Shoreham Bank Mortgage Lending & HMDA Data, 2020
In 2020, Shoreham Bank of Warwick, RI reported 4,543 mortgage applications totaling $554.8 million, down 3% from 2019. The average application was for $122,131, and applicants reported an average income of $108,230. 44% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Providence-Warwick, RI-MA (1,090), Cambridge-Newton-Framingham, MA (283) and Milwaukee-Waukesha-West Allis, WI (92) (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 | 4,543 |
| Total Mortgage Loan Application Amount | $554,845,000 |
| Average Mortgage Loan Application Amount | $122,131 |
| Highest Mortgage Loan Application Amount | $1,395,000 |
| Average Applicant Income | $108,230 |
| Highest Applicant Income | $1,416,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,090 | $ 276,470,000 | $ 253,642 | $ 117,693 |
| Outside any metro area | 636 | $ 19,730,000 | $ 31,022 | $ 89,585 |
| Cambridge-Newton-Framingham, MA | 283 | $ 93,045,000 | $ 328,780 | $ 130,000 |
| Milwaukee-Waukesha-West Allis, WI | 92 | $ 2,040,000 | $ 22,173 | $ 85,000 |
| Rockingham County-Strafford County, NH | 91 | $ 25,495,000 | $ 280,164 | $ 119,000 |
| Boston, MA | 87 | $ 23,375,000 | $ 268,678 | $ 138,000 |
| Worcester, MA-CT | 69 | $ 14,775,000 | $ 214,130 | $ 102,289 |
| Chicago-Naperville, IL | 63 | $ 1,545,000 | $ 24,523 | $ 109,000 |
| Tulsa, OK | 57 | $ 1,255,000 | $ 22,017 | $ 94,000 |
| Manchester-Nashua, NH | 50 | $ 12,000,000 | $ 240,000 | $ 99,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 1,035,000 | $ 24,069 | $ 144,000 |
| Dover, DE | 40 | $ 940,000 | $ 23,500 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 40 | $ 1,520,000 | $ 38,000 | $ 145,450 |
| Springfield, MA | 39 | $ 2,085,000 | $ 53,461 | $ 93,000 |
| Gary, IN | 38 | $ 810,000 | $ 21,315 | $ 92,000 |
| New York-Jersey City-White Plains, NY-NJ | 37 | $ 10,575,000 | $ 285,810 | $ 158,675 |
| Atlanta-Sandy Springs-Roswell, GA | 35 | $ 1,675,000 | $ 47,857 | $ 100,000 |
| Denver-Aurora-Lakewood, CO | 33 | $ 1,155,000 | $ 35,000 | $ 141,000 |
| Phoenix-Mesa-Scottsdale, AZ | 33 | $ 1,315,000 | $ 39,848 | $ 120,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 31 | $ 645,000 | $ 20,806 | $ 94,000 |
| Salisbury, MD-DE | 31 | $ 765,000 | $ 24,677 | $ 104,935 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 1,735,000 | $ 59,827 | $ 84,000 |
| Wilmington, DE-MD-NJ | 29 | $ 695,000 | $ 23,965 | $ 121,724 |
| Kansas City, MO-KS | 25 | $ 565,000 | $ 22,600 | $ 114,600 |
| Raleigh, NC | 24 | $ 510,000 | $ 21,250 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 23 | $ 525,000 | $ 22,826 | $ 91,000 |
| Pittsburgh, PA | 23 | $ 545,000 | $ 23,695 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 22 | $ 860,000 | $ 39,090 | $ 136,000 |
| New York-Newark, NY | 22 | $ 2,800,000 | $ 127,272 | $ 145,000 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 800,000 | $ 36,363 | $ 133,000 |
| Charlotte-Concord-Gastonia, NC-SC | 21 | $ 415,000 | $ 19,761 | $ 101,047 |
| St. Louis, MO-IL | 21 | $ 435,000 | $ 20,714 | $ 80,952 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 21 | $ 935,000 | $ 44,523 | $ 91,000 |
| Cleveland-Elyria, OH | 20 | $ 570,000 | $ 28,500 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 20 | $ 800,000 | $ 40,000 | $ 106,950 |
