Bankunited, National Association Mortgage Lending & HMDA Data, 2015
In 2015, Bankunited, National Association of Miami Lakes, FL reported 1,726 mortgage applications totaling $1.5 billion, down 2% from 2014. The average application was for $892,200, and applicants reported an average income of $88,061. 27% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (311), Miami-Miami Beach-Kendall, FL (258) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (165) (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 | 1,726 |
| Total Mortgage Loan Application Amount | $1,539,938,000 |
| Average Mortgage Loan Application Amount | $892,200 |
| Highest Mortgage Loan Application Amount | $45,458,000 |
| Average Applicant Income | $88,061 |
| Highest Applicant Income | $3,141,000 |
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Bankunited, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 258 | $ 166,967,000 | $ 647,158 | $ 160,000 |
| Broward, Florida | 165 | $ 51,626,000 | $ 312,884 | $ 146,000 |
| New York, New York | 162 | $ 280,795,000 | $ 1,733,302 | $ 156,000 |
| Palm Beach, Florida | 90 | $ 40,543,000 | $ 450,477 | $ 180,000 |
| Kings, New York | 69 | $ 95,816,000 | $ 1,388,637 | $ 127,000 |
| District of Columbia, District Of Columbia | 62 | $ 48,099,000 | $ 775,790 | $ 0 |
| Los Angeles, California | 53 | $ 50,822,000 | $ 958,905 | $ 0 |
| Orange, California | 45 | $ 45,432,000 | $ 1,009,600 | $ 0 |
| Suffolk, New York | 43 | $ 36,393,000 | $ 846,348 | $ 254,000 |
| Montgomery, Maryland | 33 | $ 28,281,000 | $ 857,000 | $ 0 |
| Fairfax, Virginia | 31 | $ 22,037,000 | $ 710,870 | $ 0 |
| Orange, Florida | 28 | $ 56,302,000 | $ 2,010,785 | $ 49,000 |
| Cook, Illinois | 26 | $ 25,681,000 | $ 987,730 | $ 0 |
| Nassau, New York | 26 | $ 21,105,000 | $ 811,730 | $ 133,000 |
| San Diego, California | 25 | $ 21,007,000 | $ 840,280 | $ 0 |
| Collier, Florida | 24 | $ 13,083,000 | $ 545,125 | $ 106,000 |
| Fairfield, Connecticut | 22 | $ 25,950,000 | $ 1,179,545 | $ 8,000 |
| Pinellas, Florida | 22 | $ 6,851,000 | $ 311,409 | $ 102,000 |
| Westchester, New York | 21 | $ 20,316,000 | $ 967,428 | $ 67,000 |
| King, Washington | 21 | $ 16,109,000 | $ 767,095 | $ 0 |
| Santa Clara, California | 20 | $ 18,362,000 | $ 918,100 | $ 0 |
| Bergen, New Jersey | 13 | $ 11,435,000 | $ 879,615 | $ 66,000 |
| Somerset, New Jersey | 13 | $ 8,142,000 | $ 626,307 | $ 11,000 |
| Bronx, New York | 13 | $ 18,725,000 | $ 1,440,384 | $ 0 |
| Arlington, Virginia | 13 | $ 9,434,000 | $ 725,692 | $ 0 |
| Seminole, Florida | 12 | $ 5,492,000 | $ 457,666 | $ 41,000 |
| Morris, New Jersey | 12 | $ 8,685,000 | $ 723,750 | $ 0 |
| Hillsborough, Florida | 11 | $ 20,705,000 | $ 1,882,272 | $ 123,000 |
| Maricopa, Arizona | 10 | $ 6,978,000 | $ 697,800 | $ 0 |
| Sarasota, Florida | 10 | $ 3,552,000 | $ 355,200 | $ 124,000 |
| Alexandria, Virginia | 10 | $ 6,277,000 | $ 627,700 | $ 0 |
| San Mateo, California | 9 | $ 6,261,000 | $ 695,666 | $ 0 |
| Martin, Florida | 9 | $ 3,129,000 | $ 347,666 | $ 176,000 |
| Middlesex, Massachusetts | 9 | $ 5,897,000 | $ 655,222 | $ 0 |
| Essex, New Jersey | 9 | $ 6,319,000 | $ 702,111 | $ 0 |
| San Francisco, California | 8 | $ 6,686,000 | $ 835,750 | $ 0 |
| Denver, Colorado | 8 | $ 5,648,000 | $ 706,000 | $ 0 |
| Mercer, New Jersey | 8 | $ 5,288,000 | $ 661,000 | $ 0 |
| Queens, New York | 8 | $ 5,539,000 | $ 692,375 | $ 97,000 |
