Proficio Bank Mortgage Lending & HMDA Data, 2010

In 2010, Proficio Bank of Cottonwood Heights, UT reported 2,194 mortgage applications totaling $435.2 million, down 6% from 2009. The average application was for $198,347, and applicants reported an average income of $70,104. 63% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (244), Atlanta-Sandy Springs-Marietta, GA (170) and Pittsburgh, PA (139) (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 2,194
Total Mortgage Loan Application Amount $435,174,000
Average Mortgage Loan Application Amount $198,347
Highest Mortgage Loan Application Amount $872,000
Average Applicant Income $70,104
Highest Applicant Income $1,430,000

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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Proficio Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Prince George's, Maryland 76 $ 16,286,000 $ 214,289 $ 59,000
Allegheny, Pennsylvania 76 $ 11,302,000 $ 148,710 $ 76,000
Stanislaus, California 67 $ 7,770,000 $ 115,970 $ 35,000
Davidson, Tennessee 45 $ 5,538,000 $ 123,066 $ 45,000
Fairfax, Virginia 41 $ 12,322,000 $ 300,536 $ 89,000
Prince William, Virginia 39 $ 8,499,000 $ 217,923 $ 63,000
District of Columbia, District Of Columbia 33 $ 12,891,000 $ 390,636 $ 146,000
Orange, Florida 31 $ 4,236,000 $ 136,645 $ 61,000
Anne Arundel, Maryland 31 $ 9,012,000 $ 290,709 $ 84,000
Polk, Florida 30 $ 4,317,000 $ 143,900 $ 66,000
Westmoreland, Pennsylvania 29 $ 4,208,000 $ 145,103 $ 80,000
Richland, South Carolina 27 $ 3,693,000 $ 136,777 $ 59,000
Fulton, Georgia 25 $ 4,613,000 $ 184,520 $ 68,000
Montgomery, Maryland 25 $ 6,743,000 $ 269,720 $ 74,000
Ocean, New Jersey 25 $ 6,005,000 $ 240,200 $ 77,000
Rutherford, Tennessee 25 $ 3,612,000 $ 144,480 $ 46,000
Baltimore, Maryland 23 $ 4,947,000 $ 215,086 $ 72,000
Essex, New Jersey 21 $ 5,749,000 $ 273,761 $ 92,000
Gwinnett, Georgia 20 $ 3,260,000 $ 163,000 $ 66,000
Middlesex, New Jersey 20 $ 5,852,000 $ 292,600 $ 104,000
Union, New Jersey 20 $ 5,122,000 $ 256,100 $ 76,000
Clayton, Georgia 19 $ 1,683,000 $ 88,578 $ 31,000
DeKalb, Georgia 19 $ 2,473,000 $ 130,157 $ 54,000
Suffolk, New York 19 $ 5,502,000 $ 289,578 $ 114,000
Charles, Maryland 17 $ 4,291,000 $ 252,411 $ 90,000
Berks, Pennsylvania 17 $ 2,439,000 $ 143,470 $ 52,000
Cobb, Georgia 16 $ 2,748,000 $ 171,750 $ 60,000
Queens, New York 16 $ 5,685,000 $ 355,312 $ 77,000
Montgomery, Pennsylvania 16 $ 3,164,000 $ 197,750 $ 64,000
Philadelphia, Pennsylvania 15 $ 2,013,000 $ 134,200 $ 46,000
Santa Clara, California 14 $ 4,616,000 $ 329,714 $ 91,000
Baltimore City, Maryland 14 $ 2,361,000 $ 168,642 $ 76,000
Monmouth, New Jersey 14 $ 3,480,000 $ 248,571 $ 58,000
Newton, Georgia 13 $ 1,807,000 $ 139,000 $ 44,000
Burlington, New Jersey 13 $ 2,977,000 $ 229,000 $ 45,000
Gloucester, New Jersey 13 $ 2,611,000 $ 200,846 $ 174,000
Loudoun, Virginia 13 $ 4,330,000 $ 333,076 $ 93,000
Merced, California 12 $ 1,205,000 $ 100,416 $ 27,000
New Castle, Delaware 12 $ 2,672,000 $ 222,666 $ 64,000
Seminole, Florida 12 $ 1,394,000 $ 116,166 $ 55,000
Camden, New Jersey 12 $ 2,479,000 $ 206,583 $ 48,000
Nassau, New York 12 $ 3,599,000 $ 299,916 $ 93,000
Beaver, Pennsylvania 12 $ 1,452,000 $ 121,000 $ 65,000
Montgomery, Kentucky 11 $ 1,417,000 $ 128,818 $ 41,000
Westchester, New York 11 $ 3,290,000 $ 299,090 $ 118,000
Multnomah, Oregon 11 $ 2,234,000 $ 203,090 $ 52,000
Delaware, Pennsylvania 11 $ 2,503,000 $ 227,545 $ 88,000
Palm Beach, Florida 10 $ 1,645,000 $ 164,500 $ 52,000
Pasco, Florida 10 $ 1,480,000 $ 148,000 $ 44,000
Volusia, Florida 10 $ 1,920,000 $ 192,000 $ 44,000
