Shoreham Bank Mortgage Lending & HMDA Data, 2012
In 2012, Shoreham Bank of Warwick, RI reported 4,506 mortgage applications totaling $200.1 million, up 259% from 2011. The average application was for $44,416, and applicants reported an average income of $71,264. 31% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Providence-New Bedford-Fall River, RI-MA (560), Warren-Troy-Farmington Hills, MI (146) and Chicago-Joliet-Naperville, IL (127) (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 | 4,506 |
| Total Mortgage Loan Application Amount | $200,143,000 |
| Average Mortgage Loan Application Amount | $44,416 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $71,264 |
| Highest Applicant Income | $588,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence-New Bedford-Fall River, RI-MA | 560 | $ 79,131,000 | $ 141,305 | $ 84,321 |
| Warren-Troy-Farmington Hills, MI | 146 | $ 1,394,000 | $ 9,547 | $ 59,000 |
| Chicago-Joliet-Naperville, IL | 127 | $ 2,386,000 | $ 18,787 | $ 96,000 |
| Buffalo-Niagara Falls, NY | 114 | $ 1,031,000 | $ 9,043 | $ 50,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 95 | $ 665,000 | $ 7,000 | $ 61,000 |
| Phoenix-Mesa-Glendale, AZ | 91 | $ 2,116,000 | $ 23,252 | $ 79,000 |
| New York-White Plains-Wayne, NY-NJ | 81 | $ 4,297,000 | $ 53,049 | $ 103,950 |
| Tampa-St. Petersburg-Clearwater, FL | 79 | $ 903,000 | $ 11,430 | $ 59,000 |
| Kansas City, MO-KS | 78 | $ 1,441,000 | $ 18,474 | $ 82,807 |
| Cambridge-Newton-Framingham, MA | 69 | $ 13,776,000 | $ 199,652 | $ 97,000 |
| Boston-Quincy, MA | 65 | $ 11,755,000 | $ 180,846 | $ 92,000 |
| Detroit-Livonia-Dearborn, MI | 58 | $ 450,000 | $ 7,758 | $ 48,000 |
| Pittsburgh, PA | 58 | $ 812,000 | $ 14,000 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 50 | $ 773,000 | $ 15,460 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 50 | $ 827,000 | $ 16,540 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 49 | $ 1,119,000 | $ 22,836 | $ 66,000 |
| Raleigh-Cary, NC | 49 | $ 376,000 | $ 7,673 | $ 49,000 |
| Nassau-Suffolk, NY | 43 | $ 5,291,000 | $ 123,046 | $ 118,000 |
| Denver-Aurora-Broomfield, CO | 42 | $ 799,000 | $ 19,023 | $ 83,000 |
| Philadelphia, PA | 42 | $ 955,000 | $ 22,738 | $ 64,000 |
| Syracuse, NY | 42 | $ 558,000 | $ 13,285 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 41 | $ 787,000 | $ 19,195 | $ 89,000 |
| Rochester, NY | 41 | $ 480,000 | $ 11,707 | $ 46,000 |
| Cleveland-Elyria-Mentor, OH | 39 | $ 559,000 | $ 14,333 | $ 57,000 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 1,647,000 | $ 43,342 | $ 104,000 |
| Omaha-Council Bluffs, NE-IA | 38 | $ 607,000 | $ 15,973 | $ 65,368 |
| Peabody, MA | 32 | $ 3,608,000 | $ 112,750 | $ 83,000 |
| Orlando-Kissimmee-Sanford, FL | 31 | $ 519,000 | $ 16,741 | $ 62,000 |
| Worcester, MA | 31 | $ 4,346,000 | $ 140,193 | $ 73,000 |
| Atlanta-Sandy Springs-Marietta, GA | 30 | $ 674,000 | $ 22,466 | $ 55,000 |
| Little Rock-North Little Rock-Conway, AR | 30 | $ 403,000 | $ 13,433 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 30 | $ 1,092,000 | $ 36,400 | $ 93,000 |
| Springfield, MA | 30 | $ 551,000 | $ 18,366 | $ 62,000 |
| Manchester-Nashua, NH | 29 | $ 5,441,000 | $ 187,620 | $ 92,000 |
| Newark-Union, NJ-PA | 29 | $ 1,017,000 | $ 35,068 | $ 91,896 |
