Proficio Bank Mortgage Lending & HMDA Data, 2015
In 2015, Proficio Bank of Cottonwood Heights, UT reported 901 mortgage applications totaling $178.9 million, down 95% from 2014. The average application was for $198,519, and applicants reported an average income of $43,015. 20% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (35), New York-Jersey City-White Plains, NY-NJ (26) and Los Angeles-Long Beach-Glendale, CA (25) (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 | 901 |
| Total Mortgage Loan Application Amount | $178,866,000 |
| Average Mortgage Loan Application Amount | $198,519 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $43,015 |
| Highest Applicant Income | $1,171,000 |
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Act (HMDA) records Proficio Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 35 | $ 9,434,000 | $ 269,542 | $ 60,142 |
| New York-Jersey City-White Plains, NY-NJ | 26 | $ 7,463,000 | $ 287,038 | $ 66,615 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 7,219,000 | $ 288,760 | $ 21,000 |
| Tampa-St. Petersburg-Clearwater, FL | 24 | $ 4,787,000 | $ 199,458 | $ 70,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 3,457,000 | $ 181,947 | $ 27,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 3,381,000 | $ 187,833 | $ 30,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 3,708,000 | $ 218,117 | $ 32,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 3,451,000 | $ 215,687 | $ 155,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 2,005,000 | $ 133,666 | $ 85,000 |
| Dallas-Plano-Irving, TX | 14 | $ 1,955,000 | $ 139,642 | $ 15,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 14 | $ 3,937,000 | $ 281,214 | $ 57,000 |
| Baltimore-Columbia-Towson, MD | 13 | $ 2,602,000 | $ 200,153 | $ 71,000 |
| Charlotte-Concord-Gastonia, NC-SC | 13 | $ 3,761,000 | $ 289,307 | $ 12,923 |
| Cleveland-Elyria, OH | 13 | $ 1,901,000 | $ 146,230 | $ 39,000 |
| Nassau County-Suffolk County, NY | 13 | $ 3,617,000 | $ 278,230 | $ 44,000 |
| St. Louis, MO-IL | 13 | $ 1,857,000 | $ 142,846 | $ 24,230 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 2,264,000 | $ 188,666 | $ 13,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 2,303,000 | $ 209,363 | $ 54,000 |
| Philadelphia, PA | 11 | $ 2,783,000 | $ 253,000 | $ 29,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 2,192,000 | $ 199,272 | $ 0 |
| Richmond, VA | 10 | $ 2,124,000 | $ 212,400 | $ 57,000 |
| San Diego-Carlsbad, CA | 10 | $ 3,419,000 | $ 341,900 | $ 48,000 |
| Chicago-Naperville-Arlington Heights, IL | 9 | $ 1,539,000 | $ 171,000 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,125,000 | $ 236,111 | $ 74,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 2,327,000 | $ 258,555 | $ 39,000 |
| Austin-Round Rock, TX | 8 | $ 1,204,000 | $ 150,500 | $ 23,000 |
| Charleston-North Charleston, SC | 8 | $ 1,351,000 | $ 168,875 | $ 30,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,294,000 | $ 161,750 | $ 33,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 2,720,000 | $ 388,571 | $ 53,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 679,000 | $ 97,000 | $ 14,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 1,349,000 | $ 192,714 | $ 21,000 |
| Silver Spring-Frederick-Rockville, MD | 7 | $ 2,002,000 | $ 286,000 | $ 66,000 |
| Columbia, SC | 6 | $ 1,348,000 | $ 224,666 | $ 95,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,362,000 | $ 393,666 | $ 94,000 |
| Coeur D'Alene, ID | 5 | $ 998,000 | $ 199,600 | $ 43,000 |
| Fort Worth-Arlington, TX | 5 | $ 801,000 | $ 160,200 | $ 19,000 |
| Fresno, CA | 5 | $ 914,000 | $ 182,800 | $ 14,000 |
| Greensboro-High Point, NC | 5 | $ 775,000 | $ 155,000 | $ 13,000 |
| Jacksonville, FL | 5 | $ 703,000 | $ 140,600 | $ 12,000 |
| New Orleans-Metairie, LA | 5 | $ 666,000 | $ 133,200 | $ 6,000 |
| Savannah, GA | 5 | $ 1,138,000 | $ 227,600 | $ 22,000 |
| Boston, MA | 4 | $ 1,192,000 | $ 298,000 | $ 27,000 |
