Proficio Bank Mortgage Lending & HMDA Data, 2010
In 2010, Proficio Bank of Cottonwood Heights, UT reported 2,194 mortgage applications totaling $435.2 million, down 6% from 2009. The average application was for $198,347, and applicants reported an average income of $70,104. 63% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (244), Atlanta-Sandy Springs-Marietta, GA (170) and Pittsburgh, PA (139) (applications in parentheses).
| Mortgage Company & Address | Proficio Bank 6985 Union Park Center, Suite 150 Cottonwood Heights, UT 84047 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,194 |
| Total Mortgage Loan Application Amount | $435,174,000 |
| Average Mortgage Loan Application Amount | $198,347 |
| Highest Mortgage Loan Application Amount | $872,000 |
| Average Applicant Income | $70,104 |
| Highest Applicant Income | $1,430,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 244 | $ 66,181,000 | $ 271,233 | $ 82,872 |
| Atlanta-Sandy Springs-Marietta, GA | 170 | $ 25,984,000 | $ 152,847 | $ 55,000 |
| Pittsburgh, PA | 139 | $ 20,768,000 | $ 149,410 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 91 | $ 13,288,000 | $ 146,021 | $ 53,000 |
| Baltimore-Towson, MD | 87 | $ 21,415,000 | $ 246,149 | $ 79,000 |
| Modesto, CA | 67 | $ 7,770,000 | $ 115,970 | $ 35,000 |
| New York-White Plains-Wayne, NY-NJ | 65 | $ 21,979,000 | $ 338,138 | $ 96,369 |
| Edison-New Brunswick, NJ | 64 | $ 17,475,000 | $ 273,046 | $ 88,000 |
| Philadelphia, PA | 57 | $ 12,406,000 | $ 217,649 | $ 77,000 |
| Newark-Union, NJ-PA | 54 | $ 13,827,000 | $ 256,055 | $ 83,277 |
| Orlando-Kissimmee-Sanford, FL | 49 | $ 6,405,000 | $ 130,714 | $ 59,000 |
| Camden, NJ | 38 | $ 8,067,000 | $ 212,289 | $ 90,000 |
| Columbia, SC | 31 | $ 4,405,000 | $ 142,096 | $ 55,000 |
| Nassau-Suffolk, NY | 31 | $ 9,101,000 | $ 293,580 | $ 106,000 |
| Lakeland-Winter Haven, FL | 30 | $ 4,317,000 | $ 143,900 | $ 66,000 |
| Bethesda-Rockville-Frederick, MD | 29 | $ 7,593,000 | $ 261,827 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 3,351,000 | $ 139,625 | $ 47,000 |
| Cincinnati-Middletown, OH-KY-IN | 19 | $ 3,418,000 | $ 179,894 | $ 76,210 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 6,009,000 | $ 316,263 | $ 84,000 |
| Reading, PA | 17 | $ 2,439,000 | $ 143,470 | $ 52,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 2,811,000 | $ 165,352 | $ 104,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 3,410,000 | $ 213,125 | $ 48,000 |
| Richmond, VA | 16 | $ 3,040,000 | $ 190,000 | $ 65,000 |
| Chicago-Joliet-Naperville, IL | 14 | $ 3,340,000 | $ 238,571 | $ 89,000 |
| Columbus, OH | 13 | $ 2,060,000 | $ 158,461 | $ 77,000 |
| Denver-Aurora-Broomfield, CO | 13 | $ 3,128,000 | $ 240,615 | $ 92,000 |
| Lexington-Fayette, KY | 13 | $ 1,992,000 | $ 153,230 | $ 48,000 |
| Merced, CA | 12 | $ 1,205,000 | $ 100,416 | $ 27,000 |
| Wilmington, DE-MD-NJ | 12 | $ 2,672,000 | $ 222,666 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 11 | $ 2,334,000 | $ 212,181 | $ 54,363 |
| Houston-Sugar Land-Baytown, TX | 11 | $ 1,608,000 | $ 146,181 | $ 52,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,415,000 | $ 219,545 | $ 46,090 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 10 | $ 2,107,000 | $ 210,700 | $ 59,000 |
| Dallas-Plano-Irving, TX | 10 | $ 2,425,000 | $ 242,500 | $ 112,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,920,000 | $ 192,000 | $ 44,000 |
| Fayetteville, NC | 10 | $ 1,570,000 | $ 157,000 | $ 62,000 |
| Knoxville, TN | 10 | $ 1,621,000 | $ 162,100 | $ 68,000 |
| Louisville-Jefferson County, KY-IN | 10 | $ 1,664,000 | $ 166,400 | $ 56,600 |
| Raleigh-Cary, NC | 10 | $ 1,920,000 | $ 192,000 | $ 108,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 10 | $ 1,645,000 | $ 164,500 | $ 52,000 |
