Shoreham Bank Mortgage Lending & HMDA Data, 2016
In 2016, Shoreham Bank of Warwick, RI reported 5,268 mortgage applications totaling $295.3 million, down 6% from 2015. The average application was for $56,052, and applicants reported an average income of $77,332. 35% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Providence-Warwick, RI-MA (826), Cambridge-Newton-Framingham, MA (170) and New York-Jersey City-White Plains, NY-NJ (111) (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 | 5,268 |
| Total Mortgage Loan Application Amount | $295,284,000 |
| Average Mortgage Loan Application Amount | $56,052 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $77,332 |
| Highest Applicant Income | $808,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Warwick, RI-MA | 826 | $ 145,412,000 | $ 176,043 | $ 95,520 |
| Cambridge-Newton-Framingham, MA | 170 | $ 35,737,000 | $ 210,217 | $ 86,000 |
| New York-Jersey City-White Plains, NY-NJ | 111 | $ 3,115,000 | $ 28,063 | $ 113,432 |
| Boston, MA | 105 | $ 15,345,000 | $ 146,142 | $ 95,000 |
| Kansas City, MO-KS | 101 | $ 1,664,000 | $ 16,475 | $ 75,019 |
| Atlanta-Sandy Springs-Roswell, GA | 94 | $ 1,518,000 | $ 16,148 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 92 | $ 1,262,000 | $ 13,717 | $ 64,000 |
| Chicago-Naperville-Arlington Heights, IL | 89 | $ 1,614,000 | $ 18,134 | $ 94,000 |
| Milwaukee-Waukesha-West Allis, WI | 82 | $ 1,545,000 | $ 18,841 | $ 68,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 68 | $ 1,171,000 | $ 17,220 | $ 69,000 |
| Orlando-Kissimmee-Sanford, FL | 67 | $ 1,639,000 | $ 24,462 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 66 | $ 1,235,000 | $ 18,712 | $ 76,000 |
| Los Angeles-Long Beach-Glendale, CA | 56 | $ 1,164,000 | $ 20,785 | $ 105,000 |
| Phoenix-Mesa-Scottsdale, AZ | 53 | $ 1,201,000 | $ 22,660 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 51 | $ 1,017,000 | $ 19,941 | $ 117,215 |
| Detroit-Dearborn-Livonia, MI | 48 | $ 600,000 | $ 12,500 | $ 52,000 |
| Houston-The Woodlands-Sugar Land, TX | 48 | $ 608,000 | $ 12,666 | $ 76,000 |
| Rockingham County-Strafford County, NH | 46 | $ 11,048,000 | $ 240,173 | $ 116,000 |
| Rochester, NY | 45 | $ 732,000 | $ 16,266 | $ 68,000 |
| St. Louis, MO-IL | 43 | $ 725,000 | $ 16,860 | $ 80,581 |
| Nassau County-Suffolk County, NY | 41 | $ 745,000 | $ 18,170 | $ 99,000 |
| Omaha-Council Bluffs, NE-IA | 40 | $ 622,000 | $ 15,550 | $ 71,800 |
| Denver-Aurora-Lakewood, CO | 37 | $ 635,000 | $ 17,162 | $ 93,000 |
| Little Rock-North Little Rock-Conway, AR | 34 | $ 380,000 | $ 11,176 | $ 62,000 |
| Worcester, MA-CT | 34 | $ 3,667,000 | $ 107,852 | $ 100,588 |
| Baltimore-Columbia-Towson, MD | 32 | $ 926,000 | $ 28,937 | $ 104,000 |
| Toledo, OH | 31 | $ 459,000 | $ 14,806 | $ 65,000 |
| Hartford-West Hartford-East Hartford, CT | 30 | $ 1,401,000 | $ 46,700 | $ 100,000 |
