Proficio Bank Mortgage Lending & HMDA Data, 2008
In 2008, Proficio Bank of Cottonwood Heights, UT reported 719 mortgage applications totaling $176.9 million. The average application was for $246,101, and applicants reported an average income of $122,172. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Pittsburgh, PA (40), Dallas-Plano-Irving, TX (35) and Atlanta-Sandy Springs-Marietta, GA (27) (applications in parentheses).
| Mortgage Company & Address | Proficio Bank 6985 Union Park Center, Suite 150 Cottonwood Heights, UT 84047 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 719 |
| Total Mortgage Loan Application Amount | $176,947,000 |
| Average Mortgage Loan Application Amount | $246,101 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $122,172 |
| Highest Applicant Income | $960,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegheny, Pennsylvania | 22 | $ 4,530,000 | $ 205,909 | $ 165,000 |
| Maricopa, Arizona | 16 | $ 4,505,000 | $ 281,562 | $ 126,000 |
| Harris, Texas | 16 | $ 3,251,000 | $ 203,187 | $ 113,000 |
| Denton, Texas | 13 | $ 2,895,000 | $ 222,692 | $ 115,000 |
| Cook, Illinois | 12 | $ 3,158,000 | $ 263,166 | $ 132,000 |
| Tarrant, Texas | 12 | $ 2,669,000 | $ 222,416 | $ 144,000 |
| Hamilton, Indiana | 11 | $ 2,922,000 | $ 265,636 | $ 136,000 |
| Fulton, Georgia | 10 | $ 2,671,000 | $ 267,100 | $ 124,000 |
| Hennepin, Minnesota | 10 | $ 2,909,000 | $ 290,900 | $ 162,000 |
| Collin, Texas | 10 | $ 2,299,000 | $ 229,900 | $ 106,000 |
| Richland, South Carolina | 9 | $ 1,184,000 | $ 131,555 | $ 60,000 |
| St. Johns, Florida | 8 | $ 2,197,000 | $ 274,625 | $ 207,000 |
| Bucks, Pennsylvania | 8 | $ 2,682,000 | $ 335,250 | $ 192,000 |
| Dallas, Texas | 8 | $ 1,651,000 | $ 206,375 | $ 126,000 |
| Salt Lake, Utah | 8 | $ 2,605,000 | $ 325,625 | $ 152,000 |
| Orange, California | 7 | $ 3,013,000 | $ 430,428 | $ 238,000 |
| Jefferson, Colorado | 7 | $ 1,878,000 | $ 268,285 | $ 104,000 |
| Wake, North Carolina | 7 | $ 1,944,000 | $ 277,714 | $ 154,000 |
| Contra Costa, California | 6 | $ 3,165,000 | $ 527,500 | $ 188,000 |
| Beaver, Pennsylvania | 6 | $ 431,000 | $ 71,833 | $ 98,000 |
| Butler, Pennsylvania | 6 | $ 1,498,000 | $ 249,666 | $ 133,000 |
| Bexar, Texas | 6 | $ 1,747,000 | $ 291,166 | $ 145,000 |
| Montgomery, Texas | 6 | $ 1,416,000 | $ 236,000 | $ 148,000 |
| San Diego, California | 5 | $ 1,452,000 | $ 290,400 | $ 120,000 |
| Fairfield, Connecticut | 5 | $ 2,728,000 | $ 545,600 | $ 193,000 |
| Duval, Florida | 5 | $ 1,413,000 | $ 282,600 | $ 138,000 |
| Cobb, Georgia | 5 | $ 1,004,000 | $ 200,800 | $ 91,000 |
| DuPage, Illinois | 5 | $ 1,250,000 | $ 250,000 | $ 122,000 |
| Middlesex, Massachusetts | 5 | $ 1,677,000 | $ 335,400 | $ 215,000 |
| Fairfax, Virginia | 5 | $ 1,965,000 | $ 393,000 | $ 138,000 |
| Jefferson, Alabama | 4 | $ 829,000 | $ 207,250 | $ 115,000 |
| Benton, Arkansas | 4 | $ 769,000 | $ 192,250 | $ 96,000 |
