Proficio Bank Mortgage Lending & HMDA Data, 2012
In 2012, Proficio Bank of Cottonwood Heights, UT reported 10,331 mortgage applications totaling $2.1 billion, up 520% from 2011. The average application was for $207,442, and applicants reported an average income of $61,436. 50% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (364), Washington-Arlington-Alexandria, DC-VA-MD-WV (325) and Atlanta-Sandy Springs-Marietta, GA (273) (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 | 10,331 |
| Total Mortgage Loan Application Amount | $2,143,086,000 |
| Average Mortgage Loan Application Amount | $207,442 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $61,436 |
| Highest Applicant Income | $1,680,000 |
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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cleveland-Elyria-Mentor, OH | 364 | $ 55,725,000 | $ 153,090 | $ 70,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 325 | $ 99,331,000 | $ 305,633 | $ 89,689 |
| Atlanta-Sandy Springs-Marietta, GA | 273 | $ 51,254,000 | $ 187,743 | $ 61,000 |
| Chicago-Joliet-Naperville, IL | 246 | $ 49,198,000 | $ 199,991 | $ 62,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 239 | $ 48,380,000 | $ 202,426 | $ 65,794 |
| Philadelphia, PA | 201 | $ 44,999,000 | $ 223,875 | $ 67,000 |
| Houston-Sugar Land-Baytown, TX | 197 | $ 32,827,000 | $ 166,634 | $ 71,000 |
| New York-White Plains-Wayne, NY-NJ | 194 | $ 67,091,000 | $ 345,829 | $ 79,319 |
| Baltimore-Towson, MD | 183 | $ 45,847,000 | $ 250,530 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 152 | $ 26,507,000 | $ 174,388 | $ 83,000 |
| Denver-Aurora-Broomfield, CO | 149 | $ 32,208,000 | $ 216,161 | $ 62,000 |
| Riverside-San Bernardino-Ontario, CA | 148 | $ 35,964,000 | $ 243,000 | $ 58,000 |
| Columbus, OH | 143 | $ 28,289,000 | $ 197,825 | $ 67,000 |
| Nassau-Suffolk, NY | 117 | $ 35,365,000 | $ 302,264 | $ 77,000 |
| Dallas-Plano-Irving, TX | 115 | $ 20,955,000 | $ 182,217 | $ 68,000 |
| Los Angeles-Long Beach-Glendale, CA | 112 | $ 34,672,000 | $ 309,571 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 110 | $ 22,519,000 | $ 204,718 | $ 73,000 |
| Camden, NJ | 105 | $ 21,889,000 | $ 208,466 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 105 | $ 31,787,000 | $ 302,733 | $ 84,000 |
| Edison-New Brunswick, NJ | 104 | $ 29,081,000 | $ 279,625 | $ 78,000 |
| Newark-Union, NJ-PA | 99 | $ 26,636,000 | $ 269,050 | $ 73,222 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 97 | $ 20,805,000 | $ 214,484 | $ 62,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 93 | $ 21,003,000 | $ 225,838 | $ 69,225 |
| St. Louis, MO-IL | 93 | $ 16,172,000 | $ 173,892 | $ 47,172 |
| Kansas City, MO-KS | 92 | $ 16,467,000 | $ 178,989 | $ 62,054 |
| Las Vegas-Paradise, NV | 91 | $ 18,919,000 | $ 207,901 | $ 54,000 |
| Richmond, VA | 91 | $ 19,609,000 | $ 215,483 | $ 60,000 |
| Wilmington, DE-MD-NJ | 87 | $ 18,892,000 | $ 217,149 | $ 50,839 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 80 | $ 16,337,000 | $ 204,212 | $ 72,612 |
| Hartford-West Hartford-East Hartford, CT | 80 | $ 16,710,000 | $ 208,875 | $ 54,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 78 | $ 13,948,000 | $ 178,820 | $ 56,000 |
| Phoenix-Mesa-Glendale, AZ | 78 | $ 15,553,000 | $ 199,397 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 74 | $ 15,015,000 | $ 202,905 | $ 72,000 |
| Warren-Troy-Farmington Hills, MI | 73 | $ 14,176,000 | $ 194,191 | $ 81,000 |
