Shoreham Bank Mortgage Lending & HMDA Data, 2021
In 2021, Shoreham Bank of Warwick, RI reported 3,178 mortgage applications totaling $398.8 million, down 30% from 2020. The average application was for $125,500, and applicants reported an average income of $104,398. 46% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Providence-Warwick, RI-MA (759), Cambridge-Newton-Framingham, MA (184) and Rockingham County-Strafford County, NH (67) (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 | 3,178 |
| Total Mortgage Loan Application Amount | $398,840,000 |
| Average Mortgage Loan Application Amount | $125,500 |
| Highest Mortgage Loan Application Amount | $2,325,000 |
| Average Applicant Income | $104,398 |
| Highest Applicant Income | $2,316,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 759 | $ 196,415,000 | $ 258,781 | $ 115,943 |
| Outside any metro area | 401 | $ 17,335,000 | $ 43,229 | $ 96,850 |
| Cambridge-Newton-Framingham, MA | 184 | $ 61,270,000 | $ 332,989 | $ 114,000 |
| Rockingham County-Strafford County, NH | 67 | $ 21,345,000 | $ 318,582 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 1,310,000 | $ 24,259 | $ 95,000 |
| New York-Jersey City-White Plains, NY-NJ | 53 | $ 12,545,000 | $ 236,698 | $ 131,301 |
| Tulsa, OK | 49 | $ 1,145,000 | $ 23,367 | $ 103,000 |
| Chicago-Naperville, IL | 47 | $ 1,395,000 | $ 29,680 | $ 99,000 |
| Manchester-Nashua, NH | 44 | $ 11,810,000 | $ 268,409 | $ 92,000 |
| Salisbury, MD-DE | 44 | $ 1,060,000 | $ 24,090 | $ 87,409 |
| Worcester, MA-CT | 44 | $ 5,860,000 | $ 133,181 | $ 101,954 |
| Atlanta-Sandy Springs-Roswell, GA | 43 | $ 1,725,000 | $ 40,116 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 36 | $ 1,780,000 | $ 49,444 | $ 96,000 |
| Boston, MA | 33 | $ 9,945,000 | $ 301,363 | $ 121,000 |
| Dover, DE | 33 | $ 795,000 | $ 24,090 | $ 89,000 |
| Phoenix-Mesa-Scottsdale, AZ | 27 | $ 915,000 | $ 33,888 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 625,000 | $ 23,148 | $ 128,333 |
| Baltimore-Columbia-Towson, MD | 25 | $ 575,000 | $ 23,000 | $ 128,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 735,000 | $ 29,400 | $ 88,000 |
| Charlotte-Concord-Gastonia, NC-SC | 24 | $ 810,000 | $ 33,750 | $ 115,041 |
| New York-Newark, NY | 23 | $ 2,075,000 | $ 90,217 | $ 98,173 |
| Newark, NJ-PA | 22 | $ 590,000 | $ 26,818 | $ 104,090 |
| Detroit-Dearborn-Livonia, MI | 18 | $ 420,000 | $ 23,333 | $ 64,000 |
| Kansas City, MO-KS | 18 | $ 370,000 | $ 20,555 | $ 109,333 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 2,160,000 | $ 120,000 | $ 104,000 |
| St. Louis, MO-IL | 18 | $ 430,000 | $ 23,888 | $ 112,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 18 | $ 1,090,000 | $ 60,555 | $ 78,666 |
| Cape Coral-Fort Myers, FL | 17 | $ 695,000 | $ 40,882 | $ 96,000 |
| Gary, IN | 17 | $ 385,000 | $ 22,647 | $ 78,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 415,000 | $ 24,411 | $ 90,000 |
| Greensboro-High Point, NC | 16 | $ 490,000 | $ 30,625 | $ 83,000 |
| Jacksonville, FL | 16 | $ 1,530,000 | $ 95,625 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 355,000 | $ 23,666 | $ 164,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 415,000 | $ 27,666 | $ 112,000 |
| Columbus, OH | 13 | $ 285,000 | $ 21,923 | $ 79,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 375,000 | $ 28,846 | $ 83,000 |
| Los Angeles-Long Beach-Glendale, CA | 13 | $ 365,000 | $ 28,076 | $ 129,000 |
| Shreveport-Bossier City, LA | 13 | $ 305,000 | $ 23,461 | $ 73,000 |
