Proficio Bank Mortgage Lending & HMDA Data, 2009
In 2009, Proficio Bank of Cottonwood Heights, UT reported 2,341 mortgage applications totaling $479.7 million, up 226% from 2008. The average application was for $204,919, and applicants reported an average income of $87,063. 70% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Pittsburgh, PA (184), Atlanta-Sandy Springs-Marietta, GA (164) and Baltimore-Towson, MD (101) (applications in parentheses).
| Mortgage Company & Address | Proficio Bank 6985 Union Park Center, Suite 150 Cottonwood Heights, UT 84047 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,341 |
| Total Mortgage Loan Application Amount | $479,717,000 |
| Average Mortgage Loan Application Amount | $204,919 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $87,063 |
| Highest Applicant Income | $1,146,000 |
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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 184 | $ 27,670,000 | $ 150,380 | $ 82,000 |
| Atlanta-Sandy Springs-Marietta, GA | 164 | $ 27,973,000 | $ 170,567 | $ 68,000 |
| Baltimore-Towson, MD | 101 | $ 25,370,000 | $ 251,188 | $ 75,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 94 | $ 26,133,000 | $ 278,010 | $ 97,234 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 84 | $ 19,929,000 | $ 237,250 | $ 92,428 |
| Salt Lake City, UT | 57 | $ 12,379,000 | $ 217,175 | $ 63,000 |
| Houston-Sugar Land-Baytown, TX | 52 | $ 12,039,000 | $ 231,519 | $ 130,000 |
| Burlington, NC | 50 | $ 6,525,000 | $ 130,500 | $ 52,000 |
| Columbia, SC | 50 | $ 6,201,000 | $ 124,020 | $ 47,000 |
| Dallas-Plano-Irving, TX | 45 | $ 9,995,000 | $ 222,111 | $ 123,000 |
| Chicago-Naperville-Joliet, IL | 33 | $ 9,753,000 | $ 295,545 | $ 137,000 |
| Raleigh-Cary, NC | 32 | $ 10,226,000 | $ 319,562 | $ 177,000 |
| Denver-Aurora-Broomfield, CO | 30 | $ 7,044,000 | $ 234,800 | $ 90,000 |
| Orlando-Kissimmee, FL | 30 | $ 5,976,000 | $ 199,200 | $ 88,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 5,635,000 | $ 194,310 | $ 57,000 |
| Durham-Chapel Hill, NC | 28 | $ 6,200,000 | $ 221,428 | $ 83,000 |
| Greensboro-High Point, NC | 28 | $ 4,120,000 | $ 147,142 | $ 49,000 |
| Philadelphia, PA | 26 | $ 7,109,000 | $ 273,423 | $ 77,000 |
| Charlotte-Gastonia-Concord, NC-SC | 23 | $ 4,116,000 | $ 178,956 | $ 87,739 |
| Jacksonville, FL | 23 | $ 4,032,000 | $ 175,304 | $ 81,000 |
| New York-White Plains-Wayne, NY-NJ | 22 | $ 7,897,000 | $ 358,954 | $ 93,318 |
| Portland-Vancouver-Beaverton, OR-WA | 22 | $ 4,165,000 | $ 189,318 | $ 89,000 |
| Richmond, VA | 21 | $ 3,737,000 | $ 177,952 | $ 54,000 |
| Nassau-Suffolk, NY | 20 | $ 6,225,000 | $ 311,250 | $ 109,000 |
| Ogden-Clearfield, UT | 20 | $ 4,070,000 | $ 203,500 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 3,209,000 | $ 160,450 | $ 125,000 |
| Modesto, CA | 19 | $ 2,172,000 | $ 114,315 | $ 37,000 |
| Winston-Salem, NC | 19 | $ 2,425,000 | $ 127,631 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 18 | $ 4,659,000 | $ 258,833 | $ 137,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 18 | $ 4,090,000 | $ 227,222 | $ 120,000 |
| Bethesda-Frederick-Rockville, MD | 17 | $ 5,028,000 | $ 295,764 | $ 108,000 |
| Charleston-North Charleston-Summerville, SC | 17 | $ 3,435,000 | $ 202,058 | $ 111,000 |
| Cleveland-Elyria-Mentor, OH | 16 | $ 2,879,000 | $ 179,937 | $ 71,000 |
| Fort Worth-Arlington, TX | 16 | $ 4,501,000 | $ 281,312 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 16 | $ 3,194,000 | $ 199,625 | $ 62,000 |
| Indianapolis-Carmel, IN | 15 | $ 3,313,000 | $ 220,866 | $ 126,000 |
