Proficio Bank Mortgage Lending & HMDA Data, 2011

In 2011, Proficio Bank of Cottonwood Heights, UT reported 1,666 mortgage applications totaling $326.0 million, down 24% from 2010. The average application was for $195,678, and applicants reported an average income of $81,162. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (149), Atlanta-Sandy Springs-Marietta, GA (78) and Washington-Arlington-Alexandria, DC-VA-MD-WV (77) (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 1,666
Total Mortgage Loan Application Amount $326,001,000
Average Mortgage Loan Application Amount $195,678
Highest Mortgage Loan Application Amount $910,000
Average Applicant Income $81,162
Highest Applicant Income $718,000

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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montgomery, Texas 72 $ 13,029,000 $ 180,958 $ 101,000
Harris, Texas 53 $ 9,303,000 $ 175,528 $ 108,000
Orange, Florida 36 $ 5,358,000 $ 148,833 $ 78,000
Cook, Illinois 34 $ 5,905,000 $ 173,676 $ 73,000
Allegheny, Pennsylvania 29 $ 5,253,000 $ 181,137 $ 83,000
Anne Arundel, Maryland 25 $ 6,489,000 $ 259,560 $ 103,000
Westmoreland, Pennsylvania 21 $ 3,085,000 $ 146,904 $ 58,000
Berks, Pennsylvania 20 $ 3,306,000 $ 165,300 $ 88,000
District of Columbia, District Of Columbia 19 $ 8,174,000 $ 430,210 $ 140,000
Hillsborough, Florida 17 $ 2,534,000 $ 149,058 $ 54,000
Fairfax, Virginia 17 $ 5,703,000 $ 335,470 $ 111,000
Polk, Florida 16 $ 1,784,000 $ 111,500 $ 61,000
Stanislaus, California 15 $ 1,607,000 $ 107,133 $ 37,000
Hartford, Connecticut 15 $ 2,924,000 $ 194,933 $ 68,000
Fulton, Georgia 15 $ 1,992,000 $ 132,800 $ 80,000
Prince George's, Maryland 15 $ 2,646,000 $ 176,400 $ 64,000
DeKalb, Georgia 14 $ 2,659,000 $ 189,928 $ 61,000
Bronx, New York 14 $ 3,785,000 $ 270,357 $ 90,000
Cumberland, North Carolina 14 $ 1,964,000 $ 140,285 $ 50,000
Nassau, New York 13 $ 4,186,000 $ 322,000 $ 103,000
Dallas, Texas 13 $ 2,399,000 $ 184,538 $ 102,000
Tarrant, Texas 13 $ 2,783,000 $ 214,076 $ 140,000
Virginia Beach, Virginia 13 $ 2,704,000 $ 208,000 $ 68,000
Gwinnett, Georgia 12 $ 1,749,000 $ 145,750 $ 56,000
Fort Bend, Texas 12 $ 2,438,000 $ 203,166 $ 113,000
Suffolk, New York 11 $ 3,433,000 $ 312,090 $ 91,000
Seminole, Florida 10 $ 1,409,000 $ 140,900 $ 54,000
Kane, Illinois 10 $ 1,250,000 $ 125,000 $ 44,000
Baltimore, Maryland 10 $ 1,897,000 $ 189,700 $ 78,000
Mecklenburg, North Carolina 9 $ 1,254,000 $ 139,333 $ 66,000
Lancaster, Pennsylvania 9 $ 1,671,000 $ 185,666 $ 65,000
Philadelphia, Pennsylvania 9 $ 1,316,000 $ 146,222 $ 43,000
Jefferson, Tennessee 9 $ 1,606,000 $ 178,444 $ 90,000
Jefferson, Colorado 8 $ 1,669,000 $ 208,625 $ 87,000
Cobb, Georgia 8 $ 1,878,000 $ 234,750 $ 71,000
Plymouth, Massachusetts 8 $ 2,318,000 $ 289,750 $ 116,000
Worcester, Massachusetts 8 $ 1,613,000 $ 201,625 $ 86,000
Ocean, New Jersey 8 $ 1,949,000 $ 243,625 $ 100,000
Orange, New York 8 $ 1,861,000 $ 232,625 $ 53,000
Delaware, Pennsylvania 8 $ 1,574,000 $ 196,750 $ 168,000
Culpeper, Virginia 8 $ 1,529,000 $ 191,125 $ 65,000
Riverside, California 7 $ 1,015,000 $ 145,000 $ 52,000
Santa Clara, California 7 $ 2,211,000 $ 315,857 $ 71,000
Adams, Colorado 7 $ 1,291,000 $ 184,428 $ 77,000
Tolland, Connecticut 7 $ 1,358,000 $ 194,000 $ 67,000
New Castle, Delaware 7 $ 1,804,000 $ 257,714 $ 116,000
Montgomery, Maryland 7 $ 2,679,000 $ 382,714 $ 138,000
Essex, Massachusetts 7 $ 1,713,000 $ 244,714 $ 243,000
Chester, Pennsylvania 7 $ 1,510,000 $ 215,714 $ 97,000
Montgomery, Pennsylvania 7 $ 2,289,000 $ 327,000 $ 109,000
Knox, Tennessee 7 $ 738,000 $ 105,428 $ 57,000