| Dallas-Plano-Irving, TX | 29 | $ 467,000 | $ 16,103 | $ 104,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 940,000 | $ 32,413 | $ 65,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 805,000 | $ 27,758 | $ 74,655 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 514,000 | $ 18,357 | $ 78,000 |
| Manchester-Nashua, NH | 28 | $ 5,044,000 | $ 180,142 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 27 | $ 557,000 | $ 20,629 | $ 80,000 |
| Clarksville, TN-KY | 26 | $ 462,000 | $ 17,769 | $ 79,000 |
| Gary, IN | 26 | $ 497,000 | $ 19,115 | $ 74,000 |
| Green Bay, WI | 26 | $ 305,000 | $ 11,730 | $ 86,000 |
| Indianapolis-Carmel-Anderson, IN | 26 | $ 429,000 | $ 16,500 | $ 77,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 26 | $ 495,000 | $ 19,038 | $ 90,500 |
| Scranton--Wilkes-Barre--Hazleton, PA | 25 | $ 299,000 | $ 11,960 | $ 52,000 |
| Seattle-Bellevue-Everett, WA | 25 | $ 418,000 | $ 16,720 | $ 90,000 |
| Pine Bluff, AR | 24 | $ 214,000 | $ 8,916 | $ 31,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 24 | $ 386,000 | $ 16,083 | $ 75,000 |
| Fort Smith, AR-OK | 23 | $ 192,000 | $ 8,347 | $ 29,782 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 345,000 | $ 15,681 | $ 103,000 |
| Cleveland-Elyria, OH | 21 | $ 320,000 | $ 15,238 | $ 66,000 |
| Newark, NJ-PA | 21 | $ 696,000 | $ 33,142 | $ 85,904 |
| Austin-Round Rock, TX | 20 | $ 308,000 | $ 15,400 | $ 79,000 |
| Appleton, WI | 19 | $ 211,000 | $ 11,105 | $ 53,000 |
| Memphis, TN-MS-AR | 19 | $ 194,000 | $ 10,210 | $ 57,263 |
| Pittsburgh, PA | 19 | $ 308,000 | $ 16,210 | $ 62,000 |
| Portland-South Portland, ME | 19 | $ 332,000 | $ 17,473 | $ 84,000 |
| Jonesboro, AR | 18 | $ 163,000 | $ 9,055 | $ 44,000 |
| New Haven-Milford, CT | 18 | $ 963,000 | $ 53,500 | $ 105,000 |
| Springfield, MA | 18 | $ 601,000 | $ 33,388 | $ 106,000 |
| Des Moines-West Des Moines, IA | 17 | $ 299,000 | $ 17,588 | $ 59,000 |
| Lake County-Kenosha County, IL-WI | 17 | $ 317,000 | $ 18,647 | $ 92,647 |
| Raleigh, NC | 17 | $ 565,000 | $ 33,235 | $ 78,000 |
| Richmond, VA | 17 | $ 758,000 | $ 44,588 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 17 | $ 277,000 | $ 16,294 | $ 78,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 302,000 | $ 18,875 | $ 76,000 |
| Knoxville, TN | 16 | $ 273,000 | $ 17,062 | $ 103,000 |
| Philadelphia, PA | 16 | $ 470,000 | $ 29,375 | $ 67,000 |
| Salt Lake City, UT | 16 | $ 250,000 | $ 15,625 | $ 71,000 |
| Texarkana, TX-AR | 16 | $ 117,000 | $ 7,312 | $ 37,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 458,000 | $ 30,533 | $ 86,200 |
| Camden, NJ | 15 | $ 370,000 | $ 24,666 | $ 93,000 |
| Charlotte-Concord-Gastonia, NC-SC | 15 | $ 336,000 | $ 22,400 | $ 82,133 |
| Jacksonville, FL | 15 | $ 581,000 | $ 38,733 | $ 51,000 |
| Peoria, IL | 15 | $ 204,000 | $ 13,600 | $ 66,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 549,000 | $ 36,600 | $ 81,533 |
