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Act (HMDA) records Bankfinancial F.S.B filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 501 | $ 119,817,000 | $ 239,155 | $ 80,000 |
| Miami-Miami Beach-Kendall, FL | 58 | $ 1,093,000 | $ 18,844 | $ 0 |
| Wichita, KS | 47 | $ 867,000 | $ 18,446 | $ 0 |
| Lake County-Kenosha County, IL-WI | 27 | $ 7,243,000 | $ 268,259 | $ 117,222 |
| Houston-Sugar Land-Baytown, TX | 23 | $ 322,000 | $ 14,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 593,000 | $ 26,954 | $ 0 |
| Winston-Salem, NC | 18 | $ 75,000 | $ 4,166 | $ 0 |
| Orlando-Kissimmee, FL | 14 | $ 400,000 | $ 28,571 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 13 | $ 415,000 | $ 31,923 | $ 0 |
| Rochester, NY | 12 | $ 264,000 | $ 22,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 12 | $ 265,000 | $ 22,083 | $ 0 |
| Baltimore-Towson, MD | 11 | $ 313,000 | $ 28,454 | $ 0 |
| Dallas-Plano-Irving, TX | 11 | $ 1,028,000 | $ 93,454 | $ 97,000 |
| Gary, IN | 11 | $ 2,729,000 | $ 248,090 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 381,000 | $ 34,636 | $ 0 |
| San Antonio, TX | 11 | $ 69,000 | $ 6,272 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 6,836,000 | $ 683,600 | $ 0 |
| Edison, NJ | 9 | $ 479,000 | $ 53,222 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 210,000 | $ 23,333 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 9 | $ 626,000 | $ 69,555 | $ 0 |
| Oklahoma City, OK | 9 | $ 327,000 | $ 36,333 | $ 0 |
| Tulsa, OK | 9 | $ 667,000 | $ 74,111 | $ 0 |
| Oakland-Fremont-Hayward, CA | 8 | $ 126,000 | $ 15,750 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 132,000 | $ 16,500 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 415,000 | $ 51,875 | $ 0 |
| Boston-Quincy, MA | 7 | $ 26,000 | $ 3,714 | $ 0 |
| Richmond, VA | 6 | $ 151,000 | $ 25,166 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 124,000 | $ 20,666 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 200,000 | $ 40,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 5 | $ 85,000 | $ 17,000 | $ 0 |
| Denver-Aurora, CO | 5 | $ 384,000 | $ 76,800 | $ 0 |
| Flint, MI | 5 | $ 12,000 | $ 2,400 | $ 0 |
| Nassau-Suffolk, NY | 5 | $ 347,000 | $ 69,400 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 441,000 | $ 88,200 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 161,000 | $ 32,200 | $ 0 |
| Syracuse, NY | 5 | $ 145,000 | $ 29,000 | $ 0 |
| Atlantic City, NJ | 4 | $ 238,000 | $ 59,500 | $ 0 |
| El Paso, TX | 4 | $ 18,000 | $ 4,500 | $ 0 |
| Greenville, NC | 4 | $ 23,000 | $ 5,750 | $ 0 |
| Honolulu, HI | 4 | $ 69,000 | $ 17,250 | $ 0 |
| Memphis, TN-MS-AR | 4 | $ 66,000 | $ 16,500 | $ 0 |
| Newark-Union, NJ-PA | 4 | $ 281,000 | $ 70,250 | $ 0 |
| Philadelphia, PA | 4 | $ 654,000 | $ 163,500 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 139,000 | $ 34,750 | $ 0 |
| St. Louis, MO-IL | 4 | $ 83,000 | $ 20,750 | $ 0 |
| Charleston-North Charleston, SC | 3 | $ 89,000 | $ 29,666 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 149,000 | $ 49,666 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 33,000 | $ 11,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 106,000 | $ 35,333 | $ 0 |
| Lafayette, IN | 3 | $ 30,000 | $ 10,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 37,000 | $ 12,333 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 34,000 | $ 11,333 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 63,000 | $ 21,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 53,000 | $ 26,500 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 62,000 | $ 31,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Dayton, OH | 2 | $ 88,000 | $ 44,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 51,000 | $ 25,500 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Fresno, CA | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Gadsden, AL | 2 | $ 7,000 | $ 3,500 | $ 0 |
| Indianapolis-Carmel, IN | 2 | $ 25,000 | $ 12,500 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 28,000 | $ 14,000 | $ 0 |
| Louisville-Jefferson County, KY-IN | 2 | $ 81,000 | $ 40,500 | $ 0 |
| Ocean City, NJ | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 9,000 | $ 4,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 43,000 | $ 21,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 448,000 | $ 224,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Reno-Sparks, NV | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Rockford, IL | 2 | $ 263,000 | $ 131,500 | $ 44,000 |
| Rocky Mount, NC | 2 | $ 31,000 | $ 15,500 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 121,000 | $ 60,500 | $ 0 |
| Santa Barbara-Santa Maria, CA | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Tucson, AZ | 2 | $ 38,000 | $ 19,000 | $ 0 |
| Visalia-Porterville, CA | 2 | $ 30,000 | $ 15,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 341,000 | $ 170,500 | $ 0 |
| Asheville, NC | 1 | $ 193,000 | $ 193,000 | $ 82,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Bakersfield, CA | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Billings, MT | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Camden, NJ | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Columbia, SC | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Fajardo, PR | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Fayetteville, NC | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Huntsville, AL | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Ithaca, NY | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Janesville, WI | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Kankakee-Bradley, IL | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Kansas City, MO-KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Kingston, NY | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Lawton, OK | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 179,000 | $ 179,000 | $ 13,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Napa, CA | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 27,000 | $ 27,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 3,000 | $ 3,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Roanoke, VA | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Santa Fe, NM | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Savannah, GA | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Stockton, CA | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Trenton-Ewing, NJ | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Wenatchee, WA | 1 | $ 5,000 | $ 5,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 0 |
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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