Proficio Bank Mortgage Lending & HMDA Data, 2014

In 2014, Proficio Bank of Cottonwood Heights, UT reported 19,875 mortgage applications totaling $4.0 billion, up 13% from 2013. The average application was for $199,834, and applicants reported an average income of $34,266. 15% of its applications resulted in an originated loan and 52% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (604), Atlanta-Sandy Springs-Roswell, GA (533) and Washington-Arlington-Alexandria, DC-VA-MD-WV (525) (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 19,875
Total Mortgage Loan Application Amount $3,971,708,000
Average Mortgage Loan Application Amount $199,834
Highest Mortgage Loan Application Amount $28,500,000
Average Applicant Income $34,266
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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 348 $ 63,154,000 $ 181,477 $ 30,000
Los Angeles, California 329 $ 109,494,000 $ 332,808 $ 33,000
Cuyahoga, Ohio 283 $ 36,785,000 $ 129,982 $ 42,000
Broward, Florida 189 $ 40,269,000 $ 213,063 $ 38,000
Clark, Nevada 180 $ 35,466,000 $ 197,033 $ 28,000
Harris, Texas 179 $ 26,702,000 $ 149,173 $ 32,000
Miami-Dade, Florida 153 $ 33,228,000 $ 217,176 $ 31,000
Prince George's, Maryland 150 $ 40,737,000 $ 271,580 $ 41,000
Riverside, California 149 $ 35,129,000 $ 235,765 $ 40,000
Maricopa, Arizona 143 $ 31,467,000 $ 220,048 $ 33,000
Hillsborough, Florida 141 $ 30,203,000 $ 214,205 $ 62,000
Palm Beach, Florida 133 $ 30,249,000 $ 227,436 $ 35,000
San Diego, California 131 $ 43,733,000 $ 333,839 $ 47,000
San Bernardino, California 127 $ 30,131,000 $ 237,251 $ 38,000
Franklin, Ohio 127 $ 16,383,000 $ 129,000 $ 26,000
Wayne, Michigan 118 $ 14,883,000 $ 126,127 $ 25,000
Suffolk, New York 116 $ 37,815,000 $ 325,991 $ 60,000
King, Washington 111 $ 31,682,000 $ 285,423 $ 43,000
Oakland, Michigan 108 $ 18,575,000 $ 171,990 $ 34,000
Nassau, New York 102 $ 37,455,000 $ 367,205 $ 61,000
Shelby, Tennessee 101 $ 16,363,000 $ 162,009 $ 29,000
Orange, California 98 $ 34,737,000 $ 354,459 $ 33,000
Fairfax, Virginia 97 $ 33,820,000 $ 348,659 $ 65,000
Hennepin, Minnesota 93 $ 21,319,000 $ 229,236 $ 49,000
Orange, Florida 91 $ 16,062,000 $ 176,505 $ 30,000
Pinellas, Florida 91 $ 16,551,000 $ 181,879 $ 36,000
Sacramento, California 90 $ 19,860,000 $ 220,666 $ 25,000
Dallas, Texas 89 $ 11,420,000 $ 128,314 $ 27,000
Queens, New York 86 $ 30,731,000 $ 357,337 $ 54,000
Baltimore, Maryland 85 $ 21,861,000 $ 257,188 $ 37,000
Duval, Florida 84 $ 14,051,000 $ 167,273 $ 21,000
Philadelphia, Pennsylvania 84 $ 11,940,000 $ 142,142 $ 21,000
Bexar, Texas 84 $ 12,775,000 $ 152,083 $ 25,000
Polk, Florida 83 $ 12,710,000 $ 153,132 $ 34,000
Pierce, Washington 83 $ 19,072,000 $ 229,783 $ 43,000
Mecklenburg, North Carolina 78 $ 15,902,000 $ 203,871 $ 43,000
Macomb, Michigan 77 $ 13,019,000 $ 169,077 $ 50,000
Tarrant, Texas 76 $ 10,703,000 $ 140,828 $ 20,000
Lorain, Ohio 74 $ 9,207,000 $ 124,418 $ 36,000
Fulton, Georgia 73 $ 11,943,000 $ 163,602 $ 21,000
Gwinnett, Georgia 73 $ 13,293,000 $ 182,095 $ 35,000
Montgomery, Maryland 73 $ 27,156,000 $ 372,000 $ 65,000
Salt Lake, Utah 71 $ 16,460,000 $ 231,830 $ 25,000
St. Louis, Missouri 70 $ 13,259,000 $ 189,414 $ 26,000
Summit, Ohio 70 $ 10,257,000 $ 146,528 $ 50,000
El Paso, Colorado 68 $ 15,988,000 $ 235,117 $ 28,000
DuPage, Illinois 67 $ 15,222,000 $ 227,194 $ 39,000
Pasco, Florida 66 $ 10,056,000 $ 152,363 $ 27,000
DeKalb, Georgia 65 $ 9,100,000 $ 140,000 $ 17,000
Wake, North Carolina 65 $ 12,053,000 $ 185,430 $ 27,000
Lee, Florida 64 $ 12,980,000 $ 202,812 $ 34,000
Lake, Ohio 63 $ 7,824,000 $ 124,190 $ 34,000
Volusia, Florida 62 $ 8,616,000 $ 138,967 $ 26,000
Cobb, Georgia 62 $ 11,461,000 $ 184,854 $ 41,000
Westchester, New York 62 $ 20,608,000 $ 332,387 $ 98,000