| Bethesda-Rockville-Frederick, MD | 67 | $ 22,112,000 | $ 330,029 | $ 93,000 |
| Jacksonville, FL | 67 | $ 13,695,000 | $ 204,402 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 64 | $ 12,275,000 | $ 191,796 | $ 60,000 |
| Akron, OH | 63 | $ 10,652,000 | $ 169,079 | $ 66,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 61 | $ 14,635,000 | $ 239,918 | $ 48,000 |
| Pittsburgh, PA | 60 | $ 10,708,000 | $ 178,466 | $ 60,000 |
| Cincinnati-Middletown, OH-KY-IN | 59 | $ 10,480,000 | $ 177,627 | $ 56,220 |
| Salt Lake City, UT | 55 | $ 14,886,000 | $ 270,654 | $ 77,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 53 | $ 10,399,000 | $ 196,207 | $ 60,037 |
| Birmingham-Hoover, AL | 53 | $ 10,411,000 | $ 196,433 | $ 45,000 |
| Tacoma, WA | 52 | $ 12,731,000 | $ 244,826 | $ 83,000 |
| Charleston-North Charleston-Summerville, SC | 48 | $ 9,319,000 | $ 194,145 | $ 63,000 |
| Indianapolis-Carmel, IN | 48 | $ 9,058,000 | $ 188,708 | $ 57,000 |
| Knoxville, TN | 48 | $ 7,507,000 | $ 156,395 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 47 | $ 9,829,000 | $ 209,127 | $ 67,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 45 | $ 11,089,000 | $ 246,422 | $ 67,000 |
| San Diego-Carlsbad-San Marcos, CA | 45 | $ 14,852,000 | $ 330,044 | $ 83,000 |
| Fort Worth-Arlington, TX | 43 | $ 6,596,000 | $ 153,395 | $ 58,000 |
| Boston-Quincy, MA | 41 | $ 11,229,000 | $ 273,878 | $ 29,000 |
| Memphis, TN-MS-AR | 41 | $ 6,678,000 | $ 162,878 | $ 58,756 |
| Austin-Round Rock-San Marcos, TX | 39 | $ 7,205,000 | $ 184,743 | $ 51,000 |
| Boise City-Nampa, ID | 39 | $ 7,560,000 | $ 193,846 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 37 | $ 6,465,000 | $ 174,729 | $ 42,000 |
| San Antonio-New Braunfels, TX | 36 | $ 5,538,000 | $ 153,833 | $ 29,000 |
| Albuquerque, NM | 35 | $ 6,402,000 | $ 182,914 | $ 32,000 |
| Albany-Schenectady-Troy, NY | 34 | $ 6,549,000 | $ 192,617 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 34 | $ 6,260,000 | $ 184,117 | $ 75,000 |
| Raleigh-Cary, NC | 34 | $ 7,205,000 | $ 211,911 | $ 68,000 |
| Columbia, SC | 32 | $ 4,954,000 | $ 154,812 | $ 21,000 |
| Hagerstown-Martinsburg, MD-WV | 32 | $ 6,914,000 | $ 216,062 | $ 73,562 |
| North Port-Bradenton-Sarasota, FL | 32 | $ 7,139,000 | $ 223,093 | $ 71,000 |
| Detroit-Livonia-Dearborn, MI | 31 | $ 4,847,000 | $ 156,354 | $ 61,000 |
| Lakeland-Winter Haven, FL | 31 | $ 5,186,000 | $ 167,290 | $ 57,000 |
| Stockton, CA | 31 | $ 6,940,000 | $ 223,870 | $ 59,000 |
| Tulsa, OK | 31 | $ 5,650,000 | $ 182,258 | $ 67,000 |
| Oklahoma City, OK | 30 | $ 4,307,000 | $ 143,566 | $ 41,000 |
| Bakersfield-Delano, CA | 29 | $ 6,046,000 | $ 208,482 | $ 59,000 |
| Buffalo-Niagara Falls, NY | 28 | $ 4,875,000 | $ 174,107 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 28 | $ 5,835,000 | $ 208,392 | $ 64,785 |
| Ogden-Clearfield, UT | 28 | $ 5,828,000 | $ 208,142 | $ 36,000 |
| Dayton, OH | 27 | $ 3,780,000 | $ 140,000 | $ 36,000 |
| New Haven-Milford, CT | 27 | $ 5,642,000 | $ 208,962 | $ 57,000 |
| Palm Bay-Melbourne-Titusville, FL | 27 | $ 5,515,000 | $ 204,259 | $ 62,000 |
| Colorado Springs, CO | 26 | $ 4,531,000 | $ 174,269 | $ 30,000 |
| Santa Ana-Anaheim-Irvine, CA | 26 | $ 8,426,000 | $ 324,076 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 26 | $ 4,100,000 | $ 157,692 | $ 37,000 |
| Toledo, OH | 25 | $ 4,390,000 | $ 175,600 | $ 66,000 |
| Omaha-Council Bluffs, NE-IA | 24 | $ 3,694,000 | $ 153,916 | $ 37,208 |
