Proficio Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Proficio Bank 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $149,333 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $29,000 |
| Highest Applicant Income | $1,171,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Proficio Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Proficio Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Proficio Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Proficio Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Proficio Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Proficio Bank's mortgage activity for 2015.
| 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 | $ 270,333 | $ 51,666 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 26 | $ 7,463,000 | $ 273,500 | $ 68,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 25 | $ 7,219,000 | $ 288,000 | $ 21,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 24 | $ 4,787,000 | $ 199,000 | $ 70,000 |
| DENVER-AURORA-LAKEWOOD, CO | 19 | $ 3,457,000 | $ 181,000 | $ 27,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 18 | $ 3,381,000 | $ 187,000 | $ 30,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 17 | $ 3,708,000 | $ 218,000 | $ 32,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 16 | $ 3,451,000 | $ 215,000 | $ 155,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 15 | $ 2,005,000 | $ 133,000 | $ 85,000 |
| DALLAS-PLANO-IRVING, TX | 14 | $ 1,955,000 | $ 139,000 | $ 15,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 14 | $ 3,937,000 | $ 281,000 | $ 57,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 13 | $ 2,602,000 | $ 200,000 | $ 71,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 13 | $ 3,761,000 | $ 237,000 | $ 7,000 |
| CLEVELAND-ELYRIA, OH | 13 | $ 1,901,000 | $ 146,000 | $ 39,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 13 | $ 3,617,000 | $ 278,000 | $ 44,000 |
| ST. LOUIS, MO-IL | 13 | $ 1,857,000 | $ 135,500 | $ 27,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 12 | $ 2,264,000 | $ 188,000 | $ 13,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 11 | $ 2,303,000 | $ 209,000 | $ 54,000 |
| PHILADELPHIA, PA | 11 | $ 2,783,000 | $ 253,000 | $ 29,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 11 | $ 2,192,000 | $ 199,000 | $ 0 |
| RICHMOND, VA | 10 | $ 2,124,000 | $ 212,000 | $ 57,000 |
| SAN DIEGO-CARLSBAD, CA | 10 | $ 3,419,000 | $ 341,000 | $ 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 | $ 236,000 | $ 74,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 9 | $ 2,327,000 | $ 258,000 | $ 39,000 |
| AUSTIN-ROUND ROCK, TX | 8 | $ 1,204,000 | $ 150,000 | $ 23,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 8 | $ 1,351,000 | $ 168,000 | $ 30,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 8 | $ 1,294,000 | $ 161,000 | $ 33,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 7 | $ 2,720,000 | $ 388,000 | $ 53,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 7 | $ 679,000 | $ 97,000 | $ 14,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 7 | $ 1,349,000 | $ 192,000 | $ 21,000 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 7 | $ 2,002,000 | $ 286,000 | $ 66,000 |
| COLUMBIA, SC | 6 | $ 1,348,000 | $ 224,000 | $ 95,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 6 | $ 2,362,000 | $ 393,000 | $ 94,000 |
| COEUR D'ALENE, ID | 5 | $ 998,000 | $ 199,000 | $ 43,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 801,000 | $ 160,000 | $ 19,000 |
| FRESNO, CA | 5 | $ 914,000 | $ 182,000 | $ 14,000 |
| GREENSBORO-HIGH POINT, NC | 5 | $ 775,000 | $ 155,000 | $ 13,000 |
| JACKSONVILLE, FL | 5 | $ 703,000 | $ 140,000 | $ 12,000 |
| NEW ORLEANS-METAIRIE, LA | 5 | $ 666,000 | $ 133,000 | $ 6,000 |
| SAVANNAH, GA | 5 | $ 1,138,000 | $ 227,000 | $ 22,000 |
| BOSTON, MA | 4 | $ 1,192,000 | $ 298,000 | $ 27,000 |
| COLUMBUS, OH | 4 | $ 463,000 | $ 115,000 | $ 20,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 4 | $ 660,000 | $ 165,000 | $ 26,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 4 | $ 981,000 | $ 245,000 | $ 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 | $ 310,000 | $ 56,000 |