Prince William, Virginia 62 $ 20,355,000 $ 328,306 $ 66,000
Anne Arundel, Maryland 61 $ 16,327,000 $ 267,655 $ 46,000
Sarasota, Florida 59 $ 14,693,000 $ 249,033 $ 39,000
Middlesex, Massachusetts 59 $ 19,228,000 $ 325,898 $ 63,000
Hamilton, Ohio 58 $ 7,444,000 $ 128,344 $ 17,000
Will, Illinois 57 $ 9,936,000 $ 174,315 $ 31,000
Pima, Arizona 54 $ 10,142,000 $ 187,814 $ 26,000
Santa Clara, California 54 $ 23,028,000 $ 426,444 $ 54,000
Ocean, New Jersey 54 $ 12,294,000 $ 227,666 $ 69,000
Snohomish, Washington 54 $ 15,966,000 $ 295,666 $ 55,000
Contra Costa, California 53 $ 16,130,000 $ 304,339 $ 34,000
Montgomery, Pennsylvania 53 $ 12,460,000 $ 235,094 $ 42,000
Jefferson, Alabama 52 $ 8,934,000 $ 171,807 $ 26,000
Dakota, Minnesota 52 $ 9,821,000 $ 188,865 $ 37,000
Allegheny, Pennsylvania 51 $ 5,658,000 $ 110,941 $ 19,000
Charleston, South Carolina 51 $ 12,525,000 $ 245,588 $ 45,000
Richland, South Carolina 51 $ 10,922,000 $ 214,156 $ 28,000
Fort Bend, Texas 51 $ 9,994,000 $ 195,960 $ 39,000
Kings, New York 50 $ 19,472,000 $ 389,440 $ 58,000
St. Lucie, Florida 49 $ 8,305,000 $ 169,489 $ 30,000
Bergen, New Jersey 49 $ 14,077,000 $ 287,285 $ 84,000
Medina, Ohio 49 $ 7,922,000 $ 161,673 $ 30,000
Horry, South Carolina 49 $ 8,688,000 $ 177,306 $ 31,000
Sevier, Tennessee 49 $ 6,927,000 $ 141,367 $ 54,000
Virginia Beach, Virginia 49 $ 11,185,000 $ 228,265 $ 41,000
Brevard, Florida 48 $ 7,698,000 $ 160,375 $ 21,000
Monmouth, New Jersey 48 $ 15,093,000 $ 314,437 $ 66,000
Alameda, California 47 $ 16,920,000 $ 360,000 $ 42,000
Kern, California 47 $ 9,584,000 $ 203,914 $ 32,000
New Castle, Delaware 47 $ 9,311,000 $ 198,106 $ 34,000
Manatee, Florida 47 $ 10,094,000 $ 214,765 $ 46,000
Seminole, Florida 47 $ 7,985,000 $ 169,893 $ 32,000
Montgomery, Texas 47 $ 8,181,000 $ 174,063 $ 53,000
Loudoun, Virginia 47 $ 17,196,000 $ 365,872 $ 83,000
Arapahoe, Colorado 46 $ 9,497,000 $ 206,456 $ 29,000
Collin, Texas 46 $ 9,023,000 $ 196,152 $ 51,000
Collier, Florida 45 $ 11,519,000 $ 255,977 $ 42,000
Richmond, New York 44 $ 14,425,000 $ 327,840 $ 45,000
Davidson, Tennessee 44 $ 7,906,000 $ 179,681 $ 41,000
Milwaukee, Wisconsin 44 $ 6,114,000 $ 138,954 $ 22,000
Marion, Indiana 43 $ 5,512,000 $ 128,186 $ 12,000
Burlington, New Jersey 43 $ 9,595,000 $ 223,139 $ 39,000
Bernalillo, New Mexico 43 $ 6,579,000 $ 153,000 $ 27,000
Cumberland, North Carolina 43 $ 6,757,000 $ 157,139 $ 26,000
Lucas, Ohio 43 $ 5,100,000 $ 118,604 $ 32,000
Ventura, California 42 $ 14,895,000 $ 354,642 $ 49,000
Jefferson, Kentucky 42 $ 5,774,000 $ 137,476 $ 18,000
Jefferson, Louisiana 42 $ 6,358,000 $ 151,380 $ 19,000
Baltimore City, Maryland 42 $ 6,041,000 $ 143,833 $ 21,000
Essex, Massachusetts 42 $ 11,354,000 $ 270,333 $ 64,000
Middlesex, New Jersey 42 $ 9,932,000 $ 236,476 $ 27,000
Delaware, Pennsylvania 42 $ 8,138,000 $ 193,761 $ 25,000
Jefferson, Colorado 41 $ 9,070,000 $ 221,219 $ 32,000
Ramsey, Minnesota 41 $ 7,517,000 $ 183,341 $ 30,000
Essex, New Jersey 41 $ 10,273,000 $ 250,560 $ 44,000
Osceola, Florida 40 $ 7,304,000 $ 182,600 $ 31,000
Jackson, Missouri 40 $ 5,895,000 $ 147,375 $ 24,000
El Paso, Texas 40 $ 5,347,000 $ 133,675 $ 10,000
Solano, California 39 $ 12,881,000 $ 330,282 $ 48,000
Lake, Florida 39 $ 7,167,000 $ 183,769 $ 37,000
Harford, Maryland 39 $ 12,247,000 $ 314,025 $ 92,000
Worcester, Massachusetts 39 $ 9,547,000 $ 244,794 $ 48,000
Morris, New Jersey 39 $ 11,526,000 $ 295,538 $ 63,000
Orange, New York 39 $ 8,946,000 $ 229,384 $ 49,000
Buncombe, North Carolina 39 $ 7,432,000 $ 190,564 $ 36,000
Bucks, Pennsylvania 39 $ 8,481,000 $ 217,461 $ 37,000
Chester, Pennsylvania 39 $ 9,998,000 $ 256,358 $ 41,000
York, Pennsylvania 39 $ 6,510,000 $ 166,923 $ 27,000
Kent, Delaware 38 $ 7,263,000 $ 191,131 $ 37,000
