ 25,000 $ 72,000
Stanly, North Carolina 1 $ 15,000 $ 15,000 $ 114,000
Surry, North Carolina 1 $ 25,000 $ 25,000 $ 58,000
Transylvania, North Carolina 1 $ 25,000 $ 25,000 $ 360,000
Wayne, North Carolina 1 $ 25,000 $ 25,000 $ 89,000
Ramsey, North Dakota 1 $ 15,000 $ 15,000 $ 106,000
Belmont, Ohio 1 $ 25,000 $ 25,000 $ 83,000
Butler, Ohio 1 $ 15,000 $ 15,000 $ 48,000
Champaign, Ohio 1 $ 25,000 $ 25,000 $ 95,000
Darke, Ohio 1 $ 15,000 $ 15,000 $ 60,000
Hamilton, Ohio 1 $ 835,000 $ 835,000 $ 315,000
Henry, Ohio 1 $ 25,000 $ 25,000 $ 111,000
Jefferson, Ohio 1 $ 55,000 $ 55,000 $ 185,000
Lorain, Ohio 1 $ 25,000 $ 25,000 $ 200,000
Mahoning, Ohio 1 $ 25,000 $ 25,000 $ 9,000
Perry, Ohio 1 $ 5,000 $ 5,000 $ 105,000
Seneca, Ohio 1 $ 25,000 $ 25,000 $ 73,000
Trumbull, Ohio 1 $ 25,000 $ 25,000 $ 30,000
Tuscarawas, Ohio 1 $ 25,000 $ 25,000 $ 64,000
Canadian, Oklahoma 1 $ 25,000 $ 25,000 $ 188,000
Craig, Oklahoma 1 $ 25,000 $ 25,000 $ 80,000
Muskogee, Oklahoma 1 $ 15,000 $ 15,000 $ 190,000
Ottawa, Oklahoma 1 $ 15,000 $ 15,000 $ 60,000
Pawnee, Oklahoma 1 $ 15,000 $ 15,000 $ 114,000
Woods, Oklahoma 1 $ 25,000 $ 25,000 $ 98,000
Crook, Oregon 1 $ 25,000 $ 25,000 $ 203,000
Beaver, Pennsylvania 1 $ 25,000 $ 25,000 $ 360,000
Butler, Pennsylvania 1 $ 25,000 $ 25,000 $ 73,000
Carbon, Pennsylvania 1 $ 15,000 $ 15,000 $ 85,000
Centre, Pennsylvania 1 $ 25,000 $ 25,000 $ 183,000
Chester, Pennsylvania 1 $ 25,000 $ 25,000 $ 178,000
Delaware, Pennsylvania 1 $ 15,000 $ 15,000 $ 119,000
Erie, Pennsylvania 1 $ 25,000 $ 25,000 $ 76,000
Lackawanna, Pennsylvania 1 $ 25,000 $ 25,000 $ 55,000
Lawrence, Pennsylvania 1 $ 25,000 $ 25,000 $ 82,000
Lehigh, Pennsylvania 1 $ 25,000 $ 25,000 $ 67,000
Luzerne, Pennsylvania 1 $ 125,000 $ 125,000 $ 195,000
Mercer, Pennsylvania 1 $ 25,000 $ 25,000 $ 221,000
Montgomery, Pennsylvania 1 $ 15,000 $ 15,000 $ 86,000
Tioga, Pennsylvania 1 $ 25,000 $ 25,000 $ 50,000
Aiken, South Carolina 1 $ 15,000 $ 15,000 $ 55,000
Dorchester, South Carolina 1 $ 15,000 $ 15,000 $ 173,000
Georgetown, South Carolina 1 $ 15,000 $ 15,000 $ 69,000
Greenville, South Carolina 1 $ 5,000 $ 5,000 $ 55,000
Horry, South Carolina 1 $ 15,000 $ 15,000 $ 68,000
Laurens, South Carolina 1 $ 25,000 $ 25,000 $ 58,000
Marlboro, South Carolina 1 $ 25,000 $ 25,000 $ 135,000
Orangeburg, South Carolina 1 $ 25,000 $ 25,000 $ 330,000
Pickens, South Carolina 1 $ 15,000 $ 15,000 $ 61,000
Williamsburg, South Carolina 1 $ 25,000 $ 25,000 $ 32,000
York, South Carolina 1 $ 15,000 $ 15,000 $ 62,000
Lincoln, South Dakota 1 $ 25,000 $ 25,000 $ 56,000
Blount, Tennessee 1 $ 25,000 $ 25,000 $ 126,000
Cannon, Tennessee 1 $ 25,000 $ 25,000 $ 36,000
Carroll, Tennessee 1 $ 15,000 $ 15,000 $ 54,000
Cocke, Tennessee 1 $ 25,000 $ 25,000 $ 71,000
Davidson, Tennessee 1 $ 535,000 $ 535,000 $ 132,000
