Bankunited, National Association Mortgage Lending & HMDA Data, 2016

In 2016, Bankunited, National Association of Miami Lakes, FL reported 1,639 mortgage applications totaling $1.5 billion, down 5% from 2015. The average application was for $934,693, and applicants reported an average income of $18,502. 7% of its applications resulted in an originated loan and 1% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (303), Washington-Arlington-Alexandria, DC-VA-MD-WV (208) and Los Angeles-Long Beach-Glendale, CA (89) (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 1,639
Total Mortgage Loan Application Amount $1,531,962,000
Average Mortgage Loan Application Amount $934,693
Highest Mortgage Loan Application Amount $38,500,000
Average Applicant Income $18,502
Highest Applicant Income $2,366,000

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Bankunited, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bankunited, National Association by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
New York, New York 168 $ 211,047,000 $ 1,256,232 $ 44,000
District of Columbia, District Of Columbia 100 $ 78,208,000 $ 782,080 $ 0
Los Angeles, California 89 $ 83,951,000 $ 943,269 $ 0
Kings, New York 72 $ 107,932,000 $ 1,499,055 $ 15,000
Miami-Dade, Florida 57 $ 26,865,000 $ 471,315 $ 81,000
King, Washington 53 $ 39,846,000 $ 751,811 $ 0
Cook, Illinois 50 $ 35,763,000 $ 715,260 $ 0
Orange, California 49 $ 47,435,000 $ 968,061 $ 0
Fairfax, Virginia 44 $ 29,901,000 $ 679,568 $ 0
Palm Beach, Florida 43 $ 38,460,000 $ 894,418 $ 22,000
Arlington, Virginia 38 $ 28,123,000 $ 740,078 $ 0
Montgomery, Maryland 36 $ 29,652,000 $ 823,666 $ 0
Santa Clara, California 32 $ 27,225,000 $ 850,781 $ 0
Broward, Florida 31 $ 47,979,000 $ 1,547,709 $ 73,000
San Francisco, California 30 $ 29,294,000 $ 976,466 $ 0
Suffolk, New York 29 $ 26,539,000 $ 915,137 $ 154,000
San Diego, California 24 $ 26,673,000 $ 1,111,375 $ 95,000
Orange, Florida 23 $ 21,364,000 $ 928,869 $ 38,000
Alameda, California 21 $ 17,417,000 $ 829,380 $ 0
San Mateo, California 21 $ 20,349,000 $ 969,000 $ 0
Fairfield, Connecticut 19 $ 22,412,000 $ 1,179,578 $ 0
Pinellas, Florida 17 $ 20,220,000 $ 1,189,411 $ 62,000
Westchester, New York 16 $ 13,410,000 $ 838,125 $ 21,000
Maricopa, Arizona 14 $ 13,496,000 $ 964,000 $ 0
Collier, Florida 14 $ 11,033,000 $ 788,071 $ 42,000
Alexandria, Virginia 14 $ 8,810,000 $ 629,285 $ 0
Nassau, New York 13 $ 12,351,000 $ 950,076 $ 56,000
Contra Costa, California 11 $ 10,441,000 $ 949,181 $ 0
Boulder, Colorado 11 $ 8,068,000 $ 733,454 $ 0
Dallas, Texas 11 $ 7,030,000 $ 639,090 $ 0
Travis, Texas 11 $ 8,595,000 $ 781,363 $ 0
Hillsborough, Florida 10 $ 10,612,000 $ 1,061,200 $ 0
Middlesex, Massachusetts 10 $ 6,986,000 $ 698,600 $ 0