| Chattanooga, TN-GA | 9 | $ 1,566,000 | $ 174,000 | $ 92,666 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 1,763,000 | $ 195,888 | $ 63,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 1,736,000 | $ 192,888 | $ 57,000 |
| Lancaster, PA | 9 | $ 1,382,000 | $ 153,555 | $ 70,000 |
| York-Hanover, PA | 9 | $ 1,886,000 | $ 209,555 | $ 90,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,867,000 | $ 233,375 | $ 65,000 |
| Scranton--Wilkes-Barre, PA | 8 | $ 1,170,000 | $ 146,250 | $ 55,000 |
| Stockton, CA | 8 | $ 1,130,000 | $ 141,250 | $ 40,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 1,564,000 | $ 223,428 | $ 101,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 2,876,000 | $ 410,857 | $ 111,000 |
| Morristown, TN | 7 | $ 1,080,000 | $ 154,285 | $ 37,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 1,396,000 | $ 199,428 | $ 48,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 657,000 | $ 109,500 | $ 56,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,493,000 | $ 248,833 | $ 82,000 |
| Indianapolis-Carmel, IN | 6 | $ 927,000 | $ 154,500 | $ 75,000 |
| New Orleans-Metairie-Kenner, LA | 6 | $ 1,155,000 | $ 192,500 | $ 59,000 |
| Oakland-Fremont-Hayward, CA | 6 | $ 1,429,000 | $ 238,166 | $ 79,000 |
| Worcester, MA | 6 | $ 1,486,000 | $ 247,666 | $ 94,000 |
| Akron, OH | 5 | $ 983,000 | $ 196,600 | $ 64,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 1,242,000 | $ 248,400 | $ 130,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 919,000 | $ 183,800 | $ 91,200 |
| Birmingham-Hoover, AL | 5 | $ 1,243,000 | $ 248,600 | $ 110,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 972,000 | $ 194,400 | $ 108,000 |
| Charleston-North Charleston-Summerville, SC | 5 | $ 647,000 | $ 129,400 | $ 36,000 |
| Dayton, OH | 5 | $ 552,000 | $ 110,400 | $ 32,000 |
| Fort Worth-Arlington, TX | 5 | $ 792,000 | $ 158,400 | $ 86,000 |
| Hagerstown-Martinsburg, MD-WV | 5 | $ 1,046,000 | $ 209,200 | $ 56,000 |
| Kansas City, MO-KS | 5 | $ 726,000 | $ 145,200 | $ 64,200 |
| Las Vegas-Paradise, NV | 5 | $ 752,000 | $ 150,400 | $ 42,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 1,530,000 | $ 306,000 | $ 169,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 805,000 | $ 161,000 | $ 56,000 |
| Phoenix-Mesa-Glendale, AZ | 5 | $ 999,000 | $ 199,800 | $ 136,000 |
| Rochester, NY | 5 | $ 690,000 | $ 138,000 | $ 67,000 |
| Trenton-Ewing, NJ | 5 | $ 1,276,000 | $ 255,200 | $ 84,000 |
| Boston-Quincy, MA | 4 | $ 1,328,000 | $ 332,000 | $ 96,000 |
| Burlington, NC | 4 | $ 400,000 | $ 100,000 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 420,000 | $ 105,000 | $ 41,000 |
| Cleveland-Elyria-Mentor, OH | 4 | $ 471,000 | $ 117,750 | $ 50,000 |
| Fresno, CA | 4 | $ 461,000 | $ 115,250 | $ 39,000 |
| Jacksonville, NC | 4 | $ 597,000 | $ 149,250 | $ 59,000 |
| Naples-Marco Island, FL | 4 | $ 1,023,000 | $ 255,750 | $ 117,000 |
| Oklahoma City, OK | 4 | $ 339,000 | $ 84,750 | $ 44,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 892,000 | $ 223,000 | $ 96,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 1,236,000 | $ 309,000 | $ 98,500 |
| Salt Lake City, UT | 4 | $ 708,000 | $ 177,000 | $ 73,000 |
| St. Louis, MO-IL | 4 | $ 571,000 | $ 142,750 | $ 64,500 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 651,000 | $ 162,750 | $ 62,000 |
| Clarksville, TN-KY | 3 | $ 395,000 | $ 131,666 | $ 65,333 |
| Gainesville, GA | 3 | $ 442,000 | $ 147,333 | $ 52,000 |
| Honolulu, HI | 3 | $ 1,188,000 | $ 396,000 | $ 115,000 |
| Jacksonville, FL | 3 | $ 450,000 | $ 150,000 | $ 65,000 |
| Kingston, NY | 3 | $ 617,000 | $ 205,666 | $ 35,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 888,000 | $ 296,000 | $ 87,000 |
| Lynchburg, VA | 3 | $ 326,000 | $ 108,666 | $ 43,000 |
| Morgantown, WV | 3 | $ 550,000 | $ 183,333 | $ 68,000 |
| New Haven-Milford, CT | 3 | $ 969,000 | $ 323,000 | $ 74,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 674,000 | $ 224,666 | $ 51,000 |