| Camden, NJ | 28 | $ 571,000 | $ 20,392 | $ 98,000 |
| Jacksonville, FL | 26 | $ 405,000 | $ 15,576 | $ 42,000 |
| Columbus, OH | 25 | $ 358,000 | $ 14,320 | $ 61,000 |
| Lake County-Kenosha County, IL-WI | 24 | $ 497,000 | $ 20,708 | $ 112,500 |
| Durham-Chapel Hill, NC | 23 | $ 180,000 | $ 7,826 | $ 52,000 |
| Rockingham County-Strafford County, NH | 23 | $ 4,767,000 | $ 207,260 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 432,000 | $ 18,782 | $ 134,000 |
| Baltimore-Towson, MD | 22 | $ 1,110,000 | $ 50,454 | $ 82,000 |
| Edison-New Brunswick, NJ | 22 | $ 826,000 | $ 37,545 | $ 92,000 |
| Greensboro-High Point, NC | 22 | $ 400,000 | $ 18,181 | $ 54,000 |
| Cincinnati-Middletown, OH-KY-IN | 21 | $ 315,000 | $ 15,000 | $ 59,285 |
| Las Vegas-Paradise, NV | 20 | $ 457,000 | $ 22,850 | $ 83,000 |
| Peoria, IL | 20 | $ 245,000 | $ 12,250 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 19 | $ 285,000 | $ 15,000 | $ 56,315 |
| Scranton--Wilkes-Barre, PA | 19 | $ 308,000 | $ 16,210 | $ 66,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 18 | $ 329,000 | $ 18,277 | $ 57,666 |
| Wichita, KS | 18 | $ 361,000 | $ 20,055 | $ 68,000 |
| Gary, IN | 17 | $ 200,000 | $ 11,764 | $ 64,000 |
| Norwich-New London, CT | 17 | $ 299,000 | $ 17,588 | $ 71,000 |
| Toledo, OH | 17 | $ 233,000 | $ 13,705 | $ 52,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 378,000 | $ 23,625 | $ 109,250 |
| St. Louis, MO-IL | 15 | $ 472,000 | $ 31,466 | $ 72,000 |
| Green Bay, WI | 14 | $ 111,000 | $ 7,928 | $ 56,000 |
| Kingston, NY | 14 | $ 127,000 | $ 9,071 | $ 47,000 |
| Lakeland-Winter Haven, FL | 14 | $ 170,000 | $ 12,142 | $ 57,000 |
| Madison, WI | 14 | $ 163,000 | $ 11,642 | $ 88,000 |
| Tacoma, WA | 14 | $ 228,000 | $ 16,285 | $ 63,000 |
| Topeka, KS | 13 | $ 194,000 | $ 14,923 | $ 62,000 |
| Visalia-Porterville, CA | 13 | $ 254,000 | $ 19,538 | $ 62,000 |
| Akron, OH | 12 | $ 146,000 | $ 12,166 | $ 52,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 259,000 | $ 21,583 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 12 | $ 348,000 | $ 29,000 | $ 70,000 |
| Tucson, AZ | 12 | $ 264,000 | $ 22,000 | $ 60,000 |
| Utica-Rome, NY | 12 | $ 321,000 | $ 26,750 | $ 78,000 |
| Lincoln, NE | 11 | $ 145,000 | $ 13,181 | $ 67,000 |
| North Port-Bradenton-Sarasota, FL | 11 | $ 104,000 | $ 9,454 | $ 57,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 11 | $ 255,000 | $ 23,181 | $ 94,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 282,000 | $ 28,200 | $ 49,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 736,000 | $ 73,600 | $ 95,000 |
| Clarksville, TN-KY | 10 | $ 266,000 | $ 26,600 | $ 85,000 |
| Fond Du Lac, WI | 10 | $ 146,000 | $ 14,600 | $ 38,000 |
| Indianapolis-Carmel, IN | 10 | $ 108,000 | $ 10,800 | $ 63,000 |
| Spokane, WA | 10 | $ 192,000 | $ 19,200 | $ 52,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 176,000 | $ 17,600 | $ 41,600 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 73,000 | $ 8,111 | $ 38,000 |
| Columbia, MO | 9 | $ 142,000 | $ 15,777 | $ 87,000 |
| New Haven-Milford, CT | 9 | $ 112,000 | $ 12,444 | $ 100,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 112,000 | $ 12,444 | $ 70,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 238,000 | $ 26,444 | $ 77,000 |
| Lansing-East Lansing, MI | 8 | $ 99,000 | $ 12,375 | $ 49,000 |
