Shoreham Bank Mortgage Lending & HMDA Data, 2019
In 2019, Shoreham Bank of Warwick, RI reported 4,692 mortgage applications totaling $377.8 million, up 2% from 2018. The average application was for $80,526, and applicants reported an average income of $98,780. 40% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Providence-Warwick, RI-MA (779), Cambridge-Newton-Framingham, MA (176) and Milwaukee-Waukesha-West Allis, WI (108) (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 | 4,692 |
| Total Mortgage Loan Application Amount | $377,830,000 |
| Average Mortgage Loan Application Amount | $80,526 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $98,780 |
| Highest Applicant Income | $2,832,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 789 | $ 18,795,000 | $ 23,821 | $ 83,719 |
| Providence-Warwick, RI-MA | 779 | $ 171,295,000 | $ 219,890 | $ 106,258 |
| Cambridge-Newton-Framingham, MA | 176 | $ 49,490,000 | $ 281,193 | $ 113,000 |
| Milwaukee-Waukesha-West Allis, WI | 108 | $ 2,300,000 | $ 21,296 | $ 93,000 |
| Chicago-Naperville, IL | 94 | $ 2,640,000 | $ 28,085 | $ 103,000 |
| Los Angeles-Long Beach-Glendale, CA | 78 | $ 1,860,000 | $ 23,846 | $ 126,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 63 | $ 3,075,000 | $ 48,809 | $ 123,730 |
| Boston, MA | 62 | $ 14,850,000 | $ 239,516 | $ 115,000 |
| Rockingham County-Strafford County, NH | 62 | $ 14,620,000 | $ 235,806 | $ 152,000 |
| Tulsa, OK | 58 | $ 1,340,000 | $ 23,103 | $ 97,000 |
| Atlanta-Sandy Springs-Roswell, GA | 56 | $ 1,770,000 | $ 31,607 | $ 80,000 |
| New York-Jersey City-White Plains, NY-NJ | 49 | $ 6,555,000 | $ 133,775 | $ 140,428 |
| Phoenix-Mesa-Scottsdale, AZ | 49 | $ 1,165,000 | $ 23,775 | $ 128,000 |
| Worcester, MA-CT | 48 | $ 9,440,000 | $ 196,666 | $ 89,500 |
| Kansas City, MO-KS | 45 | $ 905,000 | $ 20,111 | $ 80,222 |
| Raleigh, NC | 44 | $ 1,000,000 | $ 22,727 | $ 106,000 |
| Gary, IN | 43 | $ 895,000 | $ 20,813 | $ 86,000 |
| Manchester-Nashua, NH | 41 | $ 8,575,000 | $ 209,146 | $ 99,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 38 | $ 1,220,000 | $ 32,105 | $ 91,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 1,555,000 | $ 42,027 | $ 75,000 |
| Salisbury, MD-DE | 35 | $ 805,000 | $ 23,000 | $ 109,200 |
| Lafayette, LA | 32 | $ 680,000 | $ 21,250 | $ 98,000 |
| Baltimore-Columbia-Towson, MD | 31 | $ 1,395,000 | $ 45,000 | $ 106,000 |
| Greenville-Anderson-Mauldin, SC | 30 | $ 880,000 | $ 29,333 | $ 75,000 |
| Wichita, KS | 29 | $ 595,000 | $ 20,517 | $ 82,000 |
| Elkhart-Goshen, IN | 28 | $ 550,000 | $ 19,642 | $ 79,000 |
| Indianapolis-Carmel-Anderson, IN | 28 | $ 620,000 | $ 22,142 | $ 104,000 |
| Pittsburgh, PA | 26 | $ 590,000 | $ 22,692 | $ 100,000 |
| Orlando-Kissimmee-Sanford, FL | 25 | $ 535,000 | $ 21,400 | $ 87,000 |
| Toledo, OH | 25 | $ 485,000 | $ 19,400 | $ 74,000 |
| Wilmington, DE-MD-NJ | 25 | $ 675,000 | $ 27,000 | $ 109,200 |
| Columbus, OH | 24 | $ 470,000 | $ 19,583 | $ 93,000 |
| Houston-The Woodlands-Sugar Land, TX | 24 | $ 560,000 | $ 23,333 | $ 109,000 |
| Springfield, MA | 24 | $ 1,360,000 | $ 56,666 | $ 105,000 |
| New York-Newark, NY | 23 | $ 1,025,000 | $ 44,565 | $ 92,826 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 505,000 | $ 21,956 | $ 114,000 |
| Clarksville, TN-KY | 22 | $ 510,000 | $ 23,181 | $ 90,000 |
| Nassau County-Suffolk County, NY | 21 | $ 2,495,000 | $ 118,809 | $ 145,000 |
| South Bend-Mishawaka, IN-MI | 21 | $ 375,000 | $ 17,857 | $ 56,238 |
| Camden, NJ | 20 | $ 760,000 | $ 38,000 | $ 106,000 |
