Shoreham Bank Mortgage Lending & HMDA Data, 2017
In 2017, Shoreham Bank of Warwick, RI reported 7,126 mortgage applications totaling $338.2 million, up 35% from 2016. The average application was for $47,456, and applicants reported an average income of $86,516. 37% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Providence-Warwick, RI-MA (989), Chicago-Naperville-Arlington Heights, IL (167) and New York-Jersey City-White Plains, NY-NJ (159) (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 | 7,126 |
| Total Mortgage Loan Application Amount | $338,174,000 |
| Average Mortgage Loan Application Amount | $47,456 |
| Highest Mortgage Loan Application Amount | $1,161,000 |
| Average Applicant Income | $86,516 |
| Highest Applicant Income | $1,080,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 989 | $ 161,452,000 | $ 163,247 | $ 98,122 |
| Chicago-Naperville-Arlington Heights, IL | 167 | $ 2,948,000 | $ 17,652 | $ 102,000 |
| New York-Jersey City-White Plains, NY-NJ | 159 | $ 5,176,000 | $ 32,553 | $ 108,327 |
| Cambridge-Newton-Framingham, MA | 144 | $ 28,209,000 | $ 195,895 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 116 | $ 2,175,000 | $ 18,750 | $ 86,000 |
| Boston, MA | 104 | $ 11,561,000 | $ 111,163 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 102 | $ 2,305,000 | $ 22,598 | $ 98,000 |
| Kansas City, MO-KS | 99 | $ 1,901,000 | $ 19,202 | $ 96,505 |
| Phoenix-Mesa-Scottsdale, AZ | 92 | $ 2,794,000 | $ 30,369 | $ 104,000 |
| Atlanta-Sandy Springs-Roswell, GA | 90 | $ 1,418,000 | $ 15,755 | $ 80,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 77 | $ 1,860,000 | $ 24,155 | $ 134,610 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 73 | $ 1,553,000 | $ 21,273 | $ 100,000 |
| Newark, NJ-PA | 68 | $ 2,001,000 | $ 29,426 | $ 105,764 |
| Columbus, OH | 66 | $ 1,191,000 | $ 18,045 | $ 92,000 |
| Riverside-San Bernardino-Ontario, CA | 66 | $ 1,301,000 | $ 19,712 | $ 85,000 |
| Cincinnati, OH-KY-IN | 65 | $ 1,276,000 | $ 19,630 | $ 90,723 |
| Raleigh, NC | 65 | $ 1,511,000 | $ 23,246 | $ 98,000 |
| Detroit-Dearborn-Livonia, MI | 63 | $ 798,000 | $ 12,666 | $ 60,000 |
| Worcester, MA-CT | 63 | $ 5,321,000 | $ 84,460 | $ 101,428 |
| Nassau County-Suffolk County, NY | 60 | $ 2,159,000 | $ 35,983 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 60 | $ 989,000 | $ 16,483 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 60 | $ 1,348,000 | $ 22,466 | $ 88,000 |
| Warren-Troy-Farmington Hills, MI | 60 | $ 1,114,000 | $ 18,566 | $ 70,000 |
| St. Louis, MO-IL | 58 | $ 1,041,000 | $ 17,948 | $ 76,344 |
| Houston-The Woodlands-Sugar Land, TX | 56 | $ 984,000 | $ 17,571 | $ 100,000 |
| Pine Bluff, AR | 51 | $ 664,000 | $ 13,019 | $ 48,000 |
| Philadelphia, PA | 49 | $ 978,000 | $ 19,959 | $ 62,000 |
| Pittsburgh, PA | 49 | $ 741,000 | $ 15,122 | $ 70,000 |
| Springfield, MA | 49 | $ 1,173,000 | $ 23,938 | $ 91,000 |
| Greenville-Anderson-Mauldin, SC | 47 | $ 782,000 | $ 16,638 | $ 69,000 |
| Camden, NJ | 46 | $ 1,073,000 | $ 23,326 | $ 95,000 |
