Lender profile · HMDA 2023–2025
Shoreham Bank mortgage approval rates & lending data
Shoreham Bank decided 2,372 mortgage applications and funded 1,470 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 589 / 632 | 98% | $365K | 577 |
| Home improvement loans | 45% | 676 / 1,489 | 100% | $25K | 675 |
| Cash-out refinance | 86% | 91 / 106 | 96% | $135K | 87 |
| Refinance | 89% | 58 / 65 | 100% | $255K | 58 |
| Investment property purchase | 98% | 47 / 48 | 100% | $205K | 47 |
Shoreham Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Rhode Island | 83% | $365K | 547 | 446 |
| Massachusetts | 83% | $445K | 255 | 206 |
| Florida | 44% | $25K | 182 | 80 |
| California | 24% | $25K | 144 | 33 |
| Delaware | 66% | $25K | 122 | 79 |
| New Hampshire | 87% | $445K | 104 | 89 |
| North Carolina | 45% | $25K | 80 | 36 |
| Illinois | 64% | $25K | 67 | 43 |
| Wisconsin | 29% | $25K | 65 | 19 |
| Ohio | 62% | $25K | 64 | 40 |
| Pennsylvania | 50% | $25K | 60 | 30 |
| Missouri | 71% | $25K | 56 | 40 |
| Texas | 42% | $25K | 52 | 22 |
| Indiana | 49% | $25K | 49 | 24 |
| South Carolina | 57% | $15K | 44 | 25 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.