| Newark, NJ-PA | 19 | $ 1,235,000 | $ 65,000 | $ 151,210 |
| Lafayette, LA | 18 | $ 420,000 | $ 23,333 | $ 90,000 |
| Green Bay, WI | 17 | $ 375,000 | $ 22,058 | $ 63,000 |
| Jacksonville, FL | 17 | $ 635,000 | $ 37,352 | $ 66,000 |
| Little Rock-North Little Rock-Conway, AR | 17 | $ 325,000 | $ 19,117 | $ 79,000 |
| Racine, WI | 17 | $ 395,000 | $ 23,235 | $ 104,000 |
| Toledo, OH | 17 | $ 365,000 | $ 21,470 | $ 94,000 |
| Baton Rouge, LA | 16 | $ 390,000 | $ 24,375 | $ 98,000 |
| Nassau County-Suffolk County, NY | 16 | $ 2,820,000 | $ 176,250 | $ 131,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 800,000 | $ 50,000 | $ 102,000 |
| Wichita, KS | 16 | $ 320,000 | $ 20,000 | $ 90,000 |
| Camden, NJ | 15 | $ 345,000 | $ 23,000 | $ 128,000 |
| Durham-Chapel Hill, NC | 15 | $ 275,000 | $ 18,333 | $ 82,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 365,000 | $ 24,333 | $ 78,600 |
| Montgomery County-Bucks County-Chester County, PA | 15 | $ 685,000 | $ 45,666 | $ 126,000 |
| San Antonio-New Braunfels, TX | 15 | $ 855,000 | $ 57,000 | $ 150,000 |
| South Bend-Mishawaka, IN-MI | 15 | $ 255,000 | $ 17,000 | $ 67,000 |
| Warren-Troy-Farmington Hills, MI | 15 | $ 295,000 | $ 19,666 | $ 88,000 |
| Columbus, OH | 14 | $ 320,000 | $ 22,857 | $ 113,000 |
| Detroit-Dearborn-Livonia, MI | 14 | $ 300,000 | $ 21,428 | $ 74,000 |
| Greensboro-High Point, NC | 14 | $ 510,000 | $ 36,428 | $ 111,000 |
| Oklahoma City, OK | 14 | $ 340,000 | $ 24,285 | $ 120,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 280,000 | $ 20,000 | $ 96,928 |
| Colorado Springs, CO | 13 | $ 325,000 | $ 25,000 | $ 105,000 |
| Fayetteville, NC | 13 | $ 315,000 | $ 24,230 | $ 129,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 1,175,000 | $ 90,384 | $ 136,000 |
| Greenville-Anderson-Mauldin, SC | 13 | $ 265,000 | $ 20,384 | $ 75,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 315,000 | $ 24,230 | $ 131,000 |
| Lima, OH | 13 | $ 265,000 | $ 20,384 | $ 60,000 |
| Philadelphia, PA | 13 | $ 515,000 | $ 39,615 | $ 89,000 |
| Barnstable Town, MA | 12 | $ 2,980,000 | $ 248,333 | $ 156,000 |
| Spartanburg, SC | 12 | $ 230,000 | $ 19,166 | $ 87,000 |
| Winston-Salem, NC | 12 | $ 200,000 | $ 16,666 | $ 79,000 |
| Dallas-Plano-Irving, TX | 11 | $ 265,000 | $ 24,090 | $ 115,000 |
| Clarksville, TN-KY | 10 | $ 160,000 | $ 16,000 | $ 72,200 |
| Columbia, SC | 10 | $ 190,000 | $ 19,000 | $ 90,000 |
| Fort Wayne, IN | 10 | $ 210,000 | $ 21,000 | $ 54,000 |
| Lakeland-Winter Haven, FL | 10 | $ 200,000 | $ 20,000 | $ 82,000 |
| Longview, TX | 10 | $ 230,000 | $ 23,000 | $ 101,000 |
| Michigan City-La Porte, IN | 10 | $ 240,000 | $ 24,000 | $ 210,000 |
| Shreveport-Bossier City, LA | 10 | $ 260,000 | $ 26,000 | $ 94,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 255,000 | $ 28,333 | $ 66,000 |
| Bend-Redmond, OR | 9 | $ 225,000 | $ 25,000 | $ 201,000 |
| Las Vegas-Henderson-Paradise, NV | 9 | $ 165,000 | $ 18,333 | $ 95,000 |
| Mansfield, OH | 9 | $ 155,000 | $ 17,222 | $ 70,000 |
| Peoria, IL | 9 | $ 205,000 | $ 22,777 | $ 93,000 |
| Appleton, WI | 8 | $ 190,000 | $ 23,750 | $ 93,000 |