Collin, Texas 7 $ 1,683,000 $ 240,428 $ 96,000
Denton, Texas 7 $ 1,652,000 $ 236,000 $ 94,000
Prince William, Virginia 7 $ 1,687,000 $ 241,000 $ 96,000
Orange, California 6 $ 1,745,000 $ 290,833 $ 84,000
Fairfield, Connecticut 6 $ 2,403,000 $ 400,500 $ 151,000
Clayton, Georgia 6 $ 500,000 $ 83,333 $ 32,000
Middlesex, Massachusetts 6 $ 1,607,000 $ 267,833 $ 86,000
Clark, Nevada 6 $ 1,072,000 $ 178,666 $ 74,000
Bergen, New Jersey 6 $ 2,115,000 $ 352,500 $ 112,000
Camden, New Jersey 6 $ 839,000 $ 139,833 $ 83,000
Hudson, New Jersey 6 $ 1,772,000 $ 295,333 $ 98,000
Middlesex, New Jersey 6 $ 1,403,000 $ 233,833 $ 97,000
Monroe, New York 6 $ 983,000 $ 163,833 $ 67,000
Bucks, Pennsylvania 6 $ 1,593,000 $ 265,500 $ 102,000
Indiana, Pennsylvania 6 $ 782,000 $ 130,333 $ 91,000
Loudoun, Virginia 6 $ 2,220,000 $ 370,000 $ 168,000
Sussex, Delaware 5 $ 1,205,000 $ 241,000 $ 60,000
Pasco, Florida 5 $ 491,000 $ 98,200 $ 44,000
Pinellas, Florida 5 $ 731,000 $ 146,200 $ 69,000
Lake, Illinois 5 $ 1,059,000 $ 211,800 $ 79,000
Will, Illinois 5 $ 825,000 $ 165,000 $ 97,000
Pottawattamie, Iowa 5 $ 393,000 $ 78,600 $ 29,000
Atlantic, New Jersey 5 $ 1,109,000 $ 221,800 $ 63,000
Union, New Jersey 5 $ 797,000 $ 159,400 $ 56,000
Kings, New York 5 $ 2,050,000 $ 410,000 $ 83,000
Rockland, New York 5 $ 1,321,000 $ 264,200 $ 109,000
Westchester, New York 5 $ 2,291,000 $ 458,200 $ 212,000
Wake, North Carolina 5 $ 1,163,000 $ 232,600 $ 93,000
Franklin, Ohio 5 $ 680,000 $ 136,000 $ 50,000
Beaver, Pennsylvania 5 $ 824,000 $ 164,800 $ 88,000
Monroe, Pennsylvania 5 $ 537,000 $ 107,400 $ 50,000
York, Pennsylvania 5 $ 719,000 $ 143,800 $ 50,000
Sullivan, Tennessee 5 $ 692,000 $ 138,400 $ 53,000
Galveston, Texas 5 $ 684,000 $ 136,800 $ 56,000
Salt Lake, Utah 5 $ 1,276,000 $ 255,200 $ 23,000
Chesapeake, Virginia 5 $ 1,262,000 $ 252,400 $ 53,000
Los Angeles, California 4 $ 1,153,000 $ 288,250 $ 79,000
San Bernardino, California 4 $ 992,000 $ 248,000 $ 100,000
New Haven, Connecticut 4 $ 551,000 $ 137,750 $ 70,000
Lake, Florida 4 $ 531,000 $ 132,750 $ 74,000
Lee, Florida 4 $ 697,000 $ 174,250 $ 100,000
Manatee, Florida 4 $ 701,000 $ 175,250 $ 86,000
Sarasota, Florida 4 $ 519,000 $ 129,750 $ 46,000
Volusia, Florida 4 $ 540,000 $ 135,000 $ 59,000
Forsyth, Georgia 4 $ 1,215,000 $ 303,750 $ 139,000
Newton, Georgia 4 $ 378,000 $ 94,500 $ 49,000
DuPage, Illinois 4 $ 580,000 $ 145,000 $ 51,000
Baltimore City, Maryland 4 $ 448,000 $ 112,000 $ 38,000
Charles, Maryland 4 $ 1,220,000 $ 305,000 $ 114,000
Essex, New Jersey 4 $ 882,000 $ 220,500 $ 88,000
Mercer, New Jersey 4 $ 591,000 $ 147,750 $ 88,000
Dutchess, New York 4 $ 1,077,000 $ 269,250 $ 115,000
Queens, New York 4 $ 1,577,000 $ 394,250 $ 95,000
Currituck, North Carolina 4 $ 847,000 $ 211,750 $ 53,000
Washington, Oregon 4 $ 829,000 $ 207,250 $ 77,000
Butler, Pennsylvania 4 $ 865,000 $ 216,250 $ 112,000
Cumberland, Pennsylvania 4 $ 492,000 $ 123,000 $ 45,000
Richland, South Carolina 4 $ 382,000 $ 95,500 $ 57,000
Davidson, Tennessee 4 $ 707,000 $ 176,750 $ 93,000
Alexandria, Virginia 4 $ 790,000 $ 197,500 $ 46,000
Bristol, Virginia 4 $ 322,000 $ 80,500 $ 27,000
Hampton, Virginia 4 $ 609,000 $ 152,250 $ 28,000
Henrico, Virginia 4 $ 698,000 $ 174,500 $ 49,000
Norfolk, Virginia 4 $ 900,000 $ 225,000 $ 53,000
Wood, West Virginia 4 $ 535,000 $ 133,750 $ 46,000
Racine, Wisconsin 4 $ 660,000 $ 165,000 $ 46,000
Jefferson, Alabama 3 $ 505,000 $ 168,333 $ 76,000
Maricopa, Arizona 3 $ 363,000 $ 121,000 $ 36,000
San Joaquin, California 3 $ 508,000 $ 169,333 $ 43,000
Denver, Colorado 3 $ 973,000 $ 324,333 $ 101,000
