Proficio Bank Mortgage Lending & HMDA Data, 2013

In 2013, Proficio Bank of Cottonwood Heights, UT reported 17,564 mortgage applications totaling $3.6 billion, up 70% from 2012. The average application was for $203,356, and applicants reported an average income of $59,652. 35% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (485), Atlanta-Sandy Springs-Marietta, GA (478) and Chicago-Joliet-Naperville, IL (446) (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 17,564
Total Mortgage Loan Application Amount $3,571,751,000
Average Mortgage Loan Application Amount $203,356
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $59,652
Highest Applicant Income $2,055,000

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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 365 $ 109,667,000 $ 300,457 $ 62,000
Cook, Illinois 291 $ 54,917,000 $ 188,718 $ 67,000
Cuyahoga, Ohio 262 $ 36,255,000 $ 138,377 $ 68,000
Clark, Nevada 235 $ 47,933,000 $ 203,970 $ 54,000
Franklin, Ohio 223 $ 32,465,000 $ 145,582 $ 61,000
Maricopa, Arizona 183 $ 39,012,000 $ 213,180 $ 60,000
Harris, Texas 165 $ 27,503,000 $ 166,684 $ 63,000
Riverside, California 162 $ 38,446,000 $ 237,320 $ 71,000
Broward, Florida 155 $ 33,898,000 $ 218,696 $ 71,000
Prince George's, Maryland 138 $ 34,925,000 $ 253,079 $ 79,000
San Bernardino, California 134 $ 31,555,000 $ 235,485 $ 64,000
Palm Beach, Florida 133 $ 31,995,000 $ 240,563 $ 87,000
Suffolk, New York 120 $ 34,122,000 $ 284,350 $ 77,000
San Diego, California 109 $ 32,648,000 $ 299,522 $ 67,000
Hillsborough, Florida 109 $ 22,152,000 $ 203,229 $ 94,000
Orange, Florida 107 $ 23,028,000 $ 215,214 $ 83,000
Orange, California 103 $ 36,318,000 $ 352,601 $ 69,000
Hennepin, Minnesota 101 $ 19,361,000 $ 191,693 $ 62,000
Montgomery, Texas 95 $ 19,188,000 $ 201,978 $ 102,000
Oakland, Michigan 94 $ 17,548,000 $ 186,680 $ 70,000
Hartford, Connecticut 88 $ 16,496,000 $ 187,454 $ 55,000
King, Washington 86 $ 23,590,000 $ 274,302 $ 66,000
Pinellas, Florida 85 $ 16,456,000 $ 193,600 $ 62,000
Prince William, Virginia 85 $ 24,561,000 $ 288,952 $ 92,000
Dallas, Texas 82 $ 11,635,000 $ 141,890 $ 56,000
Fairfax, Virginia 82 $ 27,974,000 $ 341,146 $ 95,000
Duval, Florida 79 $ 14,018,000 $ 177,443 $ 56,000
Mecklenburg, North Carolina 79 $ 14,860,000 $ 188,101 $ 62,000
Salt Lake, Utah 76 $ 15,892,000 $ 209,105 $ 29,000
Pierce, Washington 76 $ 18,541,000 $ 243,960 $ 66,000
Sacramento, California 75 $ 17,109,000 $ 228,120 $ 63,000
Collin, Texas 74 $ 14,569,000 $ 196,878 $ 78,000
Tarrant, Texas 74 $ 11,754,000 $ 158,837 $ 46,000
Philadelphia, Pennsylvania 73 $ 11,269,000 $ 154,369 $ 40,000
Anne Arundel, Maryland 72 $ 22,056,000 $ 306,333 $ 81,000
Wake, North Carolina 72 $ 14,657,000 $ 203,569 $ 69,000
Lee, Florida 71 $ 14,592,000 $ 205,521 $ 96,000
Cobb, Georgia 71 $ 15,235,000 $ 214,577 $ 77,000
Gwinnett, Georgia 71 $ 12,232,000 $ 172,281 $ 57,000
Wayne, Michigan 70 $ 10,649,000 $ 152,128 $ 63,000
Montgomery, Maryland 69 $ 21,579,000 $ 312,739 $ 92,000
Queens, New York 69 $ 23,079,000 $ 334,478 $ 53,000
Fulton, Georgia 68 $ 12,858,000 $ 189,088 $ 68,000
Nassau, New York 67 $ 22,106,000 $ 329,940 $ 109,000
Adams, Colorado 63 $ 12,578,000 $ 199,650 $ 60,000
El Paso, Colorado 62 $ 13,187,000 $ 212,693 $ 43,000
Miami-Dade, Florida 62 $ 11,768,000 $ 189,806 $ 53,000
Summit, Ohio 62 $ 10,254,000 $ 165,387 $ 55,000
Middlesex, Massachusetts 61 $ 18,255,000 $ 299,262 $ 83,000
New Haven, Connecticut 60 $ 13,496,000 $ 224,933 $ 56,000
New Castle, Delaware 59 $ 12,628,000 $ 214,033 $ 39,000
Westchester, New York 59 $ 21,753,000 $ 368,694 $ 82,000
Lake, Ohio 59 $ 8,568,000 $ 145,220 $ 44,000
Milwaukee, Wisconsin 59 $ 10,512,000 $ 178,169 $ 67,000
Kings, New York 57 $ 20,917,000 $ 366,964 $ 55,000
