Shoreham Bank Mortgage Lending & HMDA Data, 2023
In 2023, Shoreham Bank of Warwick, RI reported 1,796 mortgage applications totaling $163.2 million, down 2% from 2022. The average application was for $90,846, and applicants reported an average income of $118,094. 40% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Providence-Warwick, RI-MA (311), Cambridge-Newton-Framingham, MA (61) and Kansas City, MO-KS (42) (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 | 1,796 |
| Total Mortgage Loan Application Amount | $163,160,000 |
| Average Mortgage Loan Application Amount | $90,846 |
| Highest Mortgage Loan Application Amount | $2,455,000 |
| Average Applicant Income | $118,094 |
| Highest Applicant Income | $1,596,000 |
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Act (HMDA) records Shoreham Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 311 | $ 67,865,000 | $ 218,215 | $ 136,077 |
| Outside any metro area | 246 | $ 11,650,000 | $ 47,357 | $ 99,833 |
| Cambridge-Newton-Framingham, MA | 61 | $ 20,965,000 | $ 343,688 | $ 146,000 |
| Kansas City, MO-KS | 42 | $ 1,020,000 | $ 24,285 | $ 104,642 |
| Los Angeles-Long Beach-Glendale, CA | 36 | $ 860,000 | $ 23,888 | $ 115,000 |
| Salisbury, MD-DE | 33 | $ 875,000 | $ 26,515 | $ 116,636 |
| Rockingham County-Strafford County, NH | 29 | $ 7,745,000 | $ 267,068 | $ 150,000 |
| Chicago-Naperville, IL | 28 | $ 1,510,000 | $ 53,928 | $ 146,000 |
| Atlanta-Sandy Springs-Roswell, GA | 27 | $ 1,065,000 | $ 39,444 | $ 125,000 |
| Dover, DE | 27 | $ 615,000 | $ 22,777 | $ 97,000 |
| Boston, MA | 25 | $ 5,115,000 | $ 204,600 | $ 145,000 |
| Worcester, MA-CT | 25 | $ 4,155,000 | $ 166,200 | $ 116,680 |
| Baltimore-Columbia-Towson, MD | 20 | $ 480,000 | $ 24,000 | $ 113,000 |
| Tulsa, OK | 20 | $ 460,000 | $ 23,000 | $ 160,000 |
| Springfield, MA | 18 | $ 480,000 | $ 26,666 | $ 86,000 |
| Wilmington, DE-MD-NJ | 18 | $ 450,000 | $ 25,000 | $ 101,833 |
| Columbus, OH | 16 | $ 370,000 | $ 23,125 | $ 128,000 |
| New York-Jersey City-White Plains, NY-NJ | 16 | $ 1,600,000 | $ 100,000 | $ 138,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 380,000 | $ 23,750 | $ 138,500 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 16 | $ 560,000 | $ 35,000 | $ 108,000 |
| Lafayette, LA | 15 | $ 365,000 | $ 24,333 | $ 116,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 365,000 | $ 24,333 | $ 102,000 |
| Hartford-West Hartford-East Hartford, CT | 14 | $ 1,840,000 | $ 131,428 | $ 142,000 |
| Manchester-Nashua, NH | 14 | $ 5,110,000 | $ 365,000 | $ 138,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 295,000 | $ 22,692 | $ 99,000 |
| Jacksonville, FL | 13 | $ 905,000 | $ 69,615 | $ 115,000 |
| Toledo, OH | 13 | $ 285,000 | $ 21,923 | $ 107,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 280,000 | $ 23,333 | $ 153,000 |
| Gary, IN | 12 | $ 270,000 | $ 22,500 | $ 89,000 |
| Houston-The Woodlands-Sugar Land, TX | 12 | $ 500,000 | $ 41,666 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 12 | $ 510,000 | $ 42,500 | $ 140,000 |
| Cleveland-Elyria, OH | 11 | $ 235,000 | $ 21,363 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 265,000 | $ 24,090 | $ 82,000 |
| Dallas-Plano-Irving, TX | 10 | $ 250,000 | $ 25,000 | $ 107,000 |
| Nassau County-Suffolk County, NY | 10 | $ 530,000 | $ 53,000 | $ 185,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 250,000 | $ 25,000 | $ 134,000 |
| Camden, NJ | 9 | $ 195,000 | $ 21,666 | $ 89,000 |
| Colorado Springs, CO | 9 | $ 195,000 | $ 21,666 | $ 127,000 |
| Indianapolis-Carmel-Anderson, IN | 9 | $ 425,000 | $ 47,222 | $ 73,000 |
| New Haven-Milford, CT | 9 | $ 1,085,000 | $ 120,555 | $ 188,000 |
| Newark, NJ-PA | 9 | $ 205,000 | $ 22,777 | $ 160,666 |
| South Bend-Mishawaka, IN-MI | 9 | $ 155,000 | $ 17,222 | $ 81,000 |