Queens, New York 10 $ 19,446,000 $ 1,944,600 $ 165,000
Marin, California 9 $ 8,320,000 $ 924,444 $ 0
Denver, Colorado 9 $ 7,302,000 $ 811,333 $ 0
Pitkin, Colorado 9 $ 9,506,000 $ 1,056,222 $ 0
Union, New Jersey 9 $ 6,158,000 $ 684,222 $ 0
Loudoun, Virginia 9 $ 5,616,000 $ 624,000 $ 0
Sarasota, Florida 8 $ 4,161,000 $ 520,125 $ 0
St. Johns, Florida 8 $ 4,402,000 $ 550,250 $ 0
Fulton, Georgia 8 $ 7,095,000 $ 886,875 $ 0
DuPage, Illinois 8 $ 5,668,000 $ 708,500 $ 0
Oakland, Michigan 8 $ 5,243,000 $ 655,375 $ 0
Essex, New Jersey 8 $ 5,869,000 $ 733,625 $ 0
Middlesex, New Jersey 8 $ 4,199,000 $ 524,875 $ 17,000
Douglas, Colorado 7 $ 4,524,000 $ 646,285 $ 0
Eagle, Colorado 7 $ 7,412,000 $ 1,058,857 $ 0
Brevard, Florida 7 $ 4,281,000 $ 611,571 $ 72,000
Monmouth, New Jersey 7 $ 6,166,000 $ 880,857 $ 20,000
Morris, New Jersey 7 $ 6,158,000 $ 879,714 $ 0
Bronx, New York 7 $ 39,300,000 $ 5,614,285 $ 0
Collin, Texas 7 $ 3,869,000 $ 552,714 $ 0
Arapahoe, Colorado 6 $ 4,740,000 $ 790,000 $ 0
Lee, Florida 6 $ 2,957,000 $ 492,833 $ 25,000
Seminole, Florida 6 $ 3,696,000 $ 616,000 $ 0
Philadelphia, Pennsylvania 6 $ 5,366,000 $ 894,333 $ 0
Harris, Texas 6 $ 3,596,000 $ 599,333 $ 0
Norfolk, Massachusetts 5 $ 4,604,000 $ 920,800 $ 0
Bergen, New Jersey 5 $ 3,276,000 $ 655,200 $ 0
Hudson, New Jersey 5 $ 3,139,000 $ 627,800 $ 0
Riverside, California 4 $ 2,257,000 $ 564,250 $ 0
San Bernardino, California 4 $ 2,245,000 $ 561,250 $ 0
Manatee, Florida 4 $ 1,780,000 $ 445,000 $ 0
Martin, Florida 4 $ 2,338,000 $ 584,500 $ 59,000
Volusia, Florida 4 $ 8,922,000 $ 2,230,500 $ 15,000
Lake, Illinois 4 $ 2,891,000 $ 722,750 $ 0
Suffolk, Massachusetts 4 $ 2,715,000 $ 678,750 $ 0
Washtenaw, Michigan 4 $ 8,388,000 $ 2,097,000 $ 0
Mecklenburg, North Carolina 4 $ 2,346,000 $ 586,500 $ 0
Tarrant, Texas 4 $ 2,745,000 $ 686,250 $ 0
Summit, Utah 4 $ 5,948,000 $ 1,487,000 $ 0
El Dorado, California 3 $ 2,741,000 $ 913,666 $ 0
Placer, California 3 $ 3,568,000 $ 1,189,333 $ 0
Indian River, Florida 3 $ 6,559,000 $ 2,186,333 $ 0
Cobb, Georgia 3 $ 1,636,000 $ 545,333 $ 0
DeKalb, Georgia 3 $ 1,762,000 $ 587,333 $ 0
Essex, Massachusetts 3 $ 2,356,000 $ 785,333 $ 0
Atlantic, New Jersey 3 $ 2,871,000 $ 957,000 $ 0
Somerset, New Jersey 3 $ 2,067,000 $ 689,000 $ 0
Iredell, North Carolina 3 $ 2,101,000 $ 700,333 $ 0
Bucks, Pennsylvania 3 $ 1,717,000 $ 572,333 $ 0
Williamson, Tennessee 3 $ 1,714,000 $ 571,333 $ 0
Denton, Texas 3 $ 1,637,000 $ 545,666 $ 0
Snohomish, Washington 3 $ 1,686,000 $ 562,000 $ 0
Milwaukee, Wisconsin 3 $ 1,638,000 $ 546,000 $ 0
Monterey, California 2 $ 1,288,000 $ 644,000 $ 0
San Joaquin, California 2 $ 1,120,000 $ 560,000 $ 0
San Luis Obispo, California 2 $ 1,377,000 $ 688,500 $ 0
Sonoma, California 2 $ 1,177,000 $ 588,500 $ 0
Larimer, Colorado 2 $ 942,000 $ 471,000 $ 0