| Indianapolis-Carmel-Anderson, IN | 45 | $ 851,000 | $ 18,911 | $ 83,000 |
| Lake County-Kenosha County, IL-WI | 45 | $ 898,000 | $ 19,955 | $ 93,888 |
| Tulsa, OK | 45 | $ 628,000 | $ 13,955 | $ 71,000 |
| Rockingham County-Strafford County, NH | 44 | $ 8,942,000 | $ 203,227 | $ 104,000 |
| Salisbury, MD-DE | 40 | $ 787,000 | $ 19,675 | $ 89,125 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 40 | $ 1,312,000 | $ 32,800 | $ 83,975 |
| Omaha-Council Bluffs, NE-IA | 38 | $ 744,000 | $ 19,578 | $ 82,526 |
| Salt Lake City, UT | 38 | $ 748,000 | $ 19,684 | $ 72,000 |
| Baltimore-Columbia-Towson, MD | 37 | $ 1,252,000 | $ 33,837 | $ 116,000 |
| Memphis, TN-MS-AR | 37 | $ 573,000 | $ 15,486 | $ 89,945 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 36 | $ 595,000 | $ 16,527 | $ 76,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 36 | $ 1,345,000 | $ 37,361 | $ 100,277 |
| Tacoma-Lakewood, WA | 36 | $ 668,000 | $ 18,555 | $ 81,000 |
| Clarksville, TN-KY | 35 | $ 712,000 | $ 20,342 | $ 88,857 |
| Oklahoma City, OK | 35 | $ 592,000 | $ 16,914 | $ 101,000 |
| Wilmington, DE-MD-NJ | 35 | $ 632,000 | $ 18,057 | $ 74,971 |
| Dallas-Plano-Irving, TX | 34 | $ 550,000 | $ 16,176 | $ 81,000 |
| Hartford-West Hartford-East Hartford, CT | 34 | $ 1,050,000 | $ 30,882 | $ 84,000 |
| Manchester-Nashua, NH | 33 | $ 2,803,000 | $ 84,939 | $ 91,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 31 | $ 634,000 | $ 20,451 | $ 89,000 |
| Elkhart-Goshen, IN | 30 | $ 407,000 | $ 13,566 | $ 63,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 30 | $ 422,000 | $ 14,066 | $ 73,000 |
| South Bend-Mishawaka, IN-MI | 29 | $ 422,000 | $ 14,551 | $ 66,068 |
| Denver-Aurora-Lakewood, CO | 28 | $ 899,000 | $ 32,107 | $ 113,000 |
| Gary, IN | 28 | $ 495,000 | $ 17,678 | $ 92,000 |
| Charlotte-Concord-Gastonia, NC-SC | 27 | $ 502,000 | $ 18,592 | $ 62,148 |
| Dover, DE | 27 | $ 483,000 | $ 17,888 | $ 80,000 |
| Ogden-Clearfield, UT | 27 | $ 576,000 | $ 21,333 | $ 75,000 |
| Cleveland-Elyria, OH | 25 | $ 420,000 | $ 16,800 | $ 77,000 |
| Seattle-Bellevue-Everett, WA | 25 | $ 473,000 | $ 18,920 | $ 96,000 |
| Toledo, OH | 25 | $ 447,000 | $ 17,880 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 522,000 | $ 21,750 | $ 116,375 |
| Anaheim-Santa Ana-Irvine, CA | 24 | $ 855,000 | $ 35,625 | $ 115,000 |
| Las Vegas-Henderson-Paradise, NV | 23 | $ 491,000 | $ 21,347 | $ 98,000 |
| San Antonio-New Braunfels, TX | 23 | $ 458,000 | $ 19,913 | $ 79,000 |
| Racine, WI | 22 | $ 441,000 | $ 20,045 | $ 58,000 |
| Silver Spring-Frederick-Rockville, MD | 22 | $ 393,000 | $ 17,863 | $ 122,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 21 | $ 406,000 | $ 19,333 | $ 126,000 |
| Charleston-North Charleston, SC | 20 | $ 347,000 | $ 17,350 | $ 71,000 |
| Fort Worth-Arlington, TX | 20 | $ 292,000 | $ 14,600 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 20 | $ 379,000 | $ 18,950 | $ 82,000 |
| San Diego-Carlsbad, CA | 20 | $ 919,000 | $ 45,950 | $ 100,000 |
| Tucson, AZ | 20 | $ 351,000 | $ 17,550 | $ 88,000 |