| Edison-New Brunswick, NJ | 14 | $ 4,868,000 | $ 347,714 | $ 107,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 14 | $ 2,367,000 | $ 169,071 | $ 112,000 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 2,953,000 | $ 227,153 | $ 86,846 |
| Wilmington, DE-MD-NJ | 13 | $ 2,737,000 | $ 210,538 | $ 65,076 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,351,000 | $ 195,916 | $ 84,000 |
| Kansas City, MO-KS | 11 | $ 2,018,000 | $ 183,454 | $ 74,000 |
| San Antonio, TX | 11 | $ 2,534,000 | $ 230,363 | $ 115,000 |
| York-Hanover, PA | 11 | $ 1,853,000 | $ 168,454 | $ 52,000 |
| Columbus, OH | 10 | $ 1,772,000 | $ 177,200 | $ 76,000 |
| Newark-Union, NJ-PA | 10 | $ 2,537,000 | $ 253,700 | $ 134,900 |
| Oakland-Fremont-Hayward, CA | 10 | $ 2,806,000 | $ 280,600 | $ 94,000 |
| Reno-Sparks, NV | 10 | $ 2,116,000 | $ 211,600 | $ 52,000 |
| Austin-Round Rock, TX | 9 | $ 2,134,000 | $ 237,111 | $ 94,000 |
| Harrisburg-Carlisle, PA | 9 | $ 2,096,000 | $ 232,888 | $ 89,000 |
| Lancaster, PA | 9 | $ 1,766,000 | $ 196,222 | $ 38,000 |
| Camden, NJ | 8 | $ 1,665,000 | $ 208,125 | $ 60,000 |
| Tulsa, OK | 8 | $ 1,617,000 | $ 202,125 | $ 116,000 |
| Colorado Springs, CO | 7 | $ 1,161,000 | $ 165,857 | $ 47,000 |
| Gary, IN | 7 | $ 1,686,000 | $ 240,857 | $ 71,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 1,579,000 | $ 225,571 | $ 133,714 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,104,000 | $ 157,714 | $ 94,000 |
| Provo-Orem, UT | 7 | $ 1,397,000 | $ 199,571 | $ 49,000 |
| Birmingham-Hoover, AL | 6 | $ 1,467,000 | $ 244,500 | $ 98,000 |
| Brunswick, GA | 6 | $ 803,000 | $ 133,833 | $ 50,000 |
| Greenville-Mauldin-Easley, SC | 6 | $ 957,000 | $ 159,500 | $ 66,000 |
| Knoxville, TN | 6 | $ 1,158,000 | $ 193,000 | $ 85,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,445,000 | $ 240,833 | $ 127,500 |
| Memphis, TN-MS-AR | 6 | $ 1,497,000 | $ 249,500 | $ 104,000 |
| Mobile, AL | 6 | $ 978,000 | $ 163,000 | $ 43,000 |
| Oklahoma City, OK | 6 | $ 1,214,000 | $ 202,333 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 2,548,000 | $ 424,666 | $ 169,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 1,032,000 | $ 206,400 | $ 112,000 |
| Bradenton-Sarasota-Venice, FL | 5 | $ 1,261,000 | $ 252,200 | $ 152,000 |
| Chattanooga, TN-GA | 5 | $ 954,000 | $ 190,800 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,244,000 | $ 248,800 | $ 143,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,130,000 | $ 226,000 | $ 90,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 1,923,000 | $ 384,600 | $ 137,000 |
| Trenton-Ewing, NJ | 5 | $ 1,408,000 | $ 281,600 | $ 118,000 |
| Akron, OH | 4 | $ 775,000 | $ 193,750 | $ 372,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,166,000 | $ 291,500 | $ 76,250 |
| Anderson, SC | 4 | $ 457,000 | $ 114,250 | $ 51,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,673,000 | $ 418,250 | $ 183,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 465,000 | $ 116,250 | $ 85,000 |
| Dayton, OH | 4 | $ 629,000 | $ 157,250 | $ 75,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 626,000 | $ 156,500 | $ 52,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 799,000 | $ 199,750 | $ 41,250 |
| Lafayette, LA | 4 | $ 546,000 | $ 136,500 | $ 62,000 |
| Merced, CA | 4 | $ 432,000 | $ 108,000 | $ 44,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 401,000 | $ 100,250 | $ 40,000 |
| Port St. Lucie, FL | 4 | $ 500,000 | $ 125,000 | $ 62,000 |
| Redding, CA | 4 | $ 874,000 | $ 218,500 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,375,000 | $ 343,750 | $ 125,000 |
