Proficio Bank Mortgage Lending & HMDA Data, 2011
In 2011, Proficio Bank of Cottonwood Heights, UT reported 1,666 mortgage applications totaling $326.0 million, down 24% from 2010. The average application was for $195,678, and applicants reported an average income of $81,162. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (149), Atlanta-Sandy Springs-Marietta, GA (78) and Washington-Arlington-Alexandria, DC-VA-MD-WV (77) (applications in parentheses).
| Mortgage Company & Address | Proficio Bank 6985 Union Park Center, Suite 150 Cottonwood Heights, UT 84047 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,666 |
| Total Mortgage Loan Application Amount | $326,001,000 |
| Average Mortgage Loan Application Amount | $195,678 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $81,162 |
| Highest Applicant Income | $718,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 149 | $ 26,452,000 | $ 177,530 | $ 102,000 |
| Atlanta-Sandy Springs-Marietta, GA | 78 | $ 12,996,000 | $ 166,615 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 77 | $ 24,024,000 | $ 312,000 | $ 105,480 |
| Pittsburgh, PA | 60 | $ 10,182,000 | $ 169,700 | $ 76,000 |
| Chicago-Joliet-Naperville, IL | 57 | $ 9,159,000 | $ 160,684 | $ 68,000 |
| Orlando-Kissimmee-Sanford, FL | 53 | $ 7,536,000 | $ 142,188 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 51 | $ 16,516,000 | $ 323,843 | $ 108,901 |
| Baltimore-Towson, MD | 45 | $ 11,340,000 | $ 252,000 | $ 99,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 44 | $ 9,082,000 | $ 206,409 | $ 63,000 |
| Philadelphia, PA | 37 | $ 8,282,000 | $ 223,837 | $ 102,000 |
| Dallas-Plano-Irving, TX | 30 | $ 6,430,000 | $ 214,333 | $ 113,000 |
| Tampa-St. Petersburg-Clearwater, FL | 27 | $ 3,756,000 | $ 139,111 | $ 55,000 |
| Denver-Aurora-Broomfield, CO | 25 | $ 5,559,000 | $ 222,360 | $ 82,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 4,678,000 | $ 194,916 | $ 72,000 |
| Nassau-Suffolk, NY | 24 | $ 7,619,000 | $ 317,458 | $ 98,000 |
| Reading, PA | 20 | $ 3,306,000 | $ 165,300 | $ 88,000 |
| Edison-New Brunswick, NJ | 16 | $ 4,272,000 | $ 267,000 | $ 101,000 |
| Fayetteville, NC | 16 | $ 2,375,000 | $ 148,437 | $ 51,000 |
| Lakeland-Winter Haven, FL | 16 | $ 1,784,000 | $ 111,500 | $ 61,000 |
| Modesto, CA | 15 | $ 1,607,000 | $ 107,133 | $ 37,000 |
| Newark-Union, NJ-PA | 15 | $ 3,027,000 | $ 201,800 | $ 76,600 |
| Fort Worth-Arlington, TX | 13 | $ 2,783,000 | $ 214,076 | $ 140,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 12 | $ 2,938,000 | $ 244,833 | $ 74,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 11 | $ 1,467,000 | $ 133,363 | $ 63,000 |
| Richmond, VA | 11 | $ 2,080,000 | $ 189,090 | $ 58,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 2,007,000 | $ 182,454 | $ 69,000 |
| Columbus, OH | 10 | $ 1,972,000 | $ 197,200 | $ 56,000 |
| Kingsport-Bristol-Bristol, TN-VA | 10 | $ 1,110,000 | $ 111,000 | $ 41,400 |
| Morristown, TN | 10 | $ 1,796,000 | $ 179,600 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 2,019,000 | $ 201,900 | $ 87,000 |
| Boston-Quincy, MA | 9 | $ 2,561,000 | $ 284,555 | $ 119,000 |
| Camden, NJ | 9 | $ 1,496,000 | $ 166,222 | $ 89,000 |
| Knoxville, TN | 9 | $ 873,000 | $ 97,000 | $ 87,000 |
| Lancaster, PA | 9 | $ 1,671,000 | $ 185,666 | $ 65,000 |
| Wilmington, DE-MD-NJ | 9 | $ 2,129,000 | $ 236,555 | $ 101,555 |
| Bethesda-Rockville-Frederick, MD | 8 | $ 3,023,000 | $ 377,875 | $ 138,000 |
| North Port-Bradenton-Sarasota, FL | 8 | $ 1,220,000 | $ 152,500 | $ 66,000 |
| Oklahoma City, OK | 8 | $ 1,392,000 | $ 174,000 | $ 63,000 |