| Newark, NJ-PA | 20 | $ 650,000 | $ 32,500 | $ 135,000 |
| Omaha-Council Bluffs, NE-IA | 20 | $ 330,000 | $ 16,500 | $ 82,050 |
| Warren-Troy-Farmington Hills, MI | 20 | $ 420,000 | $ 21,000 | $ 88,000 |
| Cleveland-Elyria, OH | 19 | $ 385,000 | $ 20,263 | $ 149,000 |
| Dover, DE | 19 | $ 445,000 | $ 23,421 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 380,000 | $ 21,111 | $ 95,777 |
| San Diego-Carlsbad, CA | 18 | $ 420,000 | $ 23,333 | $ 149,000 |
| St. Louis, MO-IL | 18 | $ 440,000 | $ 24,444 | $ 89,222 |
| Charlotte-Concord-Gastonia, NC-SC | 17 | $ 605,000 | $ 35,588 | $ 91,352 |
| Las Vegas-Henderson-Paradise, NV | 17 | $ 375,000 | $ 22,058 | $ 93,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 17 | $ 335,000 | $ 19,705 | $ 158,000 |
| Bridgeport-Stamford-Norwalk, CT | 16 | $ 4,570,000 | $ 285,625 | $ 133,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 380,000 | $ 23,750 | $ 118,000 |
| Oklahoma City, OK | 16 | $ 310,000 | $ 19,375 | $ 90,000 |
| Detroit-Dearborn-Livonia, MI | 15 | $ 305,000 | $ 20,333 | $ 72,000 |
| Racine, WI | 15 | $ 345,000 | $ 23,000 | $ 101,000 |
| Winston-Salem, NC | 14 | $ 290,000 | $ 20,714 | $ 65,000 |
| Dallas-Plano-Irving, TX | 13 | $ 305,000 | $ 23,461 | $ 119,000 |
| Davenport-Moline-Rock Island, IA-IL | 13 | $ 295,000 | $ 22,692 | $ 89,923 |
| Lima, OH | 13 | $ 295,000 | $ 22,692 | $ 71,000 |
| Philadelphia, PA | 13 | $ 445,000 | $ 34,230 | $ 86,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 315,000 | $ 24,230 | $ 120,384 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 280,000 | $ 23,333 | $ 106,333 |
| Denver-Aurora-Lakewood, CO | 12 | $ 520,000 | $ 43,333 | $ 77,000 |
| Durham-Chapel Hill, NC | 12 | $ 210,000 | $ 17,500 | $ 94,000 |
| Fort Wayne, IN | 12 | $ 260,000 | $ 21,666 | $ 69,000 |
| Green Bay, WI | 12 | $ 220,000 | $ 18,333 | $ 59,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,010,000 | $ 167,500 | $ 149,000 |
| Peoria, IL | 12 | $ 220,000 | $ 18,333 | $ 131,000 |
| Baton Rouge, LA | 11 | $ 265,000 | $ 24,090 | $ 125,000 |
| Cincinnati, OH-KY-IN | 11 | $ 215,000 | $ 19,545 | $ 102,909 |
| Columbia, SC | 11 | $ 265,000 | $ 24,090 | $ 73,000 |
| Greensboro-High Point, NC | 11 | $ 205,000 | $ 18,636 | $ 68,000 |
| Lincoln, NE | 11 | $ 195,000 | $ 17,727 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 235,000 | $ 21,363 | $ 103,000 |
| Tacoma-Lakewood, WA | 11 | $ 165,000 | $ 15,000 | $ 94,000 |
| Appleton, WI | 10 | $ 200,000 | $ 20,000 | $ 54,000 |
| Atlantic City-Hammonton, NJ | 10 | $ 180,000 | $ 18,000 | $ 107,000 |
| Bakersfield, CA | 10 | $ 240,000 | $ 24,000 | $ 315,000 |
| Fond Du Lac, WI | 10 | $ 210,000 | $ 21,000 | $ 55,000 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 670,000 | $ 67,000 | $ 120,000 |
| Portland-South Portland, ME | 10 | $ 1,890,000 | $ 189,000 | $ 125,000 |
| Austin-Round Rock, TX | 9 | $ 1,315,000 | $ 146,111 | $ 162,000 |
| Chattanooga, TN-GA | 9 | $ 185,000 | $ 20,555 | $ 63,777 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 215,000 | $ 23,888 | $ 79,000 |
| Michigan City-La Porte, IN | 9 | $ 205,000 | $ 22,777 | $ 55,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 385,000 | $ 42,777 | $ 96,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 745,000 | $ 82,777 | $ 93,000 |
| Richmond, VA | 9 | $ 205,000 | $ 22,777 | $ 69,000 |
| Rochester, NY | 9 | $ 285,000 | $ 31,666 | $ 79,000 |
| Sheboygan, WI | 9 | $ 175,000 | $ 19,444 | $ 50,000 |
| Terre Haute, IN | 9 | $ 185,000 | $ 20,555 | $ 55,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 1,005,000 | $ 111,666 | $ 122,000 |