Routt, Colorado 2 $ 1,960,000 $ 980,000 $ 0
San Miguel, Colorado 2 $ 3,773,000 $ 1,886,500 $ 0
Summit, Colorado 2 $ 1,650,000 $ 825,000 $ 0
Hartford, Connecticut 2 $ 1,013,000 $ 506,500 $ 0
Sussex, Delaware 2 $ 1,919,000 $ 959,500 $ 0
Duval, Florida 2 $ 758,000 $ 379,000 $ 0
Monroe, Florida 2 $ 1,480,000 $ 740,000 $ 669,000
Forsyth, Georgia 2 $ 975,000 $ 487,500 $ 0
Hamilton, Indiana 2 $ 1,043,000 $ 521,500 $ 0
Baltimore, Maryland 2 $ 1,474,000 $ 737,000 $ 0
Howard, Maryland 2 $ 1,130,000 $ 565,000 $ 0
Worcester, Massachusetts 2 $ 1,135,000 $ 567,500 $ 0
Carver, Minnesota 2 $ 679,000 $ 339,500 $ 0
St. Louis, Missouri 2 $ 1,403,000 $ 701,500 $ 0
Missoula, Montana 2 $ 926,000 $ 463,000 $ 0
Richmond, New York 2 $ 1,079,000 $ 539,500 $ 57,000
Rockland, New York 2 $ 832,000 $ 416,000 $ 89,000
Carteret, North Carolina 2 $ 1,445,000 $ 722,500 $ 0
Currituck, North Carolina 2 $ 1,209,000 $ 604,500 $ 0
Wake, North Carolina 2 $ 1,284,000 $ 642,000 $ 0
Charleston, South Carolina 2 $ 2,088,000 $ 1,044,000 $ 0
Knox, Tennessee 2 $ 1,260,000 $ 630,000 $ 0
Bexar, Texas 2 $ 8,800,000 $ 4,400,000 $ 0
Montgomery, Texas 2 $ 1,208,000 $ 604,000 $ 0
Falls Church, Virginia 2 $ 1,233,000 $ 616,500 $ 0
Kitsap, Washington 2 $ 1,092,000 $ 546,000 $ 0
Pierce, Washington 2 $ 1,316,000 $ 658,000 $ 0
Spokane, Washington 2 $ 893,000 $ 446,500 $ 0
Navajo, Arizona 1 $ 603,000 $ 603,000 $ 0
Pima, Arizona 1 $ 492,000 $ 492,000 $ 0
Kern, California 1 $ 855,000 $ 855,000 $ 0
Sacramento, California 1 $ 456,000 $ 456,000 $ 0
Santa Barbara, California 1 $ 1,815,000 $ 1,815,000 $ 0
Santa Cruz, California 1 $ 567,000 $ 567,000 $ 0
El Paso, Colorado 1 $ 489,000 $ 489,000 $ 0
Garfield, Colorado 1 $ 1,028,000 $ 1,028,000 $ 0
La Plata, Colorado 1 $ 635,000 $ 635,000 $ 0
Litchfield, Connecticut 1 $ 1,110,000 $ 1,110,000 $ 0
Middlesex, Connecticut 1 $ 385,000 $ 385,000 $ 0
New Haven, Connecticut 1 $ 585,000 $ 585,000 $ 0
Charlotte, Florida 1 $ 10,920,000 $ 10,920,000 $ 0
Lake, Florida 1 $ 745,000 $ 745,000 $ 0
Marion, Florida 1 $ 83,000 $ 83,000 $ 53,000
Nassau, Florida 1 $ 553,000 $ 553,000 $ 0
Osceola, Florida 1 $ 623,000 $ 623,000 $ 0
St. Lucie, Florida 1 $ 90,000 $ 90,000 $ 56,000
Walton, Florida 1 $ 700,000 $ 700,000 $ 0
Chatham, Georgia 1 $ 627,000 $ 627,000 $ 0
Paulding, Georgia 1 $ 560,000 $ 560,000 $ 0
Honolulu, Hawaii 1 $ 1,055,000 $ 1,055,000 $ 0
Bonner, Idaho 1 $ 498,000 $ 498,000 $ 0
Kootenai, Idaho 1 $ 850,000 $ 850,000 $ 0
Kane, Illinois 1 $ 498,000 $ 498,000 $ 0
Madison, Illinois 1 $ 486,000 $ 486,000 $ 0
Rock Island, Illinois 1 $ 872,000 $ 872,000 $ 0
Kosciusko, Indiana 1 $ 750,000 $ 750,000 $ 0
Marion, Indiana 1 $ 1,256,000 $ 1,256,000 $ 0
Jefferson, Kentucky 1 $ 1,215,000 $ 1,215,000 $ 0
Orleans, Louisiana 1 $ 450,000 $ 450,000 $ 0
