Bergin Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Bergin Financial, Inc. 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bergin Financial, Inc. 29200 Northwestern Hwy. Suite 350 Southfield, MI 48034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,596 |
| Total Mortgage Loan Application Amount | $635,761,000 |
| Average Mortgage Loan Application Amount | $140,142 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $52,357 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Bergin Financial, Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bergin Financial, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Bergin Financial, Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bergin Financial, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Bergin Financial, Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bergin Financial, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wayne County Michigan | 1,551 | $ 155,787,000 | $ 100,000 | $ 52,000 |
| Oakland County Michigan | 758 | $ 146,047,000 | $ 192,000 | $ 88,000 |
| Cook County Illinois | 663 | $ 95,797,000 | $ 144,000 | $ 55,000 |
| Macomb County Michigan | 415 | $ 57,041,000 | $ 137,000 | $ 59,000 |
| Will County Illinois | 144 | $ 24,077,000 | $ 167,000 | $ 73,000 |
| DuPage County Illinois | 97 | $ 20,312,000 | $ 209,000 | $ 68,000 |
| St. Clair County Michigan | 91 | $ 11,683,000 | $ 128,000 | $ 43,000 |
| Washtenaw County Michigan | 86 | $ 14,303,000 | $ 166,000 | $ 66,000 |
| Livingston County Michigan | 83 | $ 15,662,000 | $ 188,000 | $ 73,000 |
| Lake County Illinois | 80 | $ 13,543,000 | $ 169,000 | $ 64,000 |
| Genesee County Michigan | 79 | $ 8,121,000 | $ 102,000 | $ 49,000 |
| Kane County Illinois | 70 | $ 12,454,000 | $ 177,000 | $ 72,000 |
| McHenry County Illinois | 64 | $ 10,904,000 | $ 170,000 | $ 63,000 |
| Lapeer County Michigan | 55 | $ 7,541,000 | $ 137,000 | $ 56,000 |
| Monroe County Michigan | 49 | $ 6,698,000 | $ 136,000 | $ 67,000 |
| Lake County Indiana | 30 | $ 2,860,000 | $ 95,000 | $ 40,000 |
| LaSalle County Illinois | 25 | $ 2,720,000 | $ 108,000 | $ 45,000 |
| Lenawee County Michigan | 24 | $ 3,138,000 | $ 130,000 | $ 67,000 |
| Sanilac County Michigan | 20 | $ 2,340,000 | $ 117,000 | $ 49,000 |
| Kankakee County Illinois | 16 | $ 1,483,000 | $ 92,000 | $ 53,000 |
| Jackson County Michigan | 14 | $ 1,580,000 | $ 112,000 | $ 40,000 |
| Kendall County Illinois | 13 | $ 2,088,000 | $ 160,000 | $ 58,000 |
| Boone County Illinois | 12 | $ 1,999,000 | $ 166,000 | $ 60,000 |
| Shiawassee County Michigan | 12 | $ 1,345,000 | $ 112,000 | $ 55,000 |
| DeKalb County Illinois | 8 | $ 1,094,000 | $ 136,000 | $ 51,000 |
| Grundy County Illinois | 8 | $ 1,062,000 | $ 132,000 | $ 65,000 |
| Ingham County Michigan | 8 | $ 850,000 | $ 106,000 | $ 41,000 |
| LaPorte County Indiana | 6 | $ 437,000 | $ 72,000 | $ 49,000 |
| Porter County Indiana | 6 | $ 806,000 | $ 134,000 | $ 74,000 |
| Berrien County Michigan | 6 | $ 555,000 | $ 92,000 | $ 41,000 |
| Iosco County Michigan | 5 | $ 239,000 | $ 47,000 | $ 33,000 |
| Saginaw County Michigan | 5 | $ 387,000 | $ 77,000 | $ 45,000 |
| Alcona County Michigan | 4 | $ 413,000 | $ 103,000 | $ 50,000 |
| Tuscola County Michigan | 4 | $ 390,000 | $ 97,000 | $ 50,000 |
| Iroquois County Illinois | 3 | $ 246,000 | $ 82,000 | $ 44,000 |
| Arenac County Michigan | 3 | $ 281,000 | $ 93,000 | $ 34,000 |
| Benzie County Michigan | 3 | $ 408,000 | $ 136,000 | $ 74,000 |
| Calhoun County Michigan | 3 | $ 362,000 | $ 120,000 | $ 54,000 |
| Crawford County Michigan | 3 | $ 216,000 | $ 72,000 | $ 42,000 |
| Bureau County Illinois | 2 | $ 158,000 | $ 79,000 | $ 53,000 |
| Lee County Illinois | 2 | $ 129,000 | $ 64,000 | $ 60,000 |
| Livingston County Illinois | 2 | $ 126,000 | $ 63,000 | $ 28,000 |
| Williamson County Illinois | 2 | $ 85,000 | $ 42,000 | $ 102,000 |
| Winnebago County Illinois | 2 | $ 195,000 | $ 97,000 | $ 48,000 |
| Jasper County Indiana | 2 | $ 156,000 | $ 78,000 | $ 51,000 |
| Newton County Indiana | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Eaton County Michigan | 2 | $ 247,000 | $ 123,000 