| Columbia, SC | 19 | $ 420,000 | $ 22,105 | $ 80,000 |
| Jacksonville, FL | 19 | $ 290,000 | $ 15,263 | $ 70,000 |
| Montgomery County-Bucks County-Chester County, PA | 19 | $ 362,000 | $ 19,052 | $ 129,000 |
| Laredo, TX | 18 | $ 219,000 | $ 12,166 | $ 62,000 |
| Little Rock-North Little Rock-Conway, AR | 18 | $ 285,000 | $ 15,833 | $ 66,000 |
| New Haven-Milford, CT | 17 | $ 608,000 | $ 35,764 | $ 77,000 |
| Oakland-Hayward-Berkeley, CA | 17 | $ 363,000 | $ 21,352 | $ 100,000 |
| Greensboro-High Point, NC | 16 | $ 193,000 | $ 12,062 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 329,000 | $ 20,562 | $ 92,000 |
| Syracuse, NY | 16 | $ 231,000 | $ 14,437 | $ 98,000 |
| Albany-Schenectady-Troy, NY | 15 | $ 401,000 | $ 26,733 | $ 72,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 227,000 | $ 15,133 | $ 71,000 |
| Lake Havasu City-Kingman, AZ | 15 | $ 220,000 | $ 14,666 | $ 56,000 |
| Portland-South Portland, ME | 15 | $ 901,000 | $ 60,066 | $ 90,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 15 | $ 320,000 | $ 21,333 | $ 77,000 |
| Austin-Round Rock, TX | 14 | $ 271,000 | $ 19,357 | $ 78,000 |
| Terre Haute, IN | 14 | $ 274,000 | $ 19,571 | $ 53,000 |
| Atlantic City-Hammonton, NJ | 13 | $ 207,000 | $ 15,923 | $ 91,000 |
| Dayton, OH | 13 | $ 179,000 | $ 13,769 | $ 52,000 |
| Fort Wayne, IN | 13 | $ 210,000 | $ 16,153 | $ 37,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 195,000 | $ 15,000 | $ 77,000 |
| Rochester, NY | 13 | $ 248,000 | $ 19,076 | $ 91,000 |
| Wichita, KS | 13 | $ 264,000 | $ 20,307 | $ 69,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 592,000 | $ 49,333 | $ 124,000 |
| Champaign-Urbana, IL | 12 | $ 208,000 | $ 17,333 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 12 | $ 166,000 | $ 13,833 | $ 71,333 |
| Decatur, IL | 12 | $ 195,000 | $ 16,250 | $ 77,000 |
| Killeen-Temple, TX | 12 | $ 236,000 | $ 19,666 | $ 79,000 |
| Colorado Springs, CO | 11 | $ 241,000 | $ 21,909 | $ 95,000 |
| East Stroudsburg, PA | 11 | $ 225,000 | $ 20,454 | $ 72,000 |
| Elgin, IL | 11 | $ 208,000 | $ 18,909 | $ 112,000 |
| Fresno, CA | 11 | $ 239,000 | $ 21,727 | $ 77,000 |
| Green Bay, WI | 11 | $ 215,000 | $ 19,545 | $ 83,000 |
| Knoxville, TN | 11 | $ 193,000 | $ 17,545 | $ 44,000 |
| Lakeland-Winter Haven, FL | 11 | $ 206,000 | $ 18,727 | $ 81,000 |
| Modesto, CA | 11 | $ 252,000 | $ 22,909 | $ 87,000 |
| Richmond, VA | 11 | $ 216,000 | $ 19,636 | $ 93,000 |
| Sioux City, IA-NE-SD | 11 | $ 206,000 | $ 18,727 | $ 72,181 |
| Durham-Chapel Hill, NC | 10 | $ 149,000 | $ 14,900 | $ 97,000 |
| Ocala, FL | 10 | $ 94,000 | $ 9,400 | $ 45,000 |
| Peoria, IL | 10 | $ 151,000 | $ 15,100 | $ 73,000 |
| Bakersfield, CA | 9 | $ 216,000 | $ 24,000 | $ 83,000 |
| Birmingham-Hoover, AL | 9 | $ 132,000 | $ 14,666 | $ 68,000 |
| Fond Du Lac, WI | 9 | $ 194,000 | $ 21,555 | $ 75,000 |
| Jackson, TN | 9 | $ 184,000 | $ 20,444 | $ 80,000 |
| Janesville-Beloit, WI | 9 | $ 173,000 | $ 19,222 | $ 77,000 |
| Lafayette, LA | 9 | $ 122,000 | $ 13,555 | $ 83,000 |