Cherokee, Georgia 10 $ 1,907,000 $ 190,700 $ 66,000
Henry, Georgia 10 $ 1,617,000 $ 161,700 $ 52,000
Harford, Maryland 10 $ 2,271,000 $ 227,100 $ 79,000
Kings, New York 10 $ 3,806,000 $ 380,600 $ 103,000
Wilson, North Carolina 10 $ 1,324,000 $ 132,400 $ 36,000
Franklin, Ohio 10 $ 1,322,000 $ 132,200 $ 65,000
Broward, Florida 9 $ 1,763,000 $ 195,888 $ 63,000
Forsyth, Georgia 9 $ 1,665,000 $ 185,000 $ 88,000
Macomb, Michigan 9 $ 1,495,000 $ 166,111 $ 88,000
Chester, Pennsylvania 9 $ 3,004,000 $ 333,777 $ 122,000
Lancaster, Pennsylvania 9 $ 1,382,000 $ 153,555 $ 70,000
Washington, Pennsylvania 9 $ 1,652,000 $ 183,555 $ 119,000
York, Pennsylvania 9 $ 1,886,000 $ 209,555 $ 90,000
Knox, Tennessee 9 $ 1,482,000 $ 164,666 $ 70,000
Culpeper, Virginia 9 $ 2,018,000 $ 224,222 $ 83,000
San Joaquin, California 8 $ 1,130,000 $ 141,250 $ 40,000
Hartford, Connecticut 8 $ 1,527,000 $ 190,875 $ 58,000
Bartow, Georgia 8 $ 1,303,000 $ 162,875 $ 37,000
Wake, North Carolina 8 $ 1,612,000 $ 201,500 $ 128,000
Williamson, Tennessee 8 $ 2,102,000 $ 262,750 $ 102,000
Harris, Texas 8 $ 973,000 $ 121,625 $ 39,000
Arlington, Virginia 8 $ 3,340,000 $ 417,500 $ 144,000
Henrico, Virginia 8 $ 1,611,000 $ 201,375 $ 77,000
Hillsborough, Florida 7 $ 899,000 $ 128,428 $ 53,000
Cook, Illinois 7 $ 1,556,000 $ 222,285 $ 74,000
Fayette, Kentucky 7 $ 1,014,000 $ 144,857 $ 61,000
Middlesex, Massachusetts 7 $ 2,876,000 $ 410,857 $ 111,000
Oakland, Michigan 7 $ 1,200,000 $ 171,428 $ 130,000
Mecklenburg, North Carolina 7 $ 1,357,000 $ 193,857 $ 55,000
Clermont, Ohio 7 $ 1,701,000 $ 243,000 $ 68,000
Hamilton, Ohio 7 $ 1,154,000 $ 164,857 $ 87,000
Lawrence, Pennsylvania 7 $ 823,000 $ 117,571 $ 65,000
Luzerne, Pennsylvania 7 $ 1,025,000 $ 146,428 $ 55,000
Hamblen, Tennessee 7 $ 1,080,000 $ 154,285 $ 37,000
Sumner, Tennessee 7 $ 977,000 $ 139,571 $ 60,000
Alameda, California 6 $ 1,429,000 $ 238,166 $ 79,000
Jefferson, Kentucky 6 $ 1,065,000 $ 177,500 $ 51,000
Worcester, Massachusetts 6 $ 1,486,000 $ 247,666 $ 94,000
Wayne, Michigan 6 $ 657,000 $ 109,500 $ 56,000
Bronx, New York 6 $ 2,225,000 $ 370,833 $ 83,000
Richmond, New York 6 $ 2,292,000 $ 382,000 $ 92,000
Cumberland, North Carolina 6 $ 805,000 $ 134,166 $ 54,000
Bucks, Pennsylvania 6 $ 1,722,000 $ 287,000 $ 103,000
Butler, Pennsylvania 6 $ 1,268,000 $ 211,333 $ 73,000
Clearfield, Pennsylvania 6 $ 430,000 $ 71,666 $ 40,000
Monroe, Pennsylvania 6 $ 836,000 $ 139,333 $ 86,000
San Benito, California 5 $ 1,393,000 $ 278,600 $ 64,000
San Bernardino, California 5 $ 849,000 $ 169,800 $ 67,000
Denver, Colorado 5 $ 883,000 $ 176,600 $ 59,000
Brevard, Florida 5 $ 805,000 $ 161,000 $ 56,000
Pinellas, Florida 5 $ 818,000 $ 163,600 $ 51,000
Douglas, Georgia 5 $ 1,050,000 $ 210,000 $ 56,000
Carroll, Maryland 5 $ 1,257,000 $ 251,400 $ 81,000
Clark, Nevada 5 $ 752,000 $ 150,400 $ 42,000
Atlantic, New Jersey 5 $ 1,242,000 $ 248,400 $ 130,000
Bergen, New Jersey 5 $ 1,646,000 $ 329,200 $ 102,000
Mercer, New Jersey 5 $ 1,276,000 $ 255,200 $ 84,000
Somerset, New Jersey 5 $ 2,138,000 $ 427,600 $ 165,000
Sussex, New Jersey 5 $ 1,068,000 $ 213,600 $ 58,000
Summit, Ohio 5 $ 983,000 $ 196,600 $ 64,000
Cumberland, Pennsylvania 5 $ 1,239,000 $ 247,800 $ 77,000
Northampton, Pennsylvania 5 $ 1,035,000 $ 207,000 $ 72,000
Horry, South Carolina 5 $ 1,530,000 $ 306,000 $ 169,000
Hamilton, Tennessee 5 $ 846,000 $ 169,200 $ 94,000
Collin, Texas 5 $ 1,140,000 $ 228,000 $ 113,000
Fresno, California 4 $ 461,000 $ 115,250 $ 39,000
Jefferson, Colorado 4 $ 871,000 $ 217,750 $ 107,000
Sussex, Delaware 4 $ 879,000 $ 219,750 $ 80,000