Harford, Maryland 1 $ 197,000 $ 197,000 $ 98,000
Talbot, Maryland 1 $ 1,083,000 $ 1,083,000 $ 0
Barnstable, Massachusetts 1 $ 1,820,000 $ 1,820,000 $ 0
Dukes, Massachusetts 1 $ 1,100,000 $ 1,100,000 $ 0
Nantucket, Massachusetts 1 $ 794,000 $ 794,000 $ 0
Plymouth, Massachusetts 1 $ 700,000 $ 700,000 $ 0
Anoka, Minnesota 1 $ 475,000 $ 475,000 $ 0
Hennepin, Minnesota 1 $ 467,000 $ 467,000 $ 0
Olmsted, Minnesota 1 $ 101,000 $ 101,000 $ 0
Ramsey, Minnesota 1 $ 600,000 $ 600,000 $ 0
Scott, Minnesota 1 $ 701,000 $ 701,000 $ 0
St. Louis, Minnesota 1 $ 506,000 $ 506,000 $ 0
Washington, Minnesota 1 $ 322,000 $ 322,000 $ 0
Platte, Missouri 1 $ 520,000 $ 520,000 $ 0
Clark, Nevada 1 $ 583,000 $ 583,000 $ 0
Washoe, Nevada 1 $ 502,000 $ 502,000 $ 0
Carroll, New Hampshire 1 $ 1,715,000 $ 1,715,000 $ 0
Cape May, New Jersey 1 $ 539,000 $ 539,000 $ 0
Hunterdon, New Jersey 1 $ 760,000 $ 760,000 $ 0
Mercer, New Jersey 1 $ 795,000 $ 795,000 $ 0
Passaic, New Jersey 1 $ 717,000 $ 717,000 $ 0
Albany, New York 1 $ 657,000 $ 657,000 $ 0
Franklin, New York 1 $ 2,500,000 $ 2,500,000 $ 0
Ulster, New York 1 $ 450,000 $ 450,000 $ 0
Brunswick, North Carolina 1 $ 953,000 $ 953,000 $ 0
Buncombe, North Carolina 1 $ 553,000 $ 553,000 $ 0
Caldwell, North Carolina 1 $ 503,000 $ 503,000 $ 0
Chatham, North Carolina 1 $ 644,000 $ 644,000 $ 0
Forsyth, North Carolina 1 $ 629,000 $ 629,000 $ 0
Guilford, North Carolina 1 $ 692,000 $ 692,000 $ 0
Moore, North Carolina 1 $ 889,000 $ 889,000 $ 0
Orange, North Carolina 1 $ 694,000 $ 694,000 $ 0
Cuyahoga, Ohio 1 $ 590,000 $ 590,000 $ 0
Franklin, Ohio 1 $ 612,000 $ 612,000 $ 0
Licking, Ohio 1 $ 387,000 $ 387,000 $ 0
Oklahoma, Oklahoma 1 $ 1,445,000 $ 1,445,000 $ 0
Tulsa, Oklahoma 1 $ 674,000 $ 674,000 $ 0
Deschutes, Oregon 1 $ 978,000 $ 978,000 $ 0
Multnomah, Oregon 1 $ 559,000 $ 559,000 $ 0
Washington, Oregon 1 $ 538,000 $ 538,000 $ 0
Chester, Pennsylvania 1 $ 539,000 $ 539,000 $ 0
Dauphin, Pennsylvania 1 $ 887,000 $ 887,000 $ 0
Montgomery, Pennsylvania 1 $ 456,000 $ 456,000 $ 0
Providence, Rhode Island 1 $ 547,000 $ 547,000 $ 0
Washington, Rhode Island 1 $ 576,000 $ 576,000 $ 0
Lexington, South Carolina 1 $ 840,000 $ 840,000 $ 0
York, South Carolina 1 $ 516,000 $ 516,000 $ 0
Minnehaha, South Dakota 1 $ 720,000 $ 720,000 $ 0
Davidson, Tennessee 1 $ 588,000 $ 588,000 $ 0
Hamilton, Tennessee 1 $ 866,000 $ 866,000 $ 0
Loudon, Tennessee 1 $ 700,000 $ 700,000 $ 0
Rutherford, Tennessee 1 $ 546,000 $ 546,000 $ 0
Comal, Texas 1 $ 457,000 $ 457,000 $ 0
El Paso, Texas 1 $ 780,000 $ 780,000 $ 0
Nueces, Texas 1 $ 216,000 $ 216,000 $ 0
Rockwall, Texas 1 $ 627,000 $ 627,000 $ 0
San Jacinto, Texas 1 $ 536,000 $ 536,000 $ 0
Davis, Utah 1 $ 438,000 $ 438,000 $ 0
Salt Lake, Utah 1 $ 1,390,000 $ 1,390,000 $ 0
Washington, Utah 1 $ 957,000 $ 957,000 $ 0