| Wilmington, DE-MD-NJ | 13 | $ 315,000 | $ 24,230 | $ 91,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 280,000 | $ 23,333 | $ 82,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 250,000 | $ 20,833 | $ 91,666 |
| South Bend-Mishawaka, IN-MI | 12 | $ 190,000 | $ 15,833 | $ 72,833 |
| Winston-Salem, NC | 12 | $ 240,000 | $ 20,000 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 1,765,000 | $ 160,454 | $ 163,000 |
| Lafayette, LA | 11 | $ 225,000 | $ 20,454 | $ 89,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 1,255,000 | $ 114,090 | $ 112,000 |
| Norwich-New London, CT | 11 | $ 1,045,000 | $ 95,000 | $ 125,000 |
| Pittsburgh, PA | 11 | $ 215,000 | $ 19,545 | $ 84,000 |
| Springfield, MA | 11 | $ 885,000 | $ 80,454 | $ 75,000 |
| Toledo, OH | 11 | $ 225,000 | $ 20,454 | $ 72,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 3,160,000 | $ 316,000 | $ 127,000 |
| Dallas-Plano-Irving, TX | 10 | $ 240,000 | $ 24,000 | $ 89,000 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 190,000 | $ 19,000 | $ 70,000 |
| Little Rock-North Little Rock-Conway, AR | 10 | $ 240,000 | $ 24,000 | $ 69,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 205,000 | $ 22,777 | $ 99,444 |
| Baton Rouge, LA | 9 | $ 195,000 | $ 21,666 | $ 115,000 |
| Camden, NJ | 9 | $ 555,000 | $ 61,666 | $ 115,000 |
| Cleveland-Elyria, OH | 9 | $ 225,000 | $ 25,000 | $ 81,000 |
| Greeley, CO | 9 | $ 225,000 | $ 25,000 | $ 104,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 215,000 | $ 23,888 | $ 75,333 |
| Nassau County-Suffolk County, NY | 9 | $ 1,865,000 | $ 207,222 | $ 138,000 |
| Portland-South Portland, ME | 9 | $ 2,035,000 | $ 226,111 | $ 187,000 |
| Punta Gorda, FL | 9 | $ 195,000 | $ 21,666 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 175,000 | $ 19,444 | $ 87,888 |
| Appleton, WI | 8 | $ 180,000 | $ 22,500 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 220,000 | $ 27,500 | $ 83,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 560,000 | $ 70,000 | $ 90,000 |
| Atlantic City-Hammonton, NJ | 7 | $ 175,000 | $ 25,000 | $ 134,000 |
| Fayetteville, NC | 7 | $ 115,000 | $ 16,428 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 165,000 | $ 23,571 | $ 121,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 235,000 | $ 33,571 | $ 80,142 |
| Philadelphia, PA | 7 | $ 175,000 | $ 25,000 | $ 133,000 |
| Raleigh, NC | 7 | $ 165,000 | $ 23,571 | $ 141,000 |
| San Antonio-New Braunfels, TX | 7 | $ 135,000 | $ 19,285 | $ 136,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 165,000 | $ 23,571 | $ 114,000 |
| Spokane-Spokane Valley, WA | 7 | $ 175,000 | $ 25,000 | $ 108,000 |
| Barnstable Town, MA | 6 | $ 1,250,000 | $ 208,333 | $ 140,000 |
| Clarksville, TN-KY | 6 | $ 120,000 | $ 20,000 | $ 92,000 |
| Columbia, SC | 6 | $ 140,000 | $ 23,333 | $ 78,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 130,000 | $ 21,666 | $ 74,000 |
| Durham-Chapel Hill, NC | 6 | $ 380,000 | $ 63,333 | $ 91,000 |
| Fond Du Lac, WI | 6 | $ 120,000 | $ 20,000 | $ 62,000 |
| Green Bay, WI | 6 | $ 130,000 | $ 21,666 | $ 50,000 |
| Lakeland-Winter Haven, FL | 6 | $ 120,000 | $ 20,000 | $ 60,000 |
| New Orleans-Metairie, LA | 6 | $ 160,000 | $ 26,666 | $ 248,000 |
| Racine, WI | 6 | $ 130,000 | $ 21,666 | $ 74,000 |
| Tucson, AZ | 6 | $ 130,000 | $ 21,666 | $ 72,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 1,140,000 | $ 190,000 | $ 219,000 |
| Wichita, KS | 6 | $ 120,000 | $ 20,000 | $ 113,000 |
| Wilmington, NC | 6 | $ 910,000 | $ 151,666 | $ 93,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 115,000 | $ 23,000 | $ 176,400 |