| Deltona-Daytona Beach-Ormond Beach, FL | 23 | $ 3,915,000 | $ 170,217 | $ 45,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 4,553,000 | $ 197,956 | $ 24,000 |
| Morristown, TN | 23 | $ 3,310,000 | $ 143,913 | $ 41,000 |
| Cambridge-Newton-Framingham, MA | 22 | $ 6,495,000 | $ 295,227 | $ 82,000 |
| Gary, IN | 22 | $ 3,636,000 | $ 165,272 | $ 40,000 |
| Naples-Marco Island, FL | 22 | $ 5,243,000 | $ 238,318 | $ 98,000 |
| Oakland-Fremont-Hayward, CA | 22 | $ 6,139,000 | $ 279,045 | $ 60,000 |
| Tucson, AZ | 22 | $ 4,083,000 | $ 185,590 | $ 43,000 |
| Bremerton-Silverdale, WA | 21 | $ 5,639,000 | $ 268,523 | $ 102,000 |
| Chattanooga, TN-GA | 21 | $ 3,214,000 | $ 153,047 | $ 59,000 |
| Dover, DE | 21 | $ 4,775,000 | $ 227,380 | $ 45,000 |
| Eugene-Springfield, OR | 21 | $ 4,724,000 | $ 224,952 | $ 54,000 |
| Louisville/Jefferson County, KY-IN | 21 | $ 4,016,000 | $ 191,238 | $ 43,285 |
| Modesto, CA | 21 | $ 4,374,000 | $ 208,285 | $ 38,000 |
| Baton Rouge, LA | 20 | $ 3,599,000 | $ 179,950 | $ 34,000 |
| Fresno, CA | 20 | $ 4,707,000 | $ 235,350 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 20 | $ 3,170,000 | $ 158,500 | $ 51,000 |
| Provo-Orem, UT | 20 | $ 4,194,000 | $ 209,700 | $ 57,000 |
| Salem, OR | 20 | $ 4,304,000 | $ 215,200 | $ 28,000 |
| Trenton-Ewing, NJ | 20 | $ 4,708,000 | $ 235,400 | $ 36,000 |
| York-Hanover, PA | 20 | $ 3,939,000 | $ 196,950 | $ 58,000 |
| Olympia, WA | 19 | $ 4,026,000 | $ 211,894 | $ 66,000 |
| Port St. Lucie, FL | 19 | $ 4,119,000 | $ 216,789 | $ 107,000 |
| Rochester, NY | 19 | $ 3,667,000 | $ 193,000 | $ 47,000 |
| Bridgeport-Stamford-Norwalk, CT | 18 | $ 6,639,000 | $ 368,833 | $ 93,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 18 | $ 3,252,000 | $ 180,666 | $ 73,000 |
| Ocala, FL | 18 | $ 2,886,000 | $ 160,333 | $ 52,000 |
| Springfield, MA | 18 | $ 3,584,000 | $ 199,111 | $ 39,000 |
| Youngstown-Warren-Boardman, OH-PA | 18 | $ 3,314,000 | $ 184,111 | $ 71,111 |
| Anchorage, AK | 17 | $ 4,108,000 | $ 241,647 | $ 48,000 |
| Augusta-Richmond County, GA-SC | 17 | $ 2,520,000 | $ 148,235 | $ 35,823 |
| Greensboro-High Point, NC | 17 | $ 2,195,000 | $ 129,117 | $ 41,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 6,200,000 | $ 364,705 | $ 76,000 |
| Savannah, GA | 17 | $ 2,560,000 | $ 150,588 | $ 50,000 |
| Des Moines-West Des Moines, IA | 16 | $ 2,708,000 | $ 169,250 | $ 62,000 |
| Harrisburg-Carlisle, PA | 16 | $ 3,303,000 | $ 206,437 | $ 63,000 |
| Norwich-New London, CT | 16 | $ 3,477,000 | $ 217,312 | $ 49,000 |
| Reno-Sparks, NV | 16 | $ 3,712,000 | $ 232,000 | $ 48,000 |
| Wichita, KS | 16 | $ 2,457,000 | $ 153,562 | $ 79,000 |
| Wilmington, NC | 16 | $ 3,173,000 | $ 198,312 | $ 31,000 |
| Canton-Massillon, OH | 15 | $ 2,385,000 | $ 159,000 | $ 58,000 |
| Charlottesville, VA | 15 | $ 3,454,000 | $ 230,266 | $ 46,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 2,431,000 | $ 162,066 | $ 48,000 |
| Fort Collins-Loveland, CO | 15 | $ 4,034,000 | $ 268,933 | $ 76,000 |
| Greeley, CO | 15 | $ 2,983,000 | $ 198,866 | $ 53,000 |
| Madison, WI | 15 | $ 2,900,000 | $ 193,333 | $ 35,000 |
| Reading, PA | 15 | $ 2,554,000 | $ 170,266 | $ 74,000 |
| Atlantic City-Hammonton, NJ | 14 | $ 3,364,000 | $ 240,285 | $ 81,000 |
| Coeur D'Alene, ID | 14 | $ 2,385,000 | $ 170,357 | $ 11,000 |
| Greenville-Mauldin-Easley, SC | 14 | $ 2,962,000 | $ 211,571 | $ 57,000 |
| Manchester-Nashua, NH | 14 | $ 3,074,000 | $ 219,571 | $ 70,000 |
| Peabody, MA | 14 | $ 4,105,000 | $ 293,214 | $ 57,000 |
| Roanoke, VA | 14 | $ 2,817,000 | $ 201,214 | $ 56,000 |