| Amarillo, TX | 8 | $ 200,000 | $ 25,000 | $ 94,000 |
| Charleston-North Charleston, SC | 8 | $ 200,000 | $ 25,000 | $ 78,000 |
| Des Moines-West Des Moines, IA | 8 | $ 140,000 | $ 17,500 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 190,000 | $ 23,750 | $ 95,000 |
| Hickory-Lenoir-Morganton, NC | 8 | $ 180,000 | $ 22,500 | $ 62,000 |
| Lakeland-Winter Haven, FL | 8 | $ 190,000 | $ 23,750 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 190,000 | $ 23,750 | $ 82,000 |
| Memphis, TN-MS-AR | 8 | $ 180,000 | $ 22,500 | $ 70,500 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 180,000 | $ 22,500 | $ 59,000 |
| Monroe, LA | 8 | $ 110,000 | $ 13,750 | $ 67,000 |
| Niles-Benton Harbor, MI | 8 | $ 150,000 | $ 18,750 | $ 61,000 |
| Norwich-New London, CT | 8 | $ 530,000 | $ 66,250 | $ 74,000 |
| Ocala, FL | 8 | $ 130,000 | $ 16,250 | $ 71,000 |
| Oshkosh-Neenah, WI | 8 | $ 160,000 | $ 20,000 | $ 45,000 |
| Rocky Mount, NC | 8 | $ 190,000 | $ 23,750 | $ 69,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 8 | $ 160,000 | $ 20,000 | $ 96,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 160,000 | $ 20,000 | $ 78,000 |
| Asheville, NC | 7 | $ 165,000 | $ 23,571 | $ 119,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 315,000 | $ 45,000 | $ 92,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 155,000 | $ 22,142 | $ 191,000 |
| Evansville, IN-KY | 7 | $ 115,000 | $ 16,428 | $ 51,571 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 155,000 | $ 22,142 | $ 92,714 |
| Homosassa Springs, FL | 7 | $ 145,000 | $ 20,714 | $ 85,000 |
| Houma-Thibodaux, LA | 7 | $ 155,000 | $ 22,142 | $ 85,000 |
| Jackson, TN | 7 | $ 165,000 | $ 23,571 | $ 53,000 |
| Jacksonville, FL | 7 | $ 185,000 | $ 26,428 | $ 94,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 395,000 | $ 56,428 | $ 79,000 |
| Naples-Immokalee-Marco Island, FL | 7 | $ 1,825,000 | $ 260,714 | $ 282,000 |
| New Haven-Milford, CT | 7 | $ 515,000 | $ 73,571 | $ 125,000 |
| New Orleans-Metairie, LA | 7 | $ 135,000 | $ 19,285 | $ 108,000 |
| Ogden-Clearfield, UT | 7 | $ 155,000 | $ 22,142 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 235,000 | $ 33,571 | $ 75,714 |
| Reno, NV | 7 | $ 255,000 | $ 36,428 | $ 93,000 |
| Trenton, NJ | 7 | $ 115,000 | $ 16,428 | $ 117,000 |
| Akron, OH | 6 | $ 120,000 | $ 20,000 | $ 78,000 |
| Champaign-Urbana, IL | 6 | $ 140,000 | $ 23,333 | $ 78,000 |
| Charleston, WV | 6 | $ 140,000 | $ 23,333 | $ 88,000 |
| Dayton-Springfield-Kettering, OH | 6 | $ 450,000 | $ 75,000 | $ 93,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 110,000 | $ 18,333 | $ 85,000 |
| Lake Charles, LA | 6 | $ 140,000 | $ 23,333 | $ 91,000 |
| Lexington-Fayette, KY | 6 | $ 130,000 | $ 21,666 | $ 71,000 |
| Lubbock, TX | 6 | $ 150,000 | $ 25,000 | $ 98,000 |
| Mansfield, OH | 6 | $ 100,000 | $ 16,666 | $ 54,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 150,000 | $ 25,000 | $ 58,000 |
| Modesto, CA | 6 | $ 90,000 | $ 15,000 | $ 84,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 130,000 | $ 21,666 | $ 72,000 |
| Pine Bluff, AR | 6 | $ 100,000 | $ 16,666 | $ 66,000 |
| Shreveport-Bossier City, LA | 6 | $ 330,000 | $ 55,000 | $ 79,000 |
| Sioux City, IA-NE-SD | 6 | $ 90,000 | $ 15,000 | $ 68,333 |
| Washington-Baltimore-Arlington, DC | 6 | $ 120,000 | $ 20,000 | $ 139,000 |
| Yakima, WA | 6 | $ 140,000 | $ 23,333 | $ 97,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 115,000 | $ 23,000 | $ 108,000 |