| Austin-Round Rock, TX | 5 | $ 115,000 | $ 23,000 | $ 149,000 |
| Cincinnati, OH-KY-IN | 5 | $ 75,000 | $ 15,000 | $ 65,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 125,000 | $ 25,000 | $ 121,000 |
| Des Moines-West Des Moines, IA | 5 | $ 105,000 | $ 21,000 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 125,000 | $ 25,000 | $ 74,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 95,000 | $ 19,000 | $ 57,000 |
| Kennewick-Richland, WA | 5 | $ 125,000 | $ 25,000 | $ 78,000 |
| Kokomo, IN | 5 | $ 125,000 | $ 25,000 | $ 85,000 |
| Lake Charles, LA | 5 | $ 115,000 | $ 23,000 | $ 97,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 115,000 | $ 23,000 | $ 67,000 |
| Oshkosh-Neenah, WI | 5 | $ 95,000 | $ 19,000 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 105,000 | $ 21,000 | $ 79,000 |
| Rocky Mount, NC | 5 | $ 85,000 | $ 17,000 | $ 64,000 |
| San Diego-Carlsbad, CA | 5 | $ 375,000 | $ 75,000 | $ 124,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 95,000 | $ 19,000 | $ 141,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 165,000 | $ 33,000 | $ 74,000 |
| Spartanburg, SC | 5 | $ 105,000 | $ 21,000 | $ 80,000 |
| Yakima, WA | 5 | $ 125,000 | $ 25,000 | $ 146,000 |
| Akron, OH | 4 | $ 100,000 | $ 25,000 | $ 106,000 |
| Boise City, ID | 4 | $ 90,000 | $ 22,500 | $ 38,000 |
| Charleston, WV | 4 | $ 80,000 | $ 20,000 | $ 88,000 |
| Colorado Springs, CO | 4 | $ 100,000 | $ 25,000 | $ 98,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 360,000 | $ 90,000 | $ 49,000 |
| Elgin, IL | 4 | $ 100,000 | $ 25,000 | $ 141,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 100,000 | $ 25,000 | $ 104,000 |
| Homosassa Springs, FL | 4 | $ 100,000 | $ 25,000 | $ 110,000 |
| Jacksonville, NC | 4 | $ 90,000 | $ 22,500 | $ 65,000 |
| Knoxville, TN | 4 | $ 100,000 | $ 25,000 | $ 59,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 490,000 | $ 122,500 | $ 215,000 |
| Mobile, AL | 4 | $ 90,000 | $ 22,500 | $ 68,000 |
| Muncie, IN | 4 | $ 70,000 | $ 17,500 | $ 63,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 930,000 | $ 232,500 | $ 387,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 100,000 | $ 25,000 | $ 75,000 |
| Port St. Lucie, FL | 4 | $ 340,000 | $ 85,000 | $ 157,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 90,000 | $ 22,500 | $ 145,750 |
| Reading, PA | 4 | $ 100,000 | $ 25,000 | $ 117,000 |
| Rochester, NY | 4 | $ 100,000 | $ 25,000 | $ 50,000 |
| Tacoma-Lakewood, WA | 4 | $ 100,000 | $ 25,000 | $ 135,000 |
| Terre Haute, IN | 4 | $ 100,000 | $ 25,000 | $ 61,000 |
| Texarkana, TX-AR | 4 | $ 90,000 | $ 22,500 | $ 104,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 75,000 | $ 25,000 | $ 287,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 75,000 | $ 25,000 | $ 108,000 |
| Canton-Massillon, OH | 3 | $ 45,000 | $ 15,000 | $ 70,000 |
| East Stroudsburg, PA | 3 | $ 75,000 | $ 25,000 | $ 53,000 |
| Elkhart-Goshen, IN | 3 | $ 55,000 | $ 18,333 | $ 100,000 |
| Florence, SC | 3 | $ 55,000 | $ 18,333 | $ 89,000 |
| Grand Forks, ND-MN | 3 | $ 65,000 | $ 21,666 | $ 81,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 55,000 | $ 18,333 | $ 79,333 |
| Johnstown, PA | 3 | $ 55,000 | $ 18,333 | $ 91,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 65,000 | $ 21,666 | $ 97,000 |
| Lima, OH | 3 | $ 75,000 | $ 25,000 | $ 93,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 295,000 | $ 98,333 | $ 96,000 |
| Madison, WI | 3 | $ 65,000 | $ 21,666 | $ 98,000 |
| Memphis, TN-MS-AR | 3 | $ 65,000 | $ 21,666 | $ 42,000 |