Litchfield, Connecticut 3 $ 521,000 $ 173,666 $ 80,000
Brevard, Florida 3 $ 502,000 $ 167,333 $ 53,000
Osceola, Florida 3 $ 238,000 $ 79,333 $ 91,000
Jefferson, Kentucky 3 $ 555,000 $ 185,000 $ 51,000
Cumberland, Maine 3 $ 739,000 $ 246,333 $ 100,000
Howard, Maryland 3 $ 1,354,000 $ 451,333 $ 154,000
Oakland, Michigan 3 $ 728,000 $ 242,666 $ 106,000
St. Louis, Missouri 3 $ 663,000 $ 221,000 $ 103,000
Lancaster, Nebraska 3 $ 521,000 $ 173,666 $ 24,000
Bernalillo, New Mexico 3 $ 698,000 $ 232,666 $ 77,000
Richmond, New York 3 $ 850,000 $ 283,333 $ 77,000
Delaware, Ohio 3 $ 680,000 $ 226,666 $ 77,000
Hamilton, Ohio 3 $ 533,000 $ 177,666 $ 94,000
Canadian, Oklahoma 3 $ 572,000 $ 190,666 $ 58,000
Sumter, South Carolina 3 $ 290,000 $ 96,666 $ 48,000
Hamilton, Tennessee 3 $ 689,000 $ 229,666 $ 252,000
Shelby, Tennessee 3 $ 635,000 $ 211,666 $ 76,000
Williamson, Tennessee 3 $ 624,000 $ 208,000 $ 79,000
Bexar, Texas 3 $ 385,000 $ 128,333 $ 81,000
Brazoria, Texas 3 $ 429,000 $ 143,000 $ 109,000
Brazos, Texas 3 $ 484,000 $ 161,333 $ 65,000
Smith, Texas 3 $ 577,000 $ 192,333 $ 83,000
Travis, Texas 3 $ 704,000 $ 234,666 $ 66,000
Gloucester, Virginia 3 $ 704,000 $ 234,666 $ 57,000
Newport News, Virginia 3 $ 428,000 $ 142,666 $ 47,000
Suffolk, Virginia 3 $ 596,000 $ 198,666 $ 109,000
Lee, Alabama 2 $ 317,000 $ 158,500 $ 50,000
Randolph, Alabama 2 $ 138,000 $ 69,000 $ 40,000
Gila, Arizona 2 $ 259,000 $ 129,500 $ 255,000
Pima, Arizona 2 $ 300,000 $ 150,000 $ 47,000
Franklin, Arkansas 2 $ 420,000 $ 210,000 $ 61,000
Pope, Arkansas 2 $ 546,000 $ 273,000 $ 57,000
Union, Arkansas 2 $ 400,000 $ 200,000 $ 86,000
Alameda, California 2 $ 595,000 $ 297,500 $ 123,000
Arapahoe, Colorado 2 $ 360,000 $ 180,000 $ 17,000
Boulder, Colorado 2 $ 527,000 $ 263,500 $ 104,000
Douglas, Colorado 2 $ 589,000 $ 294,500 $ 110,000
Larimer, Colorado 2 $ 488,000 $ 244,000 $ 58,000
Rio Grande, Colorado 2 $ 310,000 $ 155,000 $ 54,000
Weld, Colorado 2 $ 144,000 $ 72,000 $ 36,000
Middlesex, Connecticut 2 $ 396,000 $ 198,000 $ 112,000
Broward, Florida 2 $ 455,000 $ 227,500 $ 54,000
Charlotte, Florida 2 $ 326,000 $ 163,000 $ 48,000
Collier, Florida 2 $ 528,000 $ 264,000 $ 79,000
Duval, Florida 2 $ 431,000 $ 215,500 $ 21,000
Miami-Dade, Florida 2 $ 375,000 $ 187,500 $ 71,000
Santa Rosa, Florida 2 $ 318,000 $ 159,000 $ 12,000
Carroll, Georgia 2 $ 423,000 $ 211,500 $ 147,000
Chatham, Georgia 2 $ 494,000 $ 247,000 $ 78,000
Cherokee, Georgia 2 $ 465,000 $ 232,500 $ 105,000
Fayette, Georgia 2 $ 301,000 $ 150,500 $ 77,000
Greene, Georgia 2 $ 434,000 $ 217,000 $ 48,000
Hall, Georgia 2 $ 332,000 $ 166,000 $ 30,000
Houston, Georgia 2 $ 328,000 $ 164,000 $ 6,000
Honolulu, Hawaii 2 $ 901,000 $ 450,500 $ 101,000
Kankakee, Illinois 2 $ 203,000 $ 101,500 $ 44,000
McHenry, Illinois 2 $ 329,000 $ 164,500 $ 67,000
Elkhart, Indiana 2 $ 372,000 $ 186,000 $ 82,000
Starke, Indiana 2 $ 260,000 $ 130,000 $ 69,000
Sedgwick, Kansas 2 $ 339,000 $ 169,500 $ 47,000
Fayette, Kentucky 2 $ 340,000 $ 170,000 $ 0
Madison, Kentucky 2 $ 353,000 $ 176,500 $ 30,000
Calcasieu, Louisiana 2 $ 415,000 $ 207,500 $ 78,000
Terrebonne, Louisiana 2 $ 326,000 $ 163,000 $ 39,000
Caroline, Maryland 2 $ 409,000 $ 204,500 $ 264,000
Queen Anne's, Maryland 2 $ 832,000 $ 416,000 $ 174,000
Bristol, Massachusetts 2 $ 635,000 $ 317,500 $ 106,000
Hampden, Massachusetts 2 $ 274,000 $ 137,000 $ 78,000
Hampshire, Massachusetts 2 $ 504,000 $ 252,000 $ 88,000
Kent, Michigan 2 $ 311,000 $ 155,500 $ 90,000
DeSoto, Mississippi 2 $ 392,000 $ 196,000 $ 156,000
Oktibbeha, Mississippi 2 $ 436,000 $ 218,000 $ 90,000