Bronx, New York 38 $ 12,123,000 $ 319,026 $ 52,000
Fresno, California 37 $ 8,484,000 $ 229,297 $ 38,000
Clayton, Georgia 37 $ 5,193,000 $ 140,351 $ 25,000
Gloucester, New Jersey 37 $ 8,184,000 $ 221,189 $ 52,000
Travis, Texas 37 $ 5,772,000 $ 156,000 $ 42,000
Chesterfield, Virginia 37 $ 8,581,000 $ 231,918 $ 40,000
San Joaquin, California 36 $ 8,103,000 $ 225,083 $ 38,000
New Haven, Connecticut 36 $ 7,412,000 $ 205,888 $ 39,000
Fairfield, Connecticut 35 $ 9,296,000 $ 265,600 $ 48,000
Hartford, Connecticut 35 $ 6,635,000 $ 189,571 $ 35,000
Okaloosa, Florida 35 $ 7,148,000 $ 204,228 $ 33,000
Orleans, Louisiana 35 $ 5,821,000 $ 166,314 $ 16,000
Washoe, Nevada 35 $ 7,163,000 $ 204,657 $ 42,000
Guilford, North Carolina 35 $ 8,017,000 $ 229,057 $ 47,000
Knox, Tennessee 35 $ 5,492,000 $ 156,914 $ 44,000
Ada, Idaho 34 $ 6,094,000 $ 179,235 $ 11,000
Madison, Alabama 33 $ 6,756,000 $ 204,727 $ 29,000
Anoka, Minnesota 33 $ 34,936,000 $ 1,058,666 $ 54,000
Berkeley, South Carolina 33 $ 5,266,000 $ 159,575 $ 25,000
Henry, Georgia 32 $ 6,245,000 $ 195,156 $ 34,000
East Baton Rouge, Louisiana 32 $ 4,993,000 $ 156,031 $ 26,000
Lafayette, Louisiana 32 $ 5,376,000 $ 168,000 $ 18,000
Denton, Texas 32 $ 5,841,000 $ 182,531 $ 37,000
Williamson, Texas 32 $ 5,829,000 $ 182,156 $ 27,000
Mobile, Alabama 31 $ 4,046,000 $ 130,516 $ 13,000
Adams, Colorado 31 $ 6,567,000 $ 211,838 $ 31,000
McHenry, Illinois 31 $ 5,524,000 $ 178,193 $ 33,000
Lake, Indiana 31 $ 4,805,000 $ 155,000 $ 39,000
Kent, Michigan 31 $ 4,519,000 $ 145,774 $ 26,000
Hudson, New Jersey 31 $ 7,432,000 $ 239,741 $ 28,000
Union, North Carolina 31 $ 7,544,000 $ 243,354 $ 56,000
Ashtabula, Ohio 31 $ 3,129,000 $ 100,935 $ 44,000
York, South Carolina 31 $ 5,565,000 $ 179,516 $ 20,000
Rutherford, Tennessee 31 $ 4,632,000 $ 149,419 $ 21,000
Bell, Texas 31 $ 5,960,000 $ 192,258 $ 12,000
Sussex, Delaware 30 $ 6,813,000 $ 227,100 $ 54,000
Bay, Florida 30 $ 5,145,000 $ 171,500 $ 48,000
Marion, Florida 30 $ 4,509,000 $ 150,300 $ 40,000
St. Johns, Florida 30 $ 7,576,000 $ 252,533 $ 36,000
Washington, Minnesota 30 $ 6,926,000 $ 230,866 $ 42,000
Monroe, Pennsylvania 30 $ 4,435,000 $ 147,833 $ 22,000
Escambia, Florida 29 $ 3,994,000 $ 137,724 $ 9,000
Lake, Illinois 29 $ 6,230,000 $ 214,827 $ 31,000
Sedgwick, Kansas 29 $ 3,255,000 $ 112,241 $ 28,000
Durham, North Carolina 29 $ 4,377,000 $ 150,931 $ 21,000
Multnomah, Oregon 29 $ 6,467,000 $ 223,000 $ 20,000
Berks, Pennsylvania 29 $ 4,753,000 $ 163,896 $ 38,000
Lexington, South Carolina 29 $ 4,683,000 $ 161,482 $ 23,000
Hamilton, Tennessee 29 $ 3,978,000 $ 137,172 $ 23,000
Montgomery, Alabama 28 $ 4,908,000 $ 175,285 $ 20,000
Frederick, Maryland 28 $ 8,723,000 $ 311,535 $ 61,000
Atlantic, New Jersey 28 $ 5,438,000 $ 194,214 $ 23,000
Forsyth, North Carolina 28 $ 4,490,000 $ 160,357 $ 18,000
Montgomery, Ohio 28 $ 3,860,000 $ 137,857 $ 21,000
Stark, Ohio 28 $ 3,419,000 $ 122,107 $ 36,000
Westmoreland, Pennsylvania 28 $ 4,177,000 $ 149,178 $ 27,000
Beaufort, South Carolina 28 $ 6,404,000 $ 228,714 $ 21,000
Weld, Colorado 27 $ 5,352,000 $ 198,222 $ 41,000
Forsyth, Georgia 27 $ 6,754,000 $ 250,148 $ 46,000
Charles, Maryland 27 $ 8,189,000 $ 303,296 $ 53,000
Washtenaw, Michigan 27 $ 6,206,000 $ 229,851 $ 43,000
Passaic, New Jersey 27 $ 6,716,000 $ 248,740 $ 38,000
Greenville, South Carolina 27 $ 5,872,000 $ 217,481 $ 22,000
Chesapeake, Virginia 27 $ 6,191,000 $ 229,296 $ 30,000
Thurston, Washington 27 $ 5,960,000 $ 220,740 $ 33,000
Denver, Colorado 26 $ 4,624,000 $ 177,846 $ 16,000
District of Columbia, District Of Columbia 26 $ 6,789,000 $ 261,115 $ 21,000
Clay, Florida 26 $ 4,723,000 $ 181,653 $ 43,000
Chatham, Georgia 26 $ 5,428,000 $ 208,769 $ 23,000
St. Charles, Missouri 26 $ 5,413,000 $ 208,192 $ 29,000