Jefferson, Colorado 56 $ 12,433,000 $ 222,017 $ 60,000
St. Louis, Missouri 56 $ 9,053,000 $ 161,660 $ 55,000
Brevard, Florida 55 $ 8,231,000 $ 149,654 $ 47,000
Baltimore, Maryland 54 $ 13,316,000 $ 246,592 $ 69,000
Bexar, Texas 54 $ 8,909,000 $ 164,981 $ 26,000
Arapahoe, Colorado 53 $ 10,972,000 $ 207,018 $ 84,000
Polk, Florida 53 $ 9,077,000 $ 171,264 $ 67,000
Virginia Beach, Virginia 52 $ 12,198,000 $ 234,576 $ 63,000
Denver, Colorado 50 $ 10,250,000 $ 205,000 $ 66,000
Lake, Florida 50 $ 10,314,000 $ 206,280 $ 100,000
Middlesex, New Jersey 50 $ 11,785,000 $ 235,700 $ 61,000
Denton, Texas 50 $ 9,108,000 $ 182,160 $ 75,000
Dakota, Minnesota 49 $ 11,256,000 $ 229,714 $ 74,000
Shelby, Tennessee 49 $ 8,245,000 $ 168,265 $ 51,000
Orange, New York 48 $ 10,873,000 $ 226,520 $ 75,000
Lorain, Ohio 48 $ 7,020,000 $ 146,250 $ 67,000
Bucks, Pennsylvania 48 $ 11,137,000 $ 232,020 $ 64,000
Snohomish, Washington 48 $ 13,040,000 $ 271,666 $ 60,000
Worcester, Massachusetts 47 $ 10,119,000 $ 215,297 $ 50,000
Delaware, Ohio 47 $ 10,642,000 $ 226,425 $ 71,000
Montgomery, Pennsylvania 47 $ 10,039,000 $ 213,595 $ 88,000
Sarasota, Florida 46 $ 10,294,000 $ 223,782 $ 67,000
DeKalb, Georgia 46 $ 8,035,000 $ 174,673 $ 68,000
DuPage, Illinois 46 $ 8,821,000 $ 191,760 $ 65,000
Anoka, Minnesota 46 $ 9,320,000 $ 202,608 $ 59,000
Will, Illinois 45 $ 9,265,000 $ 205,888 $ 85,000
Essex, Massachusetts 45 $ 11,203,000 $ 248,955 $ 57,000
Macomb, Michigan 45 $ 7,849,000 $ 174,422 $ 63,000
Washoe, Nevada 45 $ 10,396,000 $ 231,022 $ 47,000
Bernalillo, New Mexico 45 $ 8,358,000 $ 185,733 $ 39,000
Bergen, New Jersey 44 $ 13,295,000 $ 302,159 $ 81,000
Multnomah, Oregon 44 $ 10,364,000 $ 235,545 $ 58,000
Davidson, Tennessee 44 $ 8,683,000 $ 197,340 $ 62,000
Collier, Florida 43 $ 9,432,000 $ 219,348 $ 78,000
Volusia, Florida 43 $ 6,799,000 $ 158,116 $ 53,000
Essex, New Jersey 43 $ 12,637,000 $ 293,883 $ 68,000
Pima, Arizona 42 $ 7,539,000 $ 179,500 $ 34,000
Ramsey, Minnesota 42 $ 7,982,000 $ 190,047 $ 70,000
Jefferson, Alabama 41 $ 6,374,000 $ 155,463 $ 36,000
Marion, Florida 40 $ 6,757,000 $ 168,925 $ 47,000
Pasco, Florida 40 $ 6,820,000 $ 170,500 $ 55,000
Seminole, Florida 40 $ 8,094,000 $ 202,350 $ 63,000
Medina, Ohio 40 $ 6,415,000 $ 160,375 $ 64,000
Contra Costa, California 39 $ 11,852,000 $ 303,897 $ 60,000
Fairfield, Connecticut 39 $ 10,588,000 $ 271,487 $ 82,000
Ada, Idaho 39 $ 7,636,000 $ 195,794 $ 71,000
Bristol, Massachusetts 39 $ 8,478,000 $ 217,384 $ 53,000
Sevier, Tennessee 39 $ 5,927,000 $ 151,974 $ 71,000
Loudoun, Virginia 39 $ 14,276,000 $ 366,051 $ 93,000
St. Lucie, Florida 38 $ 5,766,000 $ 151,736 $ 48,000
Horry, South Carolina 38 $ 7,156,000 $ 188,315 $ 79,000
Delaware, Pennsylvania 37 $ 7,264,000 $ 196,324 $ 46,000
Anchorage, Alaska 36 $ 8,973,000 $ 249,250 $ 42,000
Kern, California 36 $ 7,127,000 $ 197,972 $ 88,000
Weld, Colorado 36 $ 7,522,000 $ 208,944 $ 73,000
Jefferson, Kentucky 36 $ 7,119,000 $ 197,750 $ 54,000
Baltimore City, Maryland 36 $ 6,022,000 $ 167,277 $ 64,000
Washington, Oregon 36 $ 8,183,000 $ 227,305 $ 64,000
Chesterfield, Virginia 36 $ 7,289,000 $ 202,472 $ 60,000
Santa Clara, California 35 $ 12,941,000 $ 369,742 $ 68,000
Douglas, Colorado 35 $ 9,498,000 $ 271,371 $ 82,000
Johnson, Kansas 35 $ 6,920,000 $ 197,714 $ 59,000
Bronx, New York 35 $ 12,073,000 $ 344,942 $ 46,000
Fairfield, Ohio 34 $ 6,624,000 $ 194,823 $ 79,000
Chester, Pennsylvania 34 $ 8,226,000 $ 241,941 $ 56,000
Fort Bend, Texas 34 $ 6,934,000 $ 203,941 $ 94,000
Utah, Utah 34 $ 7,637,000 $ 224,617 $ 56,000
Waukesha, Wisconsin 34 $ 7,387,000 $ 217,264 $ 73,000
Fresno, California 33 $ 6,264,000 $ 189,818 $ 54,000
Okaloosa, Florida 33 $ 7,064,000 $ 214,060 $ 76,000
