Lenders › Shoreham Bank › Florida
Shoreham Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Shoreham Bank's 2024 HMDA record for Florida covers 108 applications, 36 of them originated, worth $5.6m.
Its denial rate in the state was 55.6%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 39.6%.
The median rate spread on its Florida originations was 3.7 percentage points (state median 0.3).
Applications in the state were down 16% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Shoreham Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 55.6% | 29.0% | 39.6% | 24.3% |
| Median rate spread, pp | 3.7 | 0.3 | 1.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 72.2% | 16.4% | 52.2% | 15.6% |
| Average originated loan | $154k | $359k | $215k | $329k |
| Home purchase share | 30.6% | 62.9% | 37.8% | 57.0% |
| FHA-insured share | 72.2% | 17.7% | 53.4% | 13.4% |
| VA-guaranteed share | 2.8% | 9.5% | 1.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 31% (11)Home improvement 69% (25)
By type
Conventional 25% (9)FHA 72% (26)VA 3% (1)
Denial reasons as coded
Share of 45 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Shoreham Bank originate in Florida in 2024?
36 loans totalling $5.6m, from 108 applications reported for properties in Florida.
What is Shoreham Bank's denial rate in Florida?
55.6% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 39.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Shoreham Bank lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.