| New Haven-Milford, CT | 3 | $ 75,000 | $ 25,000 | $ 81,000 |
| Ocala, FL | 3 | $ 75,000 | $ 25,000 | $ 101,000 |
| Pine Bluff, AR | 3 | $ 75,000 | $ 25,000 | $ 50,000 |
| Pueblo, CO | 3 | $ 75,000 | $ 25,000 | $ 119,000 |
| Salt Lake City, UT | 3 | $ 75,000 | $ 25,000 | $ 62,000 |
| Springfield, OH | 3 | $ 65,000 | $ 21,666 | $ 55,000 |
| Sumter, SC | 3 | $ 125,000 | $ 41,666 | $ 61,000 |
| Tallahassee, FL | 3 | $ 65,000 | $ 21,666 | $ 41,000 |
| Vineland-Bridgeton, NJ | 3 | $ 185,000 | $ 61,666 | $ 77,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Amarillo, TX | 2 | $ 50,000 | $ 25,000 | $ 166,000 |
| Asheville, NC | 2 | $ 50,000 | $ 25,000 | $ 81,000 |
| Bakersfield, CA | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| Bangor, ME | 2 | $ 110,000 | $ 55,000 | $ 58,000 |
| Bend-Redmond, OR | 2 | $ 50,000 | $ 25,000 | $ 110,000 |
| Birmingham-Hoover, AL | 2 | $ 50,000 | $ 25,000 | $ 93,000 |
| California-Lexington Park, MD | 2 | $ 290,000 | $ 145,000 | $ 95,000 |
| Carbondale-Marion, IL | 2 | $ 50,000 | $ 25,000 | $ 82,000 |
| Charlottesville, VA | 2 | $ 50,000 | $ 25,000 | $ 216,000 |
| Columbus, GA-AL | 2 | $ 40,000 | $ 20,000 | $ 130,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 50,000 | $ 25,000 | $ 128,000 |
| Cumberland, MD-WV | 2 | $ 30,000 | $ 15,000 | $ 105,000 |
| Danville, IL | 2 | $ 50,000 | $ 25,000 | $ 72,000 |
| Duluth, MN-WI | 2 | $ 40,000 | $ 20,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Flint, MI | 2 | $ 40,000 | $ 20,000 | $ 63,000 |
| Fort Wayne, IN | 2 | $ 40,000 | $ 20,000 | $ 43,000 |
| Fort Worth-Arlington, TX | 2 | $ 40,000 | $ 20,000 | $ 60,000 |
| Gainesville, FL | 2 | $ 30,000 | $ 15,000 | $ 106,000 |
| Grand Island, NE | 2 | $ 30,000 | $ 15,000 | $ 144,000 |
| Hammond, LA | 2 | $ 50,000 | $ 25,000 | $ 39,000 |
| Harrisburg-Carlisle, PA | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Hot Springs, AR | 2 | $ 30,000 | $ 15,000 | $ 90,000 |
| Jackson, MS | 2 | $ 40,000 | $ 20,000 | $ 54,000 |
| Kalamazoo-Portage, MI | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 50,000 | $ 25,000 | $ 46,000 |
| Lawrence, KS | 2 | $ 50,000 | $ 25,000 | $ 154,000 |
| Lexington-Fayette, KY | 2 | $ 50,000 | $ 25,000 | $ 90,000 |
| Monroe, LA | 2 | $ 40,000 | $ 20,000 | $ 79,000 |
| Monroe, MI | 2 | $ 30,000 | $ 15,000 | $ 88,000 |
| Montgomery, AL | 2 | $ 40,000 | $ 20,000 | $ 67,000 |
| Muskegon, MI | 2 | $ 50,000 | $ 25,000 | $ 67,000 |
| Niles-Benton Harbor, MI | 2 | $ 30,000 | $ 15,000 | $ 50,000 |
| Oklahoma City, OK | 2 | $ 50,000 | $ 25,000 | $ 93,000 |
| Richmond, VA | 2 | $ 50,000 | $ 25,000 | $ 80,000 |
| Saginaw, MI | 2 | $ 40,000 | $ 20,000 | $ 41,000 |
| Springfield, IL | 2 | $ 30,000 | $ 15,000 | $ 114,000 |
| St. Joseph, MO-KS | 2 | $ 50,000 | $ 25,000 | $ 92,000 |
| Trenton, NJ | 2 | $ 350,000 | $ 175,000 | $ 111,000 |
| Tyler, TX | 2 | $ 50,000 | $ 25,000 | $ 99,000 |
| Winchester, VA-WV | 2 | $ 50,000 | $ 25,000 | $ 125,000 |
| Albuquerque, NM | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Alexandria, LA | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Anchorage, AK | 1 | $ 25,000 | $ 25,000 | $ 171,000 |
| Ann Arbor, MI | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Athens-Clarke County, GA | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| Bay City, MI | 1 | $ 25,000 | $ 25,000 | $ 192,000 |
| Billings, MT | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Bismarck, ND | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Bloomington, IL | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Bloomsburg-Berwick, PA | 1 | $ 85,000 | $ 85,000 | $ 19,000 |