Rankin, Mississippi 2 $ 445,000 $ 222,500 $ 216,000
Sunflower, Mississippi 2 $ 136,000 $ 68,000 $ 70,000
Clay, Missouri 2 $ 241,000 $ 120,500 $ 63,000
Burlington, New Jersey 2 $ 482,000 $ 241,000 $ 117,000
Morris, New Jersey 2 $ 653,000 $ 326,500 $ 115,000
Passaic, New Jersey 2 $ 375,000 $ 187,500 $ 110,000
Erie, New York 2 $ 213,000 $ 106,500 $ 55,000
Onondaga, New York 2 $ 330,000 $ 165,000 $ 24,000
Guilford, North Carolina 2 $ 538,000 $ 269,000 $ 89,000
Hoke, North Carolina 2 $ 411,000 $ 205,500 $ 57,000
Hyde, North Carolina 2 $ 110,000 $ 55,000 $ 53,000
Orange, North Carolina 2 $ 402,000 $ 201,000 $ 51,000
Person, North Carolina 2 $ 582,000 $ 291,000 $ 51,000
Randolph, North Carolina 2 $ 285,000 $ 142,500 $ 52,000
Yadkin, North Carolina 2 $ 131,000 $ 65,500 $ 25,000
Jefferson, Ohio 2 $ 184,000 $ 92,000 $ 45,000
Licking, Ohio 2 $ 612,000 $ 306,000 $ 38,000
Wayne, Ohio 2 $ 176,000 $ 88,000 $ 38,000
Cleveland, Oklahoma 2 $ 302,000 $ 151,000 $ 59,000
Oklahoma, Oklahoma 2 $ 334,000 $ 167,000 $ 65,000
Dauphin, Pennsylvania 2 $ 406,000 $ 203,000 $ 73,000
Lawrence, Pennsylvania 2 $ 123,000 $ 61,500 $ 22,000
Lycoming, Pennsylvania 2 $ 286,000 $ 143,000 $ 54,000
Mercer, Pennsylvania 2 $ 228,000 $ 114,000 $ 100,000
Pike, Pennsylvania 2 $ 293,000 $ 146,500 $ 74,000
Providence, Rhode Island 2 $ 472,000 $ 236,000 $ 63,000
Washington, Rhode Island 2 $ 329,000 $ 164,500 $ 40,000
Charleston, South Carolina 2 $ 401,000 $ 200,500 $ 57,000
Greenville, South Carolina 2 $ 339,000 $ 169,500 $ 118,000
Horry, South Carolina 2 $ 251,000 $ 125,500 $ 73,000
Lancaster, South Carolina 2 $ 632,000 $ 316,000 $ 142,000
Yankton, South Dakota 2 $ 256,000 $ 128,000 $ 41,000
Cocke, Tennessee 2 $ 252,000 $ 126,000 $ 47,000
Greene, Tennessee 2 $ 176,000 $ 88,000 $ 33,000
Bell, Texas 2 $ 193,000 $ 96,500 $ 39,000
Liberty, Texas 2 $ 315,000 $ 157,500 $ 81,000
Van Zandt, Texas 2 $ 216,000 $ 108,000 $ 84,000
Davis, Utah 2 $ 575,000 $ 287,500 $ 0
Duchesne, Utah 2 $ 446,000 $ 223,000 $ 47,000
Chesterfield, Virginia 2 $ 393,000 $ 196,500 $ 52,000
Frederick, Virginia 2 $ 402,000 $ 201,000 $ 58,000
Goochland, Virginia 2 $ 472,000 $ 236,000 $ 67,000
Isle of Wight, Virginia 2 $ 462,000 $ 231,000 $ 114,000
Portsmouth, Virginia 2 $ 240,000 $ 120,000 $ 36,000
Stafford, Virginia 2 $ 274,000 $ 137,000 $ 10,000
Berkeley, West Virginia 2 $ 302,000 $ 151,000 $ 194,000
Putnam, West Virginia 2 $ 545,000 $ 272,500 $ 102,000
Summers, West Virginia 2 $ 258,000 $ 129,000 $ 77,000
Tyler, West Virginia 2 $ 542,000 $ 271,000 $ 136,000
Kenosha, Wisconsin 2 $ 265,000 $ 132,500 $ 66,000
Rock, Wisconsin 2 $ 368,000 $ 184,000 $ 68,000
Blount, Alabama 1 $ 126,000 $ 126,000 $ 50,000
Cullman, Alabama 1 $ 124,000 $ 124,000 $ 86,000
Lawrence, Alabama 1 $ 135,000 $ 135,000 $ 56,000
Limestone, Alabama 1 $ 314,000 $ 314,000 $ 126,000
Lowndes, Alabama 1 $ 127,000 $ 127,000 $ 89,000
Madison, Alabama 1 $ 221,000 $ 221,000 $ 0
Marshall, Alabama 1 $ 378,000 $ 378,000 $ 95,000
Shelby, Alabama 1 $ 191,000 $ 191,000 $ 35,000
Washington, Alabama 1 $ 62,000 $ 62,000 $ 48,000
Winston, Alabama 1 $ 76,000 $ 76,000 $ 29,000
Fairbanks North Star, Alaska 1 $ 188,000 $ 188,000 $ 88,000
Matanuska-Susitna, Alaska 1 $ 171,000 $ 171,000 $ 0
Cochise, Arizona 1 $ 160,000 $ 160,000 $ 82,000
Coconino, Arizona 1 $ 331,000 $ 331,000 $ 0
Mohave, Arizona 1 $ 94,000 $ 94,000 $ 105,000
Benton, Arkansas 1 $ 81,000 $ 81,000 $ 37,000
Bradley, Arkansas 1 $ 121,000 $ 121,000 $ 39,000
Craighead, Arkansas 1 $ 93,000 $ 93,000 $ 55,000
Amador, California 1 $ 161,000 $ 161,000 $ 53,000
Fresno, California 1 $ 156,000 $ 156,000 $ 33,000