| Worcester, MA | 8 | $ 1,613,000 | $ 201,625 | $ 86,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,055,000 | $ 150,714 | $ 54,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,324,000 | $ 189,142 | $ 75,285 |
| Peabody, MA | 7 | $ 1,713,000 | $ 244,714 | $ 243,000 |
| Providence-New Bedford-Fall River, RI-MA | 7 | $ 1,616,000 | $ 230,857 | $ 66,714 |
| Rochester, NY | 7 | $ 1,131,000 | $ 161,571 | $ 57,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,211,000 | $ 315,857 | $ 71,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,403,000 | $ 400,500 | $ 151,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 1,607,000 | $ 267,833 | $ 86,000 |
| Durham-Chapel Hill, NC | 6 | $ 1,346,000 | $ 224,333 | $ 52,000 |
| Las Vegas-Paradise, NV | 6 | $ 1,072,000 | $ 178,666 | $ 74,000 |
| Raleigh-Cary, NC | 6 | $ 1,291,000 | $ 215,166 | $ 87,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 1,745,000 | $ 290,833 | $ 84,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 1,109,000 | $ 221,800 | $ 63,000 |
| Birmingham-Hoover, AL | 5 | $ 822,000 | $ 164,400 | $ 62,000 |
| Cincinnati-Middletown, OH-KY-IN | 5 | $ 893,000 | $ 178,600 | $ 82,000 |
| Columbia, SC | 5 | $ 538,000 | $ 107,600 | $ 61,000 |
| Kansas City, MO-KS | 5 | $ 925,000 | $ 185,000 | $ 36,800 |
| Louisville-Jefferson County, KY-IN | 5 | $ 883,000 | $ 176,600 | $ 58,600 |
| Memphis, TN-MS-AR | 5 | $ 1,027,000 | $ 205,400 | $ 108,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 393,000 | $ 78,600 | $ 29,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,193,000 | $ 238,600 | $ 62,000 |
| Salt Lake City, UT | 5 | $ 1,276,000 | $ 255,200 | $ 23,000 |
| York-Hanover, PA | 5 | $ 719,000 | $ 143,800 | $ 50,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 697,000 | $ 174,250 | $ 100,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 675,000 | $ 168,750 | $ 56,000 |
| College Station-Bryan, TX | 4 | $ 597,000 | $ 149,250 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 540,000 | $ 135,000 | $ 59,000 |
| Greensboro-High Point, NC | 4 | $ 823,000 | $ 205,750 | $ 70,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,153,000 | $ 288,250 | $ 79,000 |
| New Haven-Milford, CT | 4 | $ 551,000 | $ 137,750 | $ 70,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 535,000 | $ 133,750 | $ 46,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 985,000 | $ 246,250 | $ 88,000 |
| Racine, WI | 4 | $ 660,000 | $ 165,000 | $ 46,000 |
| San Antonio-New Braunfels, TX | 4 | $ 605,000 | $ 151,250 | $ 78,000 |
| Springfield, MA | 4 | $ 778,000 | $ 194,500 | $ 83,000 |
| St. Louis, MO-IL | 4 | $ 821,000 | $ 205,250 | $ 106,000 |
| Trenton-Ewing, NJ | 4 | $ 591,000 | $ 147,750 | $ 88,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 938,000 | $ 234,500 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 568,000 | $ 189,333 | $ 73,000 |
| Albuquerque, NM | 3 | $ 698,000 | $ 232,666 | $ 77,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 669,000 | $ 223,000 | $ 78,666 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 704,000 | $ 234,666 | $ 66,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 314,000 | $ 104,666 | $ 66,000 |
| Chattanooga, TN-GA | 3 | $ 689,000 | $ 229,666 | $ 252,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 412,000 | $ 137,333 | $ 84,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 495,000 | $ 165,000 | $ 53,000 |
| Jackson, MS | 3 | $ 644,000 | $ 214,666 | $ 190,000 |
| Lincoln, NE | 3 | $ 521,000 | $ 173,666 | $ 24,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 502,000 | $ 167,333 | $ 53,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 363,000 | $ 121,000 | $ 36,000 |
| Savannah, GA | 3 | $ 809,000 | $ 269,666 | $ 109,000 |