| Racine, WI | 15 | $ 308,000 | $ 20,533 | $ 74,000 |
| Anaheim-Santa Ana-Irvine, CA | 14 | $ 307,000 | $ 21,928 | $ 97,000 |
| Norwich-New London, CT | 14 | $ 1,871,000 | $ 133,642 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 237,000 | $ 16,928 | $ 67,000 |
| Tulsa, OK | 14 | $ 193,000 | $ 13,785 | $ 72,000 |
| Davenport-Moline-Rock Island, IA-IL | 13 | $ 283,000 | $ 21,769 | $ 79,076 |
| Durham-Chapel Hill, NC | 13 | $ 213,000 | $ 16,384 | $ 100,000 |
| Oklahoma City, OK | 13 | $ 269,000 | $ 20,692 | $ 71,000 |
| Tacoma-Lakewood, WA | 13 | $ 208,000 | $ 16,000 | $ 69,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 349,000 | $ 29,083 | $ 118,000 |
| Louisville/Jefferson County, KY-IN | 12 | $ 210,000 | $ 17,500 | $ 72,250 |
| Wichita, KS | 12 | $ 222,000 | $ 18,500 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 203,000 | $ 18,454 | $ 90,000 |
| Ann Arbor, MI | 10 | $ 105,000 | $ 10,500 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 496,000 | $ 49,600 | $ 113,000 |
| Cincinnati, OH-KY-IN | 10 | $ 157,000 | $ 15,700 | $ 57,600 |
| Decatur, IL | 10 | $ 134,000 | $ 13,400 | $ 76,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 157,000 | $ 15,700 | $ 58,000 |
| East Stroudsburg, PA | 10 | $ 213,000 | $ 21,300 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 10 | $ 144,000 | $ 14,400 | $ 75,000 |
| Lincoln, NE | 10 | $ 167,000 | $ 16,700 | $ 87,000 |
| New Orleans-Metairie, LA | 10 | $ 167,000 | $ 16,700 | $ 91,000 |
| Syracuse, NY | 10 | $ 223,000 | $ 22,300 | $ 79,000 |
| Boise City, ID | 9 | $ 161,000 | $ 17,888 | $ 59,000 |
| Fond Du Lac, WI | 9 | $ 136,000 | $ 15,111 | $ 67,000 |
| Fort Worth-Arlington, TX | 9 | $ 171,000 | $ 19,000 | $ 66,000 |
| Modesto, CA | 9 | $ 171,000 | $ 19,000 | $ 73,000 |
| San Diego-Carlsbad, CA | 9 | $ 193,000 | $ 21,444 | $ 139,000 |
| Sioux City, IA-NE-SD | 9 | $ 250,000 | $ 27,777 | $ 61,222 |
| Columbus, OH | 8 | $ 135,000 | $ 16,875 | $ 77,000 |
| Dayton, OH | 8 | $ 186,000 | $ 23,250 | $ 54,000 |
| Fresno, CA | 8 | $ 110,000 | $ 13,750 | $ 47,000 |
| Joplin, MO | 8 | $ 119,000 | $ 14,875 | $ 51,000 |
| Ogden-Clearfield, UT | 8 | $ 101,000 | $ 12,625 | $ 77,000 |
| Oshkosh-Neenah, WI | 8 | $ 98,000 | $ 12,250 | $ 63,000 |
| Tallahassee, FL | 8 | $ 100,000 | $ 12,500 | $ 48,000 |
| Williamsport, PA | 8 | $ 103,000 | $ 12,875 | $ 57,000 |
| Chattanooga, TN-GA | 7 | $ 168,000 | $ 24,000 | $ 52,142 |
| Colorado Springs, CO | 7 | $ 129,000 | $ 18,428 | $ 66,000 |
| Columbia, SC | 7 | $ 83,000 | $ 11,857 | $ 56,000 |
| Madison, WI | 7 | $ 130,000 | $ 18,571 | $ 77,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 103,000 | $ 14,714 | $ 55,000 |
| San Antonio-New Braunfels, TX | 7 | $ 90,000 | $ 12,857 | $ 62,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 127,000 | $ 18,142 | $ 102,000 |
| Sheboygan, WI | 7 | $ 107,000 | $ 15,285 | $ 65,000 |
