Home Loan Investment Bank NMLS #478275
At a glance
- HeadquartersWarwick, RI
- Size581 home loans closed in 2025
- Loan typesFHA and Conventional
2025 figures are for Shoreham Bank's filing.
What it closes
Share of its 2025 home loans: 51% FHA, 47% Conventional and 2% Other types.
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Who is Home Loan Investment Bank?
Home Loan Investment Bank (NMLS #478275) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerHome Loan Investment Bank
- NMLS #478275
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Home Loan Investment Bank
Overview
Home Loan Investment Bank is a mortgage lender based in Warwick, Rhode Island. Its home-lending activity includes residential mortgage lending and home equity lending.
Mortgage options
Mortgage options include USDA loans and home equity loans. In 2025 it made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
How it works
Borrowers can work with residential loan officers and use loan servicing services to make loan payments.
Company details and licensing
The legal entity is Shoreham Bank, and Home Loan Investment Bank, F.S.B. is a trade name. The company is headquartered at One Shoreham Way in Warwick, Rhode Island. Its NMLS company ID is 478275.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #478275 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asShoreham Bank
- Home Loan Investment Bank is a registered trade name of Shoreham Bank (NMLS #478275), which filed these figures.
- 2025 home loan decisionsOf 832 applications decided by Shoreham Bank in 2025, 581 were originated, 11 were approved but not accepted by the borrower, and 240 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 71.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 363 applications were withdrawn by the borrower, 1 was closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread1.051 percentage points above the average prime offer rate (reported on 579 originations, 2 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$2,872.25 — originated closed-end household loans, 2025, 560 of 562 loans. FFIEC HMDA data browser.
- Median origination charges$1,595.00 — originated closed-end household loans, 2025, 534 of 562 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types272 Conventional, 297 FHA, 12 VA — of 581 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Shoreham Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Home Loan Investment Bank's NMLS number?
Home Loan Investment Bank's NMLS number is 478275. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Home Loan Investment Bank's NMLS ID?
Yes. We checked Home Loan Investment Bank's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since June 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Home Loan Investment Bank?
This page has Home Loan Investment Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.