| Loudoun, Virginia | 8 | $ 4,997,000 | $ 624,625 | $ 0 |
| Contra Costa, California | 7 | $ 6,136,000 | $ 876,571 | $ 0 |
| Fulton, Georgia | 7 | $ 4,682,000 | $ 668,857 | $ 0 |
| Suffolk, Massachusetts | 7 | $ 4,593,000 | $ 656,142 | $ 0 |
| Oakland, Michigan | 7 | $ 4,749,000 | $ 678,428 | $ 0 |
| Middlesex, New Jersey | 7 | $ 3,432,000 | $ 490,285 | $ 14,000 |
| Monmouth, New Jersey | 7 | $ 4,185,000 | $ 597,857 | $ 146,000 |
| Harris, Texas | 7 | $ 5,653,000 | $ 807,571 | $ 0 |
| Travis, Texas | 7 | $ 4,189,000 | $ 598,428 | $ 0 |
| Brevard, Florida | 6 | $ 2,128,000 | $ 354,666 | $ 105,000 |
| Monroe, Florida | 6 | $ 37,580,000 | $ 6,263,333 | $ 261,000 |
| Dallas, Texas | 6 | $ 5,360,000 | $ 893,333 | $ 0 |
| Alameda, California | 5 | $ 3,259,000 | $ 651,800 | $ 0 |
| Arapahoe, Colorado | 5 | $ 3,667,000 | $ 733,400 | $ 0 |
| Lee, Florida | 5 | $ 2,758,000 | $ 551,600 | $ 32,000 |
| St. Lucie, Florida | 5 | $ 887,000 | $ 177,400 | $ 61,000 |
| Riverside, California | 4 | $ 3,435,000 | $ 858,750 | $ 0 |
| Sonoma, California | 4 | $ 3,314,000 | $ 828,500 | $ 0 |
| Ventura, California | 4 | $ 3,108,000 | $ 777,000 | $ 0 |
| Boulder, Colorado | 4 | $ 2,355,000 | $ 588,750 | $ 0 |
| Pitkin, Colorado | 4 | $ 7,407,000 | $ 1,851,750 | $ 0 |
| Manatee, Florida | 4 | $ 844,000 | $ 211,000 | $ 21,000 |
| Pasco, Florida | 4 | $ 573,000 | $ 143,250 | $ 59,000 |
| DuPage, Illinois | 4 | $ 3,229,000 | $ 807,250 | $ 0 |
| Lake, Illinois | 4 | $ 2,889,000 | $ 722,250 | $ 0 |
| Barnstable, Massachusetts | 4 | $ 2,452,000 | $ 613,000 | $ 0 |
| St. Louis, Missouri | 4 | $ 2,993,000 | $ 748,250 | $ 0 |
| Richmond, New York | 4 | $ 1,728,000 | $ 432,000 | $ 114,000 |
| San Bernardino, California | 3 | $ 1,756,000 | $ 585,333 | $ 0 |
| Santa Cruz, California | 3 | $ 2,522,000 | $ 840,666 | $ 0 |
| Douglas, Colorado | 3 | $ 2,781,000 | $ 927,000 | $ 0 |
| DeKalb, Georgia | 3 | $ 2,429,000 | $ 809,666 | $ 0 |
| Hudson, New Jersey | 3 | $ 1,617,000 | $ 539,000 | $ 0 |
| Ocean, New Jersey | 3 | $ 1,278,000 | $ 426,000 | $ 287,000 |
| Union, New Jersey | 3 | $ 2,189,000 | $ 729,666 | $ 260,000 |
| Collin, Texas | 3 | $ 1,889,000 | $ 629,666 | $ 0 |
| Jefferson, Alabama | 2 | $ 2,068,000 | $ 1,034,000 | $ 0 |
| Placer, California | 2 | $ 2,814,000 | $ 1,407,000 | $ 0 |
| Santa Barbara, California | 2 | $ 1,596,000 | $ 798,000 | $ 0 |
| Sussex, Delaware | 2 | $ 1,530,000 | $ 765,000 | $ 0 |
| Alachua, Florida | 2 | $ 801,000 | $ 400,500 | $ 38,000 |
| Charlotte, Florida | 2 | $ 1,255,000 | $ 627,500 | $ 69,000 |
| Duval, Florida | 2 | $ 20,850,000 | $ 10,425,000 | $ 0 |
| Flagler, Florida | 2 | $ 13,438,000 | $ 6,719,000 | $ 23,000 |
| Indian River, Florida | 2 | $ 753,000 | $ 376,500 | $ 182,000 |
| Lake, Florida | 2 | $ 35,817,000 | $ 17,908,500 | $ 0 |
| Osceola, Florida | 2 | $ 898,000 | $ 449,000 | $ 78,000 |
| St. Johns, Florida | 2 | $ 1,116,000 | $ 558,000 | $ 0 |
| Volusia, Florida | 2 | $ 601,000 | $ 300,500 | $ 79,000 |
| Worcester, Maryland | 2 | $ 1,253,000 | $ 626,500 | $ 0 |
| Dukes, Massachusetts | 2 | $ 2,010,000 | $ 1,005,000 | $ 0 |
| Worcester, Massachusetts | 2 | $ 1,099,000 | $ 549,500 | $ 0 |
| Hennepin, Minnesota | 2 | $ 1,122,000 | $ 561,000 | $ 0 |
| Cape May, New Jersey | 2 | $ 1,149,000 | $ 574,500 | $ 0 |
| Mecklenburg, North Carolina | 2 | $ 2,081,000 | $ 1,040,500 | $ 0 |
| Wake, North Carolina | 2 | $ 1,464,000 | $ 732,000 | $ 0 |