| Portland-South Portland-Biddeford, ME | 8 | $ 452,000 | $ 56,500 | $ 87,000 |
| Rocky Mount, NC | 8 | $ 66,000 | $ 8,250 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 133,000 | $ 16,625 | $ 93,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 68,000 | $ 9,714 | $ 55,142 |
| Bangor, ME | 7 | $ 93,000 | $ 13,285 | $ 65,000 |
| Birmingham-Hoover, AL | 7 | $ 86,000 | $ 12,285 | $ 59,000 |
| Fort Smith, AR-OK | 7 | $ 122,000 | $ 17,428 | $ 55,000 |
| Fort Worth-Arlington, TX | 7 | $ 54,000 | $ 7,714 | $ 54,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 103,000 | $ 14,714 | $ 51,000 |
| Racine, WI | 7 | $ 127,000 | $ 18,142 | $ 53,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 239,000 | $ 34,142 | $ 116,000 |
| Williamsport, PA | 7 | $ 111,000 | $ 15,857 | $ 66,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 151,000 | $ 25,166 | $ 63,666 |
| Barnstable Town, MA | 6 | $ 1,352,000 | $ 225,333 | $ 140,000 |
| Bloomington-Normal, IL | 6 | $ 75,000 | $ 12,500 | $ 60,000 |
| Coeur D'Alene, ID | 6 | $ 120,000 | $ 20,000 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 86,000 | $ 14,333 | $ 68,000 |
| Fayetteville, NC | 6 | $ 59,000 | $ 9,833 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 69,000 | $ 11,500 | $ 45,000 |
| Manhattan, KS | 6 | $ 85,000 | $ 14,166 | $ 103,000 |
| Tallahassee, FL | 6 | $ 84,000 | $ 14,000 | $ 49,000 |
| Canton-Massillon, OH | 5 | $ 74,000 | $ 14,800 | $ 47,000 |
| Grand Forks, ND-MN | 5 | $ 79,000 | $ 15,800 | $ 89,000 |
| Kalamazoo-Portage, MI | 5 | $ 67,000 | $ 13,400 | $ 48,000 |
| Kennewick-Pasco-Richland, WA | 5 | $ 99,000 | $ 19,800 | $ 72,000 |
| Lafayette, LA | 5 | $ 57,000 | $ 11,400 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 81,000 | $ 16,200 | $ 110,000 |
| Richmond, VA | 5 | $ 205,000 | $ 41,000 | $ 85,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 100,000 | $ 20,000 | $ 87,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 90,000 | $ 18,000 | $ 59,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 98,000 | $ 19,600 | $ 107,000 |
| Sheboygan, WI | 5 | $ 98,000 | $ 19,600 | $ 57,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 69,000 | $ 13,800 | $ 55,000 |
| Springfield, IL | 5 | $ 47,000 | $ 9,400 | $ 65,000 |
| Trenton-Ewing, NJ | 5 | $ 104,000 | $ 20,800 | $ 92,000 |
| Appleton, WI | 4 | $ 33,000 | $ 8,250 | $ 46,000 |
| Baton Rouge, LA | 4 | $ 46,000 | $ 11,500 | $ 22,000 |
| Bethesda-Rockville-Frederick, MD | 4 | $ 79,000 | $ 19,750 | $ 127,000 |
| Billings, MT | 4 | $ 86,000 | $ 21,500 | $ 66,000 |
| Champaign-Urbana, IL | 4 | $ 90,000 | $ 22,500 | $ 71,000 |
| Fargo, ND-MN | 4 | $ 59,000 | $ 14,750 | $ 48,250 |
| Greeley, CO | 4 | $ 100,000 | $ 25,000 | $ 87,000 |
| Jacksonville, NC | 4 | $ 27,000 | $ 6,750 | $ 30,000 |
| Jefferson City, MO | 4 | $ 50,000 | $ 12,500 | $ 45,000 |
| Monroe, MI | 4 | $ 23,000 | $ 5,750 | $ 55,000 |
| Niles-Benton Harbor, MI | 4 | $ 71,000 | $ 17,750 | $ 57,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 57,000 | $ 14,250 | $ 48,000 |
| Pine Bluff, AR | 4 | $ 30,000 | $ 7,500 | $ 30,000 |
| Port St. Lucie, FL | 4 | $ 469,000 | $ 117,250 | $ 93,000 |
| Rockford, IL | 4 | $ 85,000 | $ 21,250 | $ 89,000 |
| St. Cloud, MN | 4 | $ 36,000 | $ 9,000 | $ 59,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 119,000 | $ 29,750 | $ 28,000 |