| Lakeland-Winter Haven, FL | 8 | $ 470,000 | $ 58,750 | $ 97,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 180,000 | $ 22,500 | $ 109,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,010,000 | $ 126,250 | $ 131,000 |
| Appleton, WI | 7 | $ 175,000 | $ 25,000 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 155,000 | $ 22,142 | $ 127,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 165,000 | $ 23,571 | $ 114,000 |
| Greeley, CO | 7 | $ 165,000 | $ 23,571 | $ 121,000 |
| Lake Charles, LA | 7 | $ 175,000 | $ 25,000 | $ 120,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 165,000 | $ 23,571 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 855,000 | $ 122,142 | $ 131,000 |
| Port St. Lucie, FL | 7 | $ 165,000 | $ 23,571 | $ 68,000 |
| San Diego-Carlsbad, CA | 7 | $ 145,000 | $ 20,714 | $ 144,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 175,000 | $ 25,000 | $ 200,000 |
| St. Louis, MO-IL | 7 | $ 175,000 | $ 25,000 | $ 114,285 |
| Albany-Schenectady-Troy, NY | 6 | $ 150,000 | $ 25,000 | $ 69,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 150,000 | $ 25,000 | $ 77,166 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 150,000 | $ 25,000 | $ 103,000 |
| Coeur D'Alene, ID | 6 | $ 150,000 | $ 25,000 | $ 128,000 |
| Green Bay, WI | 6 | $ 140,000 | $ 23,333 | $ 56,000 |
| Memphis, TN-MS-AR | 6 | $ 140,000 | $ 23,333 | $ 89,333 |
| New York-Newark, NY | 6 | $ 150,000 | $ 25,000 | $ 104,000 |
| Norwich-New London, CT | 6 | $ 580,000 | $ 96,666 | $ 124,000 |
| Springfield, IL | 6 | $ 150,000 | $ 25,000 | $ 133,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 140,000 | $ 23,333 | $ 123,500 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 140,000 | $ 23,333 | $ 153,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 95,000 | $ 19,000 | $ 71,400 |
| Elgin, IL | 5 | $ 125,000 | $ 25,000 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 115,000 | $ 23,000 | $ 99,000 |
| Greensboro-High Point, NC | 5 | $ 115,000 | $ 23,000 | $ 109,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 95,000 | $ 19,000 | $ 94,600 |
| Lake County-Kenosha County, IL-WI | 5 | $ 125,000 | $ 25,000 | $ 155,400 |
| Lima, OH | 5 | $ 125,000 | $ 25,000 | $ 77,000 |
| Philadelphia, PA | 5 | $ 115,000 | $ 23,000 | $ 83,000 |
| Punta Gorda, FL | 5 | $ 95,000 | $ 19,000 | $ 107,000 |
| Baton Rouge, LA | 4 | $ 100,000 | $ 25,000 | $ 145,000 |
| Beaumont-Port Arthur, TX | 4 | $ 90,000 | $ 22,500 | $ 107,000 |
| Birmingham-Hoover, AL | 4 | $ 100,000 | $ 25,000 | $ 90,000 |
| Carbondale-Marion, IL | 4 | $ 100,000 | $ 25,000 | $ 46,000 |
| Durham-Chapel Hill, NC | 4 | $ 90,000 | $ 22,500 | $ 441,000 |
| Fort Worth-Arlington, TX | 4 | $ 90,000 | $ 22,500 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 180,000 | $ 45,000 | $ 101,000 |
| Houma-Thibodaux, LA | 4 | $ 100,000 | $ 25,000 | $ 169,000 |
| Huntsville, AL | 4 | $ 100,000 | $ 25,000 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 330,000 | $ 82,500 | $ 167,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 70,000 | $ 17,500 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 780,000 | $ 195,000 | $ 142,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 90,000 | $ 22,500 | $ 72,000 |
| Ocala, FL | 4 | $ 80,000 | $ 20,000 | $ 80,000 |
| Oklahoma City, OK | 4 | $ 130,000 | $ 32,500 | $ 106,000 |
| Oshkosh-Neenah, WI | 4 | $ 100,000 | $ 25,000 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 90,000 | $ 22,500 | $ 110,000 |
| Pueblo, CO | 4 | $ 90,000 | $ 22,500 | $ 114,000 |
| Raleigh, NC | 4 | $ 90,000 | $ 22,500 | $ 139,000 |
| Richmond, VA | 4 | $ 100,000 | $ 25,000 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 100,000 | $ 25,000 | $ 113,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 160,000 | $ 40,000 | $ 107,000 |