Kern, California 1 $ 125,000 $ 125,000 $ 56,000
Merced, California 1 $ 136,000 $ 136,000 $ 33,000
Monterey, California 1 $ 234,000 $ 234,000 $ 47,000
Sacramento, California 1 $ 331,000 $ 331,000 $ 69,000
San Diego, California 1 $ 281,000 $ 281,000 $ 162,000
Santa Barbara, California 1 $ 250,000 $ 250,000 $ 133,000
Santa Cruz, California 1 $ 730,000 $ 730,000 $ 97,000
Sierra, California 1 $ 220,000 $ 220,000 $ 60,000
Ventura, California 1 $ 582,000 $ 582,000 $ 128,000
Broomfield, Colorado 1 $ 284,000 $ 284,000 $ 174,000
Clear Creek, Colorado 1 $ 153,000 $ 153,000 $ 23,000
Fremont, Colorado 1 $ 324,000 $ 324,000 $ 97,000
Garfield, Colorado 1 $ 285,000 $ 285,000 $ 35,000
Gunnison, Colorado 1 $ 260,000 $ 260,000 $ 107,000
Park, Colorado 1 $ 240,000 $ 240,000 $ 56,000
Teller, Colorado 1 $ 130,000 $ 130,000 $ 52,000
New London, Connecticut 1 $ 196,000 $ 196,000 $ 52,000
Marion, Florida 1 $ 82,000 $ 82,000 $ 60,000
Martin, Florida 1 $ 272,000 $ 272,000 $ 0
Okaloosa, Florida 1 $ 166,000 $ 166,000 $ 242,000
Palm Beach, Florida 1 $ 141,000 $ 141,000 $ 62,000
Sumter, Florida 1 $ 250,000 $ 250,000 $ 81,000
Barrow, Georgia 1 $ 131,000 $ 131,000 $ 48,000
Camden, Georgia 1 $ 350,000 $ 350,000 $ 166,000
Clinch, Georgia 1 $ 100,000 $ 100,000 $ 51,000
Columbia, Georgia 1 $ 173,000 $ 173,000 $ 113,000
Coweta, Georgia 1 $ 176,000 $ 176,000 $ 52,000
Douglas, Georgia 1 $ 131,000 $ 131,000 $ 18,000
Effingham, Georgia 1 $ 315,000 $ 315,000 $ 173,000
Fannin, Georgia 1 $ 124,000 $ 124,000 $ 25,000
Glynn, Georgia 1 $ 156,000 $ 156,000 $ 45,000
Henry, Georgia 1 $ 216,000 $ 216,000 $ 22,000
Paulding, Georgia 1 $ 75,000 $ 75,000 $ 29,000
Pickens, Georgia 1 $ 189,000 $ 189,000 $ 68,000
Pike, Georgia 1 $ 215,000 $ 215,000 $ 59,000
Putnam, Georgia 1 $ 133,000 $ 133,000 $ 56,000
Rockdale, Georgia 1 $ 92,000 $ 92,000 $ 49,000
Spalding, Georgia 1 $ 211,000 $ 211,000 $ 0
Troup, Georgia 1 $ 174,000 $ 174,000 $ 72,000
Union, Georgia 1 $ 243,000 $ 243,000 $ 41,000
Ware, Georgia 1 $ 167,000 $ 167,000 $ 46,000
White, Georgia 1 $ 226,000 $ 226,000 $ 130,000
Worth, Georgia 1 $ 226,000 $ 226,000 $ 67,000
Ada, Idaho 1 $ 290,000 $ 290,000 $ 92,000
Bannock, Idaho 1 $ 76,000 $ 76,000 $ 34,000
Coles, Illinois 1 $ 164,000 $ 164,000 $ 53,000
DeKalb, Illinois 1 $ 138,000 $ 138,000 $ 58,000
Ford, Illinois 1 $ 103,000 $ 103,000 $ 68,000
Iroquois, Illinois 1 $ 99,000 $ 99,000 $ 63,000
Jackson, Illinois 1 $ 81,000 $ 81,000 $ 58,000
Kendall, Illinois 1 $ 132,000 $ 132,000 $ 49,000
McLean, Illinois 1 $ 164,000 $ 164,000 $ 75,000
Ogle, Illinois 1 $ 141,000 $ 141,000 $ 82,000
Peoria, Illinois 1 $ 132,000 $ 132,000 $ 64,000
Stephenson, Illinois 1 $ 125,000 $ 125,000 $ 64,000
Vermilion, Illinois 1 $ 212,000 $ 212,000 $ 102,000
Clark, Indiana 1 $ 172,000 $ 172,000 $ 57,000
Dubois, Indiana 1 $ 116,000 $ 116,000 $ 43,000
Floyd, Indiana 1 $ 156,000 $ 156,000 $ 84,000
Hamilton, Indiana 1 $ 310,000 $ 310,000 $ 85,000
Jefferson, Indiana 1 $ 216,000 $ 216,000 $ 63,000
Lake, Indiana 1 $ 140,000 $ 140,000 $ 78,000
Lawrence, Indiana 1 $ 102,000 $ 102,000 $ 43,000
Marion, Indiana 1 $ 78,000 $ 78,000 $ 90,000
Parke, Indiana 1 $ 171,000 $ 171,000 $ 96,000
Warrick, Indiana 1 $ 376,000 $ 376,000 $ 296,000
Des Moines, Iowa 1 $ 140,000 $ 140,000 $ 41,000
Muscatine, Iowa 1 $ 138,000 $ 138,000 $ 56,000
Page, Iowa 1 $ 101,000 $ 101,000 $ 71,000
Polk, Iowa 1 $ 107,000 $ 107,000 $ 44,000
Tama, Iowa 1 $ 171,000 $ 171,000 $ 65,000
Douglas, Kansas 1 $ 158,000 $ 158,000 $ 53,000
Johnson, Kansas 1 $ 217,000 $ 217,000 $ 58,000
Leavenworth, Kansas 1 $ 244,000 $ 244,000 $ 0
