Bankunited, National Association Mortgage Lending & HMDA Data, 2012
In 2012, Bankunited, National Association of Miami Lakes, FL reported 1,469 mortgage applications totaling $747.4 million, up 23% from 2011. The average application was for $508,765, and applicants reported an average income of $67,291. 17% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (298), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (167) and Los Angeles-Long Beach-Glendale, CA (132) (applications in parentheses).
| Mortgage Company & Address | Bankunited, National Association 7815 Nw 148th Street Miami Lakes, FL 33016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,469 |
| Total Mortgage Loan Application Amount | $747,376,000 |
| Average Mortgage Loan Application Amount | $508,765 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $67,291 |
| Highest Applicant Income | $4,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankunited, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Dade, Florida | 298 | $ 75,894,000 | $ 254,677 | $ 165,000 |
| Broward, Florida | 167 | $ 37,397,000 | $ 223,934 | $ 139,000 |
| Los Angeles, California | 132 | $ 143,335,000 | $ 1,085,871 | $ 0 |
| Palm Beach, Florida | 99 | $ 25,566,000 | $ 258,242 | $ 127,000 |
| Orange, California | 55 | $ 58,605,000 | $ 1,065,545 | $ 0 |
| Cuyahoga, Ohio | 41 | $ 9,751,000 | $ 237,829 | $ 0 |
| Santa Clara, California | 31 | $ 28,415,000 | $ 916,612 | $ 1,000 |
| San Diego, California | 25 | $ 22,416,000 | $ 896,640 | $ 1,000 |
| Lee, Florida | 23 | $ 5,228,000 | $ 227,304 | $ 119,000 |
| San Francisco, California | 21 | $ 22,147,000 | $ 1,054,619 | $ 0 |
| King, Washington | 19 | $ 16,601,000 | $ 873,736 | $ 0 |
| Contra Costa, California | 18 | $ 16,063,000 | $ 892,388 | $ 1,000 |
| Franklin, Ohio | 18 | $ 4,440,000 | $ 246,666 | $ 0 |
| Pinellas, Florida | 17 | $ 3,240,000 | $ 190,588 | $ 86,000 |
| Dallas, Texas | 17 | $ 13,376,000 | $ 786,823 | $ 0 |
| San Mateo, California | 15 | $ 18,614,000 | $ 1,240,933 | $ 0 |
| Sarasota, Florida | 15 | $ 4,105,000 | $ 273,666 | $ 103,000 |
| Alameda, California | 14 | $ 12,876,000 | $ 919,714 | $ 0 |
| Martin, Florida | 14 | $ 3,532,000 | $ 252,285 | $ 206,000 |
| St. Lucie, Florida | 13 | $ 1,415,000 | $ 108,846 | $ 41,000 |
| Marin, California | 12 | $ 12,413,000 | $ 1,034,416 | $ 0 |
| Cook, Illinois | 12 | $ 8,819,000 | $ 734,916 | $ 3,000 |
| Maricopa, Arizona | 11 | $ 9,232,000 | $ 839,272 | $ 0 |
| Delaware, Ohio | 11 | $ 2,811,000 | $ 255,545 | $ 0 |
| Tarrant, Texas | 11 | $ 4,167,000 | $ 378,818 | $ 0 |
| Collier, Florida | 10 | $ 1,878,000 | $ 187,800 | $ 52,000 |
| Indian River, Florida | 10 | $ 2,333,000 | $ 233,300 | $ 100,000 |
| Manatee, Florida | 10 | $ 1,156,000 | $ 115,600 | $ 57,000 |
| Oakland, Michigan | 10 | $ 3,639,000 | $ 363,900 | $ 0 |
| Hamilton, Ohio | 10 | $ 2,624,000 | $ 262,400 | $ 0 |
| Lorain, Ohio | 10 | $ 2,357,000 | $ 235,700 | $ 0 |
| Geauga, Ohio | 9 | $ 2,486,000 | $ 276,222 | $ 0 |
| Harris, Texas | 9 | $ 8,752,000 | $ 972,444 | $ 0 |
| Ventura, California | 8 | $ 8,512,000 | $ 1,064,000 | $ 0 |
| Fairfield, Connecticut | 7 | $ 8,052,000 | $ 1,150,285 | $ 0 |
| Hillsborough, Florida | 7 | $ 974,000 | $ 139,142 | $ 69,000 |
| Monroe, Florida | 7 | $ 1,851,000 | $ 264,428 | $ 174,000 |
| Fulton, Georgia | 7 | $ 6,477,000 | $ 925,285 | $ 0 |
| Fairfax, Virginia | 7 | $ 7,822,000 | $ 1,117,428 | $ 0 |