| Albuquerque, NM | 5 | $ 245,000 | $ 49,000 | $ 118,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 125,000 | $ 25,000 | $ 148,000 |
| Brownsville-Harlingen, TX | 5 | $ 125,000 | $ 25,000 | $ 93,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 115,000 | $ 23,000 | $ 84,000 |
| Charlottesville, VA | 5 | $ 95,000 | $ 19,000 | $ 112,000 |
| Elgin, IL | 5 | $ 115,000 | $ 23,000 | $ 103,000 |
| Fort Worth-Arlington, TX | 5 | $ 125,000 | $ 25,000 | $ 122,000 |
| Fresno, CA | 5 | $ 95,000 | $ 19,000 | $ 177,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 115,000 | $ 23,000 | $ 76,000 |
| Madison, WI | 5 | $ 115,000 | $ 23,000 | $ 102,000 |
| Morgantown, WV | 5 | $ 125,000 | $ 25,000 | $ 135,000 |
| Ocean City, NJ | 5 | $ 575,000 | $ 115,000 | $ 168,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 115,000 | $ 23,000 | $ 134,000 |
| Reading, PA | 5 | $ 125,000 | $ 25,000 | $ 141,000 |
| Redding, CA | 5 | $ 115,000 | $ 23,000 | $ 108,000 |
| Salt Lake City, UT | 5 | $ 455,000 | $ 91,000 | $ 90,000 |
| Savannah, GA | 5 | $ 105,000 | $ 21,000 | $ 102,000 |
| Springfield, MO | 5 | $ 95,000 | $ 19,000 | $ 86,000 |
| Stockton-Lodi, CA | 5 | $ 115,000 | $ 23,000 | $ 111,000 |
| Beaumont-Port Arthur, TX | 4 | $ 100,000 | $ 25,000 | $ 106,000 |
| Boise City, ID | 4 | $ 90,000 | $ 22,500 | $ 36,000 |
| California-Lexington Park, MD | 4 | $ 310,000 | $ 77,500 | $ 75,000 |
| Carbondale-Marion, IL | 4 | $ 80,000 | $ 20,000 | $ 76,000 |
| Colorado Springs, CO | 4 | $ 80,000 | $ 20,000 | $ 110,000 |
| East Stroudsburg, PA | 4 | $ 90,000 | $ 22,500 | $ 97,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 100,000 | $ 25,000 | $ 110,000 |
| Flint, MI | 4 | $ 90,000 | $ 22,500 | $ 60,000 |
| Gettysburg, PA | 4 | $ 90,000 | $ 22,500 | $ 108,000 |
| Glens Falls, NY | 4 | $ 90,000 | $ 22,500 | $ 72,000 |
| Grand Island, NE | 4 | $ 70,000 | $ 17,500 | $ 68,000 |
| Greenville, NC | 4 | $ 70,000 | $ 17,500 | $ 80,000 |
| Knoxville, TN | 4 | $ 50,000 | $ 12,500 | $ 36,000 |
| Provo-Orem, UT | 4 | $ 90,000 | $ 22,500 | $ 61,000 |
| Roanoke, VA | 4 | $ 60,000 | $ 15,000 | $ 79,000 |
| Rockford, IL | 4 | $ 90,000 | $ 22,500 | $ 122,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 70,000 | $ 17,500 | $ 160,000 |
| Spartanburg, SC | 4 | $ 90,000 | $ 22,500 | $ 88,000 |
| Springfield, IL | 4 | $ 100,000 | $ 25,000 | $ 73,000 |
| St. Joseph, MO-KS | 4 | $ 280,000 | $ 70,000 | $ 65,000 |
| Tucson, AZ | 4 | $ 60,000 | $ 15,000 | $ 82,000 |
| Visalia-Porterville, CA | 4 | $ 90,000 | $ 22,500 | $ 99,000 |
| Barnstable Town, MA | 3 | $ 525,000 | $ 175,000 | $ 235,000 |
| Canton-Massillon, OH | 3 | $ 95,000 | $ 31,666 | $ 79,000 |
| Cumberland, MD-WV | 3 | $ 45,000 | $ 15,000 | $ 74,666 |
| Flagstaff, AZ | 3 | $ 55,000 | $ 18,333 | $ 78,000 |
| Hammond, LA | 3 | $ 75,000 | $ 25,000 | $ 162,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 65,000 | $ 21,666 | $ 138,000 |
| Lynchburg, VA | 3 | $ 25,000 | $ 8,333 | $ 101,000 |
| Monroe, MI | 3 | $ 55,000 | $ 18,333 | $ 60,000 |
| Napa, CA | 3 | $ 55,000 | $ 18,333 | $ 206,000 |
| New Bern, NC | 3 | $ 75,000 | $ 25,000 | $ 101,000 |
| Parkersburg-Vienna, WV | 3 | $ 75,000 | $ 25,000 | $ 68,000 |
| San Antonio-New Braunfels, TX | 3 | $ 45,000 | $ 15,000 | $ 78,000 |
| Sioux Falls, SD | 3 | $ 55,000 | $ 18,333 | $ 72,000 |
| Spokane-Spokane Valley, WA | 3 | $ 65,000 | $ 21,666 | $ 88,000 |
| Syracuse, NY | 3 | $ 35,000 | $ 11,666 | $ 71,000 |
| Tallahassee, FL | 3 | $ 55,000 | $ 18,333 | $ 45,000 |
| Topeka, KS | 3 | $ 75,000 | $ 25,000 | $ 97,000 |
