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Bankunited, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 303 | $ 410,543,000 | $ 1,354,927 | $ 36,597 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 208 | $ 152,531,000 | $ 733,322 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 89 | $ 83,951,000 | $ 943,269 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 58 | $ 41,431,000 | $ 714,327 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 57 | $ 26,865,000 | $ 471,315 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 56 | $ 41,532,000 | $ 741,642 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 51 | $ 49,643,000 | $ 973,392 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 49 | $ 47,435,000 | $ 968,061 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 43 | $ 38,460,000 | $ 894,418 | $ 22,000 |
| Nassau County-Suffolk County, NY | 42 | $ 38,890,000 | $ 925,952 | $ 123,000 |
| Silver Spring-Frederick-Rockville, MD | 36 | $ 29,652,000 | $ 823,666 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 32 | $ 27,858,000 | $ 870,562 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 32 | $ 27,225,000 | $ 850,781 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 31 | $ 47,979,000 | $ 1,547,709 | $ 73,000 |
| Orlando-Kissimmee-Sanford, FL | 31 | $ 26,428,000 | $ 852,516 | $ 28,000 |
| Newark, NJ-PA | 28 | $ 21,012,000 | $ 750,428 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 27 | $ 30,832,000 | $ 1,141,925 | $ 39,000 |
| San Diego-Carlsbad, CA | 24 | $ 26,673,000 | $ 1,111,375 | $ 95,000 |
| Dallas-Plano-Irving, TX | 22 | $ 13,163,000 | $ 598,318 | $ 0 |
| Denver-Aurora-Lakewood, CO | 22 | $ 16,566,000 | $ 753,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 19 | $ 22,412,000 | $ 1,179,578 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 12,028,000 | $ 707,529 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 14 | $ 11,033,000 | $ 788,071 | $ 42,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 13,496,000 | $ 964,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 13 | $ 9,342,000 | $ 718,615 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 5,941,000 | $ 495,083 | $ 0 |
| Austin-Round Rock, TX | 11 | $ 8,595,000 | $ 781,363 | $ 0 |
| Boulder, CO | 11 | $ 8,068,000 | $ 733,454 | $ 0 |
| Jacksonville, FL | 11 | $ 5,713,000 | $ 519,363 | $ 0 |
| Boston, MA | 10 | $ 8,019,000 | $ 801,900 | $ 0 |
| San Rafael, CA | 9 | $ 8,320,000 | $ 924,444 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 4,963,000 | $ 620,375 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 4,804,000 | $ 600,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 4,502,000 | $ 562,750 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 5,243,000 | $ 655,375 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 3,244,000 | $ 463,428 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 4,281,000 | $ 611,571 | $ 72,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 6,765,000 | $ 966,428 | $ 0 |
| Cape Coral-Fort Myers, FL | 6 | $ 2,957,000 | $ 492,833 | $ 25,000 |
| Philadelphia, PA | 6 | $ 5,366,000 | $ 894,333 | $ 0 |
| Baltimore-Columbia-Towson, MD | 5 | $ 2,801,000 | $ 560,200 | $ 19,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 2,712,000 | $ 542,400 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,848,000 | $ 569,600 | $ 0 |
| Port St. Lucie, FL | 5 | $ 2,428,000 | $ 485,600 | $ 58,000 |
| Ann Arbor, MI | 4 | $ 8,388,000 | $ 2,097,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 8,922,000 | $ 2,230,500 | $ 15,000 |
| Fort Worth-Arlington, TX | 4 | $ 2,745,000 | $ 686,250 | $ 0 |
| Lake County-Kenosha County, IL-WI | 4 | $ 2,891,000 | $ 722,750 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,848,000 | $ 462,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 2,418,000 | $ 604,500 | $ 0 |
| Atlantic City-Hammonton, NJ | 3 | $ 2,871,000 | $ 957,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,398,000 | $ 466,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 2,299,000 | $ 766,333 | $ 0 |
| Knoxville, TN | 3 | $ 1,960,000 | $ 653,333 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 9,257,000 | $ 3,085,666 | $ 0 |
| Sebastian-Vero Beach, FL | 3 | $ 6,559,000 | $ 2,186,333 | $ 0 |
| St. Louis, MO-IL | 3 | $ 1,889,000 | $ 629,666 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 1,092,000 | $ 546,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 2,088,000 | $ 1,044,000 | $ 0 |
| Columbus, OH | 2 | $ 999,000 | $ 499,500 | $ 0 |
| Durham-Chapel Hill, NC | 2 | $ 1,338,000 | $ 669,000 | $ 0 |
| Fort Collins, CO | 2 | $ 942,000 | $ 471,000 | $ 0 |
| Missoula, MT | 2 | $ 926,000 | $ 463,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,097,000 | $ 548,500 | $ 0 |
| Providence-Warwick, RI-MA | 2 | $ 1,123,000 | $ 561,500 | $ 0 |
| Raleigh, NC | 2 | $ 1,284,000 | $ 642,000 | $ 0 |
| Salinas, CA | 2 | $ 1,288,000 | $ 644,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 1,919,000 | $ 959,500 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,377,000 | $ 688,500 | $ 0 |
| Santa Rosa, CA | 2 | $ 1,177,000 | $ 588,500 | $ 0 |
| Spokane-Spokane Valley, WA | 2 | $ 893,000 | $ 446,500 | $ 0 |
| Stockton-Lodi, CA | 2 | $ 1,120,000 | $ 560,000 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 1,316,000 | $ 658,000 | $ 0 |
| Worcester, MA-CT | 2 | $ 1,135,000 | $ 567,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 657,000 | $ 657,000 | $ 0 |
| Asheville, NC | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Bakersfield, CA | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 1,820,000 | $ 1,820,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 978,000 | $ 978,000 | $ 0 |
| Charlottesville, VA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 866,000 | $ 866,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Columbia, SC | 1 | $ 840,000 | $ 840,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 872,000 | $ 872,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 506,000 | $ 506,000 | $ 0 |
| El Paso, TX | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Elgin, IL | 1 | $ 498,000 | $ 498,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 692,000 | $ 692,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 887,000 | $ 887,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 503,000 | $ 503,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Kingston, NY | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 583,000 | $ 583,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 953,000 | $ 953,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 585,000 | $ 585,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Ocala, FL | 1 | $ 83,000 | $ 83,000 | $ 53,000 |
| Ocean City, NJ | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 10,920,000 | $ 10,920,000 | $ 0 |
| Reno, NV | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Rochester, MN | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 1,390,000 | $ 1,390,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 567,000 | $ 567,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,815,000 | $ 1,815,000 | $ 0 |
| Savannah, GA | 1 | $ 627,000 | $ 627,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 720,000 | $ 720,000 | $ 0 |
| St. George, UT | 1 | $ 957,000 | $ 957,000 | $ 0 |
| Trenton, NJ | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Tucson, AZ | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Tulsa, OK | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 629,000 | $ 629,000 | $ 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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