Collier, Florida 4 $ 1,023,000 $ 255,750 $ 117,000
Lee, Florida 4 $ 420,000 $ 105,000 $ 41,000
Carroll, Georgia 4 $ 367,000 $ 91,750 $ 22,000
Paulding, Georgia 4 $ 382,000 $ 95,500 $ 28,000
Scott, Kentucky 4 $ 748,000 $ 187,000 $ 41,000
Frederick, Maryland 4 $ 850,000 $ 212,500 $ 122,000
Howard, Maryland 4 $ 1,567,000 $ 391,750 $ 77,000
Jackson, Missouri 4 $ 596,000 $ 149,000 $ 69,000
Grafton, New Hampshire 4 $ 459,000 $ 114,750 $ 44,000
Sullivan, New Hampshire 4 $ 476,000 $ 119,000 $ 43,000
Cumberland, New Jersey 4 $ 651,000 $ 162,750 $ 62,000
Hudson, New Jersey 4 $ 1,044,000 $ 261,000 $ 88,000
Albany, New York 4 $ 934,000 $ 233,500 $ 78,000
Monroe, New York 4 $ 474,000 $ 118,500 $ 55,000
Alamance, North Carolina 4 $ 400,000 $ 100,000 $ 37,000
Durham, North Carolina 4 $ 1,151,000 $ 287,750 $ 83,000
Hoke, North Carolina 4 $ 765,000 $ 191,250 $ 75,000
Onslow, North Carolina 4 $ 597,000 $ 149,250 $ 59,000
Oklahoma, Oklahoma 4 $ 339,000 $ 84,750 $ 44,000
Washington, Oregon 4 $ 864,000 $ 216,000 $ 33,000
Fayette, Pennsylvania 4 $ 486,000 $ 121,500 $ 58,000
Charleston, South Carolina 4 $ 560,000 $ 140,000 $ 39,000
Dallas, Texas 4 $ 1,037,000 $ 259,250 $ 123,000
Chesterfield, Virginia 4 $ 764,000 $ 191,000 $ 54,000
Fauquier, Virginia 4 $ 955,000 $ 238,750 $ 32,000
Stafford, Virginia 4 $ 888,000 $ 222,000 $ 71,000
Maricopa, Arizona 3 $ 793,000 $ 264,333 $ 204,000
Union, Arkansas 3 $ 365,000 $ 121,666 $ 89,000
Los Angeles, California 3 $ 888,000 $ 296,000 $ 87,000
Orange, California 3 $ 1,204,000 $ 401,333 $ 110,000
New Haven, Connecticut 3 $ 969,000 $ 323,000 $ 74,000
Lake, Florida 3 $ 332,000 $ 110,666 $ 54,000
Osceola, Florida 3 $ 443,000 $ 147,666 $ 66,000
Chatham, Georgia 3 $ 569,000 $ 189,666 $ 76,000
Hall, Georgia 3 $ 442,000 $ 147,333 $ 52,000
Richmond, Georgia 3 $ 324,000 $ 108,000 $ 26,000
Honolulu, Hawaii 3 $ 1,188,000 $ 396,000 $ 115,000
DuPage, Illinois 3 $ 660,000 $ 220,000 $ 73,000
Will, Illinois 3 $ 1,005,000 $ 335,000 $ 143,000
Calvert, Maryland 3 $ 1,028,000 $ 342,666 $ 25,000
Rockingham, New Hampshire 3 $ 988,000 $ 329,333 $ 98,000
Hunterdon, New Jersey 3 $ 1,141,000 $ 380,333 $ 147,000
Passaic, New Jersey 3 $ 788,000 $ 262,666 $ 105,000
Erie, New York 3 $ 600,000 $ 200,000 $ 159,000
Orange, New York 3 $ 743,000 $ 247,666 $ 116,000
Otsego, New York 3 $ 288,000 $ 96,000 $ 76,000
Ulster, New York 3 $ 617,000 $ 205,666 $ 35,000
Granville, North Carolina 3 $ 651,000 $ 217,000 $ 116,000
Union, North Carolina 3 $ 750,000 $ 250,000 $ 68,000
Cuyahoga, Ohio 3 $ 261,000 $ 87,000 $ 46,000
Greene, Ohio 3 $ 351,000 $ 117,000 $ 34,000
Adams, Pennsylvania 3 $ 539,000 $ 179,666 $ 61,000
Armstrong, Pennsylvania 3 $ 400,000 $ 133,333 $ 47,000
Dauphin, Pennsylvania 3 $ 628,000 $ 209,333 $ 45,000
Lehigh, Pennsylvania 3 $ 518,000 $ 172,666 $ 66,000
Pike, Pennsylvania 3 $ 459,000 $ 153,000 $ 37,000
Sevier, Tennessee 3 $ 540,000 $ 180,000 $ 59,000
Tarrant, Texas 3 $ 598,000 $ 199,333 $ 108,000
Salt Lake, Utah 3 $ 483,000 $ 161,000 $ 63,000
Bedford, Virginia 3 $ 326,000 $ 108,666 $ 43,000
Virginia Beach, Virginia 3 $ 599,000 $ 199,666 $ 53,000
Berkeley, West Virginia 3 $ 495,000 $ 165,000 $ 64,000
Monongalia, West Virginia 3 $ 550,000 $ 183,333 $ 68,000
Baldwin, Alabama 2 $ 409,000 $ 204,500 $ 70,000
Jefferson, Alabama 2 $ 473,000 $ 236,500 $ 106,000
Shelby, Alabama 2 $ 675,000 $ 337,500 $ 126,000
Pinal, Arizona 2 $ 206,000 $ 103,000 $ 35,000
Riverside, California 2 $ 547,000 $ 273,500 $ 0
San Diego, California 2 $ 779,000 $ 389,500 $ 110,000
Boulder, Colorado 2 $ 584,000 $ 292,000 $ 114,000
El Paso, Colorado 2 $ 483,000 $ 241,500 $ 40,000