| Clackamas, Oregon | 2 | $ 1,217,000 | $ 608,500 | $ 0 |
| Washington, Oregon | 2 | $ 987,000 | $ 493,500 | $ 0 |
| Chester, Pennsylvania | 2 | $ 1,556,000 | $ 778,000 | $ 0 |
| Philadelphia, Pennsylvania | 2 | $ 5,046,000 | $ 2,523,000 | $ 0 |
| Charleston, South Carolina | 2 | $ 1,189,000 | $ 594,500 | $ 0 |
| Davidson, Tennessee | 2 | $ 1,478,000 | $ 739,000 | $ 0 |
| Williamson, Tennessee | 2 | $ 1,338,000 | $ 669,000 | $ 0 |
| Montgomery, Texas | 2 | $ 1,004,000 | $ 502,000 | $ 0 |
| Pierce, Washington | 2 | $ 1,092,000 | $ 546,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Pima, Arizona | 1 | $ 654,000 | $ 654,000 | $ 0 |
| Marin, California | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Sacramento, California | 1 | $ 670,000 | $ 670,000 | $ 0 |
| San Joaquin, California | 1 | $ 512,000 | $ 512,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Adams, Colorado | 1 | $ 534,000 | $ 534,000 | $ 0 |
| Eagle, Colorado | 1 | $ 728,000 | $ 728,000 | $ 0 |
| El Paso, Colorado | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Routt, Colorado | 1 | $ 668,000 | $ 668,000 | $ 0 |
| Summit, Colorado | 1 | $ 1,127,000 | $ 1,127,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Highlands, Florida | 1 | $ 57,000 | $ 57,000 | $ 44,000 |
| Okaloosa, Florida | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Polk, Florida | 1 | $ 107,000 | $ 107,000 | $ 206,000 |
| Fannin, Georgia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 1,435,000 | $ 1,435,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 693,000 | $ 693,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 931,000 | $ 931,000 | $ 0 |
| Johnson, Kansas | 1 | $ 482,000 | $ 482,000 | $ 0 |
| East Baton Rouge, Louisiana | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Waldo, Maine | 1 | $ 683,000 | $ 683,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 687,000 | $ 687,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 160,000 | $ 160,000 | $ 125,000 |
| Calvert, Maryland | 1 | $ 1,665,000 | $ 1,665,000 | $ 0 |
| Talbot, Maryland | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 657,000 | $ 657,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Kent, Michigan | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 543,000 | $ 543,000 | $ 0 |
| Clark, Nevada | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Douglas, Nevada | 1 | $ 2,663,000 | $ 2,663,000 | $ 0 |
| Washoe, Nevada | 1 | $ 796,000 | $ 796,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Camden, New Jersey | 1 | $ 310,000 | $ 310,000 | $ 99,000 |
| Passaic, New Jersey | 1 | $ 532,000 | $ 532,000 | $ 0 |
| Lincoln, New Mexico | 1 | $ 897,000 | $ 897,000 | $ 0 |
| Columbia, New York | 1 | $ 506,000 | $ 506,000 | $ 272,000 |
| Dutchess, New York | 1 | $ 4,500,000 | $ 4,500,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 553,000 | $ 553,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 1,149,000 | $ 1,149,000 | $ 0 |
| Union, North Carolina | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Burleigh, North Dakota | 1 | $ 726,000 | $ 726,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 518,000 | $ 518,000 | $ 0 |
| Warren, Ohio | 1 | $ 647,000 | $ 647,000 | $ 0 |
| Newport, Rhode Island | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Denton, Texas | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 527,000 | $ 527,000 | $ 0 |