| Morgantown, WV | 9 | $ 137,000 | $ 15,222 | $ 64,000 |
| New Orleans-Metairie, LA | 9 | $ 197,000 | $ 21,888 | $ 82,000 |
| Pueblo, CO | 9 | $ 195,000 | $ 21,666 | $ 88,000 |
| Topeka, KS | 9 | $ 135,000 | $ 15,000 | $ 48,000 |
| Visalia-Porterville, CA | 9 | $ 206,000 | $ 22,888 | $ 196,000 |
| Ann Arbor, MI | 8 | $ 121,000 | $ 15,125 | $ 128,000 |
| Boise City, ID | 8 | $ 99,000 | $ 12,375 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 143,000 | $ 17,875 | $ 59,000 |
| El Paso, TX | 8 | $ 147,000 | $ 18,375 | $ 62,000 |
| Flagstaff, AZ | 8 | $ 148,000 | $ 18,500 | $ 66,000 |
| Homosassa Springs, FL | 8 | $ 98,000 | $ 12,250 | $ 53,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 295,000 | $ 36,875 | $ 92,875 |
| Logan, UT-ID | 8 | $ 149,000 | $ 18,625 | $ 122,250 |
| New Bern, NC | 8 | $ 66,000 | $ 8,250 | $ 48,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 164,000 | $ 20,500 | $ 101,000 |
| Spartanburg, SC | 8 | $ 141,000 | $ 17,625 | $ 69,000 |
| Trenton, NJ | 8 | $ 168,000 | $ 21,000 | $ 86,000 |
| Appleton, WI | 7 | $ 119,000 | $ 17,000 | $ 135,000 |
| Carbondale-Marion, IL | 7 | $ 119,000 | $ 17,000 | $ 110,000 |
| Charleston, WV | 7 | $ 164,000 | $ 23,428 | $ 95,000 |
| Charlottesville, VA | 7 | $ 148,000 | $ 21,142 | $ 80,000 |
| Des Moines-West Des Moines, IA | 7 | $ 104,000 | $ 14,857 | $ 70,000 |
| Greeley, CO | 7 | $ 144,000 | $ 20,571 | $ 99,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 105,000 | $ 15,000 | $ 130,285 |
| Jackson, MS | 7 | $ 108,000 | $ 15,428 | $ 50,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 245,000 | $ 35,000 | $ 58,428 |
| Monroe, MI | 7 | $ 145,000 | $ 20,714 | $ 92,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 108,000 | $ 15,428 | $ 69,142 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 88,000 | $ 12,571 | $ 63,000 |
| Norwich-New London, CT | 7 | $ 109,000 | $ 15,571 | $ 68,000 |
| Port St. Lucie, FL | 7 | $ 238,000 | $ 34,000 | $ 82,000 |
| Savannah, GA | 7 | $ 114,000 | $ 16,285 | $ 105,000 |
| Springfield, MO | 7 | $ 148,000 | $ 21,142 | $ 74,000 |
| Vineland-Bridgeton, NJ | 7 | $ 109,000 | $ 15,571 | $ 93,000 |
| Chattanooga, TN-GA | 6 | $ 144,000 | $ 24,000 | $ 78,666 |
| Glens Falls, NY | 6 | $ 219,000 | $ 36,500 | $ 104,000 |
| Greenville, NC | 6 | $ 98,000 | $ 16,333 | $ 118,000 |
| Kingston, NY | 6 | $ 56,000 | $ 9,333 | $ 61,000 |
| Lafayette-West Lafayette, IN | 6 | $ 101,000 | $ 16,833 | $ 63,000 |
| Lewiston-Auburn, ME | 6 | $ 86,000 | $ 14,333 | $ 93,000 |
| Lima, OH | 6 | $ 92,000 | $ 15,333 | $ 58,000 |
| Lincoln, NE | 6 | $ 117,000 | $ 19,500 | $ 59,000 |
| Madison, WI | 6 | $ 131,000 | $ 21,833 | $ 72,000 |
| Montgomery, AL | 6 | $ 98,000 | $ 16,333 | $ 62,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 688,000 | $ 114,666 | $ 99,000 |
| Niles-Benton Harbor, MI | 6 | $ 86,000 | $ 14,333 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 102,000 | $ 17,000 | $ 58,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,305,000 | $ 217,500 | $ 105,666 |