| Stockton, CA | 3 | $ 508,000 | $ 169,333 | $ 43,000 |
| Sumter, SC | 3 | $ 290,000 | $ 96,666 | $ 48,000 |
| Tyler, TX | 3 | $ 577,000 | $ 192,333 | $ 83,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 457,000 | $ 152,333 | $ 137,666 |
| Auburn-Opelika, AL | 2 | $ 317,000 | $ 158,500 | $ 50,000 |
| Baton Rouge, LA | 2 | $ 380,000 | $ 190,000 | $ 109,000 |
| Boulder, CO | 2 | $ 527,000 | $ 263,500 | $ 104,000 |
| Charleston, WV | 2 | $ 545,000 | $ 272,500 | $ 102,000 |
| Elkhart-Goshen, IN | 2 | $ 372,000 | $ 186,000 | $ 82,000 |
| Fort Collins-Loveland, CO | 2 | $ 488,000 | $ 244,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 455,000 | $ 227,500 | $ 54,000 |
| Fort Smith, AR-OK | 2 | $ 420,000 | $ 210,000 | $ 61,000 |
| Gainesville, GA | 2 | $ 332,000 | $ 166,000 | $ 30,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 311,000 | $ 155,500 | $ 90,000 |
| Greeley, CO | 2 | $ 144,000 | $ 72,000 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 302,000 | $ 151,000 | $ 194,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 496,000 | $ 248,000 | $ 103,000 |
| Honolulu, HI | 2 | $ 901,000 | $ 450,500 | $ 101,000 |
| Huntsville, AL | 2 | $ 535,000 | $ 267,500 | $ 63,000 |
| Indianapolis-Carmel, IN | 2 | $ 388,000 | $ 194,000 | $ 87,000 |
| Jacksonville, FL | 2 | $ 431,000 | $ 215,500 | $ 21,000 |
| Janesville, WI | 2 | $ 368,000 | $ 184,000 | $ 68,000 |
| Johnson City, TN | 2 | $ 349,000 | $ 174,500 | $ 42,000 |
| Kankakee-Bradley, IL | 2 | $ 203,000 | $ 101,500 | $ 44,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 193,000 | $ 96,500 | $ 39,000 |
| Lake Charles, LA | 2 | $ 415,000 | $ 207,500 | $ 78,000 |
| Lexington-Fayette, KY | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 375,000 | $ 187,500 | $ 71,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 455,000 | $ 227,500 | $ 137,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 382,000 | $ 191,000 | $ 73,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 251,000 | $ 125,500 | $ 73,000 |
| Naples-Marco Island, FL | 2 | $ 528,000 | $ 264,000 | $ 79,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 595,000 | $ 297,500 | $ 123,000 |
| Ogden-Clearfield, UT | 2 | $ 575,000 | $ 287,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 318,000 | $ 159,000 | $ 12,000 |
| Punta Gorda, FL | 2 | $ 326,000 | $ 163,000 | $ 48,000 |
| Steubenville-Weirton, OH-WV | 2 | $ 184,000 | $ 92,000 | $ 45,000 |
| Syracuse, NY | 2 | $ 330,000 | $ 165,000 | $ 24,000 |
| Toledo, OH | 2 | $ 333,000 | $ 166,500 | $ 9,000 |
| Tucson, AZ | 2 | $ 300,000 | $ 150,000 | $ 47,000 |
| Tulsa, OK | 2 | $ 431,000 | $ 215,500 | $ 95,000 |
| Warner Robins, GA | 2 | $ 328,000 | $ 164,000 | $ 6,000 |
| Wheeling, WV-OH | 2 | $ 153,000 | $ 76,500 | $ 40,500 |
| Wichita, KS | 2 | $ 339,000 | $ 169,500 | $ 47,000 |
| Williamsport, PA | 2 | $ 286,000 | $ 143,000 | $ 54,000 |
| Wilmington, NC | 2 | $ 328,000 | $ 164,000 | $ 58,000 |
| Winchester, VA-WV | 2 | $ 402,000 | $ 201,000 | $ 58,000 |
| Winston-Salem, NC | 2 | $ 131,000 | $ 65,500 | $ 25,000 |
| Akron, OH | 1 | $ 119,000 | $ 119,000 | $ 102,000 |
| Albany, GA | 1 | $ 226,000 | $ 226,000 | $ 67,000 |
| Alexandria, LA | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Altoona, PA | 1 | $ 146,000 | $ 146,000 | $ 43,000 |
| Amarillo, TX | 1 | $ 187,000 | $ 187,000 | $ 98,000 |
| Anchorage, AK | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Appleton, WI | 1 | $ 254,000 | $ 254,000 | $ 370,000 |
| Asheville, NC | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 173,000 | $ 173,000 | $ 113,000 |