Lake, Illinois 33 $ 6,919,000 $ 209,666 $ 93,000
Plymouth, Massachusetts 33 $ 7,942,000 $ 240,666 $ 68,000
Camden, New Jersey 33 $ 5,048,000 $ 152,969 $ 51,000
Alameda, California 32 $ 9,660,000 $ 301,875 $ 71,000
Marion, Indiana 32 $ 3,839,000 $ 119,968 $ 67,000
Washington, Minnesota 32 $ 6,903,000 $ 215,718 $ 68,000
Jackson, Missouri 32 $ 4,606,000 $ 143,937 $ 43,000
Allegheny, Pennsylvania 32 $ 4,877,000 $ 152,406 $ 51,000
Richland, South Carolina 32 $ 5,324,000 $ 166,375 $ 44,000
Knox, Tennessee 32 $ 5,373,000 $ 167,906 $ 43,000
Sussex, Delaware 31 $ 7,233,000 $ 233,322 $ 57,000
Frederick, Maryland 31 $ 8,790,000 $ 283,548 $ 89,000
Rockingham, New Hampshire 31 $ 6,930,000 $ 223,548 $ 51,000
Travis, Texas 31 $ 5,551,000 $ 179,064 $ 40,000
Thurston, Washington 31 $ 7,399,000 $ 238,677 $ 62,000
Ventura, California 30 $ 10,013,000 $ 333,766 $ 68,000
Atlantic, New Jersey 30 $ 6,355,000 $ 211,833 $ 54,000
Dutchess, New York 30 $ 6,812,000 $ 227,066 $ 51,000
Oklahoma, Oklahoma 30 $ 4,945,000 $ 164,833 $ 59,000
Cherokee, Georgia 29 $ 5,316,000 $ 183,310 $ 59,000
Burlington, New Jersey 29 $ 6,079,000 $ 209,620 $ 61,000
Monmouth, New Jersey 29 $ 8,579,000 $ 295,827 $ 73,000
Richmond, New York 29 $ 9,273,000 $ 319,758 $ 79,000
Rockland, New York 29 $ 8,540,000 $ 294,482 $ 95,000
York, Pennsylvania 29 $ 6,508,000 $ 224,413 $ 68,000
Charleston, South Carolina 29 $ 6,529,000 $ 225,137 $ 56,000
Osceola, Florida 28 $ 4,551,000 $ 162,535 $ 54,000
Forsyth, Georgia 28 $ 6,320,000 $ 225,714 $ 82,000
Cumberland, North Carolina 28 $ 4,446,000 $ 158,785 $ 48,000
Licking, Ohio 28 $ 4,378,000 $ 156,357 $ 59,000
Tulsa, Oklahoma 28 $ 5,123,000 $ 182,964 $ 57,000
Greenville, South Carolina 28 $ 4,659,000 $ 166,392 $ 50,000
Ocean, New Jersey 27 $ 7,077,000 $ 262,111 $ 61,000
Hamilton, Ohio 27 $ 4,446,000 $ 164,666 $ 65,000
Lucas, Ohio 27 $ 3,591,000 $ 133,000 $ 45,000
Berks, Pennsylvania 27 $ 4,328,000 $ 160,296 $ 55,000
Franklin, Pennsylvania 27 $ 5,477,000 $ 202,851 $ 72,000
Clark, Washington 27 $ 5,633,000 $ 208,629 $ 43,000
San Joaquin, California 26 $ 5,623,000 $ 216,269 $ 53,000
Henry, Georgia 26 $ 4,528,000 $ 174,153 $ 55,000
Charles, Maryland 26 $ 6,194,000 $ 238,230 $ 89,000
St. Charles, Missouri 26 $ 5,423,000 $ 208,576 $ 56,000
Hillsborough, New Hampshire 26 $ 5,073,000 $ 195,115 $ 35,000
Lane, Oregon 26 $ 6,343,000 $ 243,961 $ 50,000
Lancaster, Pennsylvania 26 $ 5,260,000 $ 202,307 $ 53,000
York, South Carolina 26 $ 4,611,000 $ 177,346 $ 34,000
Chesapeake, Virginia 26 $ 6,196,000 $ 238,307 $ 57,000
Larimer, Colorado 25 $ 5,522,000 $ 220,880 $ 61,000
Manatee, Florida 25 $ 5,058,000 $ 202,320 $ 76,000
Norfolk, Massachusetts 25 $ 6,791,000 $ 271,640 $ 59,000
Suffolk, Massachusetts 25 $ 6,893,000 $ 275,720 $ 61,000
Gloucester, New Jersey 25 $ 4,270,000 $ 170,800 $ 34,000
Mercer, New Jersey 25 $ 6,255,000 $ 250,200 $ 82,000
Union, New Jersey 25 $ 6,366,000 $ 254,640 $ 66,000
Henrico, Virginia 25 $ 4,866,000 $ 194,640 $ 55,000
Spokane, Washington 25 $ 5,173,000 $ 206,920 $ 59,000
Kane, Illinois 24 $ 4,389,000 $ 182,875 $ 69,000
Passaic, New Jersey 24 $ 5,905,000 $ 246,041 $ 77,000
Ashtabula, Ohio 24 $ 2,706,000 $ 112,750 $ 59,000
Geauga, Ohio 24 $ 4,345,000 $ 181,041 $ 72,000
District of Columbia, District Of Columbia 23 $ 5,993,000 $ 260,565 $ 65,000
Alachua, Florida 23 $ 4,077,000 $ 177,260 $ 60,000
Coweta, Georgia 23 $ 4,417,000 $ 192,043 $ 61,000
McHenry, Illinois 23 $ 4,342,000 $ 188,782 $ 74,000
Calcasieu, Louisiana 23 $ 3,990,000 $ 173,478 $ 55,000
Saratoga, New York 23 $ 4,872,000 $ 211,826 $ 46,000
Butler, Ohio 23 $ 4,625,000 $ 201,086 $ 55,000
Rutherford, Tennessee 23 $ 3,503,000 $ 152,304 $ 52,000
Kitsap, Washington 23 $ 5,026,000 $ 218,521 $ 52,000
Mobile, Alabama 22 $ 3,213,000 $ 146,045 $ 28,000