Butler, Ohio 26 $ 3,886,000 $ 149,461 $ 47,000
Oklahoma, Oklahoma 26 $ 4,494,000 $ 172,846 $ 24,000
Charlotte, Florida 25 $ 4,365,000 $ 174,600 $ 25,000
Kane, Illinois 25 $ 6,060,000 $ 242,400 $ 47,000
Norfolk, Massachusetts 25 $ 8,268,000 $ 330,720 $ 115,000
Hillsborough, New Hampshire 25 $ 5,195,000 $ 207,800 $ 42,000
Union, New Jersey 25 $ 6,623,000 $ 264,920 $ 38,000
Dorchester, South Carolina 25 $ 4,574,000 $ 182,960 $ 20,000
Henrico, Virginia 25 $ 4,953,000 $ 198,120 $ 20,000
Clark, Washington 25 $ 5,474,000 $ 218,960 $ 36,000
Stanislaus, California 24 $ 4,858,000 $ 202,416 $ 17,000
Bristol, Massachusetts 24 $ 6,077,000 $ 253,208 $ 62,000
Plymouth, Massachusetts 24 $ 6,206,000 $ 258,583 $ 39,000
Camden, New Jersey 24 $ 4,355,000 $ 181,458 $ 26,000
Portage, Ohio 24 $ 4,080,000 $ 170,000 $ 46,000
Spotsylvania, Virginia 24 $ 5,252,000 $ 218,833 $ 64,000
Tulare, California 23 $ 5,022,000 $ 218,347 $ 92,000
Suffolk, Massachusetts 23 $ 7,519,000 $ 326,913 $ 39,000
Dutchess, New York 23 $ 5,958,000 $ 259,043 $ 54,000
Montgomery, Tennessee 23 $ 3,274,000 $ 142,347 $ 17,000
Newport News, Virginia 23 $ 4,822,000 $ 209,652 $ 15,000
Kitsap, Washington 23 $ 5,728,000 $ 249,043 $ 24,000
Spokane, Washington 23 $ 4,111,000 $ 178,739 $ 30,000
Berkeley, West Virginia 23 $ 4,470,000 $ 194,347 $ 49,000
Waukesha, Wisconsin 23 $ 4,074,000 $ 177,130 $ 20,000
Placer, California 22 $ 7,163,000 $ 325,590 $ 39,000
Leon, Florida 22 $ 3,514,000 $ 159,727 $ 21,000
Cherokee, Georgia 22 $ 4,896,000 $ 222,545 $ 56,000
Hidalgo, Texas 22 $ 3,061,000 $ 139,136 $ 28,000
Mesa, Colorado 21 $ 4,489,000 $ 213,761 $ 31,000
Alachua, Florida 21 $ 3,752,000 $ 178,666 $ 32,000
Santa Rosa, Florida 21 $ 4,065,000 $ 193,571 $ 53,000
Canyon, Idaho 21 $ 3,332,000 $ 158,666 $ 22,000
Johnson, Kansas 21 $ 3,704,000 $ 176,380 $ 37,000
Caddo, Louisiana 21 $ 1,913,000 $ 91,095 $ 6,000
Genesee, Michigan 21 $ 2,865,000 $ 136,428 $ 27,000
Ingham, Michigan 21 $ 2,646,000 $ 126,000 $ 21,000
Monroe, Michigan 21 $ 3,316,000 $ 157,904 $ 12,000
Hinds, Mississippi 21 $ 2,690,000 $ 128,095 $ 6,000
Clay, Missouri 21 $ 3,501,000 $ 166,714 $ 33,000
Monroe, New York 21 $ 2,519,000 $ 119,952 $ 24,000
Lancaster, Pennsylvania 21 $ 3,511,000 $ 167,190 $ 36,000
Portsmouth, Virginia 21 $ 4,248,000 $ 202,285 $ 31,000
Stafford, Virginia 21 $ 6,841,000 $ 325,761 $ 38,000
Pulaski, Arkansas 20 $ 2,926,000 $ 146,300 $ 20,000
Flagler, Florida 20 $ 3,420,000 $ 171,000 $ 46,000
Rockdale, Georgia 20 $ 3,509,000 $ 175,450 $ 28,000
St. Tammany, Louisiana 20 $ 4,176,000 $ 208,800 $ 14,000
Rockland, New York 20 $ 6,020,000 $ 301,000 $ 59,000
Onslow, North Carolina 20 $ 3,361,000 $ 168,050 $ 29,000
Geauga, Ohio 20 $ 5,780,000 $ 289,000 $ 68,000
Luzerne, Pennsylvania 20 $ 3,243,000 $ 162,150 $ 40,000
Citrus, Florida 19 $ 2,867,000 $ 150,894 $ 29,000
Douglas, Georgia 19 $ 3,402,000 $ 179,052 $ 25,000
Fayette, Kentucky 19 $ 2,866,000 $ 150,842 $ 20,000
Hampden, Massachusetts 19 $ 3,968,000 $ 208,842 $ 48,000
Clermont, Ohio 19 $ 2,756,000 $ 145,052 $ 24,000
Northampton, Pennsylvania 19 $ 4,944,000 $ 260,210 $ 57,000
Spartanburg, South Carolina 19 $ 3,818,000 $ 200,947 $ 10,000
Brazoria, Texas 19 $ 2,416,000 $ 127,157 $ 21,000
Galveston, Texas 19 $ 2,929,000 $ 154,157 $ 28,000
Utah, Utah 19 $ 3,815,000 $ 200,789 $ 42,000
Lee, Alabama 18 $ 4,031,000 $ 223,944 $ 5,000
Mohave, Arizona 18 $ 2,605,000 $ 144,722 $ 10,000
Douglas, Colorado 18 $ 4,537,000 $ 252,055 $ 45,000
Paulding, Georgia 18 $ 2,942,000 $ 163,444 $ 24,000
Tippecanoe, Indiana 18 $ 2,501,000 $ 138,944 $ 30,000
Polk, Iowa 18 $ 2,616,000 $ 145,333 $ 41,000
Douglas, Nebraska 18 $ 2,169,000 $ 120,500 $ 27,000
Cabarrus, North Carolina 18 $ 3,413,000 $ 189,611 $ 48,000
Cleveland, Oklahoma 18 $ 2,939,000 $ 163,277 $ 20,000