| Union, Arkansas | 4 | $ 1,158,000 | $ 289,500 | $ 160,000 |
| Riverside, California | 4 | $ 3,509,000 | $ 877,250 | $ 302,000 |
| Boulder, Colorado | 4 | $ 933,000 | $ 233,250 | $ 187,000 |
| Douglas, Colorado | 4 | $ 934,000 | $ 233,500 | $ 116,000 |
| Lee, Florida | 4 | $ 1,328,000 | $ 332,000 | $ 144,000 |
| DeKalb, Georgia | 4 | $ 741,000 | $ 185,250 | $ 110,000 |
| Marion, Indiana | 4 | $ 778,000 | $ 194,500 | $ 112,000 |
| Porter, Indiana | 4 | $ 1,073,000 | $ 268,250 | $ 120,000 |
| Jefferson, Kentucky | 4 | $ 957,000 | $ 239,250 | $ 165,000 |
| Montgomery, Maryland | 4 | $ 1,906,000 | $ 476,500 | $ 209,000 |
| Oakland, Michigan | 4 | $ 658,000 | $ 164,500 | $ 99,000 |
| Shelby, Tennessee | 4 | $ 1,318,000 | $ 329,500 | $ 116,000 |
| Shelby, Alabama | 3 | $ 437,000 | $ 145,666 | $ 47,000 |
| Pima, Arizona | 3 | $ 1,121,000 | $ 373,666 | $ 205,000 |
| San Bernardino, California | 3 | $ 610,000 | $ 203,333 | $ 83,000 |
| Santa Clara, California | 3 | $ 2,900,000 | $ 966,666 | $ 247,000 |
| Denver, Colorado | 3 | $ 993,000 | $ 331,000 | $ 107,000 |
| District of Columbia, District Of Columbia | 3 | $ 706,000 | $ 235,333 | $ 85,000 |
| Broward, Florida | 3 | $ 685,000 | $ 228,333 | $ 94,000 |
| Bryan, Georgia | 3 | $ 503,000 | $ 167,666 | $ 98,000 |
| Chatham, Georgia | 3 | $ 341,000 | $ 113,666 | $ 74,000 |
| Gwinnett, Georgia | 3 | $ 665,000 | $ 221,666 | $ 115,000 |
| Brown, Indiana | 3 | $ 529,000 | $ 176,333 | $ 189,000 |
| Johnson, Kansas | 3 | $ 876,000 | $ 292,000 | $ 147,000 |
| Norfolk, Massachusetts | 3 | $ 949,000 | $ 316,333 | $ 130,000 |
| Sherburne, Minnesota | 3 | $ 808,000 | $ 269,333 | $ 101,000 |
| Madison, Mississippi | 3 | $ 738,000 | $ 246,000 | $ 89,000 |
| Hillsborough, New Hampshire | 3 | $ 585,000 | $ 195,000 | $ 106,000 |
| Strafford, New Hampshire | 3 | $ 527,000 | $ 175,666 | $ 74,000 |
| Bernalillo, New Mexico | 3 | $ 699,000 | $ 233,000 | $ 151,000 |
| Allegany, New York | 3 | $ 324,000 | $ 108,000 | $ 78,000 |
| Westchester, New York | 3 | $ 1,395,000 | $ 465,000 | $ 166,000 |
| Butler, Ohio | 3 | $ 701,000 | $ 233,666 | $ 113,000 |
| Mahoning, Ohio | 3 | $ 515,000 | $ 171,666 | $ 154,000 |
| Chester, Pennsylvania | 3 | $ 1,238,000 | $ 412,666 | $ 138,000 |
| Lancaster, Pennsylvania | 3 | $ 827,000 | $ 275,666 | $ 100,000 |
| Washington, Pennsylvania | 3 | $ 330,000 | $ 110,000 | $ 48,000 |
| Westmoreland, Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Charleston, South Carolina | 3 | $ 567,000 | $ 189,000 | $ 40,000 |
| Randall, Texas | 3 | $ 557,000 | $ 185,666 | $ 118,000 |
| Travis, Texas | 3 | $ 865,000 | $ 288,333 | $ 150,000 |
| Loudoun, Virginia | 3 | $ 980,000 | $ 326,666 | $ 144,000 |
| Lincoln, Wyoming | 3 | $ 754,000 | $ 251,333 | $ 165,000 |
| Alameda, California | 2 | $ 810,000 | $ 405,000 | $ 107,000 |
| Los Angeles, California | 2 | $ 743,000 | $ 371,500 | $ 116,000 |