| Vallejo-Fairfield, CA | 3 | $ 65,000 | $ 21,666 | $ 109,000 |
| Vineland-Bridgeton, NJ | 3 | $ 45,000 | $ 15,000 | $ 99,000 |
| Williamsport, PA | 3 | $ 65,000 | $ 21,666 | $ 86,000 |
| Wilmington, NC | 3 | $ 475,000 | $ 158,333 | $ 66,000 |
| Winchester, VA-WV | 3 | $ 65,000 | $ 21,666 | $ 81,333 |
| York-Hanover, PA | 3 | $ 55,000 | $ 18,333 | $ 105,000 |
| Ames, IA | 2 | $ 30,000 | $ 15,000 | $ 111,000 |
| Beckley, WV | 2 | $ 50,000 | $ 25,000 | $ 83,000 |
| Binghamton, NY | 2 | $ 50,000 | $ 25,000 | $ 57,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 40,000 | $ 20,000 | $ 79,000 |
| Bloomington, IN | 2 | $ 80,000 | $ 40,000 | $ 94,000 |
| Burlington, NC | 2 | $ 40,000 | $ 20,000 | $ 102,000 |
| Cheyenne, WY | 2 | $ 50,000 | $ 25,000 | $ 105,000 |
| Chico, CA | 2 | $ 50,000 | $ 25,000 | $ 90,000 |
| Columbia, MO | 2 | $ 40,000 | $ 20,000 | $ 131,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Decatur, IL | 2 | $ 50,000 | $ 25,000 | $ 34,000 |
| Duluth, MN-WI | 2 | $ 40,000 | $ 20,000 | $ 82,000 |
| El Paso, TX | 2 | $ 50,000 | $ 25,000 | $ 105,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 50,000 | $ 25,000 | $ 109,000 |
| Enid, OK | 2 | $ 40,000 | $ 20,000 | $ 82,000 |
| Fayetteville, NC | 2 | $ 50,000 | $ 25,000 | $ 134,000 |
| Fort Smith, AR-OK | 2 | $ 40,000 | $ 20,000 | $ 117,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 40,000 | $ 20,000 | $ 100,000 |
| Hot Springs, AR | 2 | $ 30,000 | $ 15,000 | $ 64,000 |
| Jacksonville, NC | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Joplin, MO | 2 | $ 50,000 | $ 25,000 | $ 57,000 |
| Killeen-Temple, TX | 2 | $ 40,000 | $ 20,000 | $ 62,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 60,000 | $ 30,000 | $ 91,000 |
| Kokomo, IN | 2 | $ 40,000 | $ 20,000 | $ 63,000 |
| Lansing-East Lansing, MI | 2 | $ 30,000 | $ 15,000 | $ 58,000 |
| Lawrence, KS | 2 | $ 50,000 | $ 25,000 | $ 157,000 |
| Lebanon, PA | 2 | $ 40,000 | $ 20,000 | $ 56,000 |
| Macon-Bibb County, GA | 2 | $ 40,000 | $ 20,000 | $ 39,000 |
| Manhattan, KS | 2 | $ 40,000 | $ 20,000 | $ 125,000 |
| Montgomery, AL | 2 | $ 30,000 | $ 15,000 | $ 24,000 |
| Odessa, TX | 2 | $ 50,000 | $ 25,000 | $ 38,000 |
| Owensboro, KY | 2 | $ 50,000 | $ 25,000 | $ 89,000 |
| Port St. Lucie, FL | 2 | $ 50,000 | $ 25,000 | $ 138,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 50,000 | $ 25,000 | $ 146,000 |
| Salinas, CA | 2 | $ 50,000 | $ 25,000 | $ 65,000 |
| San Rafael, CA | 2 | $ 40,000 | $ 20,000 | $ 338,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 30,000 | $ 15,000 | $ 135,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 30,000 | $ 15,000 | $ 107,000 |
| Tyler, TX | 2 | $ 50,000 | $ 25,000 | $ 127,000 |
| Urban Honolulu, HI | 2 | $ 50,000 | $ 25,000 | $ 179,000 |
| Valdosta, GA | 2 | $ 40,000 | $ 20,000 | $ 130,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 50,000 | $ 25,000 | $ 92,000 |
| Wheeling, WV-OH | 2 | $ 50,000 | $ 25,000 | $ 119,000 |
| Yuba City, CA | 2 | $ 50,000 | $ 25,000 | $ 94,000 |
| Yuma, AZ | 2 | $ 40,000 | $ 20,000 | $ 118,000 |
| Abilene, TX | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Albany, GA | 1 | $ 15,000 | $ 15,000 | $ 107,000 |
| Alexandria, LA | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Anchorage, AK | 1 | $ 25,000 | $ 25,000 | $ 244,000 |
| Ann Arbor, MI | 1 | $ 15,000 | $ 15,000 | $ 99,000 |