Giles, Tennessee 1 $ 15,000 $ 15,000 $ 54,000
Meigs, Tennessee 1 $ 25,000 $ 25,000 $ 92,000
Monroe, Tennessee 1 $ 25,000 $ 25,000 $ 144,000
Montgomery, Tennessee 1 $ 25,000 $ 25,000 $ 24,000
Obion, Tennessee 1 $ 15,000 $ 15,000 $ 0
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Mortgage Loan Application Detail Totals for Shoreham Bank in 2024

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 1,167 $26,225,000 $22,000 $145,000 $118,000 $700,000
Home Purchase 353 $163,365,000 $462,000 $2,885,000 $179,000 $1,564,000
Cash-out Refinancing 60 $13,220,000 $220,000 $725,000 $137,000 $679,000
Other Purpose 59 $6,775,000 $114,000 $405,000 $193,000 $665,000
Refinancing 41 $13,465,000 $328,000 $665,000 $103,000 $351,000
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 1,270 $177,940,000 $140,000 $2,885,000 $134,000 $1,564,000
Hispanic 141 $19,755,000 $140,000 $935,000 $121,000 $368,000
Black or African American 125 $8,275,000 $66,000 $665,000 $116,000 $700,000
Not Provided 107 $4,635,000 $43,000 $925,000 $139,000 $589,000
Asian 32 $12,330,000 $385,000 $1,125,000 $251,000 $663,000
American Indian or Alaskan Native 5 $115,000 $23,000 $25,000 $130,000 $171,000
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) 1,242 $57,330,000 $46,000 $815,000 $118,000 $700,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 423 $158,935,000 $375,000 $2,885,000 $182,000 $1,564,000
VA-guaranteed (Veterans Administration) 15 $6,785,000 $452,000 $705,000 $128,000 $200,000
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 725 $156,175,000 $215,000 $2,885,000 $155,000 $1,564,000
Application Denied By Financial Institution 482 $22,970,000 $47,000 $1,045,000 $100,000 $589,000
Application Withdrawn By Applicant 460 $40,240,000 $87,000 $1,525,000 $136,000 $1,075,000
Application Approved But Not Accepted 10 $3,230,000 $323,000 $635,000 $175,000 $351,000
File Closed For Incompleteness 3 $435,000 $145,000 $305,000 $157,000 $196,000
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 1,198 $200,080,000 $167,000 $2,885,000 $148,000 $1,564,000
Debt-To-Income Ratio 262 $10,020,000 $38,000 $725,000 $93,000 $585,000
Credit History 179 $5,645,000 $31,000 $975,000 $100,000 $398,000
Collateral 23 $3,215,000 $139,000 $1,015,000 $139,000 $367,000
Other 14 $3,230,000 $230,000 $1,045,000 $160,000 $589,000
Insufficient Cash (Downpayment, Closing Cost) 2 $190,000 $95,000 $155,000 $96,000 $110,000
Unverifiable Information 1 $25,000 $25,000 $25,000 $240,000 $240,000
Employment History 1 $645,000 $645,000 $645,000 $162,000 $162,000
Credit Application Incomplete 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 2024 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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