| Rockwall, Texas | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Tarrant, Texas | 1 | $ 996,000 | $ 996,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Washington, Utah | 1 | $ 979,000 | $ 979,000 | $ 0 |
| Chittenden, Vermont | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Fauquier, Virginia | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Henrico, Virginia | 1 | $ 957,000 | $ 957,000 | $ 0 |
| Northampton, Virginia | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Clark, Washington | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Washington, Wisconsin | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 597,000 | $ 597,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bankunited, National Association 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 971 | $801,689,000 | $825,000 | $45,458,000 | $79,000 | $1,734,000 |
| Refinancing | 719 | $712,808,000 | $991,000 | $35,000,000 | $99,000 | $3,141,000 |
| Home Improvement | 36 | $25,441,000 | $706,000 | $2,170,000 | $114,000 | $808,000 |
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 | 957 | $1,183,450,000 | $1,236,000 | $45,458,000 | $0 | $0 |
| White | 357 | $226,118,000 | $633,000 | $4,000,000 | $273,000 | $1,734,000 |
| Hispanic | 251 | $83,792,000 | $333,000 | $5,000,000 | $145,000 | $3,141,000 |
| Black or African American | 87 | $9,702,000 | $111,000 | $578,000 | $54,000 | $300,000 |
| Asian | 48 | $23,904,000 | $498,000 | $2,210,000 | $150,000 | $931,000 |
| Not Provided | 22 | $12,182,000 | $553,000 | $2,665,000 | $272,000 | $1,020,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $790,000 | $197,000 | $500,000 | $101,000 | $274,000 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,718 | $1,538,299,000 | $895,000 | $45,458,000 | $88,000 | $3,141,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,639,000 | $204,000 | $328,000 | $50,000 | $93,000 |
| 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 Purchased By The Institution | 882 | $712,831,000 | $808,000 | $4,160,000 | $0 | $196,000 |
| Loan Originated | 461 | $588,622,000 | $1,276,000 | $45,458,000 | $200,000 | $3,141,000 |
| Application Denied By Financial Institution | 238 | $102,774,000 | $431,000 | $8,400,000 | $126,000 | $1,800,000 |
| Application Withdrawn By Applicant | 68 | $88,217,000 | $1,297,000 | $13,100,000 | $167,000 | $1,427,000 |
| Application Approved But Not Accepted | 67 | $43,775,000 | $653,000 | $3,882,000 | $254,000 | $1,734,000 |
| File Closed For Incompleteness | 10 | $3,719,000 | $371,000 | $618,000 | $125,000 | $225,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 70 | $27,494,000 | $392,000 | $4,000,000 | $102,000 | $811,000 |
| Collateral | 59 | $20,280,000 | $343,000 | $2,130,000 | $154,000 | $1,020,000 |
| Credit History | 58 | $20,620,000 | $355,000 | $2,000,000 | $158,000 | $896,000 |
| Other | 34 | $12,068,000 | $354,000 | $5,000,000 | $106,000 | $1,800,000 |
| Employment History | 6 | $539,000 | $89,000 | $185,000 | $85,000 | $297,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $810,000 | $162,000 | $372,000 | $54,000 | $106,000 |
| Unverifiable Information | 1 | $190,000 | $190,000 | $190,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankunited, National Association'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 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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