Mohave, Arizona 22 $ 3,182,000 $ 144,636 $ 31,000
Pulaski, Arkansas 22 $ 3,262,000 $ 148,272 $ 26,000
Howard, Maryland 22 $ 6,942,000 $ 315,545 $ 96,000
Weber, Utah 22 $ 4,892,000 $ 222,363 $ 40,000
Stanislaus, California 21 $ 4,320,000 $ 205,714 $ 55,000
Leon, Florida 21 $ 5,240,000 $ 249,523 $ 108,000
Jefferson, Louisiana 21 $ 3,908,000 $ 186,095 $ 69,000
St. Tammany, Louisiana 21 $ 3,939,000 $ 187,571 $ 60,000
Buncombe, North Carolina 21 $ 4,107,000 $ 195,571 $ 68,000
New Hanover, North Carolina 21 $ 4,073,000 $ 193,952 $ 76,000
Stark, Ohio 21 $ 3,037,000 $ 144,619 $ 62,000
Marion, Oregon 21 $ 3,889,000 $ 185,190 $ 33,000
Davis, Utah 21 $ 4,216,000 $ 200,761 $ 32,000
Norfolk, Virginia 21 $ 3,774,000 $ 179,714 $ 31,000
Escambia, Florida 20 $ 3,048,000 $ 152,400 $ 31,000
Chatham, Georgia 20 $ 3,320,000 $ 166,000 $ 44,000
Harford, Maryland 20 $ 5,008,000 $ 250,400 $ 58,000
Genesee, Michigan 20 $ 2,785,000 $ 139,250 $ 46,000
Hudson, New Jersey 20 $ 5,534,000 $ 276,700 $ 84,000
Guilford, North Carolina 20 $ 3,174,000 $ 158,700 $ 39,000
Racine, Wisconsin 20 $ 3,117,000 $ 155,850 $ 55,000
Baldwin, Alabama 19 $ 3,585,000 $ 188,684 $ 48,000
Solano, California 19 $ 5,165,000 $ 271,842 $ 71,000
Washtenaw, Michigan 19 $ 3,841,000 $ 202,157 $ 67,000
Clay, Missouri 19 $ 3,540,000 $ 186,315 $ 41,000
St. Louis City, Missouri 19 $ 3,218,000 $ 169,368 $ 49,000
Erie, New York 19 $ 3,101,000 $ 163,210 $ 28,000
Monroe, New York 19 $ 2,712,000 $ 142,736 $ 47,000
Durham, North Carolina 19 $ 3,876,000 $ 204,000 $ 48,000
Monroe, Pennsylvania 19 $ 3,282,000 $ 172,736 $ 51,000
Providence, Rhode Island 19 $ 4,239,000 $ 223,105 $ 31,000
Berkeley, South Carolina 19 $ 3,685,000 $ 193,947 $ 51,000
Pinal, Arizona 18 $ 2,822,000 $ 156,777 $ 34,000
Middlesex, Connecticut 18 $ 3,715,000 $ 206,388 $ 81,000
Windham, Connecticut 18 $ 3,284,000 $ 182,444 $ 37,000
Clay, Florida 18 $ 3,436,000 $ 190,888 $ 51,000
Kootenai, Idaho 18 $ 3,599,000 $ 199,944 $ 45,000
Hamilton, Indiana 18 $ 4,332,000 $ 240,666 $ 64,000
Douglas, Nebraska 18 $ 2,769,000 $ 153,833 $ 39,000
Onslow, North Carolina 18 $ 3,355,000 $ 186,388 $ 56,000
Clackamas, Oregon 18 $ 4,117,000 $ 228,722 $ 55,000
Lehigh, Pennsylvania 18 $ 3,591,000 $ 199,500 $ 60,000
Northampton, Pennsylvania 18 $ 3,774,000 $ 209,666 $ 52,000
Galveston, Texas 18 $ 2,647,000 $ 147,055 $ 36,000
Berkeley, West Virginia 18 $ 3,439,000 $ 191,055 $ 66,000
Shelby, Alabama 17 $ 3,112,000 $ 183,058 $ 66,000
Yuma, Arizona 17 $ 2,395,000 $ 140,882 $ 66,000
Tolland, Connecticut 17 $ 4,214,000 $ 247,882 $ 89,000
Hernando, Florida 17 $ 3,237,000 $ 190,411 $ 65,000
Santa Rosa, Florida 17 $ 3,305,000 $ 194,411 $ 60,000
St. Johns, Florida 17 $ 3,676,000 $ 216,235 $ 97,000
Lake, Indiana 17 $ 3,059,000 $ 179,941 $ 40,000
Henderson, North Carolina 17 $ 3,135,000 $ 184,411 $ 50,000
Union, North Carolina 17 $ 4,426,000 $ 260,352 $ 59,000
Hidalgo, Texas 17 $ 2,000,000 $ 117,647 $ 28,000
Madison, Alabama 16 $ 2,895,000 $ 180,937 $ 65,000
Monterey, California 16 $ 4,491,000 $ 280,687 $ 47,000
Shasta, California 16 $ 3,584,000 $ 224,000 $ 53,000
Sonoma, California 16 $ 4,725,000 $ 295,312 $ 81,000
Mesa, Colorado 16 $ 3,398,000 $ 212,375 $ 66,000
Martin, Florida 16 $ 3,177,000 $ 198,562 $ 55,000
Polk, Iowa 16 $ 2,936,000 $ 183,500 $ 58,000
East Baton Rouge, Louisiana 16 $ 2,347,000 $ 146,687 $ 32,000
DeSoto, Mississippi 16 $ 2,520,000 $ 157,500 $ 58,000
Morris, New Jersey 16 $ 5,291,000 $ 330,687 $ 85,000
Cabarrus, North Carolina 16 $ 3,077,000 $ 192,312 $ 85,000
Portage, Ohio 16 $ 2,530,000 $ 158,125 $ 50,000
Trumbull, Ohio 16 $ 2,433,000 $ 152,062 $ 68,000
Williamson, Texas 16 $ 2,945,000 $ 184,062 $ 55,000
Washington, Utah 16 $ 3,365,000 $ 210,312 $ 37,000