| Asheville, NC | 13 | $ 2,209,000 | $ 169,923 | $ 30,000 |
| Huntsville, AL | 13 | $ 2,081,000 | $ 160,076 | $ 70,000 |
| Johnson City, TN | 13 | $ 2,115,000 | $ 162,692 | $ 47,000 |
| Lancaster, PA | 13 | $ 2,442,000 | $ 187,846 | $ 44,000 |
| Little Rock-North Little Rock-Conway, AR | 13 | $ 2,346,000 | $ 180,461 | $ 56,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 2,730,000 | $ 210,000 | $ 11,000 |
| Providence-New Bedford-Fall River, RI-MA | 13 | $ 2,395,000 | $ 184,230 | $ 21,076 |
| Racine, WI | 13 | $ 2,001,000 | $ 153,923 | $ 55,000 |
| Tallahassee, FL | 13 | $ 2,092,000 | $ 160,923 | $ 63,000 |
| Winchester, VA-WV | 13 | $ 2,676,000 | $ 205,846 | $ 54,076 |
| Davenport-Moline-Rock Island, IA-IL | 12 | $ 2,163,000 | $ 180,250 | $ 45,000 |
| El Paso, TX | 12 | $ 1,322,000 | $ 110,166 | $ 0 |
| Mobile, AL | 12 | $ 1,842,000 | $ 153,500 | $ 27,000 |
| Vallejo-Fairfield, CA | 12 | $ 2,888,000 | $ 240,666 | $ 35,000 |
| Auburn-Opelika, AL | 11 | $ 2,458,000 | $ 223,454 | $ 87,000 |
| Boulder, CO | 11 | $ 2,610,000 | $ 237,272 | $ 40,000 |
| Duluth, MN-WI | 11 | $ 1,920,000 | $ 174,545 | $ 30,363 |
| Grand Junction, CO | 11 | $ 2,292,000 | $ 208,363 | $ 55,000 |
| Grand Rapids-Wyoming, MI | 11 | $ 1,970,000 | $ 179,090 | $ 89,000 |
| Hanford-Corcoran, CA | 11 | $ 2,783,000 | $ 253,000 | $ 48,000 |
| Montgomery, AL | 11 | $ 2,510,000 | $ 228,181 | $ 95,000 |
| Ocean City, NJ | 11 | $ 2,673,000 | $ 243,000 | $ 151,000 |
| Topeka, KS | 11 | $ 2,396,000 | $ 217,818 | $ 78,000 |
| Columbus, GA-AL | 10 | $ 1,726,000 | $ 172,600 | $ 42,800 |
| Durham-Chapel Hill, NC | 10 | $ 2,447,000 | $ 244,700 | $ 73,000 |
| Flint, MI | 10 | $ 1,449,000 | $ 144,900 | $ 65,000 |
| Honolulu, HI | 10 | $ 5,399,000 | $ 539,900 | $ 65,000 |
| Jackson, MS | 10 | $ 1,666,000 | $ 166,600 | $ 33,000 |
| Kingston, NY | 10 | $ 1,994,000 | $ 199,400 | $ 70,000 |
| Lexington-Fayette, KY | 10 | $ 2,093,000 | $ 209,300 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 10 | $ 3,561,000 | $ 356,100 | $ 41,000 |
| San Luis Obispo-Paso Robles, CA | 10 | $ 2,601,000 | $ 260,100 | $ 44,000 |
| Visalia-Porterville, CA | 10 | $ 1,820,000 | $ 182,000 | $ 34,000 |
| Gulfport-Biloxi, MS | 9 | $ 1,156,000 | $ 128,444 | $ 25,000 |
| Santa Fe, NM | 9 | $ 2,544,000 | $ 282,666 | $ 72,000 |
| Sioux Falls, SD | 9 | $ 1,431,000 | $ 159,000 | $ 60,000 |
| Springfield, MO | 9 | $ 1,614,000 | $ 179,333 | $ 42,000 |
| St. Cloud, MN | 9 | $ 1,710,000 | $ 190,000 | $ 61,000 |
| Syracuse, NY | 9 | $ 1,516,000 | $ 168,444 | $ 51,000 |
| Worcester, MA | 9 | $ 2,439,000 | $ 271,000 | $ 75,000 |
| Yuma, AZ | 9 | $ 1,014,000 | $ 112,666 | $ 23,000 |
| Ann Arbor, MI | 8 | $ 1,263,000 | $ 157,875 | $ 66,000 |
| Bend, OR | 8 | $ 2,164,000 | $ 270,500 | $ 49,000 |
| College Station-Bryan, TX | 8 | $ 1,523,000 | $ 190,375 | $ 122,000 |
| Gainesville, FL | 8 | $ 1,087,000 | $ 135,875 | $ 36,000 |
| Glens Falls, NY | 8 | $ 1,329,000 | $ 166,125 | $ 82,000 |
| Lebanon, PA | 8 | $ 1,336,000 | $ 167,000 | $ 42,000 |
| Punta Gorda, FL | 8 | $ 1,164,000 | $ 145,500 | $ 52,000 |
| Rockingham County-Strafford County, NH | 8 | $ 2,115,000 | $ 264,375 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 2,644,000 | $ 330,500 | $ 12,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 8 | $ 3,016,000 | $ 377,000 | $ 47,000 |
| St. George, UT | 8 | $ 1,650,000 | $ 206,250 | $ 35,000 |
| Wheeling, WV-OH | 8 | $ 1,165,000 | $ 145,625 | $ 36,750 |
| Barnstable Town, MA | 7 | $ 1,742,000 | $ 248,857 | $ 47,000 |