| Silver Spring-Frederick-Rockville, MD | 7 | $ 681,000 | $ 97,285 | $ 96,000 |
| Springfield, MO | 7 | $ 111,000 | $ 15,857 | $ 62,000 |
| St. George, UT | 7 | $ 108,000 | $ 15,428 | $ 89,000 |
| Tucson, AZ | 7 | $ 199,000 | $ 28,428 | $ 79,000 |
| Barnstable Town, MA | 6 | $ 308,000 | $ 51,333 | $ 159,000 |
| Bloomsburg-Berwick, PA | 6 | $ 74,000 | $ 12,333 | $ 57,000 |
| Canton-Massillon, OH | 6 | $ 93,000 | $ 15,500 | $ 45,000 |
| Elgin, IL | 6 | $ 114,000 | $ 19,000 | $ 128,000 |
| Grand Island, NE | 6 | $ 87,000 | $ 14,500 | $ 79,000 |
| Harrisburg-Carlisle, PA | 6 | $ 88,000 | $ 14,666 | $ 90,000 |
| Lakeland-Winter Haven, FL | 6 | $ 114,000 | $ 19,000 | $ 52,000 |
| Monroe, MI | 6 | $ 107,000 | $ 17,833 | $ 70,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 132,000 | $ 22,000 | $ 143,000 |
| Ocala, FL | 6 | $ 107,000 | $ 17,833 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 133,000 | $ 22,166 | $ 116,000 |
| Topeka, KS | 6 | $ 119,000 | $ 19,833 | $ 82,000 |
| Trenton, NJ | 6 | $ 82,000 | $ 13,666 | $ 71,000 |
| Wheeling, WV-OH | 6 | $ 86,000 | $ 14,333 | $ 149,500 |
| Akron, OH | 5 | $ 93,000 | $ 18,600 | $ 74,000 |
| Athens-Clarke County, GA | 5 | $ 58,000 | $ 11,600 | $ 72,000 |
| Billings, MT | 5 | $ 85,000 | $ 17,000 | $ 78,000 |
| Birmingham-Hoover, AL | 5 | $ 86,000 | $ 17,200 | $ 48,000 |
| Chico, CA | 5 | $ 62,000 | $ 12,400 | $ 58,000 |
| Fort Wayne, IN | 5 | $ 63,000 | $ 12,600 | $ 43,000 |
| Greensboro-High Point, NC | 5 | $ 350,000 | $ 70,000 | $ 51,000 |
| Hot Springs, AR | 5 | $ 57,000 | $ 11,400 | $ 41,000 |
| Mansfield, OH | 5 | $ 90,000 | $ 18,000 | $ 51,000 |
| Pittsfield, MA | 5 | $ 86,000 | $ 17,200 | $ 99,000 |
| Abilene, TX | 4 | $ 47,000 | $ 11,750 | $ 52,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 58,000 | $ 14,500 | $ 95,000 |
| Bloomington, IL | 4 | $ 39,000 | $ 9,750 | $ 86,000 |
| Champaign-Urbana, IL | 4 | $ 91,000 | $ 22,750 | $ 72,000 |
| Columbia, MO | 4 | $ 79,000 | $ 19,750 | $ 71,000 |
| Elkhart-Goshen, IN | 4 | $ 38,000 | $ 9,500 | $ 72,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 95,000 | $ 23,750 | $ 79,000 |
| Janesville-Beloit, WI | 4 | $ 85,000 | $ 21,250 | $ 67,000 |
| Lewiston-Auburn, ME | 4 | $ 59,000 | $ 14,750 | $ 78,000 |
| Lexington-Fayette, KY | 4 | $ 36,000 | $ 9,000 | $ 65,000 |
| Monroe, LA | 4 | $ 31,000 | $ 7,750 | $ 38,000 |
| Prescott, AZ | 4 | $ 88,000 | $ 22,000 | $ 53,000 |
| Punta Gorda, FL | 4 | $ 211,000 | $ 52,750 | $ 95,000 |
| Wilmington, DE-MD-NJ | 4 | $ 95,000 | $ 23,750 | $ 100,750 |
| Amarillo, TX | 3 | $ 27,000 | $ 9,000 | $ 46,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 47,000 | $ 15,666 | $ 60,000 |
| Bangor, ME | 3 | $ 42,000 | $ 14,000 | $ 19,000 |
| Beaumont-Port Arthur, TX | 3 | $ 53,000 | $ 17,666 | $ 92,000 |
| Charleston-North Charleston, SC | 3 | $ 75,000 | $ 25,000 | $ 91,000 |
| Charlottesville, VA | 3 | $ 70,000 | $ 23,333 | $ 82,000 |