| Atlantic City-Hammonton, NJ | 8 | $ 180,000 | $ 22,500 | $ 95,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 620,000 | $ 77,500 | $ 101,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 300,000 | $ 37,500 | $ 88,000 |
| Oshkosh-Neenah, WI | 8 | $ 180,000 | $ 22,500 | $ 61,000 |
| Portland-South Portland, ME | 8 | $ 1,340,000 | $ 167,500 | $ 132,000 |
| Richmond, VA | 8 | $ 170,000 | $ 21,250 | $ 80,000 |
| Rocky Mount, NC | 8 | $ 170,000 | $ 21,250 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 530,000 | $ 66,250 | $ 96,375 |
| Cincinnati, OH-KY-IN | 7 | $ 145,000 | $ 20,714 | $ 117,571 |
| Des Moines-West Des Moines, IA | 7 | $ 175,000 | $ 25,000 | $ 160,000 |
| Elkhart-Goshen, IN | 7 | $ 105,000 | $ 15,000 | $ 73,000 |
| Greeley, CO | 7 | $ 165,000 | $ 23,571 | $ 99,000 |
| Madison, WI | 7 | $ 165,000 | $ 23,571 | $ 131,000 |
| New Haven-Milford, CT | 7 | $ 595,000 | $ 85,000 | $ 85,000 |
| Norwich-New London, CT | 7 | $ 1,335,000 | $ 190,714 | $ 130,000 |
| Ogden-Clearfield, UT | 7 | $ 185,000 | $ 26,428 | $ 112,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 165,000 | $ 23,571 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 145,000 | $ 20,714 | $ 96,000 |
| Tucson, AZ | 7 | $ 155,000 | $ 22,142 | $ 274,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 135,000 | $ 19,285 | $ 66,000 |
| Akron, OH | 6 | $ 120,000 | $ 20,000 | $ 67,000 |
| Albuquerque, NM | 6 | $ 300,000 | $ 50,000 | $ 86,000 |
| Bakersfield, CA | 6 | $ 140,000 | $ 23,333 | $ 126,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 830,000 | $ 138,333 | $ 154,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 150,000 | $ 25,000 | $ 70,666 |
| Dayton-Springfield-Kettering, OH | 6 | $ 440,000 | $ 73,333 | $ 124,000 |
| Goldsboro, NC | 6 | $ 120,000 | $ 20,000 | $ 78,000 |
| Houma-Thibodaux, LA | 6 | $ 140,000 | $ 23,333 | $ 130,000 |
| Monroe, LA | 6 | $ 130,000 | $ 21,666 | $ 93,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 340,000 | $ 56,666 | $ 88,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 1,240,000 | $ 206,666 | $ 90,000 |
| New Orleans-Metairie, LA | 6 | $ 130,000 | $ 21,666 | $ 114,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 130,000 | $ 21,666 | $ 174,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 150,000 | $ 25,000 | $ 135,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 6 | $ 250,000 | $ 41,666 | $ 81,000 |
| Sheboygan, WI | 6 | $ 150,000 | $ 25,000 | $ 73,000 |
| Spokane-Spokane Valley, WA | 6 | $ 150,000 | $ 25,000 | $ 158,000 |
| Austin-Round Rock, TX | 5 | $ 665,000 | $ 133,000 | $ 138,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 915,000 | $ 183,000 | $ 166,000 |
| Charleston, WV | 5 | $ 115,000 | $ 23,000 | $ 102,000 |
| Cheyenne, WY | 5 | $ 155,000 | $ 31,000 | $ 131,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 225,000 | $ 45,000 | $ 116,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 115,000 | $ 23,000 | $ 118,000 |
| Morgantown, WV | 5 | $ 115,000 | $ 23,000 | $ 119,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 495,000 | $ 99,000 | $ 92,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 125,000 | $ 25,000 | $ 161,000 |
| Pittsfield, MA | 5 | $ 265,000 | $ 53,000 | $ 68,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 115,000 | $ 23,000 | $ 131,000 |
