Bankfinancial F.S.B Mortgage Lending & HMDA Data, 2006
In 2006, Bankfinancial F.S.B of Burr Ridge, IL reported 1,174 mortgage applications totaling $159.7 million, up 5% from 2005. The average application was for $136,053, and applicants reported an average income of $39,841. 31% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (501), Miami-Miami Beach-Kendall, FL (58) and Wichita, KS (47) (applications in parentheses).
| Mortgage Company & Address | Bankfinancial F.S.B 15w060 North Frontage Rd Burr Ridge, IL 60527 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,174 |
| Total Mortgage Loan Application Amount | $159,727,000 |
| Average Mortgage Loan Application Amount | $136,053 |
| Highest Mortgage Loan Application Amount | $5,060,000 |
| Average Applicant Income | $39,841 |
| Highest Applicant Income | $4,812,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankfinancial F.S.B filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 349 | $ 93,028,000 | $ 266,555 | $ 81,000 |
| Will, Illinois | 75 | $ 10,357,000 | $ 138,093 | $ 73,000 |
| Miami-Dade, Florida | 58 | $ 1,093,000 | $ 18,844 | $ 0 |
| Sedgwick, Kansas | 47 | $ 867,000 | $ 18,446 | $ 0 |
| DuPage, Illinois | 42 | $ 9,298,000 | $ 221,380 | $ 107,000 |
| Lake, Illinois | 26 | $ 6,498,000 | $ 249,923 | $ 107,000 |
| Los Angeles, California | 22 | $ 593,000 | $ 26,954 | $ 0 |
| Harris, Texas | 19 | $ 178,000 | $ 9,368 | $ 0 |
| Forsyth, North Carolina | 18 | $ 75,000 | $ 4,166 | $ 0 |
| Kane, Illinois | 16 | $ 2,939,000 | $ 183,687 | $ 57,000 |
| Orange, California | 12 | $ 265,000 | $ 22,083 | $ 0 |
| Lake, Indiana | 11 | $ 2,729,000 | $ 248,090 | $ 69,000 |
| Bexar, Texas | 11 | $ 69,000 | $ 6,272 | $ 0 |
| Orange, Florida | 10 | $ 327,000 | $ 32,700 | $ 0 |
| Monroe, New York | 10 | $ 253,000 | $ 25,300 | $ 0 |
| Orangeburg, South Carolina | 10 | $ 291,000 | $ 29,100 | $ 0 |
| Broward, Florida | 9 | $ 210,000 | $ 23,333 | $ 0 |
| Dallas, Texas | 9 | $ 280,000 | $ 31,111 | $ 0 |
| Hennepin, Minnesota | 8 | $ 5,112,000 | $ 639,000 | $ 0 |
| Alameda, California | 7 | $ 97,000 | $ 13,857 | $ 0 |
| Tulsa, Oklahoma | 7 | $ 563,000 | $ 80,428 | $ 0 |
| San Bernardino, California | 6 | $ 126,000 | $ 21,000 | $ 0 |
| Upson, Georgia | 6 | $ 116,000 | $ 19,333 | $ 0 |
| Kendall, Illinois | 6 | $ 1,145,000 | $ 190,833 | $ 64,000 |
| McHenry, Illinois | 6 | $ 1,496,000 | $ 249,333 | $ 48,000 |
| Virginia Beach, Virginia | 6 | $ 95,000 | $ 15,833 | $ 0 |
| Riverside, California | 5 | $ 255,000 | $ 51,000 | $ 0 |
| Santa Clara, California | 5 | $ 161,000 | $ 32,200 | $ 0 |
| Denver, Colorado | 5 | $ 384,000 | $ 76,800 | $ 0 |
| Fairfield, Connecticut | 5 | $ 200,000 | $ 40,000 | $ 0 |
| Genesee, Michigan | 5 | $ 12,000 | $ 2,400 | $ 0 |
| Erie, New York | 5 | $ 85,000 | $ 17,000 | $ 0 |
| Cleveland, Oklahoma | 5 | $ 117,000 | $ 23,400 | $ 0 |
| DeKalb, Georgia | 4 | $ 135,000 | $ 33,750 | $ 0 |
| Fulton, Georgia | 4 | $ 110,000 | $ 27,500 | $ 0 |
| Honolulu, Hawaii | 4 | $ 69,000 | $ 17,250 | $ 0 |
| Grundy, Illinois | 4 | $ 1,234,000 | $ 308,500 | $ 47,000 |
| Baltimore, Maryland | 4 | $ 119,000 | $ 29,750 | $ 0 |
| Baltimore City, Maryland | 4 | $ 90,000 | $ 22,500 | $ 0 |
| Suffolk, Massachusetts | 4 | $ 13,000 | $ 3,250 | $ 0 |
| Oakland, Michigan | 4 | $ 71,000 | $ 17,750 | $ 0 |
| Atlantic, New Jersey | 4 | $ 238,000 | $ 59,500 | $ 0 |
| Onondaga, New York | 4 | $ 130,000 | $ 32,500 | $ 0 |
| Pitt, North Carolina | 4 | $ 23,000 | $ 5,750 | $ 0 |
| Oklahoma, Oklahoma | 4 | $ 210,000 | $ 52,500 | $ 0 |
| Bamberg, South Carolina | 4 | $ 95,000 | $ 23,750 | $ 0 |
| Shelby, Tennessee | 4 | $ 66,000 | $ 16,500 | $ 0 |
| El Paso, Texas | 4 | $ 18,000 | $ 4,500 | $ 0 |
| Maricopa, Arizona | 3 | $ 37,000 | $ 12,333 | $ 0 |
| San Diego, California | 3 | $ 34,000 | $ 11,333 | $ 0 |
| San Francisco, California | 3 | $ 353,000 | $ 117,666 | $ 0 |
| District of Columbia, District Of Columbia | 3 | $ 216,000 | $ 72,000 | $ 0 |
| Seminole, Florida | 3 | $ 34,000 | $ 11,333 | $ 0 |
| DeKalb, Illinois | 3 | $ 320,000 | $ 106,666 | $ 48,000 |
| Tippecanoe, Indiana | 3 | $ 30,000 | $ 10,000 | $ 0 |
| Prince George's, Maryland | 3 | $ 61,000 | $ 20,333 | $ 0 |