| Placer, California | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| Arapahoe, Colorado | 2 | $ 528,000 | $ 264,000 | $ 83,000 |
| Mesa, Colorado | 2 | $ 403,000 | $ 201,500 | $ 84,000 |
| Hartford, Connecticut | 2 | $ 605,000 | $ 302,500 | $ 114,000 |
| Tolland, Connecticut | 2 | $ 756,000 | $ 378,000 | $ 219,000 |
| New Castle, Delaware | 2 | $ 510,000 | $ 255,000 | $ 65,000 |
| Clay, Florida | 2 | $ 328,000 | $ 164,000 | $ 43,000 |
| Palm Beach, Florida | 2 | $ 520,000 | $ 260,000 | $ 197,000 |
| Forsyth, Georgia | 2 | $ 584,000 | $ 292,000 | $ 95,000 |
| Ada, Idaho | 2 | $ 289,000 | $ 144,500 | $ 68,000 |
| Kootenai, Idaho | 2 | $ 687,000 | $ 343,500 | $ 92,000 |
| Kane, Illinois | 2 | $ 569,000 | $ 284,500 | $ 136,000 |
| McHenry, Illinois | 2 | $ 678,000 | $ 339,000 | $ 144,000 |
| Will, Illinois | 2 | $ 458,000 | $ 229,000 | $ 95,000 |
| Lake, Indiana | 2 | $ 415,000 | $ 207,500 | $ 125,000 |
| Ripley, Indiana | 2 | $ 443,000 | $ 221,500 | $ 165,000 |
| Polk, Iowa | 2 | $ 245,000 | $ 122,500 | $ 66,000 |
| Caddo, Louisiana | 2 | $ 427,000 | $ 213,500 | $ 117,000 |
| East Baton Rouge, Louisiana | 2 | $ 383,000 | $ 191,500 | $ 114,000 |
| Baltimore City, Maryland | 2 | $ 751,000 | $ 375,500 | $ 166,000 |
| Cecil, Maryland | 2 | $ 699,000 | $ 349,500 | $ 220,000 |
| Howard, Maryland | 2 | $ 650,000 | $ 325,000 | $ 100,000 |
| Prince George's, Maryland | 2 | $ 779,000 | $ 389,500 | $ 152,000 |
| Worcester, Massachusetts | 2 | $ 543,000 | $ 271,500 | $ 123,000 |
| Cass, Michigan | 2 | $ 317,000 | $ 158,500 | $ 134,000 |
| Livingston, Michigan | 2 | $ 390,000 | $ 195,000 | $ 71,000 |
| Marquette, Michigan | 2 | $ 396,000 | $ 198,000 | $ 92,000 |
| Anoka, Minnesota | 2 | $ 665,000 | $ 332,500 | $ 165,000 |
| Dakota, Minnesota | 2 | $ 291,000 | $ 145,500 | $ 80,000 |
| Goodhue, Minnesota | 2 | $ 315,000 | $ 157,500 | $ 63,000 |
| Ramsey, Minnesota | 2 | $ 310,000 | $ 155,000 | $ 115,000 |
| Scott, Minnesota | 2 | $ 346,000 | $ 173,000 | $ 48,000 |
| Rankin, Mississippi | 2 | $ 468,000 | $ 234,000 | $ 121,000 |
| St. Charles, Missouri | 2 | $ 408,000 | $ 204,000 | $ 117,000 |
| St. Louis, Missouri | 2 | $ 456,000 | $ 228,000 | $ 114,000 |
| Douglas, Nebraska | 2 | $ 471,000 | $ 235,500 | $ 111,000 |
| Clark, Nevada | 2 | $ 512,000 | $ 256,000 | $ 85,000 |
| Washoe, Nevada | 2 | $ 427,000 | $ 213,500 | $ 148,000 |
| Bergen, New Jersey | 2 | $ 899,000 | $ 449,500 | $ 222,000 |
| Salem, New Jersey | 2 | $ 351,000 | $ 175,500 | $ 49,000 |
| Nassau, New York | 2 | $ 729,000 | $ 364,500 | $ 97,000 |
| Steuben, New York | 2 | $ 211,000 | $ 105,500 | $ 97,000 |
| Alamance, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 39,000 |
| Durham, North Carolina | 2 | $ 215,000 | $ 107,500 | $ 110,000 |
| Franklin, North Carolina | 2 | $ 185,000 | $ 92,500 | $ 62,000 |
| Iredell, North Carolina | 2 | $ 590,000 | $ 295,000 | $ 121,000 |
| Mecklenburg, North Carolina | 2 | $ 286,000 | $ 143,000 | $ 60,000 |
