Bankunited, National Association Mortgage Lending & HMDA Data, 2014
In 2014, Bankunited, National Association of Miami Lakes, FL reported 1,767 mortgage applications totaling $1.5 billion, down 21% from 2013. The average application was for $838,183, and applicants reported an average income of $100,924. 19% of its applications resulted in an originated loan and 12% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (256), Miami-Miami Beach-Kendall, FL (248) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (159) (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 | 1,767 |
| Total Mortgage Loan Application Amount | $1,481,070,000 |
| Average Mortgage Loan Application Amount | $838,183 |
| Highest Mortgage Loan Application Amount | $40,000,000 |
| Average Applicant Income | $100,924 |
| Highest Applicant Income | $7,691,000 |
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Bankunited, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 256 | $ 340,091,000 | $ 1,328,480 | $ 204,156 |
| Miami-Miami Beach-Kendall, FL | 248 | $ 134,262,000 | $ 541,379 | $ 185,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 159 | $ 82,654,000 | $ 519,836 | $ 176,000 |
| Los Angeles-Long Beach-Glendale, CA | 136 | $ 130,314,000 | $ 958,191 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 87 | $ 50,122,000 | $ 576,114 | $ 225,000 |
| Anaheim-Santa Ana-Irvine, CA | 74 | $ 74,639,000 | $ 1,008,635 | $ 0 |
| Nassau County-Suffolk County, NY | 55 | $ 53,185,000 | $ 967,000 | $ 292,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 55 | $ 38,962,000 | $ 708,400 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 45 | $ 54,778,000 | $ 1,217,288 | $ 30,000 |
| Seattle-Bellevue-Everett, WA | 45 | $ 29,205,000 | $ 649,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 36 | $ 30,726,000 | $ 853,500 | $ 0 |
| San Diego-Carlsbad, CA | 30 | $ 24,775,000 | $ 825,833 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 29 | $ 68,581,000 | $ 2,364,862 | $ 46,000 |
| Oakland-Hayward-Berkeley, CA | 27 | $ 21,356,000 | $ 790,962 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 24 | $ 22,430,000 | $ 934,583 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 22 | $ 18,930,000 | $ 860,454 | $ 0 |
| Denver-Aurora-Lakewood, CO | 21 | $ 14,889,000 | $ 709,000 | $ 0 |
| Newark, NJ-PA | 21 | $ 13,332,000 | $ 634,857 | $ 14,000 |
| Riverside-San Bernardino-Ontario, CA | 21 | $ 15,357,000 | $ 731,285 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 10,820,000 | $ 541,000 | $ 93,000 |
| Naples-Immokalee-Marco Island, FL | 16 | $ 9,056,000 | $ 566,000 | $ 69,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 3,564,000 | $ 237,600 | $ 84,000 |
| Dallas-Plano-Irving, TX | 14 | $ 11,184,000 | $ 798,857 | $ 0 |
| Port St. Lucie, FL | 14 | $ 4,825,000 | $ 344,642 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 13 | $ 7,729,000 | $ 594,538 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 12 | $ 8,313,000 | $ 692,750 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 8,698,000 | $ 790,727 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 6,046,000 | $ 604,600 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 1,930,000 | $ 193,000 | $ 120,000 |
| Las Vegas-Henderson-Paradise, NV | 9 | $ 7,637,000 | $ 848,555 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 6,929,000 | $ 769,888 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 6,253,000 | $ 694,777 | $ 0 |
| Santa Maria-Santa Barbara, CA | 9 | $ 9,103,000 | $ 1,011,444 | $ 0 |
| Salinas, CA | 7 | $ 5,351,000 | $ 764,428 | $ 0 |
| Baltimore-Columbia-Towson, MD | 6 | $ 2,691,000 | $ 448,500 | $ 108,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 4,606,000 | $ 767,666 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 5,413,000 | $ 902,166 | $ 0 |
| San Rafael, CA | 6 | $ 6,309,000 | $ 1,051,500 | $ 0 |
| Santa Rosa, CA | 6 | $ 4,416,000 | $ 736,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 3,482,000 | $ 580,333 | $ 0 |
| Boulder, CO | 5 | $ 2,943,000 | $ 588,600 | $ 0 |
| Cambridge-Newton-Framingham, MA | 5 | $ 3,712,000 | $ 742,400 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 3,756,000 | $ 751,200 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 4,624,000 | $ 924,800 | $ 581,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 2,428,000 | $ 485,600 | $ 44,000 |
| Fort Worth-Arlington, TX | 5 | $ 2,599,000 | $ 519,800 | $ 0 |
| Trenton, NJ | 5 | $ 5,455,000 | $ 1,091,000 | $ 39,000 |
| Austin-Round Rock, TX | 4 | $ 3,489,000 | $ 872,250 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 2,564,000 | $ 641,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 4 | $ 2,442,000 | $ 610,500 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 2,636,000 | $ 659,000 | $ 0 |
| Sebastian-Vero Beach, FL | 4 | $ 1,265,000 | $ 316,250 | $ 33,000 |
| St. Louis, MO-IL | 4 | $ 3,178,000 | $ 794,500 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 2,059,000 | $ 686,333 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 2,227,000 | $ 742,333 | $ 0 |
| Reno, NV | 3 | $ 2,486,000 | $ 828,666 | $ 0 |
| Salisbury, MD-DE | 3 | $ 2,033,000 | $ 677,666 | $ 0 |
| Baton Rouge, LA | 2 | $ 2,102,000 | $ 1,051,000 | $ 0 |
| Boston, MA | 2 | $ 1,880,000 | $ 940,000 | $ 0 |
| Eugene, OR | 2 | $ 1,115,000 | $ 557,500 | $ 0 |