| Bowling Green, KY | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Casper, WY | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Charleston-North Charleston, SC | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Cheyenne, WY | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Chico, CA | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Coeur D'Alene, ID | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Decatur, AL | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Decatur, IL | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Elmira, NY | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Enid, OK | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Erie, PA | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Flagstaff, AZ | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Gadsden, AL | 1 | $ 25,000 | $ 25,000 | $ 186,000 |
| Gettysburg, PA | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Goldsboro, NC | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Greenville, NC | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Houma-Thibodaux, LA | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Huntsville, AL | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Jackson, MI | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| Jackson, TN | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Janesville-Beloit, WI | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Jefferson City, MO | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Kingston, NY | 1 | $ 25,000 | $ 25,000 | $ 216,000 |
| Lancaster, PA | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Lebanon, PA | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Lewiston-Auburn, ME | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Lincoln, NE | 1 | $ 15,000 | $ 15,000 | $ 78,000 |
| Logan, UT-ID | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Longview, TX | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Longview, WA | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Lynchburg, VA | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Macon-Bibb County, GA | 1 | $ 15,000 | $ 15,000 | $ 112,000 |
| Manhattan, KS | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Medford, OR | 1 | $ 15,000 | $ 15,000 | $ 190,000 |
| Merced, CA | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Michigan City-La Porte, IN | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Modesto, CA | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Morristown, TN | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| New Bern, NC | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Ogden-Clearfield, UT | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Parkersburg-Vienna, WV | 1 | $ 25,000 | $ 25,000 | $ 204,000 |
| Peoria, IL | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Reno, NV | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Salem, OR | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| San Angelo, TX | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| San Rafael, CA | 1 | $ 25,000 | $ 25,000 | $ 204,000 |
| Santa Fe, NM | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Santa Rosa, CA | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Sebastian-Vero Beach, FL | 1 | $ 25,000 | $ 25,000 | $ 240,000 |
| Sebring, FL | 1 | $ 15,000 | $ 15,000 | $ 109,000 |
| Sheboygan, WI | 1 | $ 15,000 | $ 15,000 | $ 68,000 |