Fairfield, Connecticut 2 $ 762,000 $ 381,000 $ 77,000
Litchfield, Connecticut 2 $ 374,000 $ 187,000 $ 72,000
Clay, Florida 2 $ 302,000 $ 151,000 $ 69,000
Hernando, Florida 2 $ 154,000 $ 77,000 $ 29,000
Marion, Florida 2 $ 180,000 $ 90,000 $ 30,000
Okaloosa, Florida 2 $ 415,000 $ 207,500 $ 0
Catoosa, Georgia 2 $ 400,000 $ 200,000 $ 92,000
Coweta, Georgia 2 $ 338,000 $ 169,000 $ 96,000
Rockdale, Georgia 2 $ 232,000 $ 116,000 $ 45,000
Spalding, Georgia 2 $ 295,000 $ 147,500 $ 11,000
Tazewell, Illinois 2 $ 323,000 $ 161,500 $ 25,000
Clark, Indiana 2 $ 213,000 $ 106,500 $ 64,000
Johnson, Indiana 2 $ 259,000 $ 129,500 $ 60,000
Anderson, Kentucky 2 $ 275,000 $ 137,500 $ 68,000
Daviess, Kentucky 2 $ 340,000 $ 170,000 $ 98,000
Madison, Kentucky 2 $ 281,000 $ 140,500 $ 53,000
Warren, Kentucky 2 $ 432,000 $ 216,000 $ 78,000
Lafayette, Louisiana 2 $ 320,000 $ 160,000 $ 41,000
Lincoln, Louisiana 2 $ 344,000 $ 172,000 $ 117,000
Livingston, Louisiana 2 $ 308,000 $ 154,000 $ 69,000
Orleans, Louisiana 2 $ 370,000 $ 185,000 $ 59,000
St. Tammany, Louisiana 2 $ 466,000 $ 233,000 $ 100,000
Bristol, Massachusetts 2 $ 680,000 $ 340,000 $ 123,000
Essex, Massachusetts 2 $ 421,000 $ 210,500 $ 83,000
Suffolk, Massachusetts 2 $ 744,000 $ 372,000 $ 97,000
Berrien, Michigan 2 $ 324,000 $ 162,000 $ 70,000
St. Louis, Missouri 2 $ 163,000 $ 81,500 $ 68,000
Morris, New Jersey 2 $ 288,000 $ 144,000 $ 94,000
Warren, New Jersey 2 $ 376,000 $ 188,000 $ 20,000
Bernalillo, New Mexico 2 $ 325,000 $ 162,500 $ 38,000
Broome, New York 2 $ 301,000 $ 150,500 $ 114,000
Niagara, New York 2 $ 372,000 $ 186,000 $ 31,000
Oswego, New York 2 $ 333,000 $ 166,500 $ 69,000
Rensselaer, New York 2 $ 468,000 $ 234,000 $ 130,000
Rockland, New York 2 $ 500,000 $ 250,000 $ 124,000
Chatham, North Carolina 2 $ 342,000 $ 171,000 $ 80,000
Harnett, North Carolina 2 $ 306,000 $ 153,000 $ 46,000
Rowan, North Carolina 2 $ 421,000 $ 210,500 $ 68,000
Scotland, North Carolina 2 $ 390,000 $ 195,000 $ 55,000
Brown, Ohio 2 $ 299,000 $ 149,500 $ 82,000
Montgomery, Ohio 2 $ 201,000 $ 100,500 $ 29,000
Union, Ohio 2 $ 534,000 $ 267,000 $ 114,000
Bradford, Pennsylvania 2 $ 375,000 $ 187,500 $ 59,000
Cambria, Pennsylvania 2 $ 189,000 $ 94,500 $ 68,000
Crawford, Pennsylvania 2 $ 205,000 $ 102,500 $ 58,000
Indiana, Pennsylvania 2 $ 238,000 $ 119,000 $ 78,000
Lycoming, Pennsylvania 2 $ 515,000 $ 257,500 $ 72,000
Northumberland, Pennsylvania 2 $ 376,000 $ 188,000 $ 67,000
Susquehanna, Pennsylvania 2 $ 276,000 $ 138,000 $ 57,000
Aiken, South Carolina 2 $ 595,000 $ 297,500 $ 189,000
Beaufort, South Carolina 2 $ 311,000 $ 155,500 $ 53,000
Fairfield, South Carolina 2 $ 332,000 $ 166,000 $ 57,000
Spartanburg, South Carolina 2 $ 652,000 $ 326,000 $ 72,000
Fayette, Tennessee 2 $ 207,000 $ 103,500 $ 61,000
Montgomery, Tennessee 2 $ 326,000 $ 163,000 $ 47,000
Robertson, Tennessee 2 $ 490,000 $ 245,000 $ 81,000
Wilson, Tennessee 2 $ 316,000 $ 158,000 $ 80,000
Fort Bend, Texas 2 $ 455,000 $ 227,500 $ 85,000
Johnson, Texas 2 $ 194,000 $ 97,000 $ 55,000
McLennan, Texas 2 $ 133,000 $ 66,500 $ 54,000
Albemarle, Virginia 2 $ 490,000 $ 245,000 $ 76,000
Hampton, Virginia 2 $ 318,000 $ 159,000 $ 12,000
Newport News, Virginia 2 $ 415,000 $ 207,500 $ 23,000
Portsmouth, Virginia 2 $ 464,000 $ 232,000 $ 44,000
Rappahannock, Virginia 2 $ 692,000 $ 346,000 $ 74,000
Spotsylvania, Virginia 2 $ 348,000 $ 174,000 $ 61,000
Waukesha, Wisconsin 2 $ 383,000 $ 191,500 $ 48,000
Coffee, Alabama 1 $ 204,000 $ 204,000 $ 0
Dale, Alabama 1 $ 82,000 $ 82,000 $ 51,000
Lee, Alabama 1 $ 215,000 $ 215,000 $ 54,000