| Athens-Clarke County, GA | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Bay City, MI | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Billings, MT | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Birmingham-Hoover, AL | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Bloomington, IL | 1 | $ 5,000 | $ 5,000 | $ 84,000 |
| Bowling Green, KY | 1 | $ 5,000 | $ 5,000 | $ 165,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Brunswick, GA | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Burlington-South Burlington, VT | 1 | $ 15,000 | $ 15,000 | $ 172,000 |
| Casper, WY | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Cedar Rapids, IA | 1 | $ 15,000 | $ 15,000 | $ 172,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 15,000 | $ 15,000 | $ 116,000 |
| Coeur D'Alene, ID | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| College Station-Bryan, TX | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Columbus, GA-AL | 1 | $ 25,000 | $ 25,000 | $ 153,000 |
| Danville, IL | 1 | $ 35,000 | $ 35,000 | $ 83,000 |
| Eau Claire, WI | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| El Centro, CA | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Elmira, NY | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Fargo, ND-MN | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Fort Collins, CO | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Gadsden, AL | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Grand Forks, ND-MN | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Grand Junction, CO | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Greeley, CO | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Hanford-Corcoran, CA | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Huntsville, AL | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Iowa City, IA | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Jackson, MI | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Jefferson City, MO | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Johnstown, PA | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Kankakee, IL | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Kennewick-Richland, WA | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Lafayette-West Lafayette, IN | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Lancaster, PA | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Las Cruces, NM | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Lewiston-Auburn, ME | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Logan, UT-ID | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Longview, TX | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Madera, CA | 1 | $ 25,000 | $ 25,000 | $ 145,000 |
| Medford, OR | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Morristown, TN | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Muncie, IN | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Muskegon, MI | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Olympia-Tumwater, WA | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Pueblo, CO | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Punta Gorda, FL | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Rapid City, SD | 1 | $ 25,000 | $ 25,000 | $ 235,000 |
| Rome, GA | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Salem, OR | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 25,000 | $ 25,000 | $ 264,000 |
| Santa Rosa, CA | 1 | $ 15,000 | $ 15,000 | $ 151,000 |
| Sebastian-Vero Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 123,000 |
| Sebring, FL | 1 | $ 5,000 | $ 5,000 | $ 73,000 |