| Springfield, MO | 1 | $ 25,000 | $ 25,000 | $ 209,000 |
| St. George, UT | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Syracuse, NY | 1 | $ 15,000 | $ 15,000 | $ 144,000 |
| Twin Falls, ID | 1 | $ 25,000 | $ 25,000 | $ 152,000 |
| Utica-Rome, NY | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| Valdosta, GA | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Vallejo-Fairfield, CA | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Victoria, TX | 1 | $ 25,000 | $ 25,000 | $ 133,000 |
| Warner Robins, GA | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Wausau, WI | 1 | $ 15,000 | $ 15,000 | $ 145,000 |
| Wenatchee, WA | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| York-Hanover, PA | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2021
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 | 2,046 | $46,040,000 | $22,000 | $65,000 | $94,000 | $900,000 |
| Home Purchase | 521 | $176,625,000 | $339,000 | $2,325,000 | $119,000 | $1,080,000 |
| Refinancing | 385 | $109,875,000 | $285,000 | $865,000 | $119,000 | $1,297,000 |
| Cash-out Refinancing | 226 | $66,300,000 | $293,000 | $985,000 | $140,000 | $2,316,000 |
| 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 | 2,535 | $332,425,000 | $131,000 | $2,325,000 | $106,000 | $1,440,000 |
| Black or African American | 244 | $19,520,000 | $80,000 | $765,000 | $87,000 | $308,000 |
| Hispanic | 231 | $31,005,000 | $134,000 | $795,000 | $91,000 | $523,000 |
| Not Provided | 88 | $5,430,000 | $61,000 | $785,000 | $141,000 | $2,316,000 |
| Asian | 54 | $8,560,000 | $158,000 | $525,000 | $103,000 | $330,000 |
| American Indian or Alaskan Native | 25 | $1,495,000 | $59,000 | $385,000 | $98,000 | $182,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $405,000 | $405,000 | $405,000 | $262,000 | $262,000 |
| 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) | 2,199 | $95,295,000 | $43,000 | $765,000 | $94,000 | $900,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 926 | $283,230,000 | $305,000 | $2,325,000 | $129,000 | $2,316,000 |
| VA-guaranteed (Veterans Administration) | 53 | $20,315,000 | $383,000 | $795,000 | $110,000 | $257,000 |
| 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 | 1,458 | $282,220,000 | $193,000 | $1,125,000 | $113,000 | $1,297,000 |
| Application Withdrawn By Applicant | 935 | $76,245,000 | $81,000 | $2,325,000 | $111,000 | $1,080,000 |
| Application Denied By Financial Institution | 722 | $23,180,000 | $32,000 | $535,000 | $72,000 | $900,000 |
| File Closed For Incompleteness | 53 | $14,265,000 | $269,000 | $515,000 | $189,000 | $2,316,000 |
| Application Approved But Not Accepted | 10 | $2,930,000 | $293,000 | $545,000 | $108,000 | $171,000 |
| 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 | 2,456 | $375,660,000 | $152,000 | $2,325,000 | $114,000 | $2,316,000 |
| Debt-To-Income Ratio | 340 | $10,050,000 | $29,000 | $425,000 | $66,000 | $276,000 |
| Credit History | 335 | $8,065,000 | $24,000 | $535,000 | $75,000 | $900,000 |
| Other | 32 | $2,030,000 | $63,000 | $395,000 | $95,000 | $228,000 |
| Collateral | 11 | $2,065,000 | $187,000 | $445,000 | $112,000 | $198,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $375,000 | $116,000 | $168,000 |
| Mortgage Insurance Denied | 1 | $275,000 | $275,000 | $275,000 | $49,000 | $49,000 |
| Employment History | 1 | $305,000 | $305,000 | $305,000 | $76,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shoreham Bank's 2021 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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