| Peoria, IL | 3 | $ 381,000 | $ 127,000 | $ 28,000 |
| Rockingham County-Strafford County, NH | 3 | $ 988,000 | $ 329,333 | $ 98,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,204,000 | $ 401,333 | $ 110,000 |
| Savannah, GA | 3 | $ 569,000 | $ 189,666 | $ 76,000 |
| Syracuse, NY | 3 | $ 601,000 | $ 200,333 | $ 104,000 |
| Albuquerque, NM | 2 | $ 325,000 | $ 162,500 | $ 38,000 |
| Baton Rouge, LA | 2 | $ 308,000 | $ 154,000 | $ 69,000 |
| Binghamton, NY | 2 | $ 301,000 | $ 150,500 | $ 114,000 |
| Boulder, CO | 2 | $ 584,000 | $ 292,000 | $ 114,000 |
| Bowling Green, KY | 2 | $ 432,000 | $ 216,000 | $ 78,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 762,000 | $ 381,000 | $ 77,000 |
| Charlottesville, VA | 2 | $ 490,000 | $ 245,000 | $ 76,000 |
| Colorado Springs, CO | 2 | $ 483,000 | $ 241,500 | $ 40,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 415,000 | $ 207,500 | $ 0 |
| Greenville-Mauldin-Easley, SC | 2 | $ 227,000 | $ 113,500 | $ 43,000 |
| Johnstown, PA | 2 | $ 189,000 | $ 94,500 | $ 68,000 |
| Lafayette, LA | 2 | $ 320,000 | $ 160,000 | $ 41,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 377,000 | $ 188,500 | $ 63,000 |
| Memphis, TN-MS-AR | 2 | $ 207,000 | $ 103,500 | $ 61,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 383,000 | $ 191,500 | $ 48,000 |
| Niles-Benton Harbor, MI | 2 | $ 324,000 | $ 162,000 | $ 70,000 |
| Ocala, FL | 2 | $ 180,000 | $ 90,000 | $ 30,000 |
| Owensboro, KY | 2 | $ 340,000 | $ 170,000 | $ 98,000 |
| Peabody, MA | 2 | $ 421,000 | $ 210,500 | $ 83,000 |
| Salisbury, MD | 2 | $ 319,000 | $ 159,500 | $ 65,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 779,000 | $ 389,500 | $ 110,000 |
| Spartanburg, SC | 2 | $ 652,000 | $ 326,000 | $ 72,000 |
| Waco, TX | 2 | $ 133,000 | $ 66,500 | $ 54,000 |
| Williamsport, PA | 2 | $ 515,000 | $ 257,500 | $ 72,000 |
| Altoona, PA | 1 | $ 108,000 | $ 108,000 | $ 74,000 |
| Anchorage, AK | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Anderson, SC | 1 | $ 92,000 | $ 92,000 | $ 30,000 |
| Auburn-Opelika, AL | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 393,000 | $ 393,000 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Bloomington-Normal, IL | 1 | $ 131,000 | $ 131,000 | $ 79,000 |
| Cheyenne, WY | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Columbus, IN | 1 | $ 117,000 | $ 117,000 | $ 51,000 |
| Danville, IL | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Dover, DE | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Elkhart-Goshen, IN | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Elmira, NY | 1 | $ 82,000 | $ 82,000 | $ 48,000 |
| Eugene-Springfield, OR | 1 | $ 134,000 | $ 134,000 | $ 98,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Grand Junction, CO | 1 | $ 138,000 | $ 138,000 | $ 50,000 |
| Great Falls, MT | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 328,000 | $ 328,000 | $ 101,000 |
| Greenville, NC | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 56,000 | $ 56,000 | $ 28,000 |
| Hattiesburg, MS | 1 | $ 43,000 | $ 43,000 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 173,000 | $ 173,000 | $ 54,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Jackson, MS | 1 | $ 90,000 | $ 90,000 | $ 21,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Kokomo, IN | 1 | $ 129,000 | $ 129,000 | $ 113,000 |
| Lawrence, KS | 1 | $ 186,000 | $ 186,000 | $ 57,000 |
| Lebanon, PA | 1 | $ 123,000 | $ 123,000 | $ 53,000 |
| Lubbock, TX | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Manchester-Nashua, NH | 1 | $ 259,000 | $ 259,000 | $ 98,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 173,000 | $ 173,000 | $ 47,000 |
| Michigan City-La Porte, IN | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 297,000 | $ 297,000 | $ 111,000 |
| Mobile, AL | 1 | $ 123,000 | $ 123,000 | $ 37,000 |
| Norwich-New London, CT | 1 | $ 183,000 | $ 183,000 | $ 59,000 |