| Rocky Mount, NC | 6 | $ 97,000 | $ 16,166 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 150,000 | $ 25,000 | $ 215,000 |
| Sheboygan, WI | 6 | $ 112,000 | $ 18,666 | $ 42,000 |
| St. George, UT | 6 | $ 118,000 | $ 19,666 | $ 72,000 |
| Stockton-Lodi, CA | 6 | $ 99,000 | $ 16,500 | $ 120,000 |
| Akron, OH | 5 | $ 102,000 | $ 20,400 | $ 68,000 |
| Albuquerque, NM | 5 | $ 138,000 | $ 27,600 | $ 106,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 68,000 | $ 13,600 | $ 52,400 |
| Barnstable Town, MA | 5 | $ 85,000 | $ 17,000 | $ 94,000 |
| Beckley, WV | 5 | $ 99,000 | $ 19,800 | $ 77,000 |
| Binghamton, NY | 5 | $ 68,000 | $ 13,600 | $ 56,000 |
| Evansville, IN-KY | 5 | $ 77,000 | $ 15,400 | $ 87,000 |
| Fayetteville, NC | 5 | $ 112,000 | $ 22,400 | $ 98,000 |
| Flint, MI | 5 | $ 82,000 | $ 16,400 | $ 76,000 |
| Grand Island, NE | 5 | $ 105,000 | $ 21,000 | $ 61,000 |
| Huntsville, AL | 5 | $ 89,000 | $ 17,800 | $ 74,000 |
| Idaho Falls, ID | 5 | $ 108,000 | $ 21,600 | $ 60,000 |
| Jacksonville, NC | 5 | $ 58,000 | $ 11,600 | $ 132,000 |
| Johnson City, TN | 5 | $ 92,000 | $ 18,400 | $ 77,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 76,000 | $ 15,200 | $ 90,000 |
| Kokomo, IN | 5 | $ 97,000 | $ 19,400 | $ 53,000 |
| Las Cruces, NM | 5 | $ 69,000 | $ 13,800 | $ 77,000 |
| Lexington-Fayette, KY | 5 | $ 72,000 | $ 14,400 | $ 82,000 |
| Muncie, IN | 5 | $ 103,000 | $ 20,600 | $ 79,000 |
| Olympia-Tumwater, WA | 5 | $ 107,000 | $ 21,400 | $ 75,000 |
| Oshkosh-Neenah, WI | 5 | $ 52,000 | $ 10,400 | $ 49,000 |
| Pittsfield, MA | 5 | $ 91,000 | $ 18,200 | $ 191,000 |
| Provo-Orem, UT | 5 | $ 99,000 | $ 19,800 | $ 97,000 |
| Reading, PA | 5 | $ 81,000 | $ 16,200 | $ 77,000 |
| Springfield, IL | 5 | $ 62,000 | $ 12,400 | $ 66,000 |
| Texarkana, TX-AR | 5 | $ 68,000 | $ 13,600 | $ 56,000 |
| Utica-Rome, NY | 5 | $ 130,000 | $ 26,000 | $ 64,000 |
| Bloomington, IN | 4 | $ 63,000 | $ 15,750 | $ 65,000 |
| Cedar Rapids, IA | 4 | $ 75,000 | $ 18,750 | $ 62,000 |
| Decatur, AL | 4 | $ 77,000 | $ 19,250 | $ 70,000 |
| Duluth, MN-WI | 4 | $ 63,000 | $ 15,750 | $ 96,000 |
| Enid, OK | 4 | $ 78,000 | $ 19,500 | $ 110,000 |
| Gadsden, AL | 4 | $ 63,000 | $ 15,750 | $ 53,000 |
| Goldsboro, NC | 4 | $ 52,000 | $ 13,000 | $ 49,000 |
| Houma-Thibodaux, LA | 4 | $ 49,000 | $ 12,250 | $ 45,000 |
| Lynchburg, VA | 4 | $ 82,000 | $ 20,500 | $ 81,000 |
| Parkersburg-Vienna, WV | 4 | $ 71,000 | $ 17,750 | $ 95,000 |
| Prescott, AZ | 4 | $ 52,000 | $ 13,000 | $ 81,000 |
| Sumter, SC | 4 | $ 94,000 | $ 23,500 | $ 85,000 |
| Tallahassee, FL | 4 | $ 83,000 | $ 20,750 | $ 54,000 |
| Wausau, WI | 4 | $ 63,000 | $ 15,750 | $ 56,000 |
| Wilmington, NC | 4 | $ 49,000 | $ 12,250 | $ 82,000 |
| York-Hanover, PA | 4 | $ 76,000 | $ 19,000 | $ 79,000 |
| Asheville, NC | 3 | $ 58,000 | $ 19,333 | $ 54,000 |
| Bangor, ME | 3 | $ 155,000 | $ 51,666 | $ 65,000 |
| Baton Rouge, LA | 3 | $ 42,000 | $ 14,000 | $ 84,000 |
| Battle Creek, MI | 3 | $ 27,000 | $ 9,000 | $ 30,000 |
| Bloomington, IL | 3 | $ 35,000 | $ 11,666 | $ 59,000 |