| Bloomington, IN | 7 | $ 797,000 | $ 113,857 | $ 38,000 |
| Erie, PA | 7 | $ 1,042,000 | $ 148,857 | $ 58,000 |
| Fayetteville, NC | 7 | $ 920,000 | $ 131,428 | $ 48,000 |
| Kennewick-Pasco-Richland, WA | 7 | $ 1,371,000 | $ 195,857 | $ 23,000 |
| Las Cruces, NM | 7 | $ 1,571,000 | $ 224,428 | $ 50,000 |
| Medford, OR | 7 | $ 1,603,000 | $ 229,000 | $ 65,000 |
| Monroe, MI | 7 | $ 1,084,000 | $ 154,857 | $ 80,000 |
| Utica-Rome, NY | 7 | $ 1,264,000 | $ 180,571 | $ 63,000 |
| Anderson, SC | 6 | $ 1,638,000 | $ 273,000 | $ 82,000 |
| Bellingham, WA | 6 | $ 1,707,000 | $ 284,500 | $ 67,000 |
| Charleston, WV | 6 | $ 1,138,000 | $ 189,666 | $ 37,000 |
| Clarksville, TN-KY | 6 | $ 1,246,000 | $ 207,666 | $ 27,000 |
| Cleveland, TN | 6 | $ 830,000 | $ 138,333 | $ 49,000 |
| El Centro, CA | 6 | $ 1,277,000 | $ 212,833 | $ 61,000 |
| Florence-Muscle Shoals, AL | 6 | $ 629,000 | $ 104,833 | $ 20,000 |
| Holland-Grand Haven, MI | 6 | $ 1,457,000 | $ 242,833 | $ 32,000 |
| Jacksonville, NC | 6 | $ 1,090,000 | $ 181,666 | $ 33,000 |
| Jefferson City, MO | 6 | $ 928,000 | $ 154,666 | $ 60,000 |
| Joplin, MO | 6 | $ 955,000 | $ 159,166 | $ 45,000 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 914,000 | $ 152,333 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 929,000 | $ 154,833 | $ 51,666 |
| Lansing-East Lansing, MI | 6 | $ 1,142,000 | $ 190,333 | $ 70,000 |
| Lincoln, NE | 6 | $ 1,159,000 | $ 193,166 | $ 22,000 |
| Merced, CA | 6 | $ 1,320,000 | $ 220,000 | $ 48,000 |
| Morgantown, WV | 6 | $ 1,131,000 | $ 188,500 | $ 62,000 |
| Oshkosh-Neenah, WI | 6 | $ 1,361,000 | $ 226,833 | $ 70,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 6 | $ 1,054,000 | $ 175,666 | $ 86,000 |
| Pueblo, CO | 6 | $ 767,000 | $ 127,833 | $ 30,000 |
| Redding, CA | 6 | $ 1,158,000 | $ 193,000 | $ 46,000 |
| Salisbury, MD | 6 | $ 1,099,000 | $ 183,166 | $ 70,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 2,251,000 | $ 375,166 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,305,000 | $ 217,500 | $ 40,833 |
| Spokane, WA | 6 | $ 1,003,000 | $ 167,166 | $ 59,000 |
| Vineland-Millville-Bridgeton, NJ | 6 | $ 1,056,000 | $ 176,000 | $ 49,000 |
| Winston-Salem, NC | 6 | $ 679,000 | $ 113,166 | $ 34,000 |
| Appleton, WI | 5 | $ 841,000 | $ 168,200 | $ 36,000 |
| Billings, MT | 5 | $ 768,000 | $ 153,600 | $ 55,000 |
| Binghamton, NY | 5 | $ 756,000 | $ 151,200 | $ 54,000 |
| Brunswick, GA | 5 | $ 1,641,000 | $ 328,200 | $ 134,000 |
| Cedar Rapids, IA | 5 | $ 841,000 | $ 168,200 | $ 76,000 |
| Champaign-Urbana, IL | 5 | $ 644,000 | $ 128,800 | $ 32,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 1,162,000 | $ 232,400 | $ 35,000 |
| Dalton, GA | 5 | $ 883,000 | $ 176,600 | $ 20,000 |
| Dothan, AL | 5 | $ 1,090,000 | $ 218,000 | $ 69,000 |
| Fort Smith, AR-OK | 5 | $ 639,000 | $ 127,800 | $ 9,600 |
| Gainesville, GA | 5 | $ 822,000 | $ 164,400 | $ 48,000 |
| Green Bay, WI | 5 | $ 1,115,000 | $ 223,000 | $ 71,000 |
| Idaho Falls, ID | 5 | $ 843,000 | $ 168,600 | $ 39,000 |
| Lafayette, IN | 5 | $ 577,000 | $ 115,400 | $ 46,000 |
| Lawrence, KS | 5 | $ 836,000 | $ 167,200 | $ 36,000 |
| Lubbock, TX | 5 | $ 252,000 | $ 50,400 | $ 0 |
| Sandusky, OH | 5 | $ 820,000 | $ 164,000 | $ 46,000 |
| Shreveport-Bossier City, LA | 5 | $ 434,000 | $ 86,800 | $ 0 |
| St. Joseph, MO-KS | 5 | $ 933,000 | $ 186,600 | $ 34,000 |
| State College, PA | 5 | $ 524,000 | $ 104,800 | $ 15,000 |
| Tuscaloosa, AL | 5 | $ 853,000 | $ 170,600 | $ 53,000 |