Mobile, Alabama 1 $ 123,000 $ 123,000 $ 37,000
Pike, Alabama 1 $ 162,000 $ 162,000 $ 87,000
Tuscaloosa, Alabama 1 $ 195,000 $ 195,000 $ 76,000
Walker, Alabama 1 $ 95,000 $ 95,000 $ 89,000
Anchorage, Alaska 1 $ 215,000 $ 215,000 $ 0
Yavapai, Arizona 1 $ 127,000 $ 127,000 $ 33,000
Benton, Arkansas 1 $ 124,000 $ 124,000 $ 40,000
Ouachita, Arkansas 1 $ 235,000 $ 235,000 $ 103,000
Monterey, California 1 $ 156,000 $ 156,000 $ 53,000
San Francisco, California 1 $ 150,000 $ 150,000 $ 0
Adams, Colorado 1 $ 351,000 $ 351,000 $ 111,000
Arapahoe, Colorado 1 $ 415,000 $ 415,000 $ 171,000
Broomfield, Colorado 1 $ 358,000 $ 358,000 $ 73,000
Douglas, Colorado 1 $ 250,000 $ 250,000 $ 115,000
Gunnison, Colorado 1 $ 379,000 $ 379,000 $ 737,000
La Plata, Colorado 1 $ 243,000 $ 243,000 $ 133,000
Mesa, Colorado 1 $ 138,000 $ 138,000 $ 50,000
Middlesex, Connecticut 1 $ 209,000 $ 209,000 $ 46,000
New London, Connecticut 1 $ 183,000 $ 183,000 $ 59,000
Windham, Connecticut 1 $ 110,000 $ 110,000 $ 50,000
Kent, Delaware 1 $ 175,000 $ 175,000 $ 45,000
Duval, Florida 1 $ 148,000 $ 148,000 $ 57,000
Highlands, Florida 1 $ 163,000 $ 163,000 $ 38,000
Miami-Dade, Florida 1 $ 173,000 $ 173,000 $ 47,000
Santa Rosa, Florida 1 $ 281,000 $ 281,000 $ 0
Walton, Florida 1 $ 338,000 $ 338,000 $ 0
Brooks, Georgia 1 $ 113,000 $ 113,000 $ 88,000
Camden, Georgia 1 $ 162,000 $ 162,000 $ 37,000
Dade, Georgia 1 $ 164,000 $ 164,000 $ 110,000
Decatur, Georgia 1 $ 139,000 $ 139,000 $ 43,000
Floyd, Georgia 1 $ 117,000 $ 117,000 $ 51,000
Hart, Georgia 1 $ 106,000 $ 106,000 $ 28,000
Jackson, Georgia 1 $ 78,000 $ 78,000 $ 0
Jasper, Georgia 1 $ 64,000 $ 64,000 $ 23,000
Jefferson, Georgia 1 $ 114,000 $ 114,000 $ 49,000
Liberty, Georgia 1 $ 125,000 $ 125,000 $ 46,000
Muscogee, Georgia 1 $ 104,000 $ 104,000 $ 0
Walker, Georgia 1 $ 156,000 $ 156,000 $ 72,000
Walton, Georgia 1 $ 180,000 $ 180,000 $ 68,000
Bonner, Idaho 1 $ 234,000 $ 234,000 $ 37,000
Clearwater, Idaho 1 $ 152,000 $ 152,000 $ 62,000
Elmore, Idaho 1 $ 84,000 $ 84,000 $ 36,000
Lake, Illinois 1 $ 251,000 $ 251,000 $ 94,000
McHenry, Illinois 1 $ 119,000 $ 119,000 $ 75,000
McLean, Illinois 1 $ 131,000 $ 131,000 $ 79,000
Peoria, Illinois 1 $ 58,000 $ 58,000 $ 36,000
St. Clair, Illinois 1 $ 188,000 $ 188,000 $ 0
Vermilion, Illinois 1 $ 76,000 $ 76,000 $ 0
Williamson, Illinois 1 $ 179,000 $ 179,000 $ 123,000
Bartholomew, Indiana 1 $ 117,000 $ 117,000 $ 51,000
Boone, Indiana 1 $ 113,000 $ 113,000 $ 82,000
Elkhart, Indiana 1 $ 102,000 $ 102,000 $ 30,000
Floyd, Indiana 1 $ 244,000 $ 244,000 $ 72,000
Hamilton, Indiana 1 $ 182,000 $ 182,000 $ 59,000
Harrison, Indiana 1 $ 142,000 $ 142,000 $ 61,000
Hendricks, Indiana 1 $ 220,000 $ 220,000 $ 146,000
Kosciusko, Indiana 1 $ 142,000 $ 142,000 $ 0
LaPorte, Indiana 1 $ 205,000 $ 205,000 $ 61,000
Marion, Indiana 1 $ 153,000 $ 153,000 $ 46,000
Ripley, Indiana 1 $ 136,000 $ 136,000 $ 48,000
Tipton, Indiana 1 $ 129,000 $ 129,000 $ 113,000
Cass, Iowa 1 $ 175,000 $ 175,000 $ 46,000
Harrison, Iowa 1 $ 250,000 $ 250,000 $ 51,000
Douglas, Kansas 1 $ 186,000 $ 186,000 $ 57,000
Johnson, Kansas 1 $ 130,000 $ 130,000 $ 45,000
Christian, Kentucky 1 $ 69,000 $ 69,000 $ 102,000
Clark, Kentucky 1 $ 125,000 $ 125,000 $ 0
Garrard, Kentucky 1 $ 150,000 $ 150,000 $ 81,000
Greenup, Kentucky 1 $ 88,000 $ 88,000 $ 32,000
Hopkins, Kentucky 1 $ 130,000 $ 130,000 $ 89,000
Jessamine, Kentucky 1 $ 105,000 $ 105,000 $ 44,000
Kenton, Kentucky 1 $ 104,000 $ 104,000 $ 80,000
Lincoln, Kentucky 1 $ 136,000 $ 136,000 $ 84,000
McCracken, Kentucky 1 $ 116,000 $ 116,000 $ 51,000
Nicholas, Kentucky 1 $ 92,000 $ 92,000 $ 46,000