Hampton, Virginia 16 $ 3,158,000 $ 197,375 $ 51,000
Stafford, Virginia 16 $ 4,332,000 $ 270,750 $ 81,000
Yavapai, Arizona 15 $ 2,875,000 $ 191,666 $ 57,000
San Luis Obispo, California 15 $ 4,673,000 $ 311,533 $ 73,000
Tulare, California 15 $ 2,879,000 $ 191,933 $ 54,000
Boulder, Colorado 15 $ 3,854,000 $ 256,933 $ 66,000
Clayton, Georgia 15 $ 2,260,000 $ 150,666 $ 41,000
Fayette, Georgia 15 $ 3,047,000 $ 203,133 $ 71,000
Canyon, Idaho 15 $ 2,987,000 $ 199,133 $ 51,000
Twin Falls, Idaho 15 $ 1,944,000 $ 129,600 $ 25,000
Sedgwick, Kansas 15 $ 2,063,000 $ 137,533 $ 41,000
Scott, Minnesota 15 $ 3,527,000 $ 235,133 $ 64,000
Hinds, Mississippi 15 $ 2,978,000 $ 198,533 $ 37,000
Sandoval, New Mexico 15 $ 3,260,000 $ 217,333 $ 34,000
Forsyth, North Carolina 15 $ 2,523,000 $ 168,200 $ 52,000
Warren, Ohio 15 $ 2,627,000 $ 175,133 $ 45,000
Polk, Oregon 15 $ 2,624,000 $ 174,933 $ 28,000
Luzerne, Pennsylvania 15 $ 2,088,000 $ 139,200 $ 40,000
Beaufort, South Carolina 15 $ 3,502,000 $ 233,466 $ 52,000
Dorchester, South Carolina 15 $ 2,509,000 $ 167,266 $ 40,000
Spotsylvania, Virginia 15 $ 3,639,000 $ 242,600 $ 93,000
Whatcom, Washington 15 $ 3,351,000 $ 223,400 $ 41,000
Dane, Wisconsin 15 $ 2,659,000 $ 177,266 $ 56,000
Cochise, Arizona 14 $ 2,173,000 $ 155,214 $ 39,000
Saline, Arkansas 14 $ 2,447,000 $ 174,785 $ 56,000
Placer, California 14 $ 4,551,000 $ 325,071 $ 92,000
Litchfield, Connecticut 14 $ 2,771,000 $ 197,928 $ 42,000
Charlotte, Florida 14 $ 2,095,000 $ 149,642 $ 57,000
Columbia, Georgia 14 $ 2,555,000 $ 182,500 $ 40,000
Orleans, Louisiana 14 $ 2,342,000 $ 167,285 $ 39,000
Chisago, Minnesota 14 $ 2,731,000 $ 195,071 $ 71,000
Wright, Minnesota 14 $ 3,152,000 $ 225,142 $ 59,000
Harrison, Mississippi 14 $ 1,912,000 $ 136,571 $ 46,000
Somerset, New Jersey 14 $ 4,061,000 $ 290,071 $ 75,000
Sussex, New Jersey 14 $ 3,941,000 $ 281,500 $ 55,000
Putnam, New York 14 $ 4,209,000 $ 300,642 $ 75,000
Gaston, North Carolina 14 $ 1,454,000 $ 103,857 $ 20,000
Westmoreland, Pennsylvania 14 $ 1,945,000 $ 138,928 $ 27,000
Aiken, South Carolina 14 $ 2,834,000 $ 202,428 $ 30,000
Spartanburg, South Carolina 14 $ 1,680,000 $ 120,000 $ 32,000
Hamilton, Tennessee 14 $ 2,814,000 $ 201,000 $ 51,000
El Paso, Texas 14 $ 1,688,000 $ 120,571 $ 18,000
Ellis, Texas 14 $ 2,228,000 $ 159,142 $ 44,000
Montgomery, Alabama 13 $ 1,900,000 $ 146,153 $ 58,000
Washington, Arkansas 13 $ 1,938,000 $ 149,076 $ 65,000
Santa Barbara, California 13 $ 3,943,000 $ 303,307 $ 18,000
New London, Connecticut 13 $ 3,143,000 $ 241,769 $ 64,000
Richmond, Georgia 13 $ 2,065,000 $ 158,846 $ 39,000
Bonner, Idaho 13 $ 2,533,000 $ 194,846 $ 47,000
Carroll, Maryland 13 $ 3,887,000 $ 299,000 $ 112,000
Carver, Minnesota 13 $ 3,055,000 $ 235,000 $ 46,000
Missoula, Montana 13 $ 2,568,000 $ 197,538 $ 48,000
Johnston, North Carolina 13 $ 2,347,000 $ 180,538 $ 23,000
Cumberland, Pennsylvania 13 $ 2,261,000 $ 173,923 $ 199,000
Wilson, Tennessee 13 $ 2,479,000 $ 190,692 $ 35,000
Brazoria, Texas 13 $ 2,452,000 $ 188,615 $ 100,000
Newport News, Virginia 13 $ 2,532,000 $ 194,769 $ 51,000
Sweetwater, Wyoming 13 $ 2,890,000 $ 222,307 $ 64,000
Garland, Arkansas 12 $ 1,632,000 $ 136,000 $ 28,000
San Francisco, California 12 $ 4,969,000 $ 414,083 $ 59,000
San Mateo, California 12 $ 4,471,000 $ 372,583 $ 68,000
Pueblo, Colorado 12 $ 1,904,000 $ 158,666 $ 42,000
Kent, Delaware 12 $ 2,022,000 $ 168,500 $ 46,000
Bay, Florida 12 $ 2,360,000 $ 196,666 $ 67,000
Indian River, Florida 12 $ 1,840,000 $ 153,333 $ 75,000
Sumter, Florida 12 $ 2,391,000 $ 199,250 $ 44,000
Paulding, Georgia 12 $ 2,141,000 $ 178,416 $ 49,000
Porter, Indiana 12 $ 2,067,000 $ 172,250 $ 28,000
Livingston, Louisiana 12 $ 2,020,000 $ 168,333 $ 40,000
St. Louis, Minnesota 12 $ 2,034,000 $ 169,500 $ 41,000