| Tallahassee, FL | 4 | $ 100,000 | $ 25,000 | $ 75,000 |
| Akron, OH | 3 | $ 65,000 | $ 21,666 | $ 59,000 |
| Albuquerque, NM | 3 | $ 75,000 | $ 25,000 | $ 84,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 55,000 | $ 18,333 | $ 115,000 |
| Clarksville, TN-KY | 3 | $ 65,000 | $ 21,666 | $ 163,000 |
| Columbia, SC | 3 | $ 65,000 | $ 21,666 | $ 69,000 |
| Evansville, IN-KY | 3 | $ 75,000 | $ 25,000 | $ 50,000 |
| Fayetteville, NC | 3 | $ 75,000 | $ 25,000 | $ 99,000 |
| Greenville, NC | 3 | $ 55,000 | $ 18,333 | $ 121,000 |
| Lexington-Fayette, KY | 3 | $ 75,000 | $ 25,000 | $ 132,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 75,000 | $ 25,000 | $ 87,000 |
| New Orleans-Metairie, LA | 3 | $ 75,000 | $ 25,000 | $ 118,000 |
| Niles-Benton Harbor, MI | 3 | $ 45,000 | $ 15,000 | $ 76,000 |
| Ocean City, NJ | 3 | $ 65,000 | $ 21,666 | $ 100,000 |
| Pittsburgh, PA | 3 | $ 75,000 | $ 25,000 | $ 101,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 865,000 | $ 288,333 | $ 186,666 |
| Sumter, SC | 3 | $ 75,000 | $ 25,000 | $ 59,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 75,000 | $ 25,000 | $ 77,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 40,000 | $ 20,000 | $ 107,000 |
| Bangor, ME | 2 | $ 450,000 | $ 225,000 | $ 94,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 50,000 | $ 25,000 | $ 210,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 40,000 | $ 20,000 | $ 109,000 |
| Chattanooga, TN-GA | 2 | $ 40,000 | $ 20,000 | $ 37,000 |
| Cincinnati, OH-KY-IN | 2 | $ 40,000 | $ 20,000 | $ 54,500 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 50,000 | $ 25,000 | $ 124,000 |
| Dalton, GA | 2 | $ 50,000 | $ 25,000 | $ 147,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 50,000 | $ 25,000 | $ 90,000 |
| Flagstaff, AZ | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Florence, SC | 2 | $ 50,000 | $ 25,000 | $ 55,000 |
| Fort Wayne, IN | 2 | $ 30,000 | $ 15,000 | $ 52,000 |
| Glens Falls, NY | 2 | $ 40,000 | $ 20,000 | $ 132,000 |
| Grand Junction, CO | 2 | $ 50,000 | $ 25,000 | $ 133,000 |
| Grants Pass, OR | 2 | $ 50,000 | $ 25,000 | $ 42,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Harrisburg-Carlisle, PA | 2 | $ 90,000 | $ 45,000 | $ 86,000 |
| Homosassa Springs, FL | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Jackson, MS | 2 | $ 30,000 | $ 15,000 | $ 92,000 |
| Knoxville, TN | 2 | $ 50,000 | $ 25,000 | $ 141,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 50,000 | $ 25,000 | $ 85,000 |
| Macon-Bibb County, GA | 2 | $ 40,000 | $ 20,000 | $ 129,000 |
| Mobile, AL | 2 | $ 180,000 | $ 90,000 | $ 63,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 50,000 | $ 25,000 | $ 96,000 |
| Parkersburg-Vienna, WV | 2 | $ 50,000 | $ 25,000 | $ 84,000 |
| Peoria, IL | 2 | $ 50,000 | $ 25,000 | $ 106,000 |
| Portland-South Portland, ME | 2 | $ 930,000 | $ 465,000 | $ 157,000 |
| Rocky Mount, NC | 2 | $ 50,000 | $ 25,000 | $ 78,000 |
| Salem, OR | 2 | $ 1,270,000 | $ 635,000 | $ 280,000 |
| Savannah, GA | 2 | $ 20,000 | $ 10,000 | $ 131,000 |
| Sebastian-Vero Beach, FL | 2 | $ 370,000 | $ 185,000 | $ 61,000 |
| Shreveport-Bossier City, LA | 2 | $ 50,000 | $ 25,000 | $ 120,000 |
| Sioux City, IA-NE-SD | 2 | $ 50,000 | $ 25,000 | $ 74,000 |
| St. Joseph, MO-KS | 2 | $ 40,000 | $ 20,000 | $ 150,000 |
| Warner Robins, GA | 2 | $ 20,000 | $ 10,000 | $ 29,000 |
| Wichita, KS | 2 | $ 40,000 | $ 20,000 | $ 37,000 |
| Winchester, VA-WV | 2 | $ 40,000 | $ 20,000 | $ 105,500 |
| Abilene, TX | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| Albany, GA | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Asheville, NC | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 15,000 | $ 15,000 | $ 157,000 |
| Austin-Round Rock, TX | 1 | $ 25,000 | $ 25,000 | $ 183,000 |