| Worcester, MA | 4 | $ 1,124,000 | $ 281,000 | $ 140,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 690,000 | $ 172,500 | $ 51,000 |
| Asheville, NC | 3 | $ 546,000 | $ 182,000 | $ 146,000 |
| Boulder, CO | 3 | $ 700,000 | $ 233,333 | $ 71,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 885,000 | $ 295,000 | $ 211,000 |
| Erie, PA | 3 | $ 590,000 | $ 196,666 | $ 84,000 |
| Fayetteville, NC | 3 | $ 388,000 | $ 129,333 | $ 67,000 |
| Florence, SC | 3 | $ 554,000 | $ 184,666 | $ 43,000 |
| Fort Collins-Loveland, CO | 3 | $ 575,000 | $ 191,666 | $ 56,000 |
| Huntsville, AL | 3 | $ 760,000 | $ 253,333 | $ 66,000 |
| Jackson, MS | 3 | $ 812,000 | $ 270,666 | $ 136,000 |
| Kalamazoo-Portage, MI | 3 | $ 552,000 | $ 184,000 | $ 41,000 |
| Las Cruces, NM | 3 | $ 376,000 | $ 125,333 | $ 51,000 |
| Lexington-Fayette, KY | 3 | $ 623,000 | $ 207,666 | $ 116,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,050,000 | $ 350,000 | $ 95,000 |
| Manchester-Nashua, NH | 3 | $ 658,000 | $ 219,333 | $ 113,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 767,000 | $ 255,666 | $ 110,000 |
| Midland, TX | 3 | $ 451,000 | $ 150,333 | $ 91,000 |
| Morgantown, WV | 3 | $ 828,000 | $ 276,000 | $ 130,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 714,000 | $ 238,000 | $ 179,000 |
| Peoria, IL | 3 | $ 430,000 | $ 143,333 | $ 84,000 |
| Reading, PA | 3 | $ 459,000 | $ 153,000 | $ 45,000 |
| Rocky Mount, NC | 3 | $ 623,000 | $ 207,666 | $ 97,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,859,000 | $ 619,666 | $ 575,000 |
| Savannah, GA | 3 | $ 516,000 | $ 172,000 | $ 56,000 |
| St. Louis, MO-IL | 3 | $ 596,000 | $ 198,666 | $ 112,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 626,000 | $ 208,666 | $ 70,000 |
| Wilmington, NC | 3 | $ 394,000 | $ 131,333 | $ 87,000 |
| Winchester, VA-WV | 3 | $ 813,000 | $ 271,000 | $ 101,000 |
| Altoona, PA | 2 | $ 138,000 | $ 69,000 | $ 24,000 |
| Amarillo, TX | 2 | $ 379,000 | $ 189,500 | $ 128,000 |
| Baton Rouge, LA | 2 | $ 402,000 | $ 201,000 | $ 74,000 |
| Burlington-South Burlington, VT | 2 | $ 261,000 | $ 130,500 | $ 10,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 186,000 | $ 93,000 | $ 38,000 |
| Eugene-Springfield, OR | 2 | $ 420,000 | $ 210,000 | $ 155,000 |
| Greenville, NC | 2 | $ 133,000 | $ 66,500 | $ 34,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 299,000 | $ 149,500 | $ 99,000 |
| Johnson City, TN | 2 | $ 232,000 | $ 116,000 | $ 45,000 |
| Johnstown, PA | 2 | $ 165,000 | $ 82,500 | $ 42,000 |
| Lakeland-Winter Haven, FL | 2 | $ 217,000 | $ 108,500 | $ 41,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 338,000 | $ 169,000 | $ 123,000 |
| Morristown, TN | 2 | $ 276,000 | $ 138,000 | $ 67,000 |
| New Haven-Milford, CT | 2 | $ 463,000 | $ 231,500 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 408,000 | $ 204,000 | $ 62,000 |
| Peabody, MA | 2 | $ 453,000 | $ 226,500 | $ 39,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 444,000 | $ 222,000 | $ 106,000 |
| Rochester, MN | 2 | $ 381,000 | $ 190,500 | $ 109,000 |
| Salem, OR | 2 | $ 448,000 | $ 224,000 | $ 73,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 598,000 | $ 299,000 | $ 107,000 |
| State College, PA | 2 | $ 472,000 | $ 236,000 | $ 24,000 |
| Sumter, SC | 2 | $ 109,000 | $ 54,500 | $ 34,000 |
| Tallahassee, FL | 2 | $ 359,000 | $ 179,500 | $ 130,000 |
| Vallejo-Fairfield, CA | 2 | $ 674,000 | $ 337,000 | $ 104,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 149,000 | $ 149,000 | $ 87,000 |