| Wausau, WI | 5 | $ 739,000 | $ 147,800 | $ 60,000 |
| Yakima, WA | 5 | $ 777,000 | $ 155,400 | $ 46,000 |
| Amarillo, TX | 4 | $ 514,000 | $ 128,500 | $ 0 |
| Athens-Clarke County, GA | 4 | $ 633,000 | $ 158,250 | $ 42,000 |
| Burlington-South Burlington, VT | 4 | $ 691,000 | $ 172,750 | $ 33,000 |
| Corpus Christi, TX | 4 | $ 449,000 | $ 112,250 | $ 30,000 |
| Elizabethtown, KY | 4 | $ 638,000 | $ 159,500 | $ 16,000 |
| Elkhart-Goshen, IN | 4 | $ 636,000 | $ 159,000 | $ 54,000 |
| Fort Wayne, IN | 4 | $ 558,000 | $ 139,500 | $ 77,000 |
| Hattiesburg, MS | 4 | $ 431,000 | $ 107,750 | $ 0 |
| Kankakee-Bradley, IL | 4 | $ 723,000 | $ 180,750 | $ 56,000 |
| Lafayette, LA | 4 | $ 830,000 | $ 207,500 | $ 56,000 |
| Lake Charles, LA | 4 | $ 763,000 | $ 190,750 | $ 73,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 594,000 | $ 148,500 | $ 152,000 |
| Lewiston-Auburn, ME | 4 | $ 710,000 | $ 177,500 | $ 26,000 |
| Lynchburg, VA | 4 | $ 940,000 | $ 235,000 | $ 48,000 |
| Macon, GA | 4 | $ 741,000 | $ 185,250 | $ 92,000 |
| Madera-Chowchilla, CA | 4 | $ 783,000 | $ 195,750 | $ 29,000 |
| Mansfield, OH | 4 | $ 521,000 | $ 130,250 | $ 55,000 |
| Midland, TX | 4 | $ 629,000 | $ 157,250 | $ 54,000 |
| Palm Coast, FL | 4 | $ 834,000 | $ 208,500 | $ 70,000 |
| Prescott, AZ | 4 | $ 866,000 | $ 216,500 | $ 48,000 |
| Rochester, MN | 4 | $ 676,000 | $ 169,000 | $ 58,000 |
| Rome, GA | 4 | $ 1,044,000 | $ 261,000 | $ 79,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 443,000 | $ 110,750 | $ 49,000 |
| Sebastian-Vero Beach, FL | 4 | $ 883,000 | $ 220,750 | $ 107,000 |
| Springfield, IL | 4 | $ 480,000 | $ 120,000 | $ 14,000 |
| Steubenville-Weirton, OH-WV | 4 | $ 363,000 | $ 90,750 | $ 32,250 |
| Alexandria, LA | 3 | $ 512,000 | $ 170,666 | $ 21,000 |
| Altoona, PA | 3 | $ 597,000 | $ 199,000 | $ 64,000 |
| Anniston-Oxford, AL | 3 | $ 442,000 | $ 147,333 | $ 55,000 |
| Bangor, ME | 3 | $ 459,000 | $ 153,000 | $ 0 |
| Casper, WY | 3 | $ 558,000 | $ 186,000 | $ 29,000 |
| Fond Du Lac, WI | 3 | $ 411,000 | $ 137,000 | $ 39,000 |
| Gadsden, AL | 3 | $ 239,000 | $ 79,666 | $ 25,000 |
| Goldsboro, NC | 3 | $ 479,000 | $ 159,666 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 597,000 | $ 199,000 | $ 59,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 352,000 | $ 117,333 | $ 0 |
| Iowa City, IA | 3 | $ 390,000 | $ 130,000 | $ 70,000 |
| Janesville, WI | 3 | $ 245,000 | $ 81,666 | $ 54,000 |
| Kalamazoo-Portage, MI | 3 | $ 324,000 | $ 108,000 | $ 0 |
| Kokomo, IN | 3 | $ 337,000 | $ 112,333 | $ 31,000 |
| Logan, UT-ID | 3 | $ 550,000 | $ 183,333 | $ 18,000 |
| Mankato-North Mankato, MN | 3 | $ 525,000 | $ 175,000 | $ 66,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 531,000 | $ 177,000 | $ 48,000 |
| Muskegon-Norton Shores, MI | 3 | $ 659,000 | $ 219,666 | $ 0 |
| Napa, CA | 3 | $ 878,000 | $ 292,666 | $ 65,000 |
| Odessa, TX | 3 | $ 296,000 | $ 98,666 | $ 32,000 |
| Pascagoula, MS | 3 | $ 469,000 | $ 156,333 | $ 45,000 |
| Peoria, IL | 3 | $ 616,000 | $ 205,333 | $ 45,000 |
| Pocatello, ID | 3 | $ 526,000 | $ 175,333 | $ 38,000 |
| Rockford, IL | 3 | $ 470,000 | $ 156,666 | $ 46,000 |
| Rocky Mount, NC | 3 | $ 486,000 | $ 162,000 | $ 25,000 |
| Salinas, CA | 3 | $ 740,000 | $ 246,666 | $ 28,000 |
| San Angelo, TX | 3 | $ 458,000 | $ 152,666 | $ 27,000 |
| Sherman-Denison, TX | 3 | $ 808,000 | $ 269,333 | $ 40,000 |
| Spartanburg, SC | 3 | $ 508,000 | $ 169,333 | $ 40,000 |
| Springfield, OH | 3 | $ 556,000 | $ 185,333 | $ 70,000 |