Pulaski, Kentucky 1 $ 148,000 $ 148,000 $ 37,000
Rockcastle, Kentucky 1 $ 117,000 $ 117,000 $ 0
Whitley, Kentucky 1 $ 84,000 $ 84,000 $ 63,000
St. Bernard, Louisiana 1 $ 193,000 $ 193,000 $ 0
St. John the Baptist, Louisiana 1 $ 126,000 $ 126,000 $ 37,000
St. Landry, Louisiana 1 $ 57,000 $ 57,000 $ 35,000
Vermilion, Louisiana 1 $ 83,000 $ 83,000 $ 73,000
York, Maine 1 $ 118,000 $ 118,000 $ 43,000
Dorchester, Maryland 1 $ 199,000 $ 199,000 $ 39,000
Kent, Maryland 1 $ 323,000 $ 323,000 $ 134,000
Somerset, Maryland 1 $ 200,000 $ 200,000 $ 73,000
St. Mary's, Maryland 1 $ 417,000 $ 417,000 $ 101,000
Talbot, Maryland 1 $ 165,000 $ 165,000 $ 55,000
Washington, Maryland 1 $ 349,000 $ 349,000 $ 0
Wicomico, Maryland 1 $ 119,000 $ 119,000 $ 57,000
Hampden, Massachusetts 1 $ 188,000 $ 188,000 $ 89,000
Norfolk, Massachusetts 1 $ 265,000 $ 265,000 $ 59,000
Plymouth, Massachusetts 1 $ 319,000 $ 319,000 $ 132,000
Benzie, Michigan 1 $ 306,000 $ 306,000 $ 277,000
Delta, Michigan 1 $ 101,000 $ 101,000 $ 0
St. Clair, Michigan 1 $ 116,000 $ 116,000 $ 74,000
Hennepin, Minnesota 1 $ 297,000 $ 297,000 $ 111,000
Forrest, Mississippi 1 $ 43,000 $ 43,000 $ 77,000
Harrison, Mississippi 1 $ 56,000 $ 56,000 $ 28,000
Jackson, Mississippi 1 $ 172,000 $ 172,000 $ 86,000
Lowndes, Mississippi 1 $ 224,000 $ 224,000 $ 97,000
Rankin, Mississippi 1 $ 90,000 $ 90,000 $ 21,000
Morgan, Missouri 1 $ 192,000 $ 192,000 $ 72,000
Pulaski, Missouri 1 $ 276,000 $ 276,000 $ 65,000
St. Charles, Missouri 1 $ 220,000 $ 220,000 $ 122,000
Taney, Missouri 1 $ 156,000 $ 156,000 $ 63,000
Cascade, Montana 1 $ 190,000 $ 190,000 $ 0
Gallatin, Montana 1 $ 309,000 $ 309,000 $ 0
Park, Montana 1 $ 325,000 $ 325,000 $ 132,000
Douglas, Nebraska 1 $ 209,000 $ 209,000 $ 81,000
Sarpy, Nebraska 1 $ 215,000 $ 215,000 $ 22,000
Belknap, New Hampshire 1 $ 212,000 $ 212,000 $ 0
Hillsborough, New Hampshire 1 $ 259,000 $ 259,000 $ 98,000
Grant, New Mexico 1 $ 159,000 $ 159,000 $ 36,000
McKinley, New Mexico 1 $ 200,000 $ 200,000 $ 45,000
Otero, New Mexico 1 $ 116,000 $ 116,000 $ 139,000
San Miguel, New Mexico 1 $ 196,000 $ 196,000 $ 131,000
Cattaraugus, New York 1 $ 200,000 $ 200,000 $ 129,000
Chautauqua, New York 1 $ 50,000 $ 50,000 $ 45,000
Chemung, New York 1 $ 82,000 $ 82,000 $ 48,000
Dutchess, New York 1 $ 149,000 $ 149,000 $ 35,000
Genesee, New York 1 $ 95,000 $ 95,000 $ 0
Hamilton, New York 1 $ 175,000 $ 175,000 $ 59,000
New York, New York 1 $ 201,000 $ 201,000 $ 52,000
Onondaga, New York 1 $ 268,000 $ 268,000 $ 175,000
Putnam, New York 1 $ 502,000 $ 502,000 $ 200,000
Saratoga, New York 1 $ 162,000 $ 162,000 $ 141,000
Wayne, New York 1 $ 216,000 $ 216,000 $ 116,000
Wyoming, New York 1 $ 127,000 $ 127,000 $ 72,000
Alleghany, North Carolina 1 $ 150,000 $ 150,000 $ 125,000
Bertie, North Carolina 1 $ 85,000 $ 85,000 $ 58,000
Catawba, North Carolina 1 $ 173,000 $ 173,000 $ 54,000
Columbus, North Carolina 1 $ 112,000 $ 112,000 $ 28,000
Craven, North Carolina 1 $ 409,000 $ 409,000 $ 100,000
Currituck, North Carolina 1 $ 300,000 $ 300,000 $ 67,000
Dare, North Carolina 1 $ 221,000 $ 221,000 $ 79,000
Edgecombe, North Carolina 1 $ 185,000 $ 185,000 $ 0
Franklin, North Carolina 1 $ 136,000 $ 136,000 $ 24,000
Greene, North Carolina 1 $ 100,000 $ 100,000 $ 0
Guilford, North Carolina 1 $ 328,000 $ 328,000 $ 101,000
Iredell, North Carolina 1 $ 111,000 $ 111,000 $ 22,000
Johnston, North Carolina 1 $ 172,000 $ 172,000 $ 38,000
Lee, North Carolina 1 $ 169,000 $ 169,000 $ 107,000
Lincoln, North Carolina 1 $ 141,000 $ 141,000 $ 122,000
McDowell, North Carolina 1 $ 192,000 $ 192,000 $ 220,000