Charlottesville, Virginia 1 $ 225,000 $ 225,000 $ 0
Fairfax City, Virginia 1 $ 640,000 $ 640,000 $ 0
James City, Virginia 1 $ 706,000 $ 706,000 $ 0
Northumberland, Virginia 1 $ 544,000 $ 544,000 $ 0
Virginia Beach, Virginia 1 $ 503,000 $ 503,000 $ 0
Island, Washington 1 $ 550,000 $ 550,000 $ 0
Mason, Washington 1 $ 646,000 $ 646,000 $ 0
Burnett, Wisconsin 1 $ 683,000 $ 683,000 $ 0
Walworth, Wisconsin 1 $ 1,133,000 $ 1,133,000 $ 0
Waukesha, Wisconsin 1 $ 210,000 $ 210,000 $ 0

Mortgage Loan Application Detail Totals for Bankunited, National Association in 2016

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 885 $810,864,000 $916,000 $28,000,000 $24,000 $2,366,000
Refinancing 716 $689,653,000 $963,000 $38,500,000 $12,000 $2,291,000
Home Improvement 38 $31,445,000 $827,000 $3,500,000 $13,000 $279,000

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 1,524 $1,451,014,000 $952,000 $38,500,000 $0 $0
White 62 $55,754,000 $899,000 $8,840,000 $345,000 $2,366,000
Black or African American 22 $3,213,000 $146,000 $427,000 $59,000 $232,000
Hispanic 17 $7,045,000 $414,000 $4,550,000 $217,000 $2,250,000
Asian 8 $7,957,000 $994,000 $4,200,000 $293,000 $1,279,000
Not Provided 6 $6,979,000 $1,163,000 $4,420,000 $466,000 $2,298,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Native Hawaiin or Other Pacific Islander 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) 1,636 $1,531,390,000 $936,000 $38,500,000 $19,000 $2,366,000
FHA-insured (Federal Housing Administration) 3 $572,000 $190,000 $229,000 $15,000 $46,000
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 1,462 $1,161,319,000 $794,000 $2,900,000 $0 $0
Loan Originated 116 $221,679,000 $1,911,000 $28,000,000 $172,000 $2,366,000
Application Denied By Financial Institution 24 $25,242,000 $1,051,000 $6,500,000 $91,000 $530,000
Application Approved But Not Accepted 16 $9,202,000 $575,000 $1,592,000 $226,000 $734,000
Application Withdrawn By Applicant 14 $103,026,000 $7,359,000 $38,500,000 $352,000 $2,291,000
File Closed For Incompleteness 7 $11,494,000 $1,642,000 $8,840,000 $113,000 $220,000
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
Other 10 $20,211,000 $2,021,000 $6,500,000 $46,000 $186,000
Debt-To-Income Ratio 5 $1,618,000 $323,000 $1,013,000 $91,000 $194,000
Collateral 4 $1,552,000 $388,000 $1,016,000 $169,000 $530,000
Credit History 3 $751,000 $250,000 $450,000 $46,000 $66,000
Unverifiable Information 1 $1,015,000 $1,015,000 $1,015,000 $416,000 $416,000
Insufficient Cash (Downpayment, Closing Cost) 1 $95,000 $95,000 $95,000 $35,000 $35,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankunited, National Association's 2016 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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