Madison, Mississippi 12 $ 2,611,000 $ 217,583 $ 44,000
Greene, Missouri 12 $ 2,296,000 $ 191,333 $ 71,000
Dona Ana, New Mexico 12 $ 2,013,000 $ 167,750 $ 40,000
Albany, New York 12 $ 2,702,000 $ 225,166 $ 61,000
Davidson, North Carolina 12 $ 1,921,000 $ 160,083 $ 33,000
Clermont, Ohio 12 $ 2,562,000 $ 213,500 $ 26,000
Deschutes, Oregon 12 $ 2,227,000 $ 185,583 $ 42,000
Lackawanna, Pennsylvania 12 $ 2,189,000 $ 182,416 $ 52,000
Albemarle, Virginia 12 $ 2,889,000 $ 240,750 $ 40,000
Frederick, Virginia 12 $ 2,754,000 $ 229,500 $ 68,000
Yakima, Washington 12 $ 1,894,000 $ 157,833 $ 70,000
Brown, Wisconsin 12 $ 2,011,000 $ 167,583 $ 61,000
Campbell, Wyoming 12 $ 2,169,000 $ 180,750 $ 18,000
Lee, Alabama 11 $ 2,176,000 $ 197,818 $ 58,000
Santa Cruz, California 11 $ 3,255,000 $ 295,909 $ 61,000
Flagler, Florida 11 $ 2,635,000 $ 239,545 $ 91,000
Newton, Georgia 11 $ 1,344,000 $ 122,181 $ 42,000
Kendall, Illinois 11 $ 2,387,000 $ 217,000 $ 76,000
Hendricks, Indiana 11 $ 1,674,000 $ 152,181 $ 48,000
Leavenworth, Kansas 11 $ 2,124,000 $ 193,090 $ 29,000
Fayette, Kentucky 11 $ 2,143,000 $ 194,818 $ 39,000
Caddo, Louisiana 11 $ 1,328,000 $ 120,727 $ 23,000
York, Maine 11 $ 2,674,000 $ 243,090 $ 48,000
Calvert, Maryland 11 $ 3,278,000 $ 298,000 $ 77,000
Hampden, Massachusetts 11 $ 2,067,000 $ 187,909 $ 37,000
Kent, Michigan 11 $ 1,784,000 $ 162,181 $ 33,000
Ottawa, Michigan 11 $ 2,297,000 $ 208,818 $ 80,000
St. Clair, Michigan 11 $ 1,805,000 $ 164,090 $ 63,000
Cape May, New Jersey 11 $ 2,557,000 $ 232,454 $ 64,000
Onondaga, New York 11 $ 1,773,000 $ 161,181 $ 82,000
Ulster, New York 11 $ 1,938,000 $ 176,181 $ 36,000
Canadian, Oklahoma 11 $ 1,832,000 $ 166,545 $ 68,000
Dauphin, Pennsylvania 11 $ 1,720,000 $ 156,363 $ 43,000
Pike, Pennsylvania 11 $ 2,332,000 $ 212,000 $ 65,000
Cameron, Texas 11 $ 1,613,000 $ 146,636 $ 43,000
Arlington, Virginia 11 $ 2,948,000 $ 268,000 $ 43,000
Culpeper, Virginia 11 $ 2,718,000 $ 247,090 $ 62,000
Hanover, Virginia 11 $ 2,497,000 $ 227,000 $ 93,000
Jefferson, West Virginia 11 $ 2,564,000 $ 233,090 $ 84,000
Benton, Arkansas 10 $ 1,425,000 $ 142,500 $ 58,000
El Dorado, California 10 $ 2,382,000 $ 238,200 $ 77,000
Merced, California 10 $ 1,642,000 $ 164,200 $ 90,000
Citrus, Florida 10 $ 1,810,000 $ 181,000 $ 50,000
Monroe, Florida 10 $ 3,366,000 $ 336,600 $ 116,000
Hall, Georgia 10 $ 2,235,000 $ 223,500 $ 73,000
St. Joseph, Indiana 10 $ 1,494,000 $ 149,400 $ 23,000
Livingston, Michigan 10 $ 1,945,000 $ 194,500 $ 55,000
Monroe, Michigan 10 $ 1,698,000 $ 169,800 $ 52,000
Sherburne, Minnesota 10 $ 2,213,000 $ 221,300 $ 80,000
Gallatin, Montana 10 $ 1,927,000 $ 192,700 $ 30,000
Sarpy, Nebraska 10 $ 1,551,000 $ 155,100 $ 29,000
Greene, Ohio 10 $ 1,806,000 $ 180,600 $ 33,000
Knox, Ohio 10 $ 1,588,000 $ 158,800 $ 47,000
Wayne, Ohio 10 $ 1,403,000 $ 140,300 $ 66,000
Wood, Ohio 10 $ 1,687,000 $ 168,700 $ 67,000
Cleveland, Oklahoma 10 $ 1,620,000 $ 162,000 $ 84,000
Blount, Tennessee 10 $ 1,912,000 $ 191,200 $ 88,000
Sumner, Tennessee 10 $ 1,647,000 $ 164,700 $ 49,000
Williamson, Tennessee 10 $ 2,518,000 $ 251,800 $ 66,000
Alexandria, Virginia 10 $ 2,756,000 $ 275,600 $ 83,000
Skagit, Washington 10 $ 2,268,000 $ 226,800 $ 70,000
Elmore, Alabama 9 $ 1,434,000 $ 159,333 $ 44,000
St. Clair, Alabama 9 $ 1,577,000 $ 175,222 $ 41,000
Matanuska-Susitna, Alaska 9 $ 2,147,000 $ 238,555 $ 7,000
Humboldt, California 9 $ 2,007,000 $ 223,000 $ 42,000
Kings, California 9 $ 1,893,000 $ 210,333 $ 67,000
Highlands, Florida 9 $ 1,630,000 $ 181,111 $ 77,000
Nassau, Florida 9 $ 2,006,000 $ 222,888 $ 78,000
Barrow, Georgia 9 $ 1,553,000 $ 172,555 $ 59,000
Douglas, Georgia 9 $ 1,511,000 $ 167,888 $ 35,000
Houston, Georgia 9 $ 1,227,000 $ 136,333 $ 37,000