Reno, Kansas 1 $ 97,000 $ 97,000 $ 38,000
Seward, Kansas 1 $ 96,000 $ 96,000 $ 180,000
Stevens, Kansas 1 $ 171,000 $ 171,000 $ 155,000
Green, Kentucky 1 $ 125,000 $ 125,000 $ 52,000
Caddo, Louisiana 1 $ 192,000 $ 192,000 $ 100,000
East Baton Rouge, Louisiana 1 $ 173,000 $ 173,000 $ 110,000
East Feliciana, Louisiana 1 $ 207,000 $ 207,000 $ 108,000
Grant, Louisiana 1 $ 205,000 $ 205,000 $ 58,000
Lafayette, Louisiana 1 $ 250,000 $ 250,000 $ 198,000
Lafourche, Louisiana 1 $ 169,000 $ 169,000 $ 80,000
Orleans, Louisiana 1 $ 356,000 $ 356,000 $ 133,000
Franklin, Maine 1 $ 145,000 $ 145,000 $ 49,000
York, Maine 1 $ 246,000 $ 246,000 $ 53,000
Cecil, Maryland 1 $ 194,000 $ 194,000 $ 41,000
Frederick, Maryland 1 $ 344,000 $ 344,000 $ 140,000
Harford, Maryland 1 $ 320,000 $ 320,000 $ 126,000
Kent, Maryland 1 $ 237,000 $ 237,000 $ 121,000
Somerset, Maryland 1 $ 130,000 $ 130,000 $ 42,000
St. Mary's, Maryland 1 $ 77,000 $ 77,000 $ 18,000
Barnstable, Massachusetts 1 $ 293,000 $ 293,000 $ 87,000
Berkshire, Massachusetts 1 $ 177,000 $ 177,000 $ 39,000
Suffolk, Massachusetts 1 $ 243,000 $ 243,000 $ 143,000
Allegan, Michigan 1 $ 57,000 $ 57,000 $ 25,000
Grand Traverse, Michigan 1 $ 150,000 $ 150,000 $ 68,000
Ingham, Michigan 1 $ 240,000 $ 240,000 $ 0
Macomb, Michigan 1 $ 210,000 $ 210,000 $ 114,000
Monroe, Michigan 1 $ 103,000 $ 103,000 $ 84,000
Anoka, Minnesota 1 $ 187,000 $ 187,000 $ 76,000
Becker, Minnesota 1 $ 192,000 $ 192,000 $ 60,000
Wright, Minnesota 1 $ 195,000 $ 195,000 $ 71,000
Benton, Mississippi 1 $ 150,000 $ 150,000 $ 20,000
Forrest, Mississippi 1 $ 105,000 $ 105,000 $ 35,000
Jackson, Mississippi 1 $ 173,000 $ 173,000 $ 188,000
Lafayette, Mississippi 1 $ 137,000 $ 137,000 $ 48,000
Madison, Mississippi 1 $ 199,000 $ 199,000 $ 139,000
Pearl River, Mississippi 1 $ 121,000 $ 121,000 $ 70,000
Cape Girardeau, Missouri 1 $ 188,000 $ 188,000 $ 47,000
Jackson, Missouri 1 $ 223,000 $ 223,000 $ 0
Jefferson, Missouri 1 $ 158,000 $ 158,000 $ 116,000
Moniteau, Missouri 1 $ 98,000 $ 98,000 $ 26,000
Newton, Missouri 1 $ 267,000 $ 267,000 $ 135,000
Stoddard, Missouri 1 $ 130,000 $ 130,000 $ 61,000
Custer, Montana 1 $ 166,000 $ 166,000 $ 49,000
Fallon, Montana 1 $ 130,000 $ 130,000 $ 59,000
Hill, Montana 1 $ 102,000 $ 102,000 $ 21,000
Lake, Montana 1 $ 96,000 $ 96,000 $ 53,000
Silver Bow, Montana 1 $ 96,000 $ 96,000 $ 89,000
Sweet Grass, Montana 1 $ 112,000 $ 112,000 $ 75,000
Hall, Nebraska 1 $ 88,000 $ 88,000 $ 87,000
Washoe, Nevada 1 $ 256,000 $ 256,000 $ 0
Cumberland, New Jersey 1 $ 324,000 $ 324,000 $ 130,000
Gloucester, New Jersey 1 $ 175,000 $ 175,000 $ 68,000
Hunterdon, New Jersey 1 $ 257,000 $ 257,000 $ 99,000
Monmouth, New Jersey 1 $ 365,000 $ 365,000 $ 105,000
Salem, New Jersey 1 $ 131,000 $ 131,000 $ 61,000
Somerset, New Jersey 1 $ 555,000 $ 555,000 $ 137,000
Sussex, New Jersey 1 $ 145,000 $ 145,000 $ 48,000
Warren, New Jersey 1 $ 146,000 $ 146,000 $ 98,000
Rio Arriba, New Mexico 1 $ 195,000 $ 195,000 $ 84,000
San Juan, New Mexico 1 $ 146,000 $ 146,000 $ 53,000
Sierra, New Mexico 1 $ 211,000 $ 211,000 $ 95,000
Albany, New York 1 $ 171,000 $ 171,000 $ 96,000
Cattaraugus, New York 1 $ 185,000 $ 185,000 $ 162,000
Cayuga, New York 1 $ 190,000 $ 190,000 $ 107,000
Chemung, New York 1 $ 137,000 $ 137,000 $ 72,000
Delaware, New York 1 $ 250,000 $ 250,000 $ 193,000
Greene, New York 1 $ 211,000 $ 211,000 $ 52,000
New York, New York 1 $ 380,000 $ 380,000 $ 163,000
Niagara, New York 1 $ 101,000 $ 101,000 $ 90,000
Oneida, New York 1 $ 240,000 $ 240,000 $ 133,000
Rensselaer, New York 1 $ 204,000 $ 204,000 $ 68,000