| Pueblo, CO | 5 | $ 125,000 | $ 25,000 | $ 120,000 |
| Punta Gorda, FL | 5 | $ 415,000 | $ 83,000 | $ 103,000 |
| Redding, CA | 5 | $ 115,000 | $ 23,000 | $ 91,000 |
| Roanoke, VA | 5 | $ 85,000 | $ 17,000 | $ 83,000 |
| Rochester, NY | 5 | $ 95,000 | $ 19,000 | $ 75,000 |
| Salt Lake City, UT | 5 | $ 465,000 | $ 93,000 | $ 115,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 105,000 | $ 21,000 | $ 92,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 495,000 | $ 99,000 | $ 245,000 |
| Springfield, IL | 5 | $ 85,000 | $ 17,000 | $ 93,000 |
| Stockton-Lodi, CA | 5 | $ 115,000 | $ 23,000 | $ 106,000 |
| Tacoma-Lakewood, WA | 5 | $ 105,000 | $ 21,000 | $ 104,000 |
| Vineland-Bridgeton, NJ | 5 | $ 105,000 | $ 21,000 | $ 97,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 100,000 | $ 25,000 | $ 123,000 |
| Asheville, NC | 4 | $ 530,000 | $ 132,500 | $ 68,000 |
| Canton-Massillon, OH | 4 | $ 80,000 | $ 20,000 | $ 96,000 |
| Charleston-North Charleston, SC | 4 | $ 70,000 | $ 17,500 | $ 57,000 |
| Elgin, IL | 4 | $ 70,000 | $ 17,500 | $ 84,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 90,000 | $ 22,500 | $ 89,000 |
| Fond Du Lac, WI | 4 | $ 90,000 | $ 22,500 | $ 70,000 |
| Fort Worth-Arlington, TX | 4 | $ 60,000 | $ 15,000 | $ 102,000 |
| Greenville, NC | 4 | $ 60,000 | $ 15,000 | $ 94,000 |
| Jackson, TN | 4 | $ 100,000 | $ 25,000 | $ 87,000 |
| Jacksonville, NC | 4 | $ 50,000 | $ 12,500 | $ 85,000 |
| Lynchburg, VA | 4 | $ 60,000 | $ 15,000 | $ 110,000 |
| Muskegon, MI | 4 | $ 50,000 | $ 12,500 | $ 54,000 |
| Niles-Benton Harbor, MI | 4 | $ 60,000 | $ 15,000 | $ 61,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,150,000 | $ 287,500 | $ 113,000 |
| Syracuse, NY | 4 | $ 290,000 | $ 72,500 | $ 116,000 |
| Terre Haute, IN | 4 | $ 90,000 | $ 22,500 | $ 69,000 |
| Texarkana, TX-AR | 4 | $ 90,000 | $ 22,500 | $ 88,500 |
| Battle Creek, MI | 3 | $ 55,000 | $ 18,333 | $ 68,000 |
| Birmingham-Hoover, AL | 3 | $ 65,000 | $ 21,666 | $ 100,000 |
| Boise City, ID | 3 | $ 65,000 | $ 21,666 | $ 86,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 445,000 | $ 148,333 | $ 171,000 |
| Champaign-Urbana, IL | 3 | $ 75,000 | $ 25,000 | $ 103,000 |
| Coeur D'Alene, ID | 3 | $ 65,000 | $ 21,666 | $ 81,000 |
| East Stroudsburg, PA | 3 | $ 75,000 | $ 25,000 | $ 151,000 |
| Enid, OK | 3 | $ 65,000 | $ 21,666 | $ 94,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 75,000 | $ 25,000 | $ 51,000 |
| Flint, MI | 3 | $ 55,000 | $ 18,333 | $ 74,000 |
| Fort Smith, AR-OK | 3 | $ 75,000 | $ 25,000 | $ 107,333 |
| Fresno, CA | 3 | $ 75,000 | $ 25,000 | $ 150,000 |
| Gettysburg, PA | 3 | $ 75,000 | $ 25,000 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 45,000 | $ 15,000 | $ 77,000 |
| Homosassa Springs, FL | 3 | $ 95,000 | $ 31,666 | $ 48,000 |
| Kennewick-Richland, WA | 3 | $ 65,000 | $ 21,666 | $ 132,000 |
| Killeen-Temple, TX | 3 | $ 65,000 | $ 21,666 | $ 82,000 |
| Lake Charles, LA | 3 | $ 65,000 | $ 21,666 | $ 84,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 65,000 | $ 21,666 | $ 68,000 |
| Memphis, TN-MS-AR | 3 | $ 55,000 | $ 18,333 | $ 25,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 345,000 | $ 115,000 | $ 80,000 |