| St. Cloud, MN | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| St. George, UT | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Staunton-Waynesboro, VA | 1 | $ 15,000 | $ 15,000 | $ 216,000 |
| Sumter, SC | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Tuscaloosa, AL | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Utica-Rome, NY | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Walla Walla, WA | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Watertown-Fort Drum, NY | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Wenatchee, WA | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2019
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 | 3,649 | $78,265,000 | $21,000 | $185,000 | $94,000 | $2,350,000 |
| Home Purchase | 613 | $177,875,000 | $290,000 | $1,175,000 | $115,000 | $2,832,000 |
| Refinancing | 259 | $75,505,000 | $291,000 | $605,000 | $121,000 | $838,000 |
| Cash-out Refinancing | 171 | $46,185,000 | $270,000 | $1,055,000 | $109,000 | $480,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,689 | $298,285,000 | $80,000 | $1,175,000 | $101,000 | $2,832,000 |
| Hispanic | 395 | $28,575,000 | $72,000 | $595,000 | $86,000 | $390,000 |
| Black or African American | 369 | $19,075,000 | $51,000 | $455,000 | $84,000 | $298,000 |
| Asian | 113 | $19,115,000 | $169,000 | $755,000 | $130,000 | $366,000 |
| Not Provided | 92 | $11,090,000 | $120,000 | $565,000 | $98,000 | $300,000 |
| American Indian or Alaskan Native | 23 | $1,285,000 | $55,000 | $345,000 | $104,000 | $285,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $390,000 | $39,000 | $175,000 | $118,000 | $254,000 |
| 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) | 3,853 | $134,145,000 | $34,000 | $605,000 | $94,000 | $2,832,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 795 | $228,445,000 | $287,000 | $1,175,000 | $121,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 41 | $14,585,000 | $355,000 | $605,000 | $99,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $655,000 | $218,000 | $225,000 | $73,000 | $84,000 |
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 | 1,862 | $236,090,000 | $126,000 | $805,000 | $108,000 | $669,000 |
| Application Denied By Financial Institution | 1,354 | $41,450,000 | $30,000 | $925,000 | $78,000 | $2,832,000 |
| Application Withdrawn By Applicant | 1,256 | $36,560,000 | $29,000 | $755,000 | $105,000 | $2,350,000 |
| File Closed For Incompleteness | 201 | $57,995,000 | $288,000 | $1,175,000 | $113,000 | $838,000 |
| Application Approved But Not Accepted | 19 | $5,735,000 | $301,000 | $485,000 | $134,000 | $326,000 |
| 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 | 3,338 | $336,380,000 | $100,000 | $1,175,000 | $107,000 | $2,350,000 |
| Debt-To-Income Ratio | 644 | $19,700,000 | $30,000 | $925,000 | $71,000 | $1,000,000 |
| Credit History | 632 | $14,590,000 | $23,000 | $325,000 | $77,000 | $864,000 |
| Collateral | 60 | $3,160,000 | $52,000 | $375,000 | $116,000 | $599,000 |
| Other | 7 | $1,425,000 | $203,000 | $285,000 | $484,000 | $2,832,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,605,000 | $229,000 | $385,000 | $87,000 | $121,000 |
| Unverifiable Information | 2 | $570,000 | $285,000 | $315,000 | $63,000 | $66,000 |
| Mortgage Insurance Denied | 1 | $25,000 | $25,000 | $25,000 | $132,000 | $132,000 |
| Employment History | 1 | $375,000 | $375,000 | $375,000 | $99,000 | $99,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2019 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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