| Orange, Florida | 6 | $ 1,096,000 | $ 182,666 | $ 168,000 |
| Medina, Ohio | 6 | $ 1,267,000 | $ 211,166 | $ 0 |
| Wayne, Michigan | 5 | $ 682,000 | $ 136,400 | $ 0 |
| Butler, Ohio | 5 | $ 1,017,000 | $ 203,400 | $ 0 |
| Summit, Ohio | 5 | $ 1,245,000 | $ 249,000 | $ 0 |
| Travis, Texas | 5 | $ 3,761,000 | $ 752,200 | $ 0 |
| Sonoma, California | 4 | $ 4,880,000 | $ 1,220,000 | $ 0 |
| Denver, Colorado | 4 | $ 2,741,000 | $ 685,250 | $ 0 |
| Charlotte, Florida | 4 | $ 514,000 | $ 128,500 | $ 37,000 |
| Osceola, Florida | 4 | $ 263,000 | $ 65,750 | $ 20,000 |
| DuPage, Illinois | 4 | $ 2,219,000 | $ 554,750 | $ 0 |
| Wayne, Indiana | 4 | $ 121,000 | $ 30,250 | $ 0 |
| Middlesex, Massachusetts | 4 | $ 3,873,000 | $ 968,250 | $ 5,000 |
| Westchester, New York | 4 | $ 3,411,000 | $ 852,750 | $ 0 |
| Rowan, North Carolina | 4 | $ 146,000 | $ 36,500 | $ 0 |
| Clermont, Ohio | 4 | $ 972,000 | $ 243,000 | $ 0 |
| Oklahoma, Oklahoma | 4 | $ 2,868,000 | $ 717,000 | $ 0 |
| Clackamas, Oregon | 4 | $ 3,465,000 | $ 866,250 | $ 0 |
| Williamson, Tennessee | 4 | $ 2,230,000 | $ 557,500 | $ 0 |
| Collin, Texas | 4 | $ 2,441,000 | $ 610,250 | $ 0 |
| Parker, Texas | 4 | $ 149,000 | $ 37,250 | $ 0 |
| Riverside, California | 3 | $ 2,082,000 | $ 694,000 | $ 5,000 |
| Jefferson, Colorado | 3 | $ 1,854,000 | $ 618,000 | $ 0 |
| District of Columbia, District Of Columbia | 3 | $ 2,994,000 | $ 998,000 | $ 0 |
| Montgomery, Maryland | 3 | $ 1,711,000 | $ 570,333 | $ 0 |
| Norfolk, Massachusetts | 3 | $ 2,924,000 | $ 974,666 | $ 0 |
| Fairfield, Ohio | 3 | $ 704,000 | $ 234,666 | $ 0 |
| Portage, Ohio | 3 | $ 577,000 | $ 192,333 | $ 0 |
| Denton, Texas | 3 | $ 2,027,000 | $ 675,666 | $ 0 |
| St. Clair, Alabama | 2 | $ 163,000 | $ 81,500 | $ 0 |
| Monterey, California | 2 | $ 1,682,000 | $ 841,000 | $ 0 |
| Placer, California | 2 | $ 913,000 | $ 456,500 | $ 0 |
| Sacramento, California | 2 | $ 1,664,000 | $ 832,000 | $ 0 |
| Douglas, Colorado | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Brevard, Florida | 2 | $ 472,000 | $ 236,000 | $ 95,000 |
| Pasco, Florida | 2 | $ 117,000 | $ 58,500 | $ 54,000 |
| Polk, Florida | 2 | $ 69,000 | $ 34,500 | $ 0 |
| Marion, Indiana | 2 | $ 1,695,000 | $ 847,500 | $ 0 |
| Kenton, Kentucky | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 1,874,000 | $ 937,000 | $ 0 |
| Howard, Maryland | 2 | $ 2,091,000 | $ 1,045,500 | $ 0 |
| Worcester, Maryland | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| Suffolk, Massachusetts | 2 | $ 1,305,000 | $ 652,500 | $ 0 |
| Macomb, Michigan | 2 | $ 64,000 | $ 32,000 | $ 0 |
| Washoe, Nevada | 2 | $ 1,173,000 | $ 586,500 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 1,464,000 | $ 732,000 | $ 0 |
| Santa Fe, New Mexico | 2 | $ 1,688,000 | $ 844,000 | $ 0 |
| New York, New York | 2 | $ 2,273,000 | $ 1,136,500 | $ 0 |
| Dare, North Carolina | 2 | $ 1,188,000 | $ 594,000 | $ 0 |
| Licking, Ohio | 2 | $ 378,000 | $ 189,000 | $ 0 |
| Warren, Ohio | 2 | $ 389,000 | $ 194,500 | $ 0 |
| Fort Bend, Texas | 2 | $ 1,171,000 | $ 585,500 | $ 0 |
| Galveston, Texas | 2 | $ 32,000 | $ 16,000 | $ 0 |
| Alexandria, Virginia | 2 | $ 2,031,000 | $ 1,015,500 | $ 0 |
| Arlington, Virginia | 2 | $ 2,211,000 | $ 1,105,500 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Merced, California | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Napa, California | 1 | $ 547,000 | $ 547,000 | $ 0 |