| Winchester, VA-WV | 4 | $ 66,000 | $ 16,500 | $ 66,750 |
| Yakima, WA | 4 | $ 85,000 | $ 21,250 | $ 63,000 |
| Binghamton, NY | 3 | $ 39,000 | $ 13,000 | $ 61,000 |
| Bremerton-Silverdale, WA | 3 | $ 36,000 | $ 12,000 | $ 89,000 |
| Burlington, NC | 3 | $ 22,000 | $ 7,333 | $ 27,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 541,000 | $ 180,333 | $ 119,000 |
| Dayton, OH | 3 | $ 37,000 | $ 12,333 | $ 39,000 |
| Des Moines-West Des Moines, IA | 3 | $ 49,000 | $ 16,333 | $ 78,000 |
| Elkhart-Goshen, IN | 3 | $ 60,000 | $ 20,000 | $ 47,000 |
| Erie, PA | 3 | $ 40,000 | $ 13,333 | $ 79,000 |
| Flint, MI | 3 | $ 61,000 | $ 20,333 | $ 61,000 |
| Fresno, CA | 3 | $ 71,000 | $ 23,666 | $ 76,000 |
| Goldsboro, NC | 3 | $ 19,000 | $ 6,333 | $ 34,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 41,000 | $ 13,666 | $ 67,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 22,000 | $ 7,333 | $ 37,000 |
| Harrisburg-Carlisle, PA | 3 | $ 50,000 | $ 16,666 | $ 66,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 20,000 | $ 6,666 | $ 114,000 |
| Jackson, MS | 3 | $ 53,000 | $ 17,666 | $ 45,000 |
| Lima, OH | 3 | $ 70,000 | $ 23,333 | $ 61,000 |
| Memphis, TN-MS-AR | 3 | $ 38,000 | $ 12,666 | $ 40,333 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 44,000 | $ 14,666 | $ 54,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 50,000 | $ 16,666 | $ 82,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 273,000 | $ 91,000 | $ 208,000 |
| Reno-Sparks, NV | 3 | $ 39,000 | $ 13,000 | $ 91,000 |
| Salem, OR | 3 | $ 24,000 | $ 8,000 | $ 63,000 |
| Shreveport-Bossier City, LA | 3 | $ 36,000 | $ 12,000 | $ 62,000 |
| Sioux Falls, SD | 3 | $ 42,000 | $ 14,000 | $ 96,000 |
| St. Joseph, MO-KS | 3 | $ 41,000 | $ 13,666 | $ 27,000 |
| Tulsa, OK | 3 | $ 42,000 | $ 14,000 | $ 58,000 |
| Wilmington, NC | 3 | $ 24,000 | $ 8,000 | $ 19,000 |
| Winston-Salem, NC | 3 | $ 37,000 | $ 12,333 | $ 56,000 |
| York-Hanover, PA | 3 | $ 46,000 | $ 15,333 | $ 58,000 |
| Albuquerque, NM | 2 | $ 46,000 | $ 23,000 | $ 54,000 |
| Alexandria, LA | 2 | $ 36,000 | $ 18,000 | $ 53,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 29,000 | $ 14,500 | $ 77,000 |
| Battle Creek, MI | 2 | $ 35,000 | $ 17,500 | $ 69,000 |
| Cedar Rapids, IA | 2 | $ 33,000 | $ 16,500 | $ 34,000 |
| Cheyenne, WY | 2 | $ 24,000 | $ 12,000 | $ 55,000 |
| Colorado Springs, CO | 2 | $ 37,000 | $ 18,500 | $ 170,000 |
| Dallas-Plano-Irving, TX | 2 | $ 16,000 | $ 8,000 | $ 94,000 |
| Duluth, MN-WI | 2 | $ 25,000 | $ 12,500 | $ 48,500 |
| Eugene-Springfield, OR | 2 | $ 50,000 | $ 25,000 | $ 229,000 |
| Gadsden, AL | 2 | $ 32,000 | $ 16,000 | $ 32,000 |
| Ithaca, NY | 2 | $ 32,000 | $ 16,000 | $ 51,000 |
| Jackson, MI | 2 | $ 30,000 | $ 15,000 | $ 44,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 35,000 | $ 17,500 | $ 54,000 |
| Lancaster, PA | 2 | $ 45,000 | $ 22,500 | $ 90,000 |
| Lewiston-Auburn, ME | 2 | $ 50,000 | $ 25,000 | $ 60,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 32,000 | $ 16,000 | $ 56,000 |
| Lubbock, TX | 2 | $ 16,000 | $ 8,000 | $ 30,000 |
| Naples-Marco Island, FL | 2 | $ 212,000 | $ 106,000 | $ 88,000 |
| Ocala, FL | 2 | $ 19,000 | $ 9,500 | $ 40,000 |
| Olympia, WA | 2 | $ 40,000 | $ 20,000 | $ 71,000 |