| Columbus, OH | 4 | $ 463,000 | $ 115,750 | $ 20,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 660,000 | $ 165,000 | $ 26,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 981,000 | $ 245,250 | $ 121,000 |
| New Haven-Milford, CT | 4 | $ 956,000 | $ 239,000 | $ 77,000 |
| Raleigh, NC | 4 | $ 792,000 | $ 198,000 | $ 40,000 |
| San Antonio-New Braunfels, TX | 4 | $ 620,000 | $ 155,000 | $ 33,000 |
| Santa Rosa, CA | 4 | $ 1,060,000 | $ 265,000 | $ 50,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,241,000 | $ 310,250 | $ 56,000 |
| Wilmington, DE-MD-NJ | 4 | $ 1,107,000 | $ 276,750 | $ 63,000 |
| Akron, OH | 3 | $ 552,000 | $ 184,000 | $ 95,000 |
| Brunswick, GA | 3 | $ 467,000 | $ 155,666 | $ 84,000 |
| Camden, NJ | 3 | $ 665,000 | $ 221,666 | $ 122,000 |
| Cincinnati, OH-KY-IN | 3 | $ 453,000 | $ 151,000 | $ 32,666 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 496,000 | $ 165,333 | $ 126,000 |
| El Paso, TX | 3 | $ 493,000 | $ 164,333 | $ 40,000 |
| Fayetteville, NC | 3 | $ 641,000 | $ 213,666 | $ 152,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 463,000 | $ 154,333 | $ 34,000 |
| Kingston, NY | 3 | $ 522,000 | $ 174,000 | $ 28,000 |
| Macon, GA | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 410,000 | $ 136,666 | $ 40,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 640,000 | $ 213,333 | $ 70,666 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 864,000 | $ 288,000 | $ 30,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 611,000 | $ 203,666 | $ 115,000 |
| Newark, NJ-PA | 3 | $ 713,000 | $ 237,666 | $ 99,000 |
| Oklahoma City, OK | 3 | $ 310,000 | $ 103,333 | $ 53,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,484,000 | $ 494,666 | $ 45,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 339,000 | $ 113,000 | $ 3,000 |
| Pittsburgh, PA | 3 | $ 296,000 | $ 98,666 | $ 51,000 |
| Rockingham County-Strafford County, NH | 3 | $ 577,000 | $ 192,333 | $ 51,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,152,000 | $ 384,000 | $ 0 |
| Syracuse, NY | 3 | $ 595,000 | $ 198,333 | $ 36,000 |
| Tallahassee, FL | 3 | $ 548,000 | $ 182,666 | $ 95,000 |
| Vallejo-Fairfield, CA | 3 | $ 820,000 | $ 273,333 | $ 66,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 591,000 | $ 197,000 | $ 53,000 |
| Winston-Salem, NC | 3 | $ 395,000 | $ 131,666 | $ 103,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 148,000 | $ 49,333 | $ 14,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 408,000 | $ 204,000 | $ 25,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 545,000 | $ 272,500 | $ 39,000 |
| Anchorage, AK | 2 | $ 1,256,000 | $ 628,000 | $ 235,000 |
| Ann Arbor, MI | 2 | $ 579,000 | $ 289,500 | $ 29,000 |
| Asheville, NC | 2 | $ 285,000 | $ 142,500 | $ 19,000 |
| Birmingham-Hoover, AL | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 113,000 | $ 56,500 | $ 0 |
| Colorado Springs, CO | 2 | $ 483,000 | $ 241,500 | $ 29,000 |
| Dover, DE | 2 | $ 297,000 | $ 148,500 | $ 24,000 |
| Dutchess County-Putnam County, NY | 2 | $ 491,000 | $ 245,500 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 299,000 | $ 149,500 | $ 56,000 |
| Goldsboro, NC | 2 | $ 265,000 | $ 132,500 | $ 31,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 439,000 | $ 219,500 | $ 77,000 |
| Jackson, MI | 2 | $ 402,000 | $ 201,000 | $ 32,000 |
| Jackson, MS | 2 | $ 112,000 | $ 56,000 | $ 12,000 |
| Jonesboro, AR | 2 | $ 273,000 | $ 136,500 | $ 14,000 |
| Kansas City, MO-KS | 2 | $ 506,000 | $ 253,000 | $ 119,000 |
| Killeen-Temple, TX | 2 | $ 619,000 | $ 309,500 | $ 73,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 199,000 | $ 99,500 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 114,000 | $ 57,000 | $ 0 |
| Longview, TX | 2 | $ 335,000 | $ 167,500 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 362,000 | $ 181,000 | $ 26,000 |
| Montgomery, AL | 2 | $ 123,000 | $ 61,500 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 252,000 | $ 126,000 | $ 18,000 |