| Athens-Clarke County, GA | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Bend, OR | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Binghamton, NY | 1 | $ 118,000 | $ 118,000 | $ 91,000 |
| Bloomington-Normal, IL | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 174,000 | $ 174,000 | $ 93,000 |
| Canton-Massillon, OH | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 153,000 | $ 153,000 | $ 139,000 |
| College Station-Bryan, TX | 1 | $ 108,000 | $ 108,000 | $ 77,000 |
| Corpus Christi, TX | 1 | $ 216,000 | $ 216,000 | $ 122,000 |
| Cumberland, MD-WV | 1 | $ 241,000 | $ 241,000 | $ 169,000 |
| Dalton, GA | 1 | $ 85,000 | $ 85,000 | $ 123,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 224,000 | $ 224,000 | $ 182,000 |
| Dothan, AL | 1 | $ 138,000 | $ 138,000 | $ 68,000 |
| Duluth, MN-WI | 1 | $ 233,000 | $ 233,000 | $ 110,000 |
| Elizabethtown, KY | 1 | $ 337,000 | $ 337,000 | $ 212,000 |
| Evansville, IN-KY | 1 | $ 257,000 | $ 257,000 | $ 206,000 |
| Flint, MI | 1 | $ 269,000 | $ 269,000 | $ 120,000 |
| Fort Smith, AR-OK | 1 | $ 101,000 | $ 101,000 | $ 66,000 |
| Gainesville, GA | 1 | $ 103,000 | $ 103,000 | $ 39,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Idaho Falls, ID | 1 | $ 318,000 | $ 318,000 | $ 120,000 |
| Jefferson City, MO | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| Kankakee-Bradley, IL | 1 | $ 153,000 | $ 153,000 | $ 90,000 |
| Lebanon, PA | 1 | $ 197,000 | $ 197,000 | $ 75,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Logan, UT-ID | 1 | $ 250,000 | $ 250,000 | $ 131,000 |
| Lubbock, TX | 1 | $ 127,000 | $ 127,000 | $ 129,000 |
| Mankato-North Mankato, MN | 1 | $ 116,000 | $ 116,000 | $ 99,000 |
| Mansfield, OH | 1 | $ 223,000 | $ 223,000 | $ 96,000 |
| Medford, OR | 1 | $ 358,000 | $ 358,000 | $ 100,000 |
| Michigan City-La Porte, IN | 1 | $ 210,000 | $ 210,000 | $ 51,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 309,000 | $ 309,000 | $ 100,000 |
| Muncie, IN | 1 | $ 189,000 | $ 189,000 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Niles-Benton Harbor, MI | 1 | $ 228,000 | $ 228,000 | $ 85,000 |
| Ocean City, NJ | 1 | $ 166,000 | $ 166,000 | $ 44,000 |
| Odessa, TX | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Owensboro, KY | 1 | $ 252,000 | $ 252,000 | $ 100,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 417,000 | $ 417,000 | $ 287,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 70,000 | $ 70,000 | $ 28,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 229,000 | $ 229,000 | $ 127,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 281,000 | $ 281,000 | $ 70,000 |
| Prescott, AZ | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 186,000 | $ 186,000 | $ 52,000 |
| Pueblo, CO | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Punta Gorda, FL | 1 | $ 142,000 | $ 142,000 | $ 75,000 |
| Racine, WI | 1 | $ 230,000 | $ 230,000 | $ 153,000 |
| Rapid City, SD | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Roanoke, VA | 1 | $ 363,000 | $ 363,000 | $ 185,000 |
| Rochester, NY | 1 | $ 33,000 | $ 33,000 | $ 88,000 |
| Rockford, IL | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Rockingham County-Strafford County, NH | 1 | $ 292,000 | $ 292,000 | $ 88,000 |
| Rome, GA | 1 | $ 141,000 | $ 141,000 | $ 56,000 |
| Salisbury, MD | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 625,000 | $ 625,000 | $ 192,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 176,000 | $ 176,000 | $ 116,000 |
| St. George, UT | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Stockton, CA | 1 | $ 88,000 | $ 88,000 | $ 34,000 |