Lehigh, Pennsylvania 18 $ 2,751,000 $ 152,833 $ 36,000
Hampton, Virginia 18 $ 3,598,000 $ 199,888 $ 40,000
San Mateo, California 17 $ 8,472,000 $ 498,352 $ 116,000
Kootenai, Idaho 17 $ 3,160,000 $ 185,882 $ 43,000
Cecil, Maryland 17 $ 4,329,000 $ 254,647 $ 55,000
Wicomico, Maryland 17 $ 3,853,000 $ 226,647 $ 43,000
Jefferson, Missouri 17 $ 2,947,000 $ 173,352 $ 21,000
St. Louis City, Missouri 17 $ 2,893,000 $ 170,176 $ 26,000
Dona Ana, New Mexico 17 $ 2,853,000 $ 167,823 $ 23,000
Delaware, Ohio 17 $ 3,054,000 $ 179,647 $ 36,000
Licking, Ohio 17 $ 2,210,000 $ 130,000 $ 31,000
Island, Washington 17 $ 3,792,000 $ 223,058 $ 36,000
Dane, Wisconsin 17 $ 3,243,000 $ 190,764 $ 26,000
Baldwin, Alabama 16 $ 2,783,000 $ 173,937 $ 35,000
Indian River, Florida 16 $ 3,068,000 $ 191,750 $ 65,000
Howard, Maryland 16 $ 5,074,000 $ 317,125 $ 64,000
Barnstable, Massachusetts 16 $ 4,608,000 $ 288,000 $ 72,000
Berrien, Michigan 16 $ 2,839,000 $ 177,437 $ 21,000
Douglas, Nevada 16 $ 3,710,000 $ 231,875 $ 33,000
Rockingham, New Hampshire 16 $ 3,644,000 $ 227,750 $ 67,000
Santa Fe, New Mexico 16 $ 3,450,000 $ 215,625 $ 32,000
Saratoga, New York 16 $ 3,398,000 $ 212,375 $ 58,000
Carteret, North Carolina 16 $ 2,693,000 $ 168,312 $ 39,000
Clackamas, Oregon 16 $ 4,224,000 $ 264,000 $ 41,000
Dauphin, Pennsylvania 16 $ 2,454,000 $ 153,375 $ 25,000
Lackawanna, Pennsylvania 16 $ 2,279,000 $ 142,437 $ 60,000
Suffolk, Virginia 16 $ 3,190,000 $ 199,375 $ 50,000
Tuscaloosa, Alabama 15 $ 2,393,000 $ 159,533 $ 16,000
Merced, California 15 $ 3,042,000 $ 202,800 $ 39,000
Santa Barbara, California 15 $ 5,762,000 $ 384,133 $ 44,000
Sonoma, California 15 $ 4,619,000 $ 307,933 $ 43,000
Coweta, Georgia 15 $ 3,977,000 $ 265,133 $ 39,000
Muscogee, Georgia 15 $ 3,556,000 $ 237,066 $ 54,000
Hamilton, Indiana 15 $ 2,561,000 $ 170,733 $ 51,000
Scott, Minnesota 15 $ 3,209,000 $ 213,933 $ 56,000
Cape May, New Jersey 15 $ 3,884,000 $ 258,933 $ 60,000
Sandoval, New Mexico 15 $ 3,687,000 $ 245,800 $ 13,000
Putnam, New York 15 $ 4,510,000 $ 300,666 $ 82,000
Brunswick, North Carolina 15 $ 3,318,000 $ 221,200 $ 31,000
Gaston, North Carolina 15 $ 2,428,000 $ 161,866 $ 23,000
Johnston, North Carolina 15 $ 2,415,000 $ 161,000 $ 7,000
New Hanover, North Carolina 15 $ 2,389,000 $ 159,266 $ 22,000
Trumbull, Ohio 15 $ 1,696,000 $ 113,066 $ 30,000
Warren, Ohio 15 $ 2,659,000 $ 177,266 $ 30,000
Tulsa, Oklahoma 15 $ 3,479,000 $ 231,933 $ 70,000
Cumberland, Pennsylvania 15 $ 2,124,000 $ 141,600 $ 47,000
Providence, Rhode Island 15 $ 2,827,000 $ 188,466 $ 43,000
Aiken, South Carolina 15 $ 2,723,000 $ 181,533 $ 30,000
Anderson, South Carolina 15 $ 3,098,000 $ 206,533 $ 35,000
Sumner, Tennessee 15 $ 3,357,000 $ 223,800 $ 23,000
Fauquier, Virginia 15 $ 3,681,000 $ 245,400 $ 41,000
Whatcom, Washington 15 $ 3,019,000 $ 201,266 $ 48,000
Houston, Alabama 14 $ 2,195,000 $ 156,785 $ 19,000
Benton, Arkansas 14 $ 2,079,000 $ 148,500 $ 38,000
San Luis Obispo, California 14 $ 4,464,000 $ 318,857 $ 29,000
Boulder, Colorado 14 $ 3,209,000 $ 229,214 $ 62,000
New London, Connecticut 14 $ 2,853,000 $ 203,785 $ 45,000
Hernando, Florida 14 $ 1,906,000 $ 136,142 $ 22,000
Martin, Florida 14 $ 2,129,000 $ 152,071 $ 20,000
Columbia, Georgia 14 $ 2,676,000 $ 191,142 $ 28,000
Hall, Georgia 14 $ 2,669,000 $ 190,642 $ 33,000
Richmond, Georgia 14 $ 1,708,000 $ 122,000 $ 5,000
Calcasieu, Louisiana 14 $ 1,993,000 $ 142,357 $ 28,000
Livingston, Michigan 14 $ 2,573,000 $ 183,785 $ 20,000
DeSoto, Mississippi 14 $ 2,959,000 $ 211,357 $ 69,000
Rankin, Mississippi 14 $ 2,303,000 $ 164,500 $ 8,000
Erie, New York 14 $ 1,356,000 $ 96,857 $ 16,000
New York, New York 14 $ 5,086,000 $ 363,285 $ 102,000
Catawba, North Carolina 14 $ 1,931,000 $ 137,928 $ 18,000
Iredell, North Carolina 14 $ 2,986,000 $ 213,285 $ 41,000