| Prescott, AZ | 2 | $ 344,000 | $ 172,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Redding, CA | 2 | $ 558,000 | $ 279,000 | $ 41,000 |
| Reno, NV | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Rochester, MN | 2 | $ 328,000 | $ 164,000 | $ 44,000 |
| Salt Lake City, UT | 2 | $ 223,000 | $ 111,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 874,000 | $ 437,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 253,000 | $ 126,500 | $ 8,000 |
| Spartanburg, SC | 2 | $ 298,000 | $ 149,000 | $ 103,000 |
| Stockton-Lodi, CA | 2 | $ 331,000 | $ 165,500 | $ 0 |
| Texarkana, TX-AR | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Utica-Rome, NY | 2 | $ 1,163,000 | $ 581,500 | $ 187,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 300,000 | $ 150,000 | $ 8,000 |
| Waco, TX | 2 | $ 161,000 | $ 80,500 | $ 0 |
| Wichita, KS | 2 | $ 293,000 | $ 146,500 | $ 37,000 |
| Wilmington, NC | 2 | $ 684,000 | $ 342,000 | $ 93,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 140,000 | $ 140,000 | $ 28,000 |
| Albuquerque, NM | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 98,000 | $ 98,000 | $ 29,000 |
| Bakersfield, CA | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 211,000 | $ 211,000 | $ 103,000 |
| Bend-Redmond, OR | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Binghamton, NY | 1 | $ 183,000 | $ 183,000 | $ 110,000 |
| Bloomington, IN | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Boise City, ID | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Boulder, CO | 1 | $ 167,000 | $ 167,000 | $ 40,000 |
| Brownsville-Harlingen, TX | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| Chattanooga, TN-GA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Chico, CA | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 162,000 | $ 162,000 | $ 98,000 |
| Corpus Christi, TX | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 90,000 | $ 90,000 | $ 0 |
| El Centro, CA | 1 | $ 178,000 | $ 178,000 | $ 47,000 |
| Erie, PA | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 174,000 | $ 174,000 | $ 45,000 |
| Flagstaff, AZ | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Flint, MI | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Gary, IN | 1 | $ 311,000 | $ 311,000 | $ 140,000 |
| Grand Junction, CO | 1 | $ 261,000 | $ 261,000 | $ 88,000 |
| Great Falls, MT | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 142,000 | $ 142,000 | $ 31,000 |
| Harrisburg-Carlisle, PA | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Huntsville, AL | 1 | $ 102,000 | $ 102,000 | $ 68,000 |
| Jackson, TN | 1 | $ 75,000 | $ 75,000 | $ 13,000 |
| Jefferson City, MO | 1 | $ 102,000 | $ 102,000 | $ 29,000 |
| Johnson City, TN | 1 | $ 174,000 | $ 174,000 | $ 28,000 |
| Johnstown, PA | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Kankakee, IL | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Knoxville, TN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lake Charles, LA | 1 | $ 102,000 | $ 102,000 | $ 29,000 |
| Lexington-Fayette, KY | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Lima, OH | 1 | $ 89,000 | $ 89,000 | $ 30,000 |
| Logan, UT-ID | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Lubbock, TX | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Lynchburg, VA | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Manchester-Nashua, NH | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Mansfield, OH | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Merced, CA | 1 | $ 167,000 | $ 167,000 | $ 25,000 |
| Midland, TX | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Mobile, AL | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 141,000 | $ 141,000 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Panama City, FL | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Pittsfield, MA | 1 | $ 329,000 | $ 329,000 | $ 65,000 |
| Port St. Lucie, FL | 1 | $ 284,000 | $ 284,000 | $ 71,000 |
| Providence-Warwick, RI-MA | 1 | $ 409,000 | $ 409,000 | $ 140,000 |
| Provo-Orem, UT | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Racine, WI | 1 | $ 265,000 | $ 265,000 | $ 87,000 |