| Santa Barbara, California | 1 | $ 1,170,000 | $ 1,170,000 | $ 0 |
| Shasta, California | 1 | $ 611,000 | $ 611,000 | $ 0 |
| Stanislaus, California | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Yolo, California | 1 | $ 727,000 | $ 727,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 1,128,000 | $ 1,128,000 | $ 0 |
| Boulder, Colorado | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Eagle, Colorado | 1 | $ 642,000 | $ 642,000 | $ 0 |
| Pitkin, Colorado | 1 | $ 1,250,000 | $ 1,250,000 | $ 0 |
| Routt, Colorado | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Sussex, Delaware | 1 | $ 914,000 | $ 914,000 | $ 0 |
| Duval, Florida | 1 | $ 53,000 | $ 53,000 | $ 44,000 |
| Hernando, Florida | 1 | $ 102,000 | $ 102,000 | $ 39,000 |
| Santa Rosa, Florida | 1 | $ 893,000 | $ 893,000 | $ 0 |
| Chatham, Georgia | 1 | $ 662,000 | $ 662,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Tift, Georgia | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Kauai, Hawaii | 1 | $ 932,000 | $ 932,000 | $ 0 |
| Lake, Illinois | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| McHenry, Illinois | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Johnson, Kansas | 1 | $ 918,000 | $ 918,000 | $ 0 |
| Boone, Kentucky | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Nantucket, Massachusetts | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Benzie, Michigan | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Grand Traverse, Michigan | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 1,803,000 | $ 1,803,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 671,000 | $ 671,000 | $ 0 |
| Gallatin, Montana | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Madison, Montana | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Pondera, Montana | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Clark, Nevada | 1 | $ 1,368,000 | $ 1,368,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Union, New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 718,000 | $ 718,000 | $ 0 |
| Nassau, New York | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Carteret, North Carolina | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 988,000 | $ 988,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Lake, Ohio | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Wayne, Ohio | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 998,000 | $ 998,000 | $ 0 |
| Deschutes, Oregon | 1 | $ 723,000 | $ 723,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 544,000 | $ 544,000 | $ 0 |
| Yamhill, Oregon | 1 | $ 573,000 | $ 573,000 | $ 0 |
| Kent, Rhode Island | 1 | $ 793,000 | $ 793,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Florence, South Carolina | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Coffee, Tennessee | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 660,000 | $ 660,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Bexar, Texas | 1 | $ 708,000 | $ 708,000 | $ 0 |
| Grayson, Texas | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Lubbock, Texas | 1 | $ 905,000 | $ 905,000 | $ 0 |
| Williamson, Texas | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 599,000 | $ 599,000 | $ 0 |
| Summit, Utah | 1 | $ 1,174,000 | $ 1,174,000 | $ 0 |
| Fairfax City, Virginia | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 1,453,000 | $ 1,453,000 | $ 0 |