Rockdale, Georgia 9 $ 1,531,000 $ 170,111 $ 65,000
Wicomico, Maryland 9 $ 1,459,000 $ 162,111 $ 10,000
Barnstable, Massachusetts 9 $ 2,406,000 $ 267,333 $ 51,000
Merrimack, New Hampshire 9 $ 1,492,000 $ 165,777 $ 27,000
Sullivan, New York 9 $ 1,792,000 $ 199,111 $ 60,000
Pitt, North Carolina 9 $ 1,250,000 $ 138,888 $ 30,000
Mahoning, Ohio 9 $ 1,273,000 $ 141,444 $ 27,000
Yamhill, Oregon 9 $ 1,993,000 $ 221,444 $ 73,000
Beaver, Pennsylvania 9 $ 986,000 $ 109,555 $ 35,000
Georgetown, South Carolina 9 $ 1,424,000 $ 158,222 $ 38,000
Bell, Texas 9 $ 1,562,000 $ 173,555 $ 28,000
Nueces, Texas 9 $ 1,443,000 $ 160,333 $ 98,000
Franklin, Vermont 9 $ 1,826,000 $ 202,888 $ 57,000
Windham, Vermont 9 $ 1,466,000 $ 162,888 $ 55,000
Kanawha, West Virginia 9 $ 1,238,000 $ 137,555 $ 41,000
Rock, Wisconsin 9 $ 1,409,000 $ 156,555 $ 37,000
Calhoun, Alabama 8 $ 1,363,000 $ 170,375 $ 67,000
Dale, Alabama 8 $ 1,023,000 $ 127,875 $ 49,000
Lake, California 8 $ 1,545,000 $ 193,125 $ 66,000
Marin, California 8 $ 2,782,000 $ 347,750 $ 52,000
Yolo, California 8 $ 1,546,000 $ 193,250 $ 77,000
Broomfield, Colorado 8 $ 2,207,000 $ 275,875 $ 106,000
Jackson, Georgia 8 $ 1,716,000 $ 214,500 $ 44,000
Walton, Georgia 8 $ 1,427,000 $ 178,375 $ 46,000
Allen, Indiana 8 $ 1,098,000 $ 137,250 $ 42,000
Johnson, Indiana 8 $ 1,619,000 $ 202,375 $ 41,000
Linn, Iowa 8 $ 1,373,000 $ 171,625 $ 58,000
Bossier, Louisiana 8 $ 1,641,000 $ 205,125 $ 68,000
Cumberland, Maine 8 $ 1,825,000 $ 228,125 $ 67,000
Cecil, Maryland 8 $ 2,024,000 $ 253,000 $ 65,000
Worcester, Maryland 8 $ 2,161,000 $ 270,125 $ 75,000
Kalamazoo, Michigan 8 $ 1,295,000 $ 161,875 $ 73,000
Lapeer, Michigan 8 $ 1,408,000 $ 176,000 $ 41,000
Muskegon, Michigan 8 $ 753,000 $ 94,125 $ 30,000
Jackson, Mississippi 8 $ 919,000 $ 114,875 $ 27,000
Rankin, Mississippi 8 $ 1,333,000 $ 166,625 $ 38,000
Cass, Missouri 8 $ 1,419,000 $ 177,375 $ 52,000
Flathead, Montana 8 $ 1,524,000 $ 190,500 $ 13,000
Ravalli, Montana 8 $ 2,061,000 $ 257,625 $ 62,000
Cumberland, New Jersey 8 $ 1,348,000 $ 168,500 $ 52,000
Warren, New Jersey 8 $ 1,806,000 $ 225,750 $ 71,000
Columbia, New York 8 $ 1,491,000 $ 186,375 $ 41,000
Niagara, New York 8 $ 1,081,000 $ 135,125 $ 32,000
Schenectady, New York 8 $ 1,610,000 $ 201,250 $ 30,000
Carteret, North Carolina 8 $ 1,402,000 $ 175,250 $ 57,000
Harnett, North Carolina 8 $ 1,891,000 $ 236,375 $ 101,000
Montgomery, Ohio 8 $ 1,107,000 $ 138,375 $ 28,000
Jackson, Oregon 8 $ 1,485,000 $ 185,625 $ 51,000
Adams, Pennsylvania 8 $ 1,503,000 $ 187,875 $ 40,000
Lebanon, Pennsylvania 8 $ 1,250,000 $ 156,250 $ 26,000
Lexington, South Carolina 8 $ 1,173,000 $ 146,625 $ 79,000
Montgomery, Tennessee 8 $ 1,283,000 $ 160,375 $ 56,000
Jefferson, Texas 8 $ 1,330,000 $ 166,250 $ 80,000
Tooele, Utah 8 $ 1,606,000 $ 200,750 $ 37,000
Fauquier, Virginia 8 $ 2,690,000 $ 336,250 $ 110,000
Portsmouth, Virginia 8 $ 1,738,000 $ 217,250 $ 32,000
Powhatan, Virginia 8 $ 2,540,000 $ 317,500 $ 135,000
Rockingham, Virginia 8 $ 1,661,000 $ 207,625 $ 66,000
Suffolk, Virginia 8 $ 1,858,000 $ 232,250 $ 67,000
York, Virginia 8 $ 1,574,000 $ 196,750 $ 49,000
Lewis, Washington 8 $ 1,865,000 $ 233,125 $ 29,000
Kenosha, Wisconsin 8 $ 1,336,000 $ 167,000 $ 45,000
Fairbanks North Star, Alaska 7 $ 1,263,000 $ 180,428 $ 43,000
Bibb, Georgia 7 $ 1,309,000 $ 187,000 $ 73,000
Floyd, Georgia 7 $ 860,000 $ 122,857 $ 42,000
Winnebago, Illinois 7 $ 933,000 $ 133,285 $ 43,000
Elkhart, Indiana 7 $ 728,000 $ 104,000 $ 41,000
Morgan, Indiana 7 $ 1,054,000 $ 150,571 $ 35,000
Scott, Iowa 7 $ 1,833,000 $ 261,857 $ 197,000
Shawnee, Kansas 7 $ 1,025,000 $ 146,428 $ 32,000
Wyandotte, Kansas 7 $ 1,156,000 $ 165,142 $ 34,000
Queen Anne's, Maryland 7 $ 1,702,000 $ 243,142 $ 56,000
St. Mary's, Maryland 7 $ 1,787,000 $ 255,285 $ 97,000
