AllMortgageDetail - Mortgage Application Details

Bankunited, Fsb
Mortgage Loan Application
Totals and Details
for 2007

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Mortgage Company & Address Bankunited, Fsb
7815 Nw 148Th Street
Miami Lakes, FL 33016
Federal Regulator Office of Thrift Supervision (OTS)
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 27,612
Total Mortgage Loan Application Amount $8,610,661,000
Average Mortgage Loan Application Amount $253,208
Highest Mortgage Loan Application Amount $16,971,000
Average Applicant Income $106,736
Highest Applicant Income $4,500,000

Mortgage Loan Application Detail Totals for Bankunited, Fsb in 2007

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 18,422 $6,087,934,000 $330,000 $5,950,000 $113,000 $3,361,000
Home Purchase 8,751 $2,484,476,000 $283,000 $16,971,000 $131,000 $4,500,000
Home Improvement 452 $40,849,000 $90,000 $1,700,000 $131,000 $3,192,000

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 12,752 $4,164,338,000 $326,000 $5,950,000 $132,000 $4,500,000
Hispanic 7,228 $2,038,179,000 $281,000 $4,480,000 $115,000 $2,736,000
Black or African American 3,317 $885,054,000 $266,000 $1,756,000 $86,000 $900,000
Not Provided 2,839 $965,298,000 $340,000 $2,750,000 $108,000 $1,680,000
Asian 1,205 $425,610,000 $353,000 $1,950,000 $126,000 $1,680,000
Native Hawaiin or Other Pacific Islander 174 $61,614,000 $354,000 $1,300,000 $109,000 $651,000
American Indian or Alaskan Native 82 $23,540,000 $287,000 $1,680,000 $108,000 $470,000
Not applicable 28 $49,626,000 $1,772,000 $16,971,000 $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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 27,623 $8,612,929,000 $311,000 $16,971,000 $119,000 $4,500,000
FHA-insured (Federal Housing Administration) 2 $330,000 $165,000 $320,000 $123,000 $197,000
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 Originated 11,794 $3,342,330,000 $283,000 $16,971,000 $113,000 $2,736,000
Application Denied By Financial Institution 9,123 $3,076,880,000 $337,000 $5,950,000 $126,000 $4,500,000
Application Approved But Not Accepted 5,405 $1,739,672,000 $321,000 $5,250,000 $119,000 $3,192,000
Application Withdrawn By Applicant 653 $218,487,000 $334,000 $4,480,000 $106,000 $1,518,000
File Closed For Incompleteness 650 $235,890,000 $362,000 $3,100,000 $154,000 $3,215,000
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
Debt-To-Income Ratio 2,478 $823,099,000 $332,000 $5,950,000 $107,000 $4,500,000
Credit History 2,360 $736,603,000 $312,000 $4,000,000 $112,000 $2,460,000
Other 2,050 $709,196,000 $345,000 $4,050,000 $142,000 $3,361,000
Collateral 1,308 $450,889,000 $344,000 $4,200,000 $151,000 $2,160,000
Unverifiable Information 446 $176,242,000 $395,000 $2,750,000 $152,000 $1,320,000
Credit Application Incomplete 311 $129,269,000 $415,000 $2,700,000 $148,000 $1,020,000
Employment History 169 $51,382,000 $304,000 $1,350,000 $119,000 $518,000
Insufficient Cash (Downpayment, Closing Cost) 1 $200,000 $200,000 $200,000 $102,000 $102,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0