| Coeur D'Alene, ID | 3 | $ 71,000 | $ 23,666 | $ 184,000 |
| Columbus, GA-AL | 3 | $ 41,000 | $ 13,666 | $ 28,000 |
| Danville, IL | 3 | $ 57,000 | $ 19,000 | $ 57,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 20,000 | $ 6,666 | $ 36,000 |
| Flint, MI | 3 | $ 35,000 | $ 11,666 | $ 41,000 |
| Hanford-Corcoran, CA | 3 | $ 38,000 | $ 12,666 | $ 57,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 44,000 | $ 14,666 | $ 49,000 |
| Ithaca, NY | 3 | $ 61,000 | $ 20,333 | $ 65,000 |
| Jacksonville, NC | 3 | $ 23,000 | $ 7,666 | $ 59,000 |
| Jefferson City, MO | 3 | $ 49,000 | $ 16,333 | $ 37,000 |
| Killeen-Temple, TX | 3 | $ 56,000 | $ 18,666 | $ 96,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 33,000 | $ 11,000 | $ 28,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 75,000 | $ 25,000 | $ 188,000 |
| Michigan City-La Porte, IN | 3 | $ 48,000 | $ 16,000 | $ 54,000 |
| Mobile, AL | 3 | $ 56,000 | $ 18,666 | $ 59,000 |
| Morristown, TN | 3 | $ 56,000 | $ 18,666 | $ 47,000 |
| Muncie, IN | 3 | $ 75,000 | $ 25,000 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 326,000 | $ 108,666 | $ 118,000 |
| Olympia-Tumwater, WA | 3 | $ 31,000 | $ 10,333 | $ 65,000 |
| Rocky Mount, NC | 3 | $ 56,000 | $ 18,666 | $ 121,000 |
| Salem, OR | 3 | $ 41,000 | $ 13,666 | $ 49,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 49,000 | $ 16,333 | $ 95,000 |
| Spokane-Spokane Valley, WA | 3 | $ 54,000 | $ 18,000 | $ 70,000 |
| Terre Haute, IN | 3 | $ 43,000 | $ 14,333 | $ 54,000 |
| Winchester, VA-WV | 3 | $ 50,000 | $ 16,666 | $ 109,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 65,000 | $ 21,666 | $ 42,000 |
| Albuquerque, NM | 2 | $ 19,000 | $ 9,500 | $ 77,000 |
| Altoona, PA | 2 | $ 37,000 | $ 18,500 | $ 55,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 21,000 | $ 10,500 | $ 25,000 |
| Bakersfield, CA | 2 | $ 50,000 | $ 25,000 | $ 72,000 |
| Baton Rouge, LA | 2 | $ 24,000 | $ 12,000 | $ 59,000 |
| Beckley, WV | 2 | $ 37,000 | $ 18,500 | $ 111,000 |
| Bismarck, ND | 2 | $ 50,000 | $ 25,000 | $ 69,000 |
| Casper, WY | 2 | $ 31,000 | $ 15,500 | $ 85,000 |
| Cedar Rapids, IA | 2 | $ 38,000 | $ 19,000 | $ 104,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 16,000 | $ 8,000 | $ 38,000 |
| Cheyenne, WY | 2 | $ 34,000 | $ 17,000 | $ 47,000 |
| Decatur, AL | 2 | $ 16,000 | $ 8,000 | $ 25,000 |
| Dover, DE | 2 | $ 50,000 | $ 25,000 | $ 163,000 |
| Duluth, MN-WI | 2 | $ 37,000 | $ 18,500 | $ 55,000 |
| El Centro, CA | 2 | $ 42,000 | $ 21,000 | $ 192,000 |
| El Paso, TX | 2 | $ 33,000 | $ 16,500 | $ 110,000 |
| Elmira, NY | 2 | $ 34,000 | $ 17,000 | $ 79,000 |
| Fayetteville, NC | 2 | $ 29,000 | $ 14,500 | $ 41,000 |
| Gainesville, FL | 2 | $ 24,000 | $ 12,000 | $ 79,000 |
| Grants Pass, OR | 2 | $ 20,000 | $ 10,000 | $ 43,000 |
| Greeley, CO | 2 | $ 50,000 | $ 25,000 | $ 68,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 33,000 | $ 16,500 | $ 45,000 |