| Randolph, North Carolina | 2 | $ 351,000 | $ 175,500 | $ 83,000 |
| Cuyahoga, Ohio | 2 | $ 327,000 | $ 163,500 | $ 90,000 |
| Franklin, Ohio | 2 | $ 276,000 | $ 138,000 | $ 109,000 |
| Tulsa, Oklahoma | 2 | $ 476,000 | $ 238,000 | $ 88,000 |
| Cumberland, Pennsylvania | 2 | $ 488,000 | $ 244,000 | $ 138,000 |
| Montgomery, Pennsylvania | 2 | $ 681,000 | $ 340,500 | $ 120,000 |
| Providence, Rhode Island | 2 | $ 948,000 | $ 474,000 | $ 141,000 |
| Berkeley, South Carolina | 2 | $ 278,000 | $ 139,000 | $ 75,000 |
| Lexington, South Carolina | 2 | $ 293,000 | $ 146,500 | $ 67,000 |
| York, South Carolina | 2 | $ 253,000 | $ 126,500 | $ 50,000 |
| Hamilton, Tennessee | 2 | $ 463,000 | $ 231,500 | $ 106,000 |
| Williamson, Tennessee | 2 | $ 315,000 | $ 157,500 | $ 172,000 |
| Brazos, Texas | 2 | $ 301,000 | $ 150,500 | $ 120,000 |
| Fort Bend, Texas | 2 | $ 198,000 | $ 99,000 | $ 87,000 |
| Rockwall, Texas | 2 | $ 423,000 | $ 211,500 | $ 182,000 |
| Smith, Texas | 2 | $ 268,000 | $ 134,000 | $ 88,000 |
| Williamson, Texas | 2 | $ 489,000 | $ 244,500 | $ 114,000 |
| Prince William, Virginia | 2 | $ 780,000 | $ 390,000 | $ 192,000 |
| Richmond City, Virginia | 2 | $ 277,000 | $ 138,500 | $ 97,000 |
| Clark, Washington | 2 | $ 385,000 | $ 192,500 | $ 104,000 |
| Ohio, West Virginia | 2 | $ 191,000 | $ 95,500 | $ 32,000 |
| Autauga, Alabama | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Blount, Alabama | 1 | $ 66,000 | $ 66,000 | $ 90,000 |
| Mobile, Alabama | 1 | $ 290,000 | $ 290,000 | $ 126,000 |
| Matanuska-Susitna, Alaska | 1 | $ 238,000 | $ 238,000 | $ 58,000 |
| Coconino, Arizona | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Gila, Arizona | 1 | $ 413,000 | $ 413,000 | $ 250,000 |
| Crittenden, Arkansas | 1 | $ 188,000 | $ 188,000 | $ 167,000 |
| Faulkner, Arkansas | 1 | $ 119,000 | $ 119,000 | $ 85,000 |
| Pulaski, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 154,000 |
| Saline, Arkansas | 1 | $ 133,000 | $ 133,000 | $ 77,000 |
| Washington, Arkansas | 1 | $ 196,000 | $ 196,000 | $ 124,000 |
| Fresno, California | 1 | $ 250,000 | $ 250,000 | $ 132,000 |
| Siskiyou, California | 1 | $ 104,000 | $ 104,000 | $ 62,000 |
| Trinity, California | 1 | $ 280,000 | $ 280,000 | $ 77,000 |
| Ventura, California | 1 | $ 417,000 | $ 417,000 | $ 287,000 |
| Adams, Colorado | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Alamosa, Colorado | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Broomfield, Colorado | 1 | $ 309,000 | $ 309,000 | $ 117,000 |
| Larimer, Colorado | 1 | $ 223,000 | $ 223,000 | $ 95,000 |
| Moffat, Colorado | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Weld, Colorado | 1 | $ 247,000 | $ 247,000 | $ 120,000 |
| New Haven, Connecticut | 1 | $ 400,000 | $ 400,000 | $ 151,000 |
| New London, Connecticut | 1 | $ 415,000 | $ 415,000 | $ 170,000 |
| Sussex, Delaware | 1 | $ 288,000 | $ 288,000 | $ 98,000 |