| Bakersfield, CA | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Barnstable Town, MA | 1 | $ 315,000 | $ 315,000 | $ 449,000 |
| Bellingham, WA | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Bend-Redmond, OR | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Boise City, ID | 1 | $ 25,000 | $ 25,000 | $ 186,000 |
| Boulder, CO | 1 | $ 25,000 | $ 25,000 | $ 190,000 |
| Bremerton-Silverdale, WA | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Brownsville-Harlingen, TX | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Brunswick, GA | 1 | $ 5,000 | $ 5,000 | $ 21,000 |
| Burlington, NC | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Canton-Massillon, OH | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Cape Girardeau, MO-IL | 1 | $ 15,000 | $ 15,000 | $ 126,000 |
| Carson City, NV | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Champaign-Urbana, IL | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Charleston, WV | 1 | $ 15,000 | $ 15,000 | $ 181,000 |
| Charleston-North Charleston, SC | 1 | $ 195,000 | $ 195,000 | $ 101,000 |
| Corpus Christi, TX | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Danville, IL | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Decatur, IL | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| Eau Claire, WI | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Elkhart-Goshen, IN | 1 | $ 25,000 | $ 25,000 | $ 152,000 |
| Flint, MI | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Fond Du Lac, WI | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Fort Collins, CO | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Fort Smith, AR-OK | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Gainesville, FL | 1 | $ 15,000 | $ 15,000 | $ 51,000 |
| Grand Island, NE | 1 | $ 15,000 | $ 15,000 | $ 81,000 |
| Hammond, LA | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Hattiesburg, MS | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Jackson, TN | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Jacksonville, NC | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Joplin, MO | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Kalamazoo-Portage, MI | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Kennewick-Richland, WA | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Lafayette-West Lafayette, IN | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Lancaster, PA | 1 | $ 5,000 | $ 5,000 | $ 92,000 |
| Laredo, TX | 1 | $ 15,000 | $ 15,000 | $ 110,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 25,000 | $ 25,000 | $ 8,000 |
| Lynchburg, VA | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Michigan City-La Porte, IN | 1 | $ 25,000 | $ 25,000 | $ 138,000 |
| Montgomery, AL | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Ogden-Clearfield, UT | 1 | $ 25,000 | $ 25,000 | $ 196,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 15,000 | $ 15,000 | $ 163,000 |
| Owensboro, KY | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Pine Bluff, AR | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 15,000 | $ 15,000 | $ 51,000 |
| Racine, WI | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Reading, PA | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Roanoke, VA | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Rockford, IL | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Rome, GA | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Salt Lake City, UT | 1 | $ 1,005,000 | $ 1,005,000 | $ 296,000 |
| San Antonio-New Braunfels, TX | 1 | $ 25,000 | $ 25,000 | $ 296,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 25,000 | $ 25,000 | $ 276,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 25,000 | $ 25,000 | $ 148,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| San Rafael, CA | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Sebring, FL | 1 | $ 25,000 | $ 25,000 | $ 158,000 |