| Tacoma, WA | 1 | $ 75,000 | $ 75,000 | $ 119,000 |
| Terre Haute, IN | 1 | $ 88,000 | $ 88,000 | $ 65,000 |
| Toledo, OH | 1 | $ 182,000 | $ 182,000 | $ 85,000 |
| Tucson, AZ | 1 | $ 130,000 | $ 130,000 | $ 110,000 |
| Tyler, TX | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Warner Robins, GA | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Wheeling, WV-OH | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Wichita, KS | 1 | $ 207,000 | $ 207,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2009
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 | 1,252 | $257,753,000 | $205,000 | $1,500,000 | $95,000 | $1,146,000 |
| Refinancing | 1,088 | $221,911,000 | $203,000 | $1,000,000 | $78,000 | $1,000,000 |
| Home Improvement | 1 | $53,000 | $53,000 | $53,000 | $11,000 | $11,000 |
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 | 1,208 | $251,695,000 | $208,000 | $1,500,000 | $88,000 | $1,000,000 |
| Not Provided | 620 | $136,231,000 | $219,000 | $750,000 | $108,000 | $1,146,000 |
| Black or African American | 327 | $56,488,000 | $172,000 | $617,000 | $53,000 | $199,000 |
| Hispanic | 128 | $22,068,000 | $172,000 | $570,000 | $61,000 | $264,000 |
| Asian | 49 | $11,454,000 | $233,000 | $608,000 | $89,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $846,000 | $169,000 | $264,000 | $46,000 | $91,000 |
| American Indian or Alaskan Native | 4 | $935,000 | $233,000 | $280,000 | $80,000 | $147,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,197 | $213,721,000 | $178,000 | $617,000 | $58,000 | $300,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,038 | $248,295,000 | $239,000 | $1,500,000 | $122,000 | $1,146,000 |
| VA-guaranteed (Veterans Administration) | 55 | $11,198,000 | $203,000 | $455,000 | $64,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $6,503,000 | $127,000 | $252,000 | $48,000 | $101,000 |
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 | 1,649 | $339,603,000 | $205,000 | $1,500,000 | $88,000 | $1,000,000 |
| Application Denied By Financial Institution | 456 | $90,422,000 | $198,000 | $624,000 | $75,000 | $1,146,000 |
| Application Withdrawn By Applicant | 180 | $37,895,000 | $210,000 | $1,000,000 | $101,000 | $1,000,000 |
| Application Approved But Not Accepted | 42 | $8,831,000 | $210,000 | $552,000 | $77,000 | $388,000 |
| File Closed For Incompleteness | 13 | $2,753,000 | $211,000 | $549,000 | $134,000 | $1,000,000 |
| Loan Purchased By The Institution | 1 | $213,000 | $213,000 | $213,000 | $91,000 | $91,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 160 | $32,618,000 | $203,000 | $579,000 | $89,000 | $1,146,000 |
| Debt-To-Income Ratio | 97 | $21,650,000 | $223,000 | $624,000 | $62,000 | $215,000 |
| Credit History | 67 | $10,562,000 | $157,000 | $518,000 | $55,000 | $267,000 |
| Credit Application Incomplete | 62 | $12,220,000 | $197,000 | $617,000 | $71,000 | $309,000 |
| Other | 34 | $7,292,000 | $214,000 | $560,000 | $72,000 | $243,000 |
| Unverifiable Information | 17 | $2,760,000 | $162,000 | $378,000 | $121,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,242,000 | $155,000 | $235,000 | $58,000 | $97,000 |
| Employment History | 7 | $1,307,000 | $186,000 | $409,000 | $54,000 | $98,000 |
| Mortgage Insurance Denied | 4 | $771,000 | $192,000 | $335,000 | $71,000 | $129,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2009 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,
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For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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