| Brevard, Florida | 1 | $ 417,000 | $ 417,000 | $ 182,000 |
| Flagler, Florida | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Hillsborough, Florida | 1 | $ 280,000 | $ 280,000 | $ 79,000 |
| Marion, Florida | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| Orange, Florida | 1 | $ 180,000 | $ 180,000 | $ 45,000 |
| Polk, Florida | 1 | $ 236,000 | $ 236,000 | $ 132,000 |
| Santa Rosa, Florida | 1 | $ 206,000 | $ 206,000 | $ 105,000 |
| Sarasota, Florida | 1 | $ 107,000 | $ 107,000 | $ 122,000 |
| Seminole, Florida | 1 | $ 254,000 | $ 254,000 | $ 71,000 |
| St. Lucie, Florida | 1 | $ 123,000 | $ 123,000 | $ 90,000 |
| Volusia, Florida | 1 | $ 72,000 | $ 72,000 | $ 102,000 |
| Wakulla, Florida | 1 | $ 113,000 | $ 113,000 | $ 41,000 |
| Cherokee, Georgia | 1 | $ 296,000 | $ 296,000 | $ 95,000 |
| Coweta, Georgia | 1 | $ 280,000 | $ 280,000 | $ 71,000 |
| Jackson, Georgia | 1 | $ 357,000 | $ 357,000 | $ 130,000 |
| Newton, Georgia | 1 | $ 181,000 | $ 181,000 | $ 96,000 |
| Telfair, Georgia | 1 | $ 106,000 | $ 106,000 | $ 63,000 |
| Walker, Georgia | 1 | $ 172,000 | $ 172,000 | $ 65,000 |
| Ware, Georgia | 1 | $ 207,000 | $ 207,000 | $ 65,000 |
| Custer, Idaho | 1 | $ 116,000 | $ 116,000 | $ 46,000 |
| Twin Falls, Idaho | 1 | $ 208,000 | $ 208,000 | $ 90,000 |
| Valley, Idaho | 1 | $ 256,000 | $ 256,000 | $ 93,000 |
| Lake, Illinois | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| McLean, Illinois | 1 | $ 147,000 | $ 147,000 | $ 198,000 |
| Floyd, Indiana | 1 | $ 138,000 | $ 138,000 | $ 189,000 |
| Grant, Indiana | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Harrison, Indiana | 1 | $ 169,000 | $ 169,000 | $ 165,000 |
| Hendricks, Indiana | 1 | $ 143,000 | $ 143,000 | $ 62,000 |
| Linn, Iowa | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Sedgwick, Kansas | 1 | $ 214,000 | $ 214,000 | $ 132,000 |
| Boone, Kentucky | 1 | $ 159,000 | $ 159,000 | $ 83,000 |
| Oldham, Kentucky | 1 | $ 372,000 | $ 372,000 | $ 155,000 |
| Spencer, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 74,000 |
| Bossier, Louisiana | 1 | $ 310,000 | $ 310,000 | $ 139,000 |
| Calcasieu, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 83,000 |
| Lincoln, Louisiana | 1 | $ 212,000 | $ 212,000 | $ 81,000 |
| Orleans, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Pointe Coupee, Louisiana | 1 | $ 283,000 | $ 283,000 | $ 103,000 |
| Cumberland, Maine | 1 | $ 247,000 | $ 247,000 | $ 73,000 |
| Anne Arundel, Maryland | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Baltimore, Maryland | 1 | $ 291,000 | $ 291,000 | $ 72,000 |
| Charles, Maryland | 1 | $ 292,000 | $ 292,000 | $ 59,000 |
| Bristol, Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Plymouth, Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 160,000 |
| Branch, Michigan | 1 | $ 204,000 | $ 204,000 | $ 105,000 |
| Houghton, Michigan | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Kalamazoo, Michigan | 1 | $ 147,000 | $ 147,000 | $ 56,000 |