| Sheboygan, WI | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Sherman-Denison, TX | 1 | $ 25,000 | $ 25,000 | $ 141,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Springfield, MO | 1 | $ 5,000 | $ 5,000 | $ 46,000 |
| Staunton-Waynesboro, VA | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Syracuse, NY | 1 | $ 25,000 | $ 25,000 | $ 205,000 |
| Tacoma-Lakewood, WA | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Terre Haute, IN | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| The Villages, FL | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| Topeka, KS | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Trenton, NJ | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Vineland-Bridgeton, NJ | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Walla Walla, WA | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 25,000 | $ 25,000 | $ 167,000 |
| Wausau, WI | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Wilmington, NC | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Shoreham Bank in 2023
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 | 1,365 | $31,185,000 | $22,000 | $75,000 | $108,000 | $1,512,000 |
| Home Purchase | 269 | $110,995,000 | $412,000 | $2,455,000 | $158,000 | $1,596,000 |
| Other Purpose | 102 | $9,350,000 | $91,000 | $305,000 | $150,000 | $894,000 |
| Cash-out Refinancing | 48 | $9,260,000 | $192,000 | $625,000 | $114,000 | $341,000 |
| Refinancing | 12 | $2,370,000 | $197,000 | $485,000 | $117,000 | $281,000 |
| Not Applicable | 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 | 1,129 | $123,405,000 | $109,000 | $2,455,000 | $124,000 | $1,596,000 |
| Not Provided | 390 | $11,900,000 | $30,000 | $685,000 | $108,000 | $1,512,000 |
| Black or African American | 139 | $11,135,000 | $80,000 | $655,000 | $102,000 | $679,000 |
| Hispanic | 102 | $12,770,000 | $125,000 | $805,000 | $120,000 | $894,000 |
| Asian | 30 | $3,780,000 | $126,000 | $505,000 | $129,000 | $438,000 |
| American Indian or Alaskan Native | 6 | $170,000 | $28,000 | $65,000 | $93,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,428 | $57,520,000 | $40,000 | $725,000 | $108,000 | $1,512,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 362 | $102,090,000 | $282,000 | $2,455,000 | $156,000 | $1,596,000 |
| VA-guaranteed (Veterans Administration) | 6 | $3,550,000 | $591,000 | $725,000 | $150,000 | $214,000 |
| 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 | 717 | $108,085,000 | $150,000 | $2,455,000 | $138,000 | $1,596,000 |
| Application Withdrawn By Applicant | 569 | $35,395,000 | $62,000 | $925,000 | $121,000 | $894,000 |
| Application Denied By Financial Institution | 502 | $17,520,000 | $34,000 | $545,000 | $86,000 | $1,512,000 |
| Application Approved But Not Accepted | 5 | $1,045,000 | $209,000 | $405,000 | $164,000 | $410,000 |
| File Closed For Incompleteness | 3 | $1,115,000 | $371,000 | $585,000 | $127,000 | $146,000 |
| 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 | 1,294 | $145,640,000 | $112,000 | $2,455,000 | $131,000 | $1,596,000 |
| Debt-To-Income Ratio | 284 | $7,590,000 | $26,000 | $405,000 | $79,000 | $255,000 |
| Credit History | 180 | $4,970,000 | $27,000 | $505,000 | $94,000 | $1,512,000 |
| Collateral | 25 | $3,435,000 | $137,000 | $545,000 | $85,000 | $176,000 |
| Other | 9 | $395,000 | $43,000 | $175,000 | $84,000 | $138,000 |
| Unverifiable Information | 2 | $610,000 | $305,000 | $305,000 | $370,000 | $679,000 |
| Employment History | 2 | $520,000 | $260,000 | $515,000 | $38,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2023 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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