| Douglas, Washington | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Island, Washington | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Pierce, Washington | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Snohomish, Washington | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Teton, Wyoming | 1 | $ 1,220,000 | $ 1,220,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bankunited, National Association in 2012
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 | 921 | $531,513,000 | $577,000 | $3,000,000 | $68,000 | $4,500,000 |
| Home Purchase | 543 | $214,796,000 | $395,000 | $2,860,000 | $66,000 | $3,016,000 |
| Home Improvement | 5 | $1,067,000 | $213,000 | $550,000 | $77,000 | $143,000 |
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 | 632 | $404,218,000 | $639,000 | $3,000,000 | $95,000 | $4,500,000 |
| Not applicable | 396 | $169,042,000 | $426,000 | $2,860,000 | $0 | $0 |
| Hispanic | 213 | $50,099,000 | $235,000 | $1,155,000 | $133,000 | $1,440,000 |
| Not Provided | 150 | $87,400,000 | $582,000 | $2,500,000 | $60,000 | $644,000 |
| Asian | 37 | $27,099,000 | $732,000 | $1,834,000 | $14,000 | $148,000 |
| Black or African American | 34 | $7,331,000 | $215,000 | $1,500,000 | $37,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,188,000 | $237,000 | $550,000 | $84,000 | $167,000 |
| American Indian or Alaskan Native | 2 | $999,000 | $499,000 | $918,000 | $18,000 | $37,000 |
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) | 1,341 | $730,228,000 | $544,000 | $3,000,000 | $70,000 | $4,500,000 |
| FHA-insured (Federal Housing Administration) | 127 | $15,966,000 | $125,000 | $358,000 | $47,000 | $380,000 |
| VA-guaranteed (Veterans Administration) | 1 | $1,182,000 | $1,182,000 | $1,182,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 923 | $595,901,000 | $645,000 | $3,000,000 | $3,000 | $67,000 |
| Loan Originated | 250 | $75,703,000 | $302,000 | $3,000,000 | $208,000 | $4,500,000 |
| Application Denied By Financial Institution | 177 | $51,520,000 | $291,000 | $1,924,000 | $153,000 | $1,440,000 |
| Application Approved But Not Accepted | 104 | $21,713,000 | $208,000 | $791,000 | $155,000 | $2,220,000 |
| Application Withdrawn By Applicant | 9 | $1,693,000 | $188,000 | $375,000 | $86,000 | $265,000 |
| File Closed For Incompleteness | 6 | $846,000 | $141,000 | $262,000 | $135,000 | $315,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 68 | $21,984,000 | $323,000 | $1,819,000 | $194,000 | $1,368,000 |
| Debt-To-Income Ratio | 64 | $18,065,000 | $282,000 | $1,924,000 | $87,000 | $644,000 |
| Other | 16 | $4,340,000 | $271,000 | $886,000 | $185,000 | $1,440,000 |
| Credit History | 12 | $2,763,000 | $230,000 | $490,000 | $199,000 | $698,000 |
| Credit Application Incomplete | 7 | $1,345,000 | $192,000 | $348,000 | $212,000 | $656,000 |
| Unverifiable Information | 4 | $1,042,000 | $260,000 | $416,000 | $161,000 | $273,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,804,000 | $451,000 | $821,000 | $203,000 | $550,000 |
| Employment History | 2 | $177,000 | $88,000 | $95,000 | $36,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankunited, National Association's 2012 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 Bankunited, National Association'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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