| WILMINGTON, DE-MD-NJ | 4 | $ 1,107,000 | $ 276,500 | $ 63,000 |
| AKRON, OH | 3 | $ 552,000 | $ 184,000 | $ 95,000 |
| BRUNSWICK, GA | 3 | $ 467,000 | $ 155,000 | $ 84,000 |
| CAMDEN, NJ | 3 | $ 665,000 | $ 221,000 | $ 122,000 |
| CINCINNATI, OH-KY-IN | 3 | $ 453,000 | $ 139,000 | $ 38,500 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 3 | $ 496,000 | $ 165,000 | $ 126,000 |
| EL PASO, TX | 3 | $ 493,000 | $ 164,000 | $ 40,000 |
| FAYETTEVILLE, NC | 3 | $ 641,000 | $ 213,000 | $ 152,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 3 | $ 463,000 | $ 154,000 | $ 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 | $ 136,000 | $ 40,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 3 | $ 640,000 | $ 203,500 | $ 70,500 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 3 | $ 864,000 | $ 288,000 | $ 30,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 611,000 | $ 203,000 | $ 115,000 |
| NEWARK, NJ-PA | 3 | $ 713,000 | $ 237,000 | $ 99,000 |
| OKLAHOMA CITY, OK | 3 | $ 310,000 | $ 103,000 | $ 53,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 3 | $ 1,484,000 | $ 494,000 | $ 45,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 339,000 | $ 113,000 | $ 3,000 |
| PITTSBURGH, PA | 3 | $ 296,000 | $ 98,000 | $ 51,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 3 | $ 577,000 | $ 192,000 | $ 51,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 3 | $ 1,152,000 | $ 384,000 | $ 0 |
| SYRACUSE, NY | 3 | $ 595,000 | $ 198,000 | $ 36,000 |
| TALLAHASSEE, FL | 3 | $ 548,000 | $ 182,000 | $ 95,000 |
| VALLEJO-FAIRFIELD, CA | 3 | $ 820,000 | $ 273,000 | $ 66,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 3 | $ 591,000 | $ 197,000 | $ 53,000 |
| WINSTON-SALEM, NC | 3 | $ 395,000 | $ 131,000 | $ 103,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 3 | $ 148,000 | $ 49,000 | $ 14,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 2 | $ 408,000 | $ 204,000 | $ 25,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 2 | $ 545,000 | $ 272,000 | $ 39,000 |
| ANCHORAGE, AK | 2 | $ 1,256,000 | $ 628,000 | $ 235,000 |
| ANN ARBOR, MI | 2 | $ 579,000 | $ 289,000 | $ 29,000 |
| ASHEVILLE, NC | 2 | $ 285,000 | $ 142,000 | $ 19,000 |
| BIRMINGHAM-HOOVER, AL | 2 | $ 102,000 | $ 51,000 | $ 0 |
| CANTON-MASSILLON, OH | 2 | $ 113,000 | $ 56,000 | $ 0 |
| COLORADO SPRINGS, CO | 2 | $ 483,000 | $ 241,000 | $ 29,000 |
| DOVER, DE | 2 | $ 297,000 | $ 148,000 | $ 24,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 2 | $ 491,000 | $ 245,000 | $ 72,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 2 | $ 299,000 | $ 149,000 | $ 56,000 |
| GOLDSBORO, NC | 2 | $ 265,000 | $ 132,000 | $ 31,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 2 | $ 439,000 | $ 219,000 | $ 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 | $ 136,000 | $ 14,000 |
| KANSAS CITY, MO-KS | 2 | $ 506,000 | $ 253,000 | $ 119,000 |
| KILLEEN-TEMPLE, TX | 2 | $ 619,000 | $ 309,000 | $ 73,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 2 | $ 199,000 | $ 99,000 | $ 0 |
| LAKELAND-WINTER HAVEN, FL | 2 | $ 114,000 | $ 57,000 | $ 0 |
| LONGVIEW, TX | 2 | $ 335,000 | $ 167,000 | $ 0 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 2 | $ 362,000 | $ 181,000 | $ 26,000 |
| MONTGOMERY, AL | 2 | $ 123,000 | $ 61,000 | $ 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 | $ 111,000 | $ 0 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 2 | $ 874,000 | $ 437,000 | $ 0 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 2 | $ 253,000 | $ 126,000 | $ 8,000 |
| SPARTANBURG, SC | 2 | $ 298,000 | $ 149,000 | $ 103,000 |
| STOCKTON-LODI, CA | 2 | $ 331,000 | $ 165,000 | $ 0 |
| TEXARKANA, TX-AR | 2 | $ 98,000 | $ 49,000 | $ 0 |
| UTICA-ROME, NY | 2 | $ 1,163,000 | $ 581,000 | $ 187,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2 | $ 300,000 | $ 150,000 | $ 8,000 |
| WACO, TX | 2 | $ 161,000 | $ 80,000 | $ 0 |
| WICHITA, KS | 2 | $ 293,000 | $ 146,000 | $ 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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.