| Harrisonburg, VA | 2 | $ 32,000 | $ 16,000 | $ 64,000 |
| Hattiesburg, MS | 2 | $ 28,000 | $ 14,000 | $ 46,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 16,000 | $ 8,000 | $ 19,000 |
| Idaho Falls, ID | 2 | $ 30,000 | $ 15,000 | $ 55,000 |
| Kalamazoo-Portage, MI | 2 | $ 44,000 | $ 22,000 | $ 89,000 |
| Lancaster, PA | 2 | $ 35,000 | $ 17,500 | $ 51,000 |
| Lansing-East Lansing, MI | 2 | $ 34,000 | $ 17,000 | $ 81,000 |
| Lebanon, PA | 2 | $ 31,000 | $ 15,500 | $ 37,000 |
| Longview, WA | 2 | $ 35,000 | $ 17,500 | $ 118,000 |
| Lubbock, TX | 2 | $ 17,000 | $ 8,500 | $ 33,000 |
| Lynchburg, VA | 2 | $ 38,000 | $ 19,000 | $ 63,000 |
| Macon, GA | 2 | $ 34,000 | $ 17,000 | $ 57,000 |
| Muskegon, MI | 2 | $ 37,000 | $ 18,500 | $ 79,000 |
| Niles-Benton Harbor, MI | 2 | $ 11,000 | $ 5,500 | $ 29,000 |
| Panama City, FL | 2 | $ 25,000 | $ 12,500 | $ 49,000 |
| Provo-Orem, UT | 2 | $ 35,000 | $ 17,500 | $ 222,000 |
| Pueblo, CO | 2 | $ 43,000 | $ 21,500 | $ 59,000 |
| Redding, CA | 2 | $ 13,000 | $ 6,500 | $ 16,000 |
| Saginaw, MI | 2 | $ 16,000 | $ 8,000 | $ 42,000 |
| Sherman-Denison, TX | 2 | $ 40,000 | $ 20,000 | $ 63,000 |
| Shreveport-Bossier City, LA | 2 | $ 41,000 | $ 20,500 | $ 82,000 |
| Spartanburg, SC | 2 | $ 52,000 | $ 26,000 | $ 59,000 |
| Springfield, IL | 2 | $ 18,000 | $ 9,000 | $ 52,000 |
| Springfield, OH | 2 | $ 50,000 | $ 25,000 | $ 57,000 |
| Utica-Rome, NY | 2 | $ 50,000 | $ 25,000 | $ 98,000 |
| Vineland-Bridgeton, NJ | 2 | $ 258,000 | $ 129,000 | $ 136,000 |
| Visalia-Porterville, CA | 2 | $ 50,000 | $ 25,000 | $ 98,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 28,000 | $ 14,000 | $ 58,500 |
| Wilmington, NC | 2 | $ 33,000 | $ 16,500 | $ 72,000 |
| Winston-Salem, NC | 2 | $ 33,000 | $ 16,500 | $ 99,000 |
| York-Hanover, PA | 2 | $ 116,000 | $ 58,000 | $ 84,000 |
| Yuma, AZ | 2 | $ 48,000 | $ 24,000 | $ 37,000 |
| Albany, OR | 1 | $ 18,000 | $ 18,000 | $ 16,000 |
| Alexandria, LA | 1 | $ 7,000 | $ 7,000 | $ 65,000 |
| Anchorage, AK | 1 | $ 21,000 | $ 21,000 | $ 60,000 |
| Auburn-Opelika, AL | 1 | $ 14,000 | $ 14,000 | $ 37,000 |
| Bend-Redmond, OR | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Bremerton-Silverdale, WA | 1 | $ 19,000 | $ 19,000 | $ 59,000 |
| Carbondale-Marion, IL | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Cleveland, TN | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Corpus Christi, TX | 1 | $ 8,000 | $ 8,000 | $ 96,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 8,000 | $ 8,000 | $ 35,000 |
| Cumberland, MD-WV | 1 | $ 89,000 | $ 89,000 | $ 31,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Erie, PA | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| Eugene, OR | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Evansville, IN-KY | 1 | $ 9,000 | $ 9,000 | $ 54,000 |
| Fargo, ND-MN | 1 | $ 19,000 | $ 19,000 | $ 67,000 |