| Kent, Michigan | 3 | $ 106,000 | $ 35,333 | $ 0 |
| Wayne, Michigan | 3 | $ 33,000 | $ 11,000 | $ 0 |
| Middlesex, New Jersey | 3 | $ 78,000 | $ 26,000 | $ 0 |
| Ocean, New Jersey | 3 | $ 87,000 | $ 29,000 | $ 0 |
| Union, New Jersey | 3 | $ 175,000 | $ 58,333 | $ 0 |
| Bronx, New York | 3 | $ 121,000 | $ 40,333 | $ 0 |
| Suffolk, New York | 3 | $ 58,000 | $ 19,333 | $ 0 |
| Multnomah, Oregon | 3 | $ 132,000 | $ 44,000 | $ 0 |
| Etowah, Alabama | 2 | $ 7,000 | $ 3,500 | $ 0 |
| Pima, Arizona | 2 | $ 38,000 | $ 19,000 | $ 0 |
| Fresno, California | 2 | $ 96,000 | $ 48,000 | $ 0 |
| San Mateo, California | 2 | $ 88,000 | $ 44,000 | $ 0 |
| Santa Barbara, California | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Tulare, California | 2 | $ 30,000 | $ 15,000 | $ 0 |
| Ventura, California | 2 | $ 9,000 | $ 4,500 | $ 0 |
| Pinellas, Florida | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Volusia, Florida | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Clayton, Georgia | 2 | $ 15,000 | $ 7,500 | $ 0 |
| Howard, Maryland | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Middlesex, Massachusetts | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Plymouth, Massachusetts | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Macomb, Michigan | 2 | $ 53,000 | $ 26,500 | $ 0 |
| St. Louis, Missouri | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Washoe, Nevada | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Cape May, New Jersey | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Somerset, New Jersey | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Warren, New Jersey | 2 | $ 62,000 | $ 31,000 | $ 0 |
| Nassau, New York | 2 | $ 289,000 | $ 144,500 | $ 0 |
| Orange, New York | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Queens, New York | 2 | $ 213,000 | $ 106,500 | $ 0 |
| Edgecombe, North Carolina | 2 | $ 31,000 | $ 15,500 | $ 0 |
| Bryan, Oklahoma | 2 | $ 109,000 | $ 54,500 | $ 0 |
| Allegheny, Pennsylvania | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Bucks, Pennsylvania | 2 | $ 81,000 | $ 40,500 | $ 0 |
| Colleton, South Carolina | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Dorchester, South Carolina | 2 | $ 79,000 | $ 39,500 | $ 0 |
| Bell, Texas | 2 | $ 28,000 | $ 14,000 | $ 0 |
| Kleberg, Texas | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Tarrant, Texas | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Petersburg, Virginia | 2 | $ 13,000 | $ 6,500 | $ 0 |
| Chambers, Alabama | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Madison, Alabama | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Mohave, Arizona | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Contra Costa, California | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Kern, California | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Mendocino, California | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Napa, California | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Sacramento, California | 1 | $ 55,000 | $ 55,000 | $ 0 |
| San Joaquin, California | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Santa Cruz, California | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Sonoma, California | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Yolo, California | 1 | $ 66,000 | $ 66,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Charlotte, Florida | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Citrus, Florida | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Collier, Florida | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Escambia, Florida | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Osceola, Florida | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 26,000 | $ 26,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Chatham, Georgia | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Haralson, Georgia | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Henry, Georgia | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Richmond, Georgia | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Troup, Georgia | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Boone, Illinois | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Carroll, Illinois | 1 | $ 280,000 | $ 280,000 | $ 108,000 |