| Washtenaw, Michigan | 1 | $ 412,000 | $ 412,000 | $ 210,000 |
| Wayne, Michigan | 1 | $ 320,000 | $ 320,000 | $ 114,000 |
| Blue Earth, Minnesota | 1 | $ 311,000 | $ 311,000 | $ 140,000 |
| Chisago, Minnesota | 1 | $ 192,000 | $ 192,000 | $ 95,000 |
| Cook, Minnesota | 1 | $ 147,000 | $ 147,000 | $ 50,000 |
| Crow Wing, Minnesota | 1 | $ 260,000 | $ 260,000 | $ 211,000 |
| Le Sueur, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 128,000 |
| Mille Lacs, Minnesota | 1 | $ 217,000 | $ 217,000 | $ 91,000 |
| Olmsted, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Otter Tail, Minnesota | 1 | $ 130,000 | $ 130,000 | $ 88,000 |
| Rice, Minnesota | 1 | $ 229,000 | $ 229,000 | $ 105,000 |
| St. Louis, Minnesota | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Washington, Minnesota | 1 | $ 243,000 | $ 243,000 | $ 139,000 |
| Harrison, Mississippi | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| Cass, Missouri | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| Jefferson, Missouri | 1 | $ 216,000 | $ 216,000 | $ 86,000 |
| Platte, Missouri | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Fergus, Montana | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Gallatin, Montana | 1 | $ 190,000 | $ 190,000 | $ 56,000 |
| Ravalli, Montana | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Lancaster, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Grafton, New Hampshire | 1 | $ 166,000 | $ 166,000 | $ 106,000 |
| Rockingham, New Hampshire | 1 | $ 292,000 | $ 292,000 | $ 100,000 |
| Somerset, New Jersey | 1 | $ 350,000 | $ 350,000 | $ 99,000 |
| Union, New Jersey | 1 | $ 648,000 | $ 648,000 | $ 296,000 |
| Chaves, New Mexico | 1 | $ 188,000 | $ 188,000 | $ 78,000 |
| Lea, New Mexico | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Albany, New York | 1 | $ 377,000 | $ 377,000 | $ 110,000 |
| Cattaraugus, New York | 1 | $ 330,000 | $ 330,000 | $ 110,000 |
| Niagara, New York | 1 | $ 195,000 | $ 195,000 | $ 96,000 |
| Saratoga, New York | 1 | $ 149,000 | $ 149,000 | $ 76,000 |
| Suffolk, New York | 1 | $ 350,000 | $ 350,000 | $ 118,000 |
| Alexander, North Carolina | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Catawba, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Cumberland, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 139,000 |
| Gaston, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Guilford, North Carolina | 1 | $ 324,000 | $ 324,000 | $ 85,000 |
| Athens, Ohio | 1 | $ 149,000 | $ 149,000 | $ 101,000 |
| Medina, Ohio | 1 | $ 284,000 | $ 284,000 | $ 110,000 |
| Summit, Ohio | 1 | $ 297,000 | $ 297,000 | $ 131,000 |
| Warren, Ohio | 1 | $ 166,000 | $ 166,000 | $ 72,000 |
| Le Flore, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Oklahoma, Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 180,000 |
| Payne, Oklahoma | 1 | $ 139,000 | $ 139,000 | $ 94,000 |