Saratoga, New York 1 $ 193,000 $ 193,000 $ 57,000
Seneca, New York 1 $ 88,000 $ 88,000 $ 33,000
Ulster, New York 1 $ 240,000 $ 240,000 $ 95,000
Wayne, New York 1 $ 148,000 $ 148,000 $ 0
Brunswick, North Carolina 1 $ 118,000 $ 118,000 $ 34,000
Burke, North Carolina 1 $ 240,000 $ 240,000 $ 125,000
Cabarrus, North Carolina 1 $ 77,000 $ 77,000 $ 32,000
Caldwell, North Carolina 1 $ 256,000 $ 256,000 $ 82,000
Carteret, North Carolina 1 $ 243,000 $ 243,000 $ 204,000
Chatham, North Carolina 1 $ 240,000 $ 240,000 $ 66,000
Craven, North Carolina 1 $ 116,000 $ 116,000 $ 40,000
Durham, North Carolina 1 $ 122,000 $ 122,000 $ 47,000
Greene, North Carolina 1 $ 86,000 $ 86,000 $ 37,000
Henderson, North Carolina 1 $ 285,000 $ 285,000 $ 57,000
Johnston, North Carolina 1 $ 128,000 $ 128,000 $ 54,000
Moore, North Carolina 1 $ 40,000 $ 40,000 $ 24,000
Nash, North Carolina 1 $ 132,000 $ 132,000 $ 45,000
New Hanover, North Carolina 1 $ 210,000 $ 210,000 $ 82,000
Pamlico, North Carolina 1 $ 50,000 $ 50,000 $ 36,000
Richmond, North Carolina 1 $ 125,000 $ 125,000 $ 37,000
Rowan, North Carolina 1 $ 207,000 $ 207,000 $ 111,000
Union, North Carolina 1 $ 136,000 $ 136,000 $ 65,000
Wayne, North Carolina 1 $ 130,000 $ 130,000 $ 32,000
Belmont, Ohio 1 $ 103,000 $ 103,000 $ 41,000
Brown, Ohio 1 $ 112,000 $ 112,000 $ 46,000
Butler, Ohio 1 $ 248,000 $ 248,000 $ 85,000
Clinton, Ohio 1 $ 322,000 $ 322,000 $ 164,000
Cuyahoga, Ohio 1 $ 111,000 $ 111,000 $ 0
Holmes, Ohio 1 $ 52,000 $ 52,000 $ 47,000
Lucas, Ohio 1 $ 229,000 $ 229,000 $ 0
Mahoning, Ohio 1 $ 229,000 $ 229,000 $ 213,000
Miami, Ohio 1 $ 89,000 $ 89,000 $ 41,000
Morgan, Ohio 1 $ 252,000 $ 252,000 $ 57,000
Ottawa, Ohio 1 $ 104,000 $ 104,000 $ 19,000
Seneca, Ohio 1 $ 114,000 $ 114,000 $ 85,000
Shelby, Ohio 1 $ 153,000 $ 153,000 $ 49,000
Summit, Ohio 1 $ 119,000 $ 119,000 $ 102,000
Van Wert, Ohio 1 $ 85,000 $ 85,000 $ 44,000
Cherokee, Oklahoma 1 $ 150,000 $ 150,000 $ 127,000
Grady, Oklahoma 1 $ 184,000 $ 184,000 $ 81,000
Pittsburg, Oklahoma 1 $ 54,000 $ 54,000 $ 42,000
Tulsa, Oklahoma 1 $ 302,000 $ 302,000 $ 115,000
Wagoner, Oklahoma 1 $ 129,000 $ 129,000 $ 75,000
Coos, Oregon 1 $ 309,000 $ 309,000 $ 106,000
Multnomah, Oregon 1 $ 364,000 $ 364,000 $ 0
Umatilla, Oregon 1 $ 163,000 $ 163,000 $ 43,000
Armstrong, Pennsylvania 1 $ 155,000 $ 155,000 $ 54,000
Blair, Pennsylvania 1 $ 146,000 $ 146,000 $ 43,000
Cambria, Pennsylvania 1 $ 69,000 $ 69,000 $ 27,000
Centre, Pennsylvania 1 $ 80,000 $ 80,000 $ 39,000
Clearfield, Pennsylvania 1 $ 77,000 $ 77,000 $ 40,000
Clinton, Pennsylvania 1 $ 128,000 $ 128,000 $ 75,000
Columbia, Pennsylvania 1 $ 152,000 $ 152,000 $ 54,000
Lehigh, Pennsylvania 1 $ 206,000 $ 206,000 $ 44,000
Northampton, Pennsylvania 1 $ 317,000 $ 317,000 $ 95,000
Perry, Pennsylvania 1 $ 157,000 $ 157,000 $ 57,000
Schuylkill, Pennsylvania 1 $ 107,000 $ 107,000 $ 139,000
Somerset, Pennsylvania 1 $ 224,000 $ 224,000 $ 176,000
Susquehanna, Pennsylvania 1 $ 101,000 $ 101,000 $ 33,000
Kent, Rhode Island 1 $ 180,000 $ 180,000 $ 48,000
Berkeley, South Carolina 1 $ 205,000 $ 205,000 $ 76,000
Dorchester, South Carolina 1 $ 69,000 $ 69,000 $ 36,000
Laurens, South Carolina 1 $ 73,000 $ 73,000 $ 17,000
Lexington, South Carolina 1 $ 156,000 $ 156,000 $ 76,000
Newberry, South Carolina 1 $ 349,000 $ 349,000 $ 74,000
Spartanburg, South Carolina 1 $ 128,000 $ 128,000 $ 92,000
Minnehaha, South Dakota 1 $ 104,000 $ 104,000 $ 31,000
Tripp, South Dakota 1 $ 123,000 $ 123,000 $ 76,000
Blount, Tennessee 1 $ 70,000 $ 70,000 $ 339,000
Bradley, Tennessee 1 $ 146,000 $ 146,000 $ 88,000
Cumberland, Tennessee 1 $ 111,000 $ 111,000 $ 43,000