| Montgomery, AL | 3 | $ 65,000 | $ 21,666 | $ 54,000 |
| Ocean City, NJ | 3 | $ 165,000 | $ 55,000 | $ 164,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 75,000 | $ 25,000 | $ 84,000 |
| Reno, NV | 3 | $ 75,000 | $ 25,000 | $ 106,000 |
| Rochester, MN | 3 | $ 75,000 | $ 25,000 | $ 122,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 55,000 | $ 18,333 | $ 145,000 |
| Savannah, GA | 3 | $ 55,000 | $ 18,333 | $ 93,000 |
| Utica-Rome, NY | 3 | $ 55,000 | $ 18,333 | $ 104,000 |
| Visalia-Porterville, CA | 3 | $ 65,000 | $ 21,666 | $ 157,000 |
| Wausau, WI | 3 | $ 65,000 | $ 21,666 | $ 26,000 |
| Winchester, VA-WV | 3 | $ 55,000 | $ 18,333 | $ 96,666 |
| York-Hanover, PA | 3 | $ 75,000 | $ 25,000 | $ 97,000 |
| Yuba City, CA | 3 | $ 75,000 | $ 25,000 | $ 93,000 |
| Alexandria, LA | 2 | $ 50,000 | $ 25,000 | $ 104,000 |
| Beckley, WV | 2 | $ 50,000 | $ 25,000 | $ 69,000 |
| Billings, MT | 2 | $ 50,000 | $ 25,000 | $ 305,000 |
| Bloomington, IL | 2 | $ 40,000 | $ 20,000 | $ 76,000 |
| Brownsville-Harlingen, TX | 2 | $ 50,000 | $ 25,000 | $ 65,000 |
| Burlington, NC | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Carbondale-Marion, IL | 2 | $ 50,000 | $ 25,000 | $ 102,000 |
| Charlottesville, VA | 2 | $ 50,000 | $ 25,000 | $ 102,000 |
| Chattanooga, TN-GA | 2 | $ 30,000 | $ 15,000 | $ 50,000 |
| Columbus, GA-AL | 2 | $ 30,000 | $ 15,000 | $ 58,000 |
| Cumberland, MD-WV | 2 | $ 40,000 | $ 20,000 | $ 78,500 |
| El Centro, CA | 2 | $ 50,000 | $ 25,000 | $ 100,000 |
| Evansville, IN-KY | 2 | $ 40,000 | $ 20,000 | $ 65,000 |
| Flagstaff, AZ | 2 | $ 50,000 | $ 25,000 | $ 124,000 |
| Florence, SC | 2 | $ 40,000 | $ 20,000 | $ 107,000 |
| Fort Collins, CO | 2 | $ 50,000 | $ 25,000 | $ 226,000 |
| Harrisburg-Carlisle, PA | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 40,000 | $ 20,000 | $ 84,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 50,000 | $ 25,000 | $ 98,000 |
| Huntsville, AL | 2 | $ 50,000 | $ 25,000 | $ 146,000 |
| Janesville-Beloit, WI | 2 | $ 30,000 | $ 15,000 | $ 50,000 |
| Kalamazoo-Portage, MI | 2 | $ 40,000 | $ 20,000 | $ 51,000 |
| Knoxville, TN | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| Lafayette-West Lafayette, IN | 2 | $ 40,000 | $ 20,000 | $ 77,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 40,000 | $ 20,000 | $ 68,000 |
| Lancaster, PA | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| Madera, CA | 2 | $ 30,000 | $ 15,000 | $ 104,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 40,000 | $ 20,000 | $ 113,000 |
| Mobile, AL | 2 | $ 40,000 | $ 20,000 | $ 99,000 |
| Modesto, CA | 2 | $ 50,000 | $ 25,000 | $ 111,000 |
| Monroe, MI | 2 | $ 40,000 | $ 20,000 | $ 36,000 |
| New Bern, NC | 2 | $ 30,000 | $ 15,000 | $ 61,000 |
| Ocala, FL | 2 | $ 50,000 | $ 25,000 | $ 105,000 |
| Odessa, TX | 2 | $ 70,000 | $ 35,000 | $ 282,000 |
| Port St. Lucie, FL | 2 | $ 50,000 | $ 25,000 | $ 61,000 |
| Reading, PA | 2 | $ 50,000 | $ 25,000 | $ 152,000 |
| Rockford, IL | 2 | $ 40,000 | $ 20,000 | $ 102,000 |
| Sebastian-Vero Beach, FL | 2 | $ 310,000 | $ 155,000 | $ 64,000 |
| Sioux Falls, SD | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Springfield, OH | 2 | $ 50,000 | $ 25,000 | $ 95,000 |
| Staunton-Waynesboro, VA | 2 | $ 40,000 | $ 20,000 | $ 161,000 |