| Roanoke, VA | 1 | $ 122,000 | $ 122,000 | $ 108,000 |
| Rochester, NY | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Rome, GA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Saginaw, MI | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Salinas, CA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 211,000 | $ 211,000 | $ 71,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Sebring, FL | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Springfield, MA | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Springfield, MO | 1 | $ 199,000 | $ 199,000 | $ 0 |
| St. Cloud, MN | 1 | $ 232,000 | $ 232,000 | $ 75,000 |
| The Villages, FL | 1 | $ 377,000 | $ 377,000 | $ 0 |
| Topeka, KS | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Tucson, AZ | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Tyler, TX | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 139,000 | $ 139,000 | $ 59,000 |
| Wheeling, WV-OH | 1 | $ 56,000 | $ 56,000 | $ 18,000 |
| Wichita Falls, TX | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 400,000 | $ 400,000 | $ 220,000 |
| York-Hanover, PA | 1 | $ 239,000 | $ 239,000 | $ 145,000 |
| Yuba City, CA | 1 | $ 222,000 | $ 222,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Proficio Bank in 2015
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 | 843 | $168,277,000 | $199,000 | $1,000,000 | $43,000 | $1,171,000 |
| Home Purchase | 57 | $10,524,000 | $184,000 | $536,000 | $44,000 | $221,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $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 | 553 | $108,996,000 | $197,000 | $1,000,000 | $43,000 | $1,171,000 |
| Not Provided | 174 | $36,704,000 | $210,000 | $563,000 | $44,000 | $359,000 |
| Black or African American | 103 | $16,639,000 | $161,000 | $464,000 | $29,000 | $155,000 |
| Hispanic | 45 | $9,186,000 | $204,000 | $536,000 | $50,000 | $300,000 |
| Asian | 21 | $5,840,000 | $278,000 | $536,000 | $74,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,063,000 | $354,000 | $462,000 | $91,000 | $135,000 |
| American Indian or Alaskan Native | 2 | $438,000 | $219,000 | $405,000 | $49,000 | $98,000 |
| 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) | 399 | $63,703,000 | $159,000 | $536,000 | $7,000 | $240,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 334 | $76,017,000 | $227,000 | $1,000,000 | $74,000 | $612,000 |
| VA-guaranteed (Veterans Administration) | 163 | $38,593,000 | $236,000 | $563,000 | $67,000 | $1,171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $553,000 | $110,000 | $163,000 | $36,000 | $51,000 |
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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 314 | $69,584,000 | $221,000 | $1,000,000 | $51,000 | $350,000 |
| Application Denied By Financial Institution | 275 | $56,402,000 | $205,000 | $951,000 | $58,000 | $1,171,000 |
| Loan Originated | 181 | $31,356,000 | $173,000 | $536,000 | $34,000 | $612,000 |
| Application Withdrawn By Applicant | 116 | $19,498,000 | $168,000 | $450,000 | $2,000 | $96,000 |
| Application Approved But Not Accepted | 15 | $2,026,000 | $135,000 | $320,000 | $17,000 | $175,000 |
| 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 | 146 | $30,720,000 | $210,000 | $603,000 | $68,000 | $280,000 |
| Credit History | 62 | $12,332,000 | $198,000 | $800,000 | $37,000 | $169,000 |
| Debt-To-Income Ratio | 13 | $3,802,000 | $292,000 | $951,000 | $163,000 | $1,171,000 |
| Collateral | 11 | $2,369,000 | $215,000 | $364,000 | $80,000 | $155,000 |
| Other | 4 | $630,000 | $157,000 | $275,000 | $39,000 | $66,000 |
| Unverifiable Information | 4 | $854,000 | $213,000 | $308,000 | $62,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $170,000 | $170,000 | $170,000 | $81,000 | $81,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proficio Bank's 2015 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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