| Pontotoc, Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Wagoner, Oklahoma | 1 | $ 149,000 | $ 149,000 | $ 100,000 |
| Jackson, Oregon | 1 | $ 350,000 | $ 350,000 | $ 100,000 |
| Marion, Oregon | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Blair, Pennsylvania | 1 | $ 157,000 | $ 157,000 | $ 62,000 |
| Cambria, Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Indiana, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Lebanon, Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Northampton, Pennsylvania | 1 | $ 366,000 | $ 366,000 | $ 190,000 |
| Newport, Rhode Island | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Anderson, South Carolina | 1 | $ 156,000 | $ 156,000 | $ 64,000 |
| Greenville, South Carolina | 1 | $ 295,000 | $ 295,000 | $ 207,000 |
| Hampton, South Carolina | 1 | $ 62,000 | $ 62,000 | $ 35,000 |
| Horry, South Carolina | 1 | $ 51,000 | $ 51,000 | $ 37,000 |
| Spartanburg, South Carolina | 1 | $ 41,000 | $ 41,000 | $ 96,000 |
| Sumter, South Carolina | 1 | $ 68,000 | $ 68,000 | $ 73,000 |
| Knox, Tennessee | 1 | $ 231,000 | $ 231,000 | $ 105,000 |
| Maury, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 87,000 |
| Montgomery, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 218,000 |
| Robertson, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Sumner, Tennessee | 1 | $ 222,000 | $ 222,000 | $ 192,000 |
| White, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Brazoria, Texas | 1 | $ 150,000 | $ 150,000 | $ 82,000 |
| Coryell, Texas | 1 | $ 173,000 | $ 173,000 | $ 60,000 |
| Deaf Smith, Texas | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| Ellis, Texas | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Galveston, Texas | 1 | $ 167,000 | $ 167,000 | $ 196,000 |
| Grayson, Texas | 1 | $ 142,000 | $ 142,000 | $ 86,000 |
| Guadalupe, Texas | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Harrison, Texas | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Hidalgo, Texas | 1 | $ 131,000 | $ 131,000 | $ 68,000 |
| Kaufman, Texas | 1 | $ 103,000 | $ 103,000 | $ 138,000 |
| Midland, Texas | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Cache, Utah | 1 | $ 64,000 | $ 64,000 | $ 74,000 |
| Uintah, Utah | 1 | $ 212,000 | $ 212,000 | $ 89,000 |
| Utah, Utah | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Charlottesville, Virginia | 1 | $ 182,000 | $ 182,000 | $ 43,000 |
| Chesterfield, Virginia | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Fairfax City, Virginia | 1 | $ 210,000 | $ 210,000 | $ 127,000 |
| Fauquier, Virginia | 1 | $ 358,000 | $ 358,000 | $ 125,000 |
| King George, Virginia | 1 | $ 263,000 | $ 263,000 | $ 125,000 |
| Manassas Park, Virginia | 1 | $ 243,000 | $ 243,000 | $ 61,000 |
| King, Washington | 1 | $ 568,000 | $ 568,000 | $ 207,000 |
| Kittitas, Washington | 1 | $ 228,000 | $ 228,000 | $ 86,000 |
| Whatcom, Washington | 1 | $ 487,000 | $ 487,000 | $ 194,000 |