| Bakersfield-Delano, CA | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Barnstable Town, MA | 1 | $ 293,000 | $ 293,000 | $ 87,000 |
| Bloomington-Normal, IL | 1 | $ 164,000 | $ 164,000 | $ 75,000 |
| Boise City-Nampa, ID | 1 | $ 290,000 | $ 290,000 | $ 92,000 |
| Brunswick, GA | 1 | $ 156,000 | $ 156,000 | $ 45,000 |
| Burlington-South Burlington, VT | 1 | $ 146,000 | $ 146,000 | $ 33,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 188,000 | $ 188,000 | $ 47,000 |
| Casper, WY | 1 | $ 107,000 | $ 107,000 | $ 120,000 |
| Champaign-Urbana, IL | 1 | $ 103,000 | $ 103,000 | $ 68,000 |
| Cheyenne, WY | 1 | $ 127,000 | $ 127,000 | $ 39,000 |
| Clarksville, TN-KY | 1 | $ 230,000 | $ 230,000 | $ 74,000 |
| Cleveland, TN | 1 | $ 146,000 | $ 146,000 | $ 88,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 166,000 | $ 166,000 | $ 242,000 |
| Danville, IL | 1 | $ 212,000 | $ 212,000 | $ 102,000 |
| Dayton, OH | 1 | $ 89,000 | $ 89,000 | $ 41,000 |
| Decatur, AL | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Des Moines-West Des Moines, IA | 1 | $ 107,000 | $ 107,000 | $ 44,000 |
| Eau Claire, WI | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| El Paso, TX | 1 | $ 117,000 | $ 117,000 | $ 36,000 |
| Elmira, NY | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Evansville, IN-KY | 1 | $ 376,000 | $ 376,000 | $ 296,000 |
| Fairbanks, AK | 1 | $ 188,000 | $ 188,000 | $ 88,000 |
| Farmington, NM | 1 | $ 146,000 | $ 146,000 | $ 53,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Flagstaff, AZ | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Fresno, CA | 1 | $ 156,000 | $ 156,000 | $ 33,000 |
| Gary, IN | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Goldsboro, NC | 1 | $ 130,000 | $ 130,000 | $ 32,000 |
| Green Bay, WI | 1 | $ 156,000 | $ 156,000 | $ 69,000 |
| Greenville, NC | 1 | $ 86,000 | $ 86,000 | $ 37,000 |
| Harrisonburg, VA | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Hattiesburg, MS | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Jefferson City, MO | 1 | $ 98,000 | $ 98,000 | $ 26,000 |
| Johnstown, PA | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Jonesboro, AR | 1 | $ 93,000 | $ 93,000 | $ 55,000 |
| Joplin, MO | 1 | $ 267,000 | $ 267,000 | $ 135,000 |
| Kingston, NY | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Lafayette, LA | 1 | $ 250,000 | $ 250,000 | $ 198,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 94,000 | $ 94,000 | $ 105,000 |
| Lansing-East Lansing, MI | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Lawrence, KS | 1 | $ 158,000 | $ 158,000 | $ 53,000 |
| Longview, TX | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Madison, WI | 1 | $ 297,000 | $ 297,000 | $ 150,000 |
| Merced, CA | 1 | $ 136,000 | $ 136,000 | $ 33,000 |
| Monroe, MI | 1 | $ 103,000 | $ 103,000 | $ 84,000 |
| Montgomery, AL | 1 | $ 127,000 | $ 127,000 | $ 89,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 356,000 | $ 356,000 | $ 133,000 |
| Norwich-New London, CT | 1 | $ 196,000 | $ 196,000 | $ 52,000 |
| Ocala, FL | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 582,000 | $ 582,000 | $ 128,000 |
| Pascagoula, MS | 1 | $ 173,000 | $ 173,000 | $ 188,000 |
| Peoria, IL | 1 | $ 132,000 | $ 132,000 | $ 64,000 |
| Pittsfield, MA | 1 | $ 177,000 | $ 177,000 | $ 39,000 |
| Pocatello, ID | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| Port St. Lucie, FL | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 261,000 | $ 261,000 | $ 93,000 |
| Reno-Sparks, NV | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Roanoke, VA | 1 | $ 223,000 | $ 223,000 | $ 132,000 |
| Rocky Mount, NC | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 331,000 | $ 331,000 | $ 69,000 |