| Champaign, Illinois | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Coles, Illinois | 1 | $ 76,000 | $ 76,000 | $ 168,000 |
| Kankakee, Illinois | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| LaSalle, Illinois | 1 | $ 127,000 | $ 127,000 | $ 38,000 |
| Lee, Illinois | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 123,000 | $ 123,000 | $ 51,000 |
| Hamilton, Indiana | 1 | $ 20,000 | $ 20,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 179,000 | $ 179,000 | $ 13,000 |
| Marion, Indiana | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Whitley, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Miami, Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Reno, Kansas | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Campbell, Kentucky | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Spencer, Kentucky | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Carroll, Maryland | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Garrett, Maryland | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Montgomery, Maryland | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Antrim, Michigan | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Arenac, Michigan | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Freeborn, Minnesota | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Wright, Minnesota | 1 | $ 1,024,000 | $ 1,024,000 | $ 0 |
| Jefferson, Missouri | 1 | $ 6,000 | $ 6,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Clark, Nevada | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Monmouth, New Jersey | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Morris, New Jersey | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Curry, New Mexico | 1 | $ 11,000 | $ 11,000 | $ 0 |
| McKinley, New Mexico | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Albany, New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Kings, New York | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Ontario, New York | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Oswego, New York | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Richmond, New York | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Saratoga, New York | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Tompkins, New York | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Ulster, New York | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Wayne, New York | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Westchester, New York | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Buncombe, North Carolina | 1 | $ 193,000 | $ 193,000 | $ 82,000 |
| Catawba, North Carolina | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Hoke, North Carolina | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Lenoir, North Carolina | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Moore, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Miami, Ohio | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Trumbull, Ohio | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Comanche, Oklahoma | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Creek, Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Le Flore, Oklahoma | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Okmulgee, Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Clatsop, Oregon | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Columbia, Oregon | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Douglas, Oregon | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Montgomery, Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Fajardo, Puerto Rico | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Calhoun, South Carolina | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Clarendon, South Carolina | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Jasper, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 27,000 | $ 27,000 | $ 0 |
| McMinn, Tennessee | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Bastrop, Texas | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Brazoria, Texas | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Collin, Texas | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Denton, Texas | 1 | $ 700,000 | $ 700,000 | $ 1,075,000 |