| Berkeley, West Virginia | 1 | $ 194,000 | $ 194,000 | $ 63,000 |
| Preston, West Virginia | 1 | $ 184,000 | $ 184,000 | $ 64,000 |
| Putnam, West Virginia | 1 | $ 164,000 | $ 164,000 | $ 96,000 |
| Chippewa, Wisconsin | 1 | $ 76,000 | $ 76,000 | $ 72,000 |
| Dane, Wisconsin | 1 | $ 280,000 | $ 280,000 | $ 82,000 |
| Washington, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Waukesha, Wisconsin | 1 | $ 334,000 | $ 334,000 | $ 103,000 |
| Park, Wyoming | 1 | $ 189,000 | $ 189,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2008
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 Purchase | 602 | $155,718,000 | $258,000 | $2,700,000 | $127,000 | $960,000 |
| Refinancing | 114 | $20,401,000 | $178,000 | $694,000 | $97,000 | $523,000 |
| Home Improvement | 3 | $828,000 | $276,000 | $360,000 | $110,000 | $126,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 378 | $93,701,000 | $247,000 | $2,700,000 | $123,000 | $960,000 |
| White | 293 | $70,475,000 | $240,000 | $800,000 | $121,000 | $730,000 |
| Hispanic | 18 | $5,511,000 | $306,000 | $900,000 | $131,000 | $370,000 |
| Black or African American | 15 | $3,426,000 | $228,000 | $395,000 | $113,000 | $174,000 |
| American Indian or Alaskan Native | 6 | $1,414,000 | $235,000 | $417,000 | $134,000 | $187,000 |
| Asian | 6 | $1,372,000 | $228,000 | $417,000 | $103,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,048,000 | $349,000 | $385,000 | $161,000 | $219,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 649 | $164,694,000 | $253,000 | $2,700,000 | $128,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 70 | $12,253,000 | $175,000 | $514,000 | $66,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 541 | $130,358,000 | $240,000 | $1,300,000 | $121,000 | $825,000 |
| Application Withdrawn By Applicant | 115 | $33,852,000 | $294,000 | $2,700,000 | $139,000 | $960,000 |
| Application Denied By Financial Institution | 51 | $11,058,000 | $216,000 | $600,000 | $100,000 | $370,000 |
| Application Approved But Not Accepted | 7 | $1,172,000 | $167,000 | $375,000 | $149,000 | $264,000 |
| File Closed For Incompleteness | 5 | $507,000 | $101,000 | $173,000 | $46,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 33 | $7,617,000 | $230,000 | $486,000 | $107,000 | $370,000 |
| Credit History | 6 | $1,070,000 | $178,000 | $323,000 | $63,000 | $138,000 |
| Debt-To-Income Ratio | 6 | $1,103,000 | $183,000 | $276,000 | $65,000 | $175,000 |
| Employment History | 2 | $850,000 | $425,000 | $600,000 | $250,000 | $306,000 |
| Credit Application Incomplete | 2 | $229,000 | $114,000 | $151,000 | $88,000 | $146,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2008 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 Proficio 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 Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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