Fairfield, Ohio 14 $ 2,238,000 $ 159,857 $ 41,000
Wood, Ohio 14 $ 2,071,000 $ 147,928 $ 43,000
Washington, Pennsylvania 14 $ 2,799,000 $ 199,928 $ 83,000
Williamson, Tennessee 14 $ 3,525,000 $ 251,785 $ 24,000
Norfolk, Virginia 14 $ 2,683,000 $ 191,642 $ 4,000
Richmond City, Virginia 14 $ 1,948,000 $ 139,142 $ 4,000
Anchorage, Alaska 13 $ 3,362,000 $ 258,615 $ 6,000
Larimer, Colorado 13 $ 2,948,000 $ 226,769 $ 62,000
Newton, Georgia 13 $ 2,193,000 $ 168,692 $ 41,000
Allen, Indiana 13 $ 1,596,000 $ 122,769 $ 1,000
Vanderburgh, Indiana 13 $ 1,210,000 $ 93,076 $ 9,000
Muskegon, Michigan 13 $ 1,496,000 $ 115,076 $ 13,000
Camden, Missouri 13 $ 2,772,000 $ 213,230 $ 28,000
Ulster, New York 13 $ 2,704,000 $ 208,000 $ 15,000
Pitt, North Carolina 13 $ 1,689,000 $ 129,923 $ 17,000
Mahoning, Ohio 13 $ 2,574,000 $ 198,000 $ 40,000
Comanche, Oklahoma 13 $ 2,407,000 $ 185,153 $ 2,000
Coos, Oregon 13 $ 2,053,000 $ 157,923 $ 14,000
Erie, Pennsylvania 13 $ 1,201,000 $ 92,384 $ 15,000
Orangeburg, South Carolina 13 $ 2,081,000 $ 160,076 $ 18,000
Wilson, Tennessee 13 $ 1,962,000 $ 150,923 $ 10,000
Nueces, Texas 13 $ 1,470,000 $ 113,076 $ 48,000
Weber, Utah 13 $ 2,040,000 $ 156,923 $ 24,000
Skagit, Washington 13 $ 3,481,000 $ 267,769 $ 37,000
Kanawha, West Virginia 13 $ 1,405,000 $ 108,076 $ 14,000
Racine, Wisconsin 13 $ 2,168,000 $ 166,769 $ 33,000
Pinal, Arizona 12 $ 1,723,000 $ 143,583 $ 14,000
Butte, California 12 $ 2,188,000 $ 182,333 $ 37,000
Santa Cruz, California 12 $ 4,281,000 $ 356,750 $ 69,000
Monroe, Florida 12 $ 4,044,000 $ 337,000 $ 49,000
Bibb, Georgia 12 $ 2,145,000 $ 178,750 $ 27,000
Hendricks, Indiana 12 $ 2,198,000 $ 183,166 $ 32,000
Johnson, Indiana 12 $ 1,534,000 $ 127,833 $ 25,000
Ascension, Louisiana 12 $ 2,100,000 $ 175,000 $ 27,000
Rapides, Louisiana 12 $ 1,798,000 $ 149,833 $ 11,000
St. Mary's, Maryland 12 $ 3,057,000 $ 254,750 $ 30,000
Wright, Minnesota 12 $ 2,431,000 $ 202,583 $ 37,000
Flathead, Montana 12 $ 1,993,000 $ 166,083 $ 9,000
Mercer, New Jersey 12 $ 3,127,000 $ 260,583 $ 40,000
San Juan, New Mexico 12 $ 2,166,000 $ 180,500 $ 33,000
Albany, New York 12 $ 1,758,000 $ 146,500 $ 25,000
Alamance, North Carolina 12 $ 1,872,000 $ 156,000 $ 21,000
Henderson, North Carolina 12 $ 2,011,000 $ 167,583 $ 25,000
Moore, North Carolina 12 $ 2,961,000 $ 246,750 $ 41,000
Clark, Ohio 12 $ 1,333,000 $ 111,083 $ 19,000
Greene, Ohio 12 $ 2,013,000 $ 167,750 $ 26,000
Knox, Ohio 12 $ 1,681,000 $ 140,083 $ 21,000
Jackson, Oregon 12 $ 2,324,000 $ 193,666 $ 29,000
Lane, Oregon 12 $ 2,631,000 $ 219,250 $ 20,000
Adams, Pennsylvania 12 $ 1,976,000 $ 164,666 $ 21,000
Fayette, Pennsylvania 12 $ 927,000 $ 77,250 $ 13,000
Cameron, Texas 12 $ 1,695,000 $ 141,250 $ 27,000
Cowlitz, Washington 12 $ 2,486,000 $ 207,166 $ 28,000
Washington, Wisconsin 12 $ 2,534,000 $ 211,166 $ 63,000
Lake, California 11 $ 2,188,000 $ 198,909 $ 8,000
San Francisco, California 11 $ 3,991,000 $ 362,818 $ 50,000
Nassau, Florida 11 $ 2,103,000 $ 191,181 $ 45,000
Barrow, Georgia 11 $ 1,534,000 $ 139,454 $ 37,000
Bartow, Georgia 11 $ 1,694,000 $ 154,000 $ 24,000
St. Clair, Illinois 11 $ 2,019,000 $ 183,545 $ 17,000
Winnebago, Illinois 11 $ 1,241,000 $ 112,818 $ 11,000
Clark, Indiana 11 $ 1,623,000 $ 147,545 $ 13,000
Elkhart, Indiana 11 $ 1,305,000 $ 118,636 $ 30,000
St. Joseph, Indiana 11 $ 1,151,000 $ 104,636 $ 21,000
Carroll, Maryland 11 $ 2,936,000 $ 266,909 $ 41,000
Chisago, Minnesota 11 $ 2,011,000 $ 182,818 $ 51,000
Somerset, New Jersey 11 $ 3,332,000 $ 302,909 $ 56,000
Sussex, New Jersey 11 $ 2,525,000 $ 229,545 $ 40,000
Onondaga, New York 11 $ 2,285,000 $ 207,727 $ 40,000
Rowan, North Carolina 11 $ 1,189,000 $ 108,090 $ 14,000
Florence, South Carolina 11 $ 1,405,000 $ 127,727 $ 36,000
Robertson, Tennessee 11 $ 1,870,000 $ 170,000 $ 23,000