| Salinas, CA | 1 | $ 234,000 | $ 234,000 | $ 47,000 |
| Salisbury, MD | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 281,000 | $ 281,000 | $ 162,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 250,000 | $ 250,000 | $ 133,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 730,000 | $ 730,000 | $ 97,000 |
| Shreveport-Bossier City, LA | 1 | $ 192,000 | $ 192,000 | $ 100,000 |
| Sioux Falls, SD | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Spartanburg, SC | 1 | $ 128,000 | $ 128,000 | $ 92,000 |
| State College, PA | 1 | $ 80,000 | $ 80,000 | $ 39,000 |
| Utica-Rome, NY | 1 | $ 240,000 | $ 240,000 | $ 133,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 324,000 | $ 324,000 | $ 130,000 |
| Wausau, WI | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 141,000 | $ 141,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 964 | $173,364,000 | $179,000 | $731,000 | $79,000 | $591,000 |
| Refinancing | 679 | $148,565,000 | $218,000 | $910,000 | $84,000 | $718,000 |
| Home Improvement | 23 | $4,072,000 | $177,000 | $337,000 | $88,000 | $226,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,155 | $226,522,000 | $196,000 | $910,000 | $87,000 | $718,000 |
| Black or African American | 185 | $33,039,000 | $178,000 | $449,000 | $68,000 | $211,000 |
| Hispanic | 145 | $24,357,000 | $167,000 | $539,000 | $61,000 | $236,000 |
| Not Provided | 93 | $21,309,000 | $229,000 | $731,000 | $70,000 | $500,000 |
| Asian | 82 | $18,812,000 | $229,000 | $720,000 | $73,000 | $366,000 |
| American Indian or Alaskan Native | 3 | $797,000 | $265,000 | $397,000 | $109,000 | $170,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,165,000 | $388,000 | $556,000 | $282,000 | $654,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 805 | $154,221,000 | $191,000 | $769,000 | $67,000 | $718,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 683 | $142,133,000 | $208,000 | $910,000 | $103,000 | $654,000 |
| VA-guaranteed (Veterans Administration) | 97 | $18,355,000 | $189,000 | $512,000 | $70,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $11,292,000 | $139,000 | $332,000 | $48,000 | $111,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,168 | $225,057,000 | $192,000 | $769,000 | $81,000 | $718,000 |
| Application Denied By Financial Institution | 254 | $51,316,000 | $202,000 | $910,000 | $70,000 | $500,000 |
| Application Approved But Not Accepted | 101 | $19,626,000 | $194,000 | $568,000 | $89,000 | $332,000 |
| File Closed For Incompleteness | 92 | $19,024,000 | $206,000 | $720,000 | $94,000 | $625,000 |
| Application Withdrawn By Applicant | 51 | $10,978,000 | $215,000 | $700,000 | $98,000 | $350,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 79 | $17,407,000 | $220,000 | $910,000 | $65,000 | $275,000 |
| Other | 73 | $15,999,000 | $219,000 | $532,000 | $90,000 | $500,000 |
| Credit History | 38 | $6,406,000 | $168,000 | $459,000 | $52,000 | $151,000 |
| Collateral | 29 | $4,623,000 | $159,000 | $407,000 | $58,000 | $188,000 |
| Unverifiable Information | 17 | $3,639,000 | $214,000 | $417,000 | $79,000 | $188,000 |
| Employment History | 11 | $2,054,000 | $186,000 | $413,000 | $56,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $776,000 | $194,000 | $282,000 | $87,000 | $152,000 |
| Credit Application Incomplete | 2 | $277,000 | $138,000 | $205,000 | $66,000 | $113,000 |
| Mortgage Insurance Denied | 1 | $135,000 | $135,000 | $135,000 | $36,000 | $36,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Proficio Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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