| Jacksonville, FL | 2 | $ 14,270,000 | $ 7,135,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 1,578,000 | $ 789,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 3,583,000 | $ 1,791,500 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Ocean City, NJ | 2 | $ 1,352,000 | $ 676,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 1,962,000 | $ 981,000 | $ 0 |
| Raleigh, NC | 2 | $ 1,248,000 | $ 624,000 | $ 0 |
| Redding, CA | 2 | $ 1,231,000 | $ 615,500 | $ 0 |
| Richmond, VA | 2 | $ 997,000 | $ 498,500 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 2,453,000 | $ 1,226,500 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,115,000 | $ 1,057,500 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 1,069,000 | $ 534,500 | $ 0 |
| Tucson, AZ | 2 | $ 1,133,000 | $ 566,500 | $ 0 |
| Asheville, NC | 1 | $ 791,000 | $ 791,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Bismarck, ND | 1 | $ 777,000 | $ 777,000 | $ 0 |
| Boise City, ID | 1 | $ 537,000 | $ 537,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 841,000 | $ 841,000 | $ 0 |
| Camden, NJ | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Charlottesville, VA | 1 | $ 834,000 | $ 834,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 809,000 | $ 809,000 | $ 0 |
| Fort Collins, CO | 1 | $ 1,173,000 | $ 1,173,000 | $ 0 |
| Fresno, CA | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Gainesville, FL | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Johnson City, TN | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Knoxville, TN | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Macon, GA | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Madera, CA | 1 | $ 1,128,000 | $ 1,128,000 | $ 0 |
| Madison, WI | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Midland, TX | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 586,000 | $ 586,000 | $ 0 |
| Napa, CA | 1 | $ 873,000 | $ 873,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Ocala, FL | 1 | $ 266,000 | $ 266,000 | $ 91,000 |
| Ogden-Clearfield, UT | 1 | $ 577,000 | $ 577,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 816,000 | $ 816,000 | $ 0 |
| Philadelphia, PA | 1 | $ 529,000 | $ 529,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 1,496,000 | $ 1,496,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 592,000 | $ 592,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 250,000 | $ 250,000 | $ 159,000 |
| Salt Lake City, UT | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Savannah, GA | 1 | $ 847,000 | $ 847,000 | $ 0 |
| Sebring, FL | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| Tulsa, OK | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 1,281,000 | $ 1,281,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 569,000 | $ 569,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 559,000 | $ 559,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bankunited, National Association in 2014
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 | 982 | $782,737,000 | $797,000 | $14,000,000 | $103,000 | $7,691,000 |
| Refinancing | 773 | $649,743,000 | $840,000 | $23,250,000 | $99,000 | $3,072,000 |
| Home Improvement | 12 | $48,590,000 | $4,049,000 | $40,000,000 | $55,000 | $138,000 |
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 | 1,059 | $1,136,299,000 | $1,072,000 | $40,000,000 | $0 | $0 |
| White | 386 | $243,450,000 | $630,000 | $9,625,000 | $332,000 | $7,691,000 |
| Hispanic | 212 | $64,499,000 | $304,000 | $5,655,000 | $143,000 | $1,822,000 |
| Black or African American | 45 | $6,525,000 | $145,000 | $750,000 | $69,000 | $624,000 |
| Asian | 34 | $14,474,000 | $425,000 | $1,600,000 | $158,000 | $566,000 |
| Not Provided | 30 | $15,790,000 | $526,000 | $2,500,000 | $377,000 | $3,000,000 |
| American Indian or Alaskan Native | 1 | $33,000 | $33,000 | $33,000 | $134,000 | $134,000 |
| Native Hawaiian 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) | 1,755 | $1,479,654,000 | $843,000 | $40,000,000 | $101,000 | $7,691,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,416,000 | $118,000 | $245,000 | $59,000 | $130,000 |
| 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 | 1,043 | $858,011,000 | $822,000 | $4,000,000 | $2,000 | $190,000 |
| Loan Originated | 332 | $325,385,000 | $980,000 | $23,250,000 | $274,000 | $7,691,000 |
| Application Denied By Financial Institution | 219 | $91,023,000 | $415,000 | $8,000,000 | $203,000 | $5,065,000 |
| Application Withdrawn By Applicant | 122 | $123,054,000 | $1,008,000 | $17,000,000 | $188,000 | $1,527,000 |
| File Closed For Incompleteness | 31 | $20,746,000 | $669,000 | $3,150,000 | $299,000 | $1,346,000 |
| Application Approved But Not Accepted | 20 | $62,851,000 | $3,142,000 | $40,000,000 | $420,000 | $2,029,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 66 | $18,805,000 | $284,000 | $2,000,000 | $181,000 | $3,000,000 |
| Debt-To-Income Ratio | 62 | $31,619,000 | $509,000 | $8,000,000 | $118,000 | $1,453,000 |
| Collateral | 61 | $19,816,000 | $324,000 | $1,495,000 | $262,000 | $5,065,000 |
| Other | 21 | $17,930,000 | $853,000 | $5,500,000 | $418,000 | $3,058,000 |
| Unverifiable Information | 2 | $156,000 | $78,000 | $100,000 | $12,000 | $24,000 |
| Credit Application Incomplete | 2 | $375,000 | $187,000 | $328,000 | $52,000 | $80,000 |
| Employment History | 2 | $292,000 | $146,000 | $163,000 | $47,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,055,000 | $527,000 | $975,000 | $141,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankunited, National Association's 2014 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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