| Valdosta, GA | 3 | $ 498,000 | $ 166,000 | $ 34,000 |
| Yuba City, CA | 3 | $ 1,011,000 | $ 337,000 | $ 63,000 |
| Ames, IA | 2 | $ 212,000 | $ 106,000 | $ 40,000 |
| Beaumont-Port Arthur, TX | 2 | $ 285,000 | $ 142,500 | $ 55,000 |
| Burlington, NC | 2 | $ 312,000 | $ 156,000 | $ 24,000 |
| Carson City, NV | 2 | $ 535,000 | $ 267,500 | $ 48,000 |
| Chico, CA | 2 | $ 517,000 | $ 258,500 | $ 31,000 |
| Cumberland, MD-WV | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Decatur, AL | 2 | $ 460,000 | $ 230,000 | $ 84,000 |
| Decatur, IL | 2 | $ 490,000 | $ 245,000 | $ 115,000 |
| Dubuque, IA | 2 | $ 211,000 | $ 105,500 | $ 35,000 |
| Elmira, NY | 2 | $ 127,000 | $ 63,500 | $ 14,000 |
| Fairbanks, AK | 2 | $ 336,000 | $ 168,000 | $ 31,000 |
| Fargo, ND-MN | 2 | $ 366,000 | $ 183,000 | $ 148,000 |
| Farmington, NM | 2 | $ 335,000 | $ 167,500 | $ 29,000 |
| Florence, SC | 2 | $ 567,000 | $ 283,500 | $ 41,000 |
| Grand Forks, ND-MN | 2 | $ 333,000 | $ 166,500 | $ 51,000 |
| Hot Springs, AR | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 345,000 | $ 172,500 | $ 17,000 |
| Jackson, MI | 2 | $ 230,000 | $ 115,000 | $ 31,000 |
| Johnstown, PA | 2 | $ 196,000 | $ 98,000 | $ 5,000 |
| La Crosse, WI-MN | 2 | $ 470,000 | $ 235,000 | $ 28,000 |
| Laredo, TX | 2 | $ 237,000 | $ 118,500 | $ 644,000 |
| Lima, OH | 2 | $ 149,000 | $ 74,500 | $ 25,000 |
| Longview, WA | 2 | $ 553,000 | $ 276,500 | $ 51,000 |
| Manhattan, KS | 2 | $ 441,000 | $ 220,500 | $ 17,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 153,000 | $ 76,500 | $ 25,000 |
| Missoula, MT | 2 | $ 535,000 | $ 267,500 | $ 93,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 258,000 | $ 129,000 | $ 51,500 |
| Rapid City, SD | 2 | $ 285,000 | $ 142,500 | $ 57,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 916,000 | $ 458,000 | $ 100,000 |
| Sheboygan, WI | 2 | $ 396,000 | $ 198,000 | $ 13,000 |
| Terre Haute, IN | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Waco, TX | 2 | $ 129,000 | $ 64,500 | $ 0 |
| Wenatchee-East Wenatchee, WA | 2 | $ 487,000 | $ 243,500 | $ 329,000 |
| Williamsport, PA | 2 | $ 328,000 | $ 164,000 | $ 26,000 |
| Albany, GA | 1 | $ 260,000 | $ 260,000 | $ 150,000 |
| Anderson, IN | 1 | $ 172,000 | $ 172,000 | $ 76,000 |
| Battle Creek, MI | 1 | $ 149,000 | $ 149,000 | $ 62,000 |
| Bay City, MI | 1 | $ 78,000 | $ 78,000 | $ 28,000 |
| Bismarck, ND | 1 | $ 177,000 | $ 177,000 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 186,000 | $ 186,000 | $ 28,000 |
| Brownsville-Harlingen, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 178,000 | $ 178,000 | $ 33,000 |
| Cheyenne, WY | 1 | $ 253,000 | $ 253,000 | $ 65,000 |
| Columbia, MO | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Columbus, IN | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Corvallis, OR | 1 | $ 136,000 | $ 136,000 | $ 47,000 |
| Danville, IL | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Danville, VA | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Eau Claire, WI | 1 | $ 78,000 | $ 78,000 | $ 47,000 |
| Evansville, IN-KY | 1 | $ 362,000 | $ 362,000 | $ 188,000 |
| Greenville, NC | 1 | $ 179,000 | $ 179,000 | $ 186,000 |
| Harrisonburg, VA | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Ithaca, NY | 1 | $ 61,000 | $ 61,000 | $ 60,000 |
| Jackson, TN | 1 | $ 222,000 | $ 222,000 | $ 120,000 |
| Jonesboro, AR | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Lawton, OK | 1 | $ 167,000 | $ 167,000 | $ 88,000 |