| Bremerton-Silverdale, WA | 3 | $ 50,000 | $ 16,666 | $ 103,000 |
| Cheyenne, WY | 3 | $ 75,000 | $ 25,000 | $ 96,000 |
| Chico, CA | 3 | $ 45,000 | $ 15,000 | $ 79,000 |
| College Station-Bryan, TX | 3 | $ 70,000 | $ 23,333 | $ 146,000 |
| Columbia, MO | 3 | $ 21,000 | $ 7,000 | $ 24,000 |
| Dalton, GA | 3 | $ 73,000 | $ 24,333 | $ 96,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 57,000 | $ 19,000 | $ 48,000 |
| Gettysburg, PA | 3 | $ 38,000 | $ 12,666 | $ 183,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 25,000 | $ 8,333 | $ 43,000 |
| Jefferson City, MO | 3 | $ 27,000 | $ 9,000 | $ 35,000 |
| Kennewick-Richland, WA | 3 | $ 47,000 | $ 15,666 | $ 112,000 |
| Lake Charles, LA | 3 | $ 73,000 | $ 24,333 | $ 97,000 |
| Lawton, OK | 3 | $ 40,000 | $ 13,333 | $ 66,000 |
| Longview, TX | 3 | $ 57,000 | $ 19,000 | $ 61,000 |
| Lubbock, TX | 3 | $ 41,000 | $ 13,666 | $ 48,000 |
| Macon-Bibb County, GA | 3 | $ 54,000 | $ 18,000 | $ 99,000 |
| Medford, OR | 3 | $ 45,000 | $ 15,000 | $ 97,000 |
| Morristown, TN | 3 | $ 42,000 | $ 14,000 | $ 44,000 |
| Shreveport-Bossier City, LA | 3 | $ 41,000 | $ 13,666 | $ 55,000 |
| Sioux Falls, SD | 3 | $ 40,000 | $ 13,333 | $ 34,000 |
| Spokane-Spokane Valley, WA | 3 | $ 167,000 | $ 55,666 | $ 48,000 |
| Wheeling, WV-OH | 3 | $ 50,000 | $ 16,666 | $ 71,000 |
| Winchester, VA-WV | 3 | $ 28,000 | $ 9,333 | $ 52,666 |
| Winston-Salem, NC | 3 | $ 197,000 | $ 65,666 | $ 102,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 58,000 | $ 19,333 | $ 39,333 |
| Albany, GA | 2 | $ 49,000 | $ 24,500 | $ 88,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 33,000 | $ 16,500 | $ 34,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 29,000 | $ 14,500 | $ 82,000 |
| Corpus Christi, TX | 2 | $ 24,000 | $ 12,000 | $ 26,000 |
| Cumberland, MD-WV | 2 | $ 32,000 | $ 16,000 | $ 36,000 |
| Danville, IL | 2 | $ 50,000 | $ 25,000 | $ 68,000 |
| Dutchess County-Putnam County, NY | 2 | $ 30,000 | $ 15,000 | $ 50,000 |
| Fargo, ND-MN | 2 | $ 38,000 | $ 19,000 | $ 103,000 |
| Florence, SC | 2 | $ 31,000 | $ 15,500 | $ 50,000 |
| Fort Smith, AR-OK | 2 | $ 13,000 | $ 6,500 | $ 17,500 |
| Gainesville, GA | 2 | $ 41,000 | $ 20,500 | $ 69,000 |
| Harrisburg-Carlisle, PA | 2 | $ 45,000 | $ 22,500 | $ 82,000 |
| Johnstown, PA | 2 | $ 33,000 | $ 16,500 | $ 38,000 |
| Joplin, MO | 2 | $ 57,000 | $ 28,500 | $ 60,000 |
| Kankakee, IL | 2 | $ 50,000 | $ 25,000 | $ 94,000 |
| Lancaster, PA | 2 | $ 16,000 | $ 8,000 | $ 37,000 |
| Lawrence, KS | 2 | $ 37,000 | $ 18,500 | $ 130,000 |
| Madera, CA | 2 | $ 46,000 | $ 23,000 | $ 124,000 |
| Michigan City-La Porte, IN | 2 | $ 14,000 | $ 7,000 | $ 32,000 |
| Midland, MI | 2 | $ 42,000 | $ 21,000 | $ 131,000 |
| Mobile, AL | 2 | $ 33,000 | $ 16,500 | $ 42,000 |
| Monroe, LA | 2 | $ 14,000 | $ 7,000 | $ 44,000 |
| Muskegon, MI | 2 | $ 24,000 | $ 12,000 | $ 33,000 |
| Punta Gorda, FL | 2 | $ 34,000 | $ 17,000 | $ 54,000 |
| Redding, CA | 2 | $ 50,000 | $ 25,000 | $ 80,000 |
| Reno, NV | 2 | $ 39,000 | $ 19,500 | $ 121,000 |