Moore, North Carolina 1 $ 410,000 $ 410,000 $ 149,000
New Hanover, North Carolina 1 $ 180,000 $ 180,000 $ 68,000
Pamlico, North Carolina 1 $ 102,000 $ 102,000 $ 35,000
Adams, Ohio 1 $ 100,000 $ 100,000 $ 0
Butler, Ohio 1 $ 107,000 $ 107,000 $ 49,000
Fayette, Ohio 1 $ 68,000 $ 68,000 $ 28,000
Geauga, Ohio 1 $ 210,000 $ 210,000 $ 63,000
Holmes, Ohio 1 $ 91,000 $ 91,000 $ 0
Licking, Ohio 1 $ 204,000 $ 204,000 $ 133,000
Lucas, Ohio 1 $ 225,000 $ 225,000 $ 85,000
Scioto, Ohio 1 $ 164,000 $ 164,000 $ 68,000
Warren, Ohio 1 $ 53,000 $ 53,000 $ 77,000
Muskogee, Oklahoma 1 $ 135,000 $ 135,000 $ 66,000
Tulsa, Oklahoma 1 $ 165,000 $ 165,000 $ 89,000
Clackamas, Oregon 1 $ 312,000 $ 312,000 $ 57,000
Douglas, Oregon 1 $ 88,000 $ 88,000 $ 78,000
Lane, Oregon 1 $ 134,000 $ 134,000 $ 98,000
Marion, Oregon 1 $ 220,000 $ 220,000 $ 49,000
Blair, Pennsylvania 1 $ 108,000 $ 108,000 $ 74,000
Carbon, Pennsylvania 1 $ 405,000 $ 405,000 $ 0
Columbia, Pennsylvania 1 $ 161,000 $ 161,000 $ 48,000
Franklin, Pennsylvania 1 $ 133,000 $ 133,000 $ 36,000
Jefferson, Pennsylvania 1 $ 57,000 $ 57,000 $ 37,000
Lackawanna, Pennsylvania 1 $ 145,000 $ 145,000 $ 55,000
Lebanon, Pennsylvania 1 $ 123,000 $ 123,000 $ 53,000
Mercer, Pennsylvania 1 $ 144,000 $ 144,000 $ 75,000
Montour, Pennsylvania 1 $ 260,000 $ 260,000 $ 152,000
Schuylkill, Pennsylvania 1 $ 156,000 $ 156,000 $ 46,000
Wayne, Pennsylvania 1 $ 143,000 $ 143,000 $ 61,000
Kent, Rhode Island 1 $ 268,000 $ 268,000 $ 81,000
Providence, Rhode Island 1 $ 288,000 $ 288,000 $ 67,000
Anderson, South Carolina 1 $ 92,000 $ 92,000 $ 30,000
Clarendon, South Carolina 1 $ 289,000 $ 289,000 $ 69,000
Dorchester, South Carolina 1 $ 87,000 $ 87,000 $ 21,000
Greenville, South Carolina 1 $ 113,000 $ 113,000 $ 59,000
Kershaw, South Carolina 1 $ 181,000 $ 181,000 $ 0
Lexington, South Carolina 1 $ 199,000 $ 199,000 $ 0
McCormick, South Carolina 1 $ 57,000 $ 57,000 $ 28,000
Pickens, South Carolina 1 $ 114,000 $ 114,000 $ 28,000
Cannon, Tennessee 1 $ 113,000 $ 113,000 $ 40,000
Claiborne, Tennessee 1 $ 78,000 $ 78,000 $ 40,000
Coffee, Tennessee 1 $ 97,000 $ 97,000 $ 39,000
Dickson, Tennessee 1 $ 140,000 $ 140,000 $ 50,000
Greene, Tennessee 1 $ 103,000 $ 103,000 $ 58,000
Loudon, Tennessee 1 $ 139,000 $ 139,000 $ 58,000
Marshall, Tennessee 1 $ 112,000 $ 112,000 $ 38,000
Maury, Tennessee 1 $ 188,000 $ 188,000 $ 57,000
Bell, Texas 1 $ 130,000 $ 130,000 $ 0
Colorado, Texas 1 $ 387,000 $ 387,000 $ 117,000
Denton, Texas 1 $ 248,000 $ 248,000 $ 66,000
Hidalgo, Texas 1 $ 100,000 $ 100,000 $ 40,000
Lavaca, Texas 1 $ 271,000 $ 271,000 $ 87,000
Lubbock, Texas 1 $ 160,000 $ 160,000 $ 69,000
Montgomery, Texas 1 $ 180,000 $ 180,000 $ 88,000
Washington, Texas 1 $ 300,000 $ 300,000 $ 102,000
Williamson, Texas 1 $ 393,000 $ 393,000 $ 102,000
Box Elder, Utah 1 $ 118,000 $ 118,000 $ 75,000
Tooele, Utah 1 $ 225,000 $ 225,000 $ 102,000
Utah, Utah 1 $ 185,000 $ 185,000 $ 41,000
Weber, Utah 1 $ 135,000 $ 135,000 $ 28,000
Windsor, Vermont 1 $ 55,000 $ 55,000 $ 24,000
Alexandria, Virginia 1 $ 256,000 $ 256,000 $ 68,000
Buchanan, Virginia 1 $ 188,000 $ 188,000 $ 84,000
Caroline, Virginia 1 $ 139,000 $ 139,000 $ 0
Dinwiddie, Virginia 1 $ 150,000 $ 150,000 $ 81,000
Grayson, Virginia 1 $ 105,000 $ 105,000 $ 52,000
Halifax, Virginia 1 $ 244,000 $ 244,000 $ 71,000
Hanover, Virginia 1 $ 252,000 $ 252,000 $ 90,000
Hopewell, Virginia 1 $ 124,000 $ 124,000 $ 43,000
Manassas Park, Virginia 1 $ 228,000 $ 228,000 $ 66,000
Middlesex, Virginia 1 $ 288,000 $ 288,000 $ 54,000
Northampton, Virginia 1 $ 140,000 $ 140,000 $ 82,000
Pulaski, Virginia 1 $ 115,000 $ 115,000 $ 42,000