| Oshkosh-Neenah, WI | 2 | $ 10,000 | $ 5,000 | $ 47,000 |
| Provo-Orem, UT | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 50,000 | $ 25,000 | $ 174,000 |
| Savannah, GA | 2 | $ 356,000 | $ 178,000 | $ 114,000 |
| Spartanburg, SC | 2 | $ 10,000 | $ 5,000 | $ 18,000 |
| Tuscaloosa, AL | 2 | $ 16,000 | $ 8,000 | $ 42,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 40,000 | $ 20,000 | $ 61,000 |
| Ames, IA | 1 | $ 17,000 | $ 17,000 | $ 111,000 |
| Anderson, IN | 1 | $ 8,000 | $ 8,000 | $ 112,000 |
| Anderson, SC | 1 | $ 9,000 | $ 9,000 | $ 120,000 |
| Ann Arbor, MI | 1 | $ 6,000 | $ 6,000 | $ 96,000 |
| Asheville, NC | 1 | $ 13,000 | $ 13,000 | $ 38,000 |
| Bellingham, WA | 1 | $ 23,000 | $ 23,000 | $ 80,000 |
| Bismarck, ND | 1 | $ 8,000 | $ 8,000 | $ 74,000 |
| Bloomington, IN | 1 | $ 29,000 | $ 29,000 | $ 11,000 |
| Brunswick, GA | 1 | $ 17,000 | $ 17,000 | $ 87,000 |
| Chattanooga, TN-GA | 1 | $ 21,000 | $ 21,000 | $ 67,000 |
| Columbia, SC | 1 | $ 12,000 | $ 12,000 | $ 63,000 |
| Columbus, GA-AL | 1 | $ 8,000 | $ 8,000 | $ 50,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 8,000 | $ 8,000 | $ 47,000 |
| Cumberland, MD-WV | 1 | $ 11,000 | $ 11,000 | $ 53,000 |
| Danville, VA | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Decatur, AL | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Eau Claire, WI | 1 | $ 13,000 | $ 13,000 | $ 55,000 |
| Elmira, NY | 1 | $ 7,000 | $ 7,000 | $ 35,000 |
| Flagstaff, AZ | 1 | $ 13,000 | $ 13,000 | $ 113,000 |
| Florence, SC | 1 | $ 8,000 | $ 8,000 | $ 13,000 |
| Fort Collins-Loveland, CO | 1 | $ 12,000 | $ 12,000 | $ 73,000 |
| Gainesville, FL | 1 | $ 7,000 | $ 7,000 | $ 9,000 |
| Glens Falls, NY | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Great Falls, MT | 1 | $ 19,000 | $ 19,000 | $ 65,000 |
| Hot Springs, AR | 1 | $ 6,000 | $ 6,000 | $ 19,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Jackson, TN | 1 | $ 3,000 | $ 3,000 | $ 37,000 |
| Janesville, WI | 1 | $ 5,000 | $ 5,000 | $ 34,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Kokomo, IN | 1 | $ 11,000 | $ 11,000 | $ 101,000 |
| Las Cruces, NM | 1 | $ 6,000 | $ 6,000 | $ 11,000 |
| Lawrence, KS | 1 | $ 8,000 | $ 8,000 | $ 71,000 |
| Lawton, OK | 1 | $ 10,000 | $ 10,000 | $ 14,000 |
| Longview, WA | 1 | $ 19,000 | $ 19,000 | $ 67,000 |
| Lynchburg, VA | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Montgomery, AL | 1 | $ 6,000 | $ 6,000 | $ 56,000 |
| Morgantown, WV | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| Morristown, TN | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Muskegon-Norton Shores, MI | 1 | $ 21,000 | $ 21,000 | $ 47,000 |
| Napa, CA | 1 | $ 349,000 | $ 349,000 | $ 68,000 |
| Ocean City, NJ | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Oklahoma City, OK | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Pittsfield, MA | 1 | $ 12,000 | $ 12,000 | $ 12,000 |
| Prescott, AZ | 1 | $ 250,000 | $ 250,000 | $ 36,000 |
| Punta Gorda, FL | 1 | $ 11,000 | $ 11,000 | $ 37,000 |
| Roanoke, VA | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Salinas, CA | 1 | $ 23,000 | $ 23,000 | $ 88,000 |
| Salt Lake City, UT | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 18,000 | $ 18,000 | $ 26,000 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 190,000 |