| Fort Collins, CO | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Gadsden, AL | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Gainesville, GA | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Gettysburg, PA | 1 | $ 9,000 | $ 9,000 | $ 31,000 |
| Glens Falls, NY | 1 | $ 22,000 | $ 22,000 | $ 31,000 |
| Grand Junction, CO | 1 | $ 18,000 | $ 18,000 | $ 32,000 |
| Great Falls, MT | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Greenville, NC | 1 | $ 8,000 | $ 8,000 | $ 15,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 8,000 | $ 8,000 | $ 14,000 |
| Homosassa Springs, FL | 1 | $ 8,000 | $ 8,000 | $ 31,000 |
| Jackson, MI | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Jackson, MS | 1 | $ 20,000 | $ 20,000 | $ 396,000 |
| Johnstown, PA | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Kingston, NY | 1 | $ 25,000 | $ 25,000 | $ 182,000 |
| Kokomo, IN | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 14,000 | $ 14,000 | $ 44,000 |
| Lafayette-West Lafayette, IN | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Las Cruces, NM | 1 | $ 7,000 | $ 7,000 | $ 121,000 |
| Lawton, OK | 1 | $ 18,000 | $ 18,000 | $ 42,000 |
| Lewiston, ID-WA | 1 | $ 21,000 | $ 21,000 | $ 28,000 |
| Lima, OH | 1 | $ 16,000 | $ 16,000 | $ 43,000 |
| Madera, CA | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Manhattan, KS | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 18,000 | $ 18,000 | $ 84,000 |
| Medford, OR | 1 | $ 13,000 | $ 13,000 | $ 99,000 |
| Merced, CA | 1 | $ 16,000 | $ 16,000 | $ 52,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 140,000 | $ 140,000 | $ 107,000 |
| New Bern, NC | 1 | $ 25,000 | $ 25,000 | $ 240,000 |
| Odessa, TX | 1 | $ 17,000 | $ 17,000 | $ 62,000 |
| Owensboro, KY | 1 | $ 13,000 | $ 13,000 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 11,000 | $ 11,000 | $ 68,000 |
| Pocatello, ID | 1 | $ 8,000 | $ 8,000 | $ 30,000 |
| Port St. Lucie, FL | 1 | $ 6,000 | $ 6,000 | $ 56,000 |
| Reading, PA | 1 | $ 10,000 | $ 10,000 | $ 73,000 |
| Reno, NV | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Rome, GA | 1 | $ 8,000 | $ 8,000 | $ 66,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 20,000 | $ 20,000 | $ 65,000 |
| Santa Fe, NM | 1 | $ 16,000 | $ 16,000 | $ 157,000 |
| Sebastian-Vero Beach, FL | 1 | $ 7,000 | $ 7,000 | $ 45,000 |
| Sebring, FL | 1 | $ 8,000 | $ 8,000 | $ 34,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 4,000 | $ 4,000 | $ 87,000 |
| Sioux Falls, SD | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 21,000 | $ 21,000 | $ 132,000 |
| St. Cloud, MN | 1 | $ 25,000 | $ 25,000 | $ 247,000 |
| State College, PA | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| Staunton-Waynesboro, VA | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Stockton-Lodi, CA | 1 | $ 21,000 | $ 21,000 | $ 70,000 |
| Sumter, SC | 1 | $ 22,000 | $ 22,000 | $ 44,000 |