Roanoke, Virginia 1 $ 200,000 $ 200,000 $ 36,000
Shenandoah, Virginia 1 $ 133,000 $ 133,000 $ 82,000
Warren, Virginia 1 $ 141,000 $ 141,000 $ 65,000
Westmoreland, Virginia 1 $ 240,000 $ 240,000 $ 0
Wise, Virginia 1 $ 157,000 $ 157,000 $ 62,000
York, Virginia 1 $ 319,000 $ 319,000 $ 122,000
Hampshire, West Virginia 1 $ 105,000 $ 105,000 $ 140,000
Hancock, West Virginia 1 $ 137,000 $ 137,000 $ 85,000
Jefferson, West Virginia 1 $ 378,000 $ 378,000 $ 121,000
Marion, West Virginia 1 $ 112,000 $ 112,000 $ 0
Mercer, West Virginia 1 $ 65,000 $ 65,000 $ 32,000
Morgan, West Virginia 1 $ 202,000 $ 202,000 $ 88,000
Pendleton, West Virginia 1 $ 91,000 $ 91,000 $ 74,000
Ritchie, West Virginia 1 $ 192,000 $ 192,000 $ 57,000
Upshur, West Virginia 1 $ 115,000 $ 115,000 $ 45,000
Green Lake, Wisconsin 1 $ 124,000 $ 124,000 $ 55,000
Kenosha, Wisconsin 1 $ 126,000 $ 126,000 $ 32,000
Marathon, Wisconsin 1 $ 96,000 $ 96,000 $ 23,000
Marquette, Wisconsin 1 $ 129,000 $ 129,000 $ 26,000
Laramie, Wyoming 1 $ 301,000 $ 301,000 $ 0

Mortgage Loan Application Detail Totals for Proficio Bank in 2010

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
Refinancing 1,120 $239,835,000 $214,000 $840,000 $75,000 $1,430,000
Home Purchase 1,074 $195,339,000 $181,000 $872,000 $65,000 $556,000
Home Improvement 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 1,262 $259,433,000 $205,000 $872,000 $79,000 $1,430,000
Black or African American 398 $72,170,000 $181,000 $617,000 $56,000 $186,000
Hispanic 272 $43,740,000 $160,000 $632,000 $46,000 $206,000
Not Provided 180 $38,758,000 $215,000 $705,000 $77,000 $230,000
Asian 72 $18,920,000 $262,000 $730,000 $85,000 $325,000
Native Hawaiian or Other Pacific Islander 7 $1,593,000 $227,000 $387,000 $78,000 $211,000
American Indian or Alaskan Native 3 $560,000 $186,000 $227,000 $47,000 $51,000
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
FHA-insured (Federal Housing Administration) 1,347 $253,036,000 $187,000 $872,000 $58,000 $506,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 681 $149,937,000 $220,000 $840,000 $101,000 $1,430,000
VA-guaranteed (Veterans Administration) 137 $28,714,000 $209,000 $625,000 $48,000 $222,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,487,000 $120,000 $228,000 $41,000 $100,000

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 1,374 $275,387,000 $200,000 $872,000 $74,000 $1,430,000
Application Denied By Financial Institution 583 $113,194,000 $194,000 $730,000 $65,000 $556,000
Application Withdrawn By Applicant 118 $22,579,000 $191,000 $494,000 $57,000 $226,000
Application Approved But Not Accepted 111 $22,805,000 $205,000 $730,000 $68,000 $506,000
File Closed For Incompleteness 8 $1,209,000 $151,000 $243,000 $42,000 $96,000
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
Other 215 $43,505,000 $202,000 $730,000 $69,000 $556,000
Debt-To-Income Ratio 90 $18,536,000 $205,000 $500,000 $59,000 $277,000
Credit History 74 $14,136,000 $191,000 $650,000 $56,000 $167,000
Collateral 66 $11,852,000 $179,000 $385,000 $73,000 $490,000
Unverifiable Information 51 $10,214,000 $200,000 $452,000 $80,000 $424,000
Credit Application Incomplete 34 $5,923,000 $174,000 $378,000 $48,000 $146,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,012,000 $143,000 $297,000 $57,000 $125,000
Employment History 11 $1,879,000 $170,000 $385,000 $70,000 $300,000
Mortgage Insurance Denied 1 $342,000 $342,000 $342,000 $79,000 $79,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2010 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.
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