| Sherman-Denison, TX | 1 | $ 8,000 | $ 8,000 | $ 109,000 |
| Sioux City, IA-NE-SD | 1 | $ 22,000 | $ 22,000 | $ 133,000 |
| Springfield, OH | 1 | $ 9,000 | $ 9,000 | $ 73,000 |
| Tyler, TX | 1 | $ 8,000 | $ 8,000 | $ 34,000 |
| Waco, TX | 1 | $ 25,000 | $ 25,000 | $ 189,000 |
| Warner Robins, GA | 1 | $ 25,000 | $ 25,000 | $ 197,000 |
| Wausau, WI | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Wilmington, DE-MD-NJ | 1 | $ 6,000 | $ 6,000 | $ 16,000 |
| Yuba City, CA | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2012
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 | 3,811 | $53,752,000 | $14,000 | $133,000 | $68,000 | $500,000 |
| Refinancing | 498 | $110,697,000 | $222,000 | $855,000 | $92,000 | $572,000 |
| Home Purchase | 197 | $35,694,000 | $181,000 | $466,000 | $82,000 | $588,000 |
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 | 3,734 | $164,473,000 | $44,000 | $855,000 | $71,000 | $572,000 |
| Black or African American | 339 | $8,538,000 | $25,000 | $366,000 | $61,000 | $297,000 |
| Hispanic | 294 | $9,027,000 | $30,000 | $376,000 | $71,000 | $296,000 |
| Not Provided | 73 | $11,635,000 | $159,000 | $479,000 | $91,000 | $588,000 |
| Asian | 52 | $6,144,000 | $118,000 | $406,000 | $82,000 | $274,000 |
| American Indian or Alaskan Native | 8 | $225,000 | $28,000 | $84,000 | $60,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $101,000 | $16,000 | $25,000 | $76,000 | $116,000 |
| 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) | 3,979 | $87,282,000 | $21,000 | $702,000 | $67,000 | $500,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 504 | $108,034,000 | $214,000 | $855,000 | $102,000 | $588,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,356,000 | $217,000 | $307,000 | $47,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $471,000 | $157,000 | $194,000 | $71,000 | $78,000 |
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 | 1,769 | $51,861,000 | $29,000 | $465,000 | $57,000 | $588,000 |
| Loan Originated | 1,394 | $98,413,000 | $70,000 | $480,000 | $85,000 | $441,000 |
| Application Withdrawn By Applicant | 1,219 | $24,100,000 | $19,000 | $702,000 | $73,000 | $405,000 |
| Application Approved But Not Accepted | 105 | $22,784,000 | $216,000 | $855,000 | $101,000 | $572,000 |
| File Closed For Incompleteness | 19 | $2,985,000 | $157,000 | $405,000 | $62,000 | $168,000 |
| 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 | 1,429 | $28,916,000 | $20,000 | $425,000 | $55,000 | $355,000 |
| Debt-To-Income Ratio | 268 | $11,578,000 | $43,000 | $405,000 | $57,000 | $500,000 |
| Collateral | 43 | $8,305,000 | $193,000 | $465,000 | $129,000 | $492,000 |
| Other | 12 | $1,104,000 | $92,000 | $351,000 | $113,000 | $588,000 |
| Unverifiable Information | 5 | $512,000 | $102,000 | $262,000 | $118,000 | $190,000 |
| Employment History | 5 | $524,000 | $104,000 | $235,000 | $41,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $571,000 | $114,000 | $219,000 | $40,000 | $100,000 |
| Mortgage Insurance Denied | 1 | $121,000 | $121,000 | $121,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 1 | $230,000 | $230,000 | $230,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2012 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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