Fentress, Tennessee 1 $ 127,000 $ 127,000 $ 52,000
Hamblen, Tennessee 1 $ 190,000 $ 190,000 $ 43,000
Hawkins, Tennessee 1 $ 96,000 $ 96,000 $ 40,000
Maury, Tennessee 1 $ 74,000 $ 74,000 $ 47,000
McMinn, Tennessee 1 $ 55,000 $ 55,000 $ 58,000
Montgomery, Tennessee 1 $ 230,000 $ 230,000 $ 74,000
Moore, Tennessee 1 $ 204,000 $ 204,000 $ 137,000
Rhea, Tennessee 1 $ 110,000 $ 110,000 $ 31,000
Robertson, Tennessee 1 $ 116,000 $ 116,000 $ 31,000
Rutherford, Tennessee 1 $ 274,000 $ 274,000 $ 160,000
Sumner, Tennessee 1 $ 298,000 $ 298,000 $ 75,000
Unicoi, Tennessee 1 $ 227,000 $ 227,000 $ 49,000
Union, Tennessee 1 $ 65,000 $ 65,000 $ 43,000
Washington, Tennessee 1 $ 122,000 $ 122,000 $ 36,000
Blanco, Texas 1 $ 136,000 $ 136,000 $ 51,000
Burleson, Texas 1 $ 113,000 $ 113,000 $ 44,000
Chambers, Texas 1 $ 152,000 $ 152,000 $ 66,000
El Paso, Texas 1 $ 117,000 $ 117,000 $ 36,000
Ellis, Texas 1 $ 298,000 $ 298,000 $ 591,000
Gregg, Texas 1 $ 212,000 $ 212,000 $ 90,000
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Mortgage Loan Application Detail Totals for Proficio Bank in 2011

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 964 $173,364,000 $179,000 $731,000 $79,000 $591,000
Refinancing 679 $148,565,000 $218,000 $910,000 $84,000 $718,000
Home Improvement 23 $4,072,000 $177,000 $337,000 $88,000 $226,000

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
White 1,155 $226,522,000 $196,000 $910,000 $87,000 $718,000
Black or African American 185 $33,039,000 $178,000 $449,000 $68,000 $211,000
Hispanic 145 $24,357,000 $167,000 $539,000 $61,000 $236,000
Not Provided 93 $21,309,000 $229,000 $731,000 $70,000 $500,000
Asian 82 $18,812,000 $229,000 $720,000 $73,000 $366,000
American Indian or Alaskan Native 3 $797,000 $265,000 $397,000 $109,000 $170,000
Native Hawaiian or Other Pacific Islander 3 $1,165,000 $388,000 $556,000 $282,000 $654,000
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) 805 $154,221,000 $191,000 $769,000 $67,000 $718,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 683 $142,133,000 $208,000 $910,000 $103,000 $654,000
VA-guaranteed (Veterans Administration) 97 $18,355,000 $189,000 $512,000 $70,000 $238,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $11,292,000 $139,000 $332,000 $48,000 $111,000

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 1,168 $225,057,000 $192,000 $769,000 $81,000 $718,000
Application Denied By Financial Institution 254 $51,316,000 $202,000 $910,000 $70,000 $500,000
Application Approved But Not Accepted 101 $19,626,000 $194,000 $568,000 $89,000 $332,000
File Closed For Incompleteness 92 $19,024,000 $206,000 $720,000 $94,000 $625,000
Application Withdrawn By Applicant 51 $10,978,000 $215,000 $700,000 $98,000 $350,000
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
Debt-To-Income Ratio 79 $17,407,000 $220,000 $910,000 $65,000 $275,000
Other 73 $15,999,000 $219,000 $532,000 $90,000 $500,000
Credit History 38 $6,406,000 $168,000 $459,000 $52,000 $151,000
Collateral 29 $4,623,000 $159,000 $407,000 $58,000 $188,000
Unverifiable Information 17 $3,639,000 $214,000 $417,000 $79,000 $188,000
Employment History 11 $2,054,000 $186,000 $413,000 $56,000 $211,000
Insufficient Cash (Downpayment, Closing Cost) 4 $776,000 $194,000 $282,000 $87,000 $152,000
Credit Application Incomplete 2 $277,000 $138,000 $205,000 $66,000 $113,000
Mortgage Insurance Denied 1 $135,000 $135,000 $135,000 $36,000 $36,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2011 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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