| Sumter, SC | 2 | $ 50,000 | $ 25,000 | $ 69,000 |
| Wilmington, NC | 2 | $ 460,000 | $ 230,000 | $ 36,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Amarillo, TX | 1 | $ 35,000 | $ 35,000 | $ 195,000 |
| Anchorage, AK | 1 | $ 25,000 | $ 25,000 | $ 200,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Athens-Clarke County, GA | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Auburn-Opelika, AL | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Beaumont-Port Arthur, TX | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Bloomington, IN | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Boulder, CO | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Bowling Green, KY | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Bremerton-Silverdale, WA | 1 | $ 15,000 | $ 15,000 | $ 116,000 |
| Brunswick, GA | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| California-Lexington Park, MD | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Cedar Rapids, IA | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Chico, CA | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Cleveland, TN | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Decatur, AL | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Duluth, MN-WI | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Erie, PA | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Eugene, OR | 1 | $ 25,000 | $ 25,000 | $ 180,000 |
| Fairbanks, AK | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Farmington, NM | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Gadsden, AL | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Grand Junction, CO | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Hanford-Corcoran, CA | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Jefferson City, MO | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Johnstown, PA | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Joplin, MO | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Kingston, NY | 1 | $ 25,000 | $ 25,000 | $ 550,000 |
| Lansing-East Lansing, MI | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Lincoln, NE | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Macon-Bibb County, GA | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Manhattan, KS | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Medford, OR | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Merced, CA | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Muncie, IN | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Pine Bluff, AR | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Salem, OR | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 25,000 | $ 25,000 | $ 226,000 |
| Santa Rosa, CA | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Sioux City, IA-NE-SD | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Springfield, MO | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| St. Cloud, MN | 1 | $ 25,000 | $ 25,000 | $ 142,000 |
| St. Joseph, MO-KS | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| The Villages, FL | 1 | $ 15,000 | $ 15,000 | $ 92,000 |
| Trenton, NJ | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Twin Falls, ID | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Tyler, TX | 1 | $ 25,000 | $ 25,000 | $ 181,000 |