Guadalupe, Texas 11 $ 1,769,000 $ 160,818 $ 5,000
Alexandria, Virginia 11 $ 3,717,000 $ 337,909 $ 52,000
Shelby, Alabama 10 $ 1,886,000 $ 188,600 $ 19,000
Yavapai, Arizona 10 $ 1,756,000 $ 175,600 $ 11,000
Crittenden, Arkansas 10 $ 1,370,000 $ 137,000 $ 71,000
Saline, Arkansas 10 $ 2,346,000 $ 234,600 $ 23,000
Kings, California 10 $ 2,417,000 $ 241,700 $ 53,000
Pueblo, Colorado 10 $ 1,860,000 $ 186,000 $ 28,000
Walton, Florida 10 $ 2,028,000 $ 202,800 $ 13,000
Kendall, Illinois 10 $ 1,783,000 $ 178,300 $ 11,000
Shelby, Indiana 10 $ 1,925,000 $ 192,500 $ 37,000
Tangipahoa, Louisiana 10 $ 1,588,000 $ 158,800 $ 16,000
Washington, Maryland 10 $ 1,910,000 $ 191,000 $ 33,000
Kalamazoo, Michigan 10 $ 1,278,000 $ 127,800 $ 14,000
Gallatin, Montana 10 $ 2,238,000 $ 223,800 $ 43,000
Davidson, North Carolina 10 $ 1,407,000 $ 140,700 $ 5,000
Marion, Oregon 10 $ 1,889,000 $ 188,900 $ 12,000
Washington, Oregon 10 $ 2,052,000 $ 205,200 $ 4,000
Butler, Pennsylvania 10 $ 2,185,000 $ 218,500 $ 28,000
Franklin, Pennsylvania 10 $ 1,810,000 $ 181,000 $ 25,000
Lancaster, South Carolina 10 $ 1,985,000 $ 198,500 $ 44,000
Fayette, Tennessee 10 $ 2,644,000 $ 264,400 $ 61,000
Comal, Texas 10 $ 1,676,000 $ 167,600 $ 208,000
Jefferson, Texas 10 $ 1,085,000 $ 108,500 $ 18,000
Davis, Utah 10 $ 1,978,000 $ 197,800 $ 34,000
York, Virginia 10 $ 2,358,000 $ 235,800 $ 39,000
Benton, Washington 10 $ 2,193,000 $ 219,300 $ 15,000
Yakima, Washington 10 $ 1,887,000 $ 188,700 $ 40,000
Laramie, Wyoming 10 $ 1,588,000 $ 158,800 $ 10,000
Elmore, Alabama 9 $ 1,268,000 $ 140,888 $ 29,000
Monterey, California 9 $ 2,529,000 $ 281,000 $ 31,000
Nevada, California 9 $ 2,909,000 $ 323,222 $ 25,000
Middlesex, Connecticut 9 $ 2,025,000 $ 225,000 $ 46,000
Highlands, Florida 9 $ 1,704,000 $ 189,333 $ 26,000
Sumter, Florida 9 $ 1,697,000 $ 188,555 $ 17,000
Fayette, Georgia 9 $ 1,660,000 $ 184,444 $ 39,000
Lowndes, Georgia 9 $ 1,553,000 $ 172,555 $ 15,000
Champaign, Illinois 9 $ 980,000 $ 108,888 $ 42,000
Madison, Illinois 9 $ 1,181,000 $ 131,222 $ 21,000
Sangamon, Illinois 9 $ 1,221,000 $ 135,666 $ 31,000
LaPorte, Indiana 9 $ 1,340,000 $ 148,888 $ 18,000
Porter, Indiana 9 $ 1,381,000 $ 153,444 $ 23,000
Scott, Iowa 9 $ 1,606,000 $ 178,444 $ 29,000
Bullitt, Kentucky 9 $ 1,269,000 $ 141,000 $ 38,000
Kenton, Kentucky 9 $ 1,315,000 $ 146,111 $ 21,000
York, Maine 9 $ 1,733,000 $ 192,555 $ 45,000
Queen Anne's, Maryland 9 $ 2,444,000 $ 271,555 $ 141,000
Eaton, Michigan 9 $ 1,143,000 $ 127,000 $ 64,000
St. Clair, Michigan 9 $ 1,368,000 $ 152,000 $ 12,000
Crow Wing, Minnesota 9 $ 2,142,000 $ 238,000 $ 24,000
Rice, Minnesota 9 $ 1,972,000 $ 219,111 $ 59,000
Sherburne, Minnesota 9 $ 1,576,000 $ 175,111 $ 64,000
St. Louis, Minnesota 9 $ 1,903,000 $ 211,444 $ 41,000
Stearns, Minnesota 9 $ 1,664,000 $ 184,888 $ 20,000
Harrison, Mississippi 9 $ 1,141,000 $ 126,777 $ 17,000
Boone, Missouri 9 $ 1,079,000 $ 119,888 $ 40,000
Cass, Missouri 9 $ 1,637,000 $ 181,888 $ 14,000
Pulaski, Missouri 9 $ 1,498,000 $ 166,444 $ 0
Merrimack, New Hampshire 9 $ 1,569,000 $ 174,333 $ 13,000
Strafford, New Hampshire 9 $ 1,481,000 $ 164,555 $ 17,000
Cumberland, New Jersey 9 $ 1,433,000 $ 159,222 $ 16,000
Craven, North Carolina 9 $ 1,487,000 $ 165,222 $ 30,000
Franklin, North Carolina 9 $ 1,854,000 $ 206,000 $ 12,000
Harnett, North Carolina 9 $ 1,789,000 $ 198,777 $ 52,000
Nash, North Carolina 9 $ 1,465,000 $ 162,777 $ 18,000
Randolph, North Carolina 9 $ 930,000 $ 103,333 $ 12,000
Muskingum, Ohio 9 $ 891,000 $ 99,000 $ 38,000
Ottawa, Ohio 9 $ 1,462,000 $ 162,444 $ 33,000
Beaver, Pennsylvania 9 $ 1,266,000 $ 140,666 $ 28,000
Pike, Pennsylvania 9 $ 1,531,000 $ 170,111 $ 17,000
Sumter, South Carolina 9 $ 2,246,000 $ 249,555 $ 39,000
Cumberland, Tennessee 9 $ 1,186,000 $ 131,777 $ 13,000