| Valdosta, GA | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Yakima, WA | 1 | $ 8,000 | $ 8,000 | $ 145,000 |
| Yuba City, CA | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2016
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 | 4,365 | $70,331,000 | $16,000 | $50,000 | $74,000 | $624,000 |
| Home Purchase | 578 | $145,978,000 | $252,000 | $1,120,000 | $92,000 | $808,000 |
| Refinancing | 325 | $78,975,000 | $243,000 | $800,000 | $96,000 | $721,000 |
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 | 3,934 | $230,799,000 | $58,000 | $1,120,000 | $80,000 | $808,000 |
| Black or African American | 555 | $13,874,000 | $24,000 | $451,000 | $66,000 | $278,000 |
| Hispanic | 377 | $18,406,000 | $48,000 | $392,000 | $77,000 | $295,000 |
| Not Provided | 305 | $23,821,000 | $78,000 | $555,000 | $75,000 | $308,000 |
| Asian | 73 | $7,168,000 | $98,000 | $537,000 | $87,000 | $270,000 |
| American Indian or Alaskan Native | 16 | $974,000 | $60,000 | $290,000 | $59,000 | $108,000 |
| Native Hawaiin or Other Pacific Islander | 8 | $242,000 | $30,000 | $108,000 | $88,000 | $147,000 |
| 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) | 4,418 | $132,458,000 | $29,000 | $537,000 | $72,000 | $624,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 791 | $143,761,000 | $181,000 | $1,120,000 | $107,000 | $808,000 |
| VA-guaranteed (Veterans Administration) | 50 | $16,626,000 | $332,000 | $800,000 | $98,000 | $279,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,439,000 | $271,000 | $317,000 | $80,000 | $137,000 |
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 | 1,917 | $42,618,000 | $22,000 | $523,000 | $59,000 | $400,000 |
| Loan Originated | 1,865 | $181,792,000 | $97,000 | $800,000 | $93,000 | $808,000 |
| Application Withdrawn By Applicant | 1,325 | $31,169,000 | $23,000 | $1,120,000 | $80,000 | $624,000 |
| Application Approved But Not Accepted | 145 | $34,850,000 | $240,000 | $625,000 | $91,000 | $359,000 |
| File Closed For Incompleteness | 16 | $4,855,000 | $303,000 | $500,000 | $107,000 | $210,000 |
| 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 | 1,296 | $23,269,000 | $17,000 | $523,000 | $59,000 | $377,000 |
| Debt-To-Income Ratio | 498 | $13,538,000 | $27,000 | $399,000 | $55,000 | $400,000 |
| Other | 77 | $1,360,000 | $17,000 | $25,000 | $81,000 | $265,000 |
| Collateral | 28 | $3,081,000 | $110,000 | $403,000 | $67,000 | $148,000 |
| Employment History | 6 | $359,000 | $59,000 | $285,000 | $78,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $935,000 | $155,000 | $250,000 | $70,000 | $90,000 |
| Credit Application Incomplete | 3 | $27,000 | $9,000 | $11,000 | $90,000 | $205,000 |
| Unverifiable Information | 3 | $49,000 | $16,000 | $21,000 | $44,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2016 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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