Washington, Maryland 7 $ 1,685,000 $ 240,714 $ 67,000
Saginaw, Michigan 7 $ 1,040,000 $ 148,571 $ 57,000
Olmsted, Minnesota 7 $ 1,293,000 $ 184,714 $ 64,000
Jefferson, Missouri 7 $ 1,565,000 $ 223,571 $ 51,000
Platte, Missouri 7 $ 1,252,000 $ 178,857 $ 27,000
Yellowstone, Montana 7 $ 1,096,000 $ 156,571 $ 12,000
Lancaster, Nebraska 7 $ 1,151,000 $ 164,428 $ 25,000
Strafford, New Hampshire 7 $ 1,256,000 $ 179,428 $ 66,000
Brunswick, North Carolina 7 $ 1,807,000 $ 258,142 $ 65,000
Haywood, North Carolina 7 $ 937,000 $ 133,857 $ 25,000
Muskingum, Ohio 7 $ 1,223,000 $ 174,714 $ 49,000
Rogers, Oklahoma 7 $ 1,166,000 $ 166,571 $ 54,000
Klamath, Oregon 7 $ 1,278,000 $ 182,571 $ 64,000
Linn, Oregon 7 $ 1,126,000 $ 160,857 $ 46,000
Carbon, Pennsylvania 7 $ 874,000 $ 124,857 $ 67,000
Lawrence, Pennsylvania 7 $ 825,000 $ 117,857 $ 38,000
Anderson, South Carolina 7 $ 1,397,000 $ 199,571 $ 57,000
Minnehaha, South Dakota 7 $ 1,172,000 $ 167,428 $ 50,000
Anderson, Tennessee 7 $ 1,027,000 $ 146,714 $ 44,000
Liberty, Texas 7 $ 663,000 $ 94,714 $ 48,000
Webb, Texas 7 $ 1,003,000 $ 143,285 $ 44,000
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Mortgage Loan Application Detail Totals for Proficio Bank in 2013

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 15,378 $3,186,463,000 $207,000 $2,000,000 $57,000 $2,055,000
Home Purchase 2,088 $366,014,000 $175,000 $800,000 $78,000 $1,493,000
Home Improvement 98 $19,274,000 $196,000 $560,000 $85,000 $275,000

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 11,544 $2,324,959,000 $201,000 $2,000,000 $61,000 $2,055,000
Not Provided 2,573 $567,202,000 $220,000 $1,500,000 $59,000 $1,400,000
Black or African American 1,707 $307,508,000 $180,000 $1,060,000 $48,000 $532,000
Hispanic 1,199 $247,185,000 $206,000 $854,000 $57,000 $375,000
Asian 420 $100,155,000 $238,000 $703,000 $72,000 $659,000
American Indian or Alaskan Native 70 $13,275,000 $189,000 $421,000 $47,000 $205,000
Native Hawaiian or Other Pacific Islander 51 $11,467,000 $224,000 $672,000 $46,000 $234,000
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) 8,269 $1,807,887,000 $218,000 $2,000,000 $92,000 $2,055,000
FHA-insured (Federal Housing Administration) 7,878 $1,467,068,000 $186,000 $793,000 $26,000 $2,000,000
VA-guaranteed (Veterans Administration) 1,174 $262,738,000 $223,000 $800,000 $57,000 $308,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 243 $34,058,000 $140,000 $403,000 $49,000 $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
Application Withdrawn By Applicant 7,989 $1,689,745,000 $211,000 $2,000,000 $65,000 $2,055,000
Loan Originated 6,133 $1,202,976,000 $196,000 $800,000 $56,000 $652,000
Application Denied By Financial Institution 1,838 $375,926,000 $204,000 $1,060,000 $61,000 $754,000
File Closed For Incompleteness 816 $137,147,000 $168,000 $750,000 $18,000 $360,000
Application Approved But Not Accepted 788 $165,957,000 $210,000 $668,000 $66,000 $480,000
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 326 $74,885,000 $229,000 $793,000 $62,000 $405,000
Credit History 250 $51,244,000 $204,000 $743,000 $60,000 $429,000
Collateral 217 $44,400,000 $204,000 $672,000 $79,000 $754,000
Other 150 $33,278,000 $221,000 $765,000 $71,000 $550,000
Insufficient Cash (Downpayment, Closing Cost) 43 $9,367,000 $217,000 $477,000 $68,000 $238,000
Unverifiable Information 36 $8,137,000 $226,000 $703,000 $71,000 $165,000
Employment History 26 $4,672,000 $179,000 $354,000 $41,000 $160,000
Credit Application Incomplete 15 $2,874,000 $191,000 $329,000 $42,000 $126,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2013 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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