Tipton, Tennessee 9 $ 1,361,000 $ 151,222 $ 22,000
Brazos, Texas 9 $ 1,242,000 $ 138,000 $ 17,000
Ellis, Texas 9 $ 1,520,000 $ 168,888 $ 37,000
James City, Virginia 9 $ 3,026,000 $ 336,222 $ 51,000
Clallam, Washington 9 $ 1,988,000 $ 220,888 $ 17,000
Walworth, Wisconsin 9 $ 1,635,000 $ 181,666 $ 8,000
Dale, Alabama 8 $ 1,468,000 $ 183,500 $ 22,000
Lauderdale, Alabama 8 $ 1,253,000 $ 156,625 $ 12,000
Limestone, Alabama 8 $ 1,899,000 $ 237,375 $ 57,000
St. Clair, Alabama 8 $ 1,084,000 $ 135,500 $ 22,000
Craighead, Arkansas 8 $ 1,154,000 $ 144,250 $ 35,000
Washington, Arkansas 8 $ 1,118,000 $ 139,750 $ 24,000
El Dorado, California 8 $ 1,958,000 $ 244,750 $ 71,000
Madera, California 8 $ 1,373,000 $ 171,625 $ 33,000
Mendocino, California 8 $ 1,664,000 $ 208,000 $ 49,000
Shasta, California 8 $ 1,641,000 $ 205,125 $ 18,000
Eagle, Colorado 8 $ 2,436,000 $ 304,500 $ 72,000
Litchfield, Connecticut 8 $ 1,853,000 $ 231,625 $ 22,000
Wakulla, Florida 8 $ 1,036,000 $ 129,500 $ 4,000
Nez Perce, Idaho 8 $ 1,318,000 $ 164,750 $ 31,000
Delaware, Indiana 8 $ 841,000 $ 105,125 $ 5,000
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Mortgage Loan Application Detail Totals for Proficio Bank in 2014

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 18,000 $3,662,445,000 $203,000 $28,500,000 $31,000 $2,055,000
Home Purchase 1,846 $304,353,000 $164,000 $1,015,000 $66,000 $1,043,000
Home Improvement 29 $4,910,000 $169,000 $409,000 $42,000 $241,000

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 10,931 $2,111,401,000 $193,000 $2,470,000 $38,000 $2,055,000
Not Provided 5,719 $1,223,958,000 $214,000 $18,078,000 $24,000 $1,920,000
Black or African American 1,919 $330,362,000 $172,000 $806,000 $30,000 $499,000
Hispanic 942 $188,221,000 $199,000 $677,000 $43,000 $395,000
Asian 287 $100,874,000 $351,000 $28,500,000 $62,000 $749,000
Native Hawaiian or Other Pacific Islander 48 $11,614,000 $241,000 $485,000 $63,000 $254,000
American Indian or Alaskan Native 29 $5,278,000 $182,000 $401,000 $43,000 $255,000
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) 10,130 $2,163,576,000 $213,000 $28,500,000 $42,000 $2,055,000
FHA-insured (Federal Housing Administration) 6,109 $975,934,000 $159,000 $1,140,000 $19,000 $1,043,000
VA-guaranteed (Veterans Administration) 3,386 $801,019,000 $236,000 $18,078,000 $38,000 $749,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 250 $31,179,000 $124,000 $406,000 $43,000 $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
Application Denied By Financial Institution 10,356 $2,159,835,000 $208,000 $28,500,000 $33,000 $2,055,000
File Closed For Incompleteness 3,691 $720,955,000 $195,000 $18,078,000 $34,000 $711,000
Loan Originated 2,992 $560,262,000 $187,000 $892,000 $56,000 $1,036,000
Application Withdrawn By Applicant 2,692 $504,875,000 $187,000 $2,644,000 $15,000 $1,001,000
Application Approved But Not Accepted 144 $25,781,000 $179,000 $591,000 $41,000 $177,000
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
Credit Application Incomplete 6,106 $1,332,914,000 $218,000 $1,650,000 $38,000 $1,920,000
Credit History 3,310 $639,645,000 $193,000 $28,500,000 $15,000 $1,114,000
Collateral 254 $50,475,000 $198,000 $806,000 $83,000 $716,000
Debt-To-Income Ratio 239 $49,740,000 $208,000 $701,000 $55,000 $432,000
Other 178 $37,014,000 $207,000 $605,000 $46,000 $357,000
Employment History 43 $7,234,000 $168,000 $520,000 $38,000 $175,000
Unverifiable Information 21 $4,162,000 $198,000 $417,000 $69,000 $187,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,377,000 $198,000 $352,000 $55,000 $148,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2014 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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