| Ogden-Clearfield, UT | 1 | $ 135,000 | $ 135,000 | $ 28,000 |
| Pascagoula, MS | 1 | $ 172,000 | $ 172,000 | $ 86,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Prescott, AZ | 1 | $ 127,000 | $ 127,000 | $ 33,000 |
| Provo-Orem, UT | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Roanoke, VA | 1 | $ 200,000 | $ 200,000 | $ 36,000 |
| Rocky Mount, NC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rome, GA | 1 | $ 117,000 | $ 117,000 | $ 51,000 |
| Salem, OR | 1 | $ 220,000 | $ 220,000 | $ 49,000 |
| Salinas, CA | 1 | $ 156,000 | $ 156,000 | $ 53,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Springfield, MA | 1 | $ 188,000 | $ 188,000 | $ 89,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| Toledo, OH | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Tulsa, OK | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Tuscaloosa, AL | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Valdosta, GA | 1 | $ 113,000 | $ 113,000 | $ 88,000 |
| Wausau, WI | 1 | $ 96,000 | $ 96,000 | $ 23,000 |
| Wilmington, NC | 1 | $ 180,000 | $ 180,000 | $ 68,000 |
| Winchester, VA-WV | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,120 | $239,835,000 | $214,000 | $840,000 | $75,000 | $1,430,000 |
| Home Purchase | 1,074 | $195,339,000 | $181,000 | $872,000 | $65,000 | $556,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,262 | $259,433,000 | $205,000 | $872,000 | $79,000 | $1,430,000 |
| Black or African American | 398 | $72,170,000 | $181,000 | $617,000 | $56,000 | $186,000 |
| Hispanic | 272 | $43,740,000 | $160,000 | $632,000 | $46,000 | $206,000 |
| Not Provided | 180 | $38,758,000 | $215,000 | $705,000 | $77,000 | $230,000 |
| Asian | 72 | $18,920,000 | $262,000 | $730,000 | $85,000 | $325,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,593,000 | $227,000 | $387,000 | $78,000 | $211,000 |
| American Indian or Alaskan Native | 3 | $560,000 | $186,000 | $227,000 | $47,000 | $51,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,347 | $253,036,000 | $187,000 | $872,000 | $58,000 | $506,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 681 | $149,937,000 | $220,000 | $840,000 | $101,000 | $1,430,000 |
| VA-guaranteed (Veterans Administration) | 137 | $28,714,000 | $209,000 | $625,000 | $48,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,487,000 | $120,000 | $228,000 | $41,000 | $100,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,374 | $275,387,000 | $200,000 | $872,000 | $74,000 | $1,430,000 |
| Application Denied By Financial Institution | 583 | $113,194,000 | $194,000 | $730,000 | $65,000 | $556,000 |
| Application Withdrawn By Applicant | 118 | $22,579,000 | $191,000 | $494,000 | $57,000 | $226,000 |
| Application Approved But Not Accepted | 111 | $22,805,000 | $205,000 | $730,000 | $68,000 | $506,000 |
| File Closed For Incompleteness | 8 | $1,209,000 | $151,000 | $243,000 | $42,000 | $96,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other | 215 | $43,505,000 | $202,000 | $730,000 | $69,000 | $556,000 |
| Debt-To-Income Ratio | 90 | $18,536,000 | $205,000 | $500,000 | $59,000 | $277,000 |
| Credit History | 74 | $14,136,000 | $191,000 | $650,000 | $56,000 | $167,000 |
| Collateral | 66 | $11,852,000 | $179,000 | $385,000 | $73,000 | $490,000 |
| Unverifiable Information | 51 | $10,214,000 | $200,000 | $452,000 | $80,000 | $424,000 |
| Credit Application Incomplete | 34 | $5,923,000 | $174,000 | $378,000 | $48,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $2,012,000 | $143,000 | $297,000 | $57,000 | $125,000 |
| Employment History | 11 | $1,879,000 | $170,000 | $385,000 | $70,000 | $300,000 |
| Mortgage Insurance Denied | 1 | $342,000 | $342,000 | $342,000 | $79,000 | $79,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Proficio Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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