| Longview, TX | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 79,000 | $ 79,000 | $ 50,000 |
| Monroe, LA | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Pine Bluff, AR | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Pittsfield, MA | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Sumter, SC | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 147,000 | $ 147,000 | $ 34,000 |
| Tyler, TX | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Victoria, TX | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2012
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 | 8,871 | $1,889,636,000 | $213,000 | $1,500,000 | $59,000 | $1,680,000 |
| Home Purchase | 1,416 | $245,671,000 | $173,000 | $810,000 | $76,000 | $1,400,000 |
| Home Improvement | 44 | $7,779,000 | $176,000 | $401,000 | $84,000 | $453,000 |
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 | 6,898 | $1,413,661,000 | $204,000 | $1,500,000 | $64,000 | $1,400,000 |
| Not Provided | 1,803 | $402,494,000 | $223,000 | $1,293,000 | $56,000 | $1,680,000 |
| Black or African American | 828 | $153,038,000 | $184,000 | $661,000 | $55,000 | $540,000 |
| Hispanic | 527 | $107,265,000 | $203,000 | $1,286,000 | $56,000 | $292,000 |
| Asian | 234 | $56,690,000 | $242,000 | $742,000 | $67,000 | $308,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $5,528,000 | $240,000 | $653,000 | $67,000 | $231,000 |
| American Indian or Alaskan Native | 18 | $4,410,000 | $245,000 | $536,000 | $46,000 | $218,000 |
| 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) | 5,276 | $1,038,178,000 | $196,000 | $864,000 | $33,000 | $800,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,605 | $1,022,392,000 | $222,000 | $1,500,000 | $94,000 | $1,680,000 |
| VA-guaranteed (Veterans Administration) | 251 | $53,168,000 | $211,000 | $1,286,000 | $71,000 | $757,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 199 | $29,348,000 | $147,000 | $327,000 | $51,000 | $114,000 |
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 | 5,205 | $1,066,417,000 | $204,000 | $1,286,000 | $55,000 | $1,400,000 |
| Application Withdrawn By Applicant | 3,008 | $644,503,000 | $214,000 | $1,500,000 | $74,000 | $1,680,000 |
| Application Denied By Financial Institution | 1,332 | $271,460,000 | $203,000 | $871,000 | $60,000 | $679,000 |
| Application Approved But Not Accepted | 621 | $132,028,000 | $212,000 | $623,000 | $65,000 | $348,000 |
| File Closed For Incompleteness | 165 | $28,678,000 | $173,000 | $490,000 | $38,000 | $397,000 |
| 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 History | 288 | $59,886,000 | $207,000 | $871,000 | $68,000 | $320,000 |
| Debt-To-Income Ratio | 270 | $59,930,000 | $221,000 | $810,000 | $64,000 | $397,000 |
| Collateral | 261 | $50,755,000 | $194,000 | $476,000 | $72,000 | $223,000 |
| Other | 187 | $41,673,000 | $222,000 | $825,000 | $61,000 | $679,000 |
| Credit Application Incomplete | 51 | $11,235,000 | $220,000 | $440,000 | $68,000 | $280,000 |
| Employment History | 35 | $7,213,000 | $206,000 | $387,000 | $56,000 | $213,000 |
| Unverifiable Information | 34 | $7,606,000 | $223,000 | $610,000 | $73,000 | $277,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,811,000 | $175,000 | $295,000 | $62,000 | $260,000 |
| Mortgage Insurance Denied | 3 | $911,000 | $303,000 | $417,000 | $101,000 | $126,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2012 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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