| Salem, OR | 2 | $ 50,000 | $ 25,000 | $ 162,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 50,000 | $ 25,000 | $ 400,000 |
| San Rafael, CA | 2 | $ 26,000 | $ 13,000 | $ 63,000 |
| Springfield, OH | 2 | $ 22,000 | $ 11,000 | $ 52,000 |
| State College, PA | 2 | $ 50,000 | $ 25,000 | $ 83,000 |
| Staunton-Waynesboro, VA | 2 | $ 15,000 | $ 7,500 | $ 113,000 |
| Tuscaloosa, AL | 2 | $ 39,000 | $ 19,500 | $ 135,000 |
| Tyler, TX | 2 | $ 14,000 | $ 7,000 | $ 47,000 |
| Waco, TX | 2 | $ 16,000 | $ 8,000 | $ 54,000 |
| Warner Robins, GA | 2 | $ 31,000 | $ 15,500 | $ 41,000 |
| Abilene, TX | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Alexandria, LA | 1 | $ 21,000 | $ 21,000 | $ 115,000 |
| Altoona, PA | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Athens-Clarke County, GA | 1 | $ 13,000 | $ 13,000 | $ 94,000 |
| Auburn-Opelika, AL | 1 | $ 7,000 | $ 7,000 | $ 29,000 |
| Bellingham, WA | 1 | $ 8,000 | $ 8,000 | $ 38,000 |
| Boulder, CO | 1 | $ 22,000 | $ 22,000 | $ 103,000 |
| Brownsville-Harlingen, TX | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Burlington, NC | 1 | $ 11,000 | $ 11,000 | $ 36,000 |
| California-Lexington Park, MD | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Canton-Massillon, OH | 1 | $ 250,000 | $ 250,000 | $ 65,000 |
| Cape Girardeau, MO-IL | 1 | $ 19,000 | $ 19,000 | $ 75,000 |
| Casper, WY | 1 | $ 18,000 | $ 18,000 | $ 71,000 |
| Columbus, GA-AL | 1 | $ 18,000 | $ 18,000 | $ 72,000 |
| Corvallis, OR | 1 | $ 8,000 | $ 8,000 | $ 234,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 14,000 | $ 14,000 | $ 55,000 |
| Erie, PA | 1 | $ 7,000 | $ 7,000 | $ 107,000 |
| Eugene, OR | 1 | $ 24,000 | $ 24,000 | $ 45,000 |
| Gainesville, FL | 1 | $ 16,000 | $ 16,000 | $ 22,000 |
| Grand Forks, ND-MN | 1 | $ 11,000 | $ 11,000 | $ 122,000 |
| Grants Pass, OR | 1 | $ 9,000 | $ 9,000 | $ 87,000 |
| Hammond, LA | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Hinesville, GA | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Hot Springs, AR | 1 | $ 8,000 | $ 8,000 | $ 60,000 |
| Jonesboro, AR | 1 | $ 8,000 | $ 8,000 | $ 30,000 |
| Kalamazoo-Portage, MI | 1 | $ 24,000 | $ 24,000 | $ 72,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 8,000 | $ 8,000 | $ 11,000 |
| Napa, CA | 1 | $ 12,000 | $ 12,000 | $ 94,000 |
| Ocean City, NJ | 1 | $ 21,000 | $ 21,000 | $ 35,000 |
| Odessa, TX | 1 | $ 19,000 | $ 19,000 | $ 26,000 |
| Panama City, FL | 1 | $ 16,000 | $ 16,000 | $ 93,000 |
| Pocatello, ID | 1 | $ 72,000 | $ 72,000 | $ 191,000 |
| Rapid City, SD | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Rome, GA | 1 | $ 4,000 | $ 4,000 | $ 15,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Santa Fe, NM | 1 | $ 362,000 | $ 362,000 | $ 149,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 8,000 | $ 8,000 | $ 86,000 |
| Santa Rosa, CA | 1 | $ 22,000 | $ 22,000 | $ 146,000 |
| Sebastian-Vero Beach, FL | 1 | $ 340,000 | $ 340,000 | $ 117,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 17,000 | $ 17,000 | $ 150,000 |