| Galveston, Texas | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Montgomery, Texas | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Nueces, Texas | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Panola, Texas | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Travis, Texas | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Val Verde, Texas | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Waller, Texas | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Rutland, Vermont | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Arlington, Virginia | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Dinwiddie, Virginia | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Hopewell, Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Portsmouth, Virginia | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Prince George, Virginia | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Roanoke City, Virginia | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Adams, Washington | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Chelan, Washington | 1 | $ 5,000 | $ 5,000 | $ 0 |
| King, Washington | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Kenosha, Wisconsin | 1 | $ 745,000 | $ 745,000 | $ 383,000 |
| Milwaukee, Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Rock, Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Bankfinancial F.S.B in 2006
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 | 852 | $79,547,000 | $93,000 | $1,673,000 | $23,000 | $1,080,000 |
| Refinancing | 314 | $79,761,000 | $254,000 | $5,060,000 | $85,000 | $4,812,000 |
| Home Improvement | 8 | $419,000 | $52,000 | $120,000 | $61,000 | $140,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 627 | $35,125,000 | $56,000 | $5,060,000 | $0 | $132,000 |
| White | 307 | $72,893,000 | $237,000 | $1,275,000 | $90,000 | $1,080,000 |
| Black or African American | 104 | $16,823,000 | $161,000 | $781,000 | $52,000 | $221,000 |
| Not Provided | 66 | $18,127,000 | $274,000 | $2,100,000 | $137,000 | $4,812,000 |
| Hispanic | 40 | $8,859,000 | $221,000 | $1,673,000 | $56,000 | $184,000 |
| Asian | 21 | $6,569,000 | $312,000 | $950,000 | $46,000 | $131,000 |
| American Indian or Alaskan Native | 8 | $1,007,000 | $125,000 | $230,000 | $147,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $324,000 | $324,000 | $324,000 | $107,000 | $107,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,174 | $159,727,000 | $136,000 | $5,060,000 | $40,000 | $4,812,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 674 | $31,547,000 | $46,000 | $512,000 | $8,000 | $375,000 |
| Loan Originated | 361 | $90,731,000 | $251,000 | $5,060,000 | $74,000 | $1,080,000 |
| Application Withdrawn By Applicant | 42 | $15,649,000 | $372,000 | $1,275,000 | $81,000 | $312,000 |
| Application Denied By Financial Institution | 41 | $10,567,000 | $257,000 | $740,000 | $67,000 | $411,000 |
| Preapproval Denied by Financial Institution | 23 | $3,487,000 | $151,000 | $610,000 | $39,000 | $93,000 |
| Application Approved But Not Accepted | 20 | $4,647,000 | $232,000 | $1,000,000 | $322,000 | $4,812,000 |
| File Closed For Incompleteness | 13 | $3,099,000 | $238,000 | $665,000 | $63,000 | $210,000 |
| Preapproval Approved but not Accepted | 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 | 31 | $5,162,000 | $166,000 | $610,000 | $37,000 | $108,000 |
| Credit History | 13 | $2,028,000 | $156,000 | $680,000 | $52,000 | $120,000 |
| Collateral | 10 | $3,527,000 | $352,000 | $725,000 | $107,000 | $411,000 |
| Other | 6 | $1,522,000 | $253,000 | $700,000 | $54,000 | $91,000 |
| Unverifiable Information | 3 | $1,115,000 | $371,000 | $740,000 | $141,000 | $270,000 |
| Credit Application Incomplete | 1 | $700,000 | $700,000 | $700,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankfinancial F.S.B's 2006 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 Bankfinancial F.S.B'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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