| Urban Honolulu, HI | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Valdosta, GA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Watertown-Fort Drum, NY | 1 | $ 25,000 | $ 25,000 | $ 182,000 |
| Wheeling, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Williamsport, PA | 1 | $ 25,000 | $ 25,000 | $ 455,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2020
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 | 2,905 | $62,915,000 | $21,000 | $105,000 | $99,000 | $1,416,000 |
| Refinancing | 834 | $250,010,000 | $299,000 | $1,395,000 | $132,000 | $672,000 |
| Home Purchase | 521 | $158,805,000 | $304,000 | $1,245,000 | $112,000 | $1,194,000 |
| Cash-out Refinancing | 283 | $83,115,000 | $293,000 | $1,095,000 | $126,000 | $627,000 |
| 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 | 3,743 | $477,835,000 | $127,000 | $1,395,000 | $111,000 | $1,416,000 |
| Black or African American | 316 | $21,070,000 | $66,000 | $705,000 | $88,000 | $576,000 |
| Hispanic | 301 | $33,625,000 | $111,000 | $625,000 | $96,000 | $550,000 |
| Asian | 97 | $16,745,000 | $172,000 | $515,000 | $109,000 | $340,000 |
| Not Provided | 45 | $4,165,000 | $92,000 | $455,000 | $113,000 | $466,000 |
| American Indian or Alaskan Native | 39 | $995,000 | $25,000 | $155,000 | $109,000 | $838,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $410,000 | $205,000 | $395,000 | $147,000 | $163,000 |
| 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) | 3,076 | $115,570,000 | $37,000 | $705,000 | $98,000 | $1,416,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,424 | $420,680,000 | $295,000 | $1,395,000 | $130,000 | $1,194,000 |
| VA-guaranteed (Veterans Administration) | 43 | $18,595,000 | $432,000 | $1,015,000 | $108,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,018 | $397,920,000 | $197,000 | $1,245,000 | $120,000 | $786,000 |
| Application Withdrawn By Applicant | 1,302 | $99,990,000 | $76,000 | $1,395,000 | $113,000 | $1,416,000 |
| Application Denied By Financial Institution | 1,164 | $39,170,000 | $33,000 | $705,000 | $82,000 | $838,000 |
| File Closed For Incompleteness | 39 | $11,115,000 | $285,000 | $905,000 | $109,000 | $286,000 |
| Application Approved But Not Accepted | 20 | $6,650,000 | $332,000 | $525,000 | $127,000 | $324,000 |
| 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 | 3,379 | $515,675,000 | $152,000 | $1,395,000 | $117,000 | $1,416,000 |
| Credit History | 589 | $13,535,000 | $22,000 | $555,000 | $86,000 | $838,000 |
| Debt-To-Income Ratio | 495 | $13,955,000 | $28,000 | $705,000 | $73,000 | $576,000 |
| Collateral | 53 | $5,895,000 | $111,000 | $515,000 | $129,000 | $540,000 |
| Other | 10 | $850,000 | $85,000 | $285,000 | $106,000 | $226,000 |
| Employment History | 7 | $1,895,000 | $270,000 | $485,000 | $72,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,585,000 | $317,000 | $455,000 | $84,000 | $133,000 |
| Unverifiable Information | 5 | $1,455,000 | $291,000 | $595,000 | $87,000 | $147,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2020 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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