| St. Joseph, MO-KS | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Vallejo-Fairfield, CA | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Victoria, TX | 1 | $ 8,000 | $ 8,000 | $ 91,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Williamsport, PA | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Yuba City, CA | 1 | $ 10,000 | $ 10,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2017
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 | 6,213 | $109,727,000 | $17,000 | $250,000 | $85,000 | $1,080,000 |
| Home Purchase | 648 | $168,357,000 | $259,000 | $1,161,000 | $98,000 | $900,000 |
| Refinancing | 265 | $60,090,000 | $226,000 | $979,000 | $94,000 | $326,000 |
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 | 4,911 | $250,212,000 | $50,000 | $1,161,000 | $90,000 | $1,080,000 |
| Not Provided | 871 | $41,835,000 | $48,000 | $979,000 | $83,000 | $900,000 |
| Black or African American | 675 | $15,577,000 | $23,000 | $365,000 | $71,000 | $276,000 |
| Hispanic | 512 | $22,252,000 | $43,000 | $424,000 | $76,000 | $355,000 |
| Asian | 109 | $6,689,000 | $61,000 | $374,000 | $97,000 | $425,000 |
| American Indian or Alaskan Native | 35 | $687,000 | $19,000 | $75,000 | $82,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $922,000 | $70,000 | $278,000 | $112,000 | $327,000 |
| 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) | 5,864 | $159,456,000 | $27,000 | $496,000 | $82,000 | $1,080,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,206 | $161,309,000 | $133,000 | $1,161,000 | $108,000 | $900,000 |
| VA-guaranteed (Veterans Administration) | 51 | $16,189,000 | $317,000 | $574,000 | $98,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,220,000 | $244,000 | $285,000 | $58,000 | $72,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,632 | $194,083,000 | $73,000 | $1,161,000 | $103,000 | $674,000 |
| Application Denied By Financial Institution | 2,343 | $58,959,000 | $25,000 | $479,000 | $66,000 | $1,080,000 |
| Application Withdrawn By Applicant | 1,979 | $44,582,000 | $22,000 | $664,000 | $88,000 | $784,000 |
| Application Approved But Not Accepted | 160 | $37,824,000 | $236,000 | $664,000 | $100,000 | $900,000 |
| File Closed For Incompleteness | 12 | $2,726,000 | $227,000 | $548,000 | $85,000 | $238,000 |
| 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 | 1,398 | $29,901,000 | $21,000 | $400,000 | $66,000 | $1,080,000 |
| Debt-To-Income Ratio | 771 | $19,564,000 | $25,000 | $479,000 | $61,000 | $261,000 |
| Collateral | 132 | $7,737,000 | $58,000 | $445,000 | $86,000 | $370,000 |
| Other | 25 | $738,000 | $29,000 | $285,000 | $88,000 | $252,000 |
| Employment History | 9 | $840,000 | $93,000 | $252,000 | $74,000 | $109,000 |
| Credit Application Incomplete | 5 | $108,000 | $21,000 | $25,000 | $86,000 | $187,000 |
| Unverifiable Information | 3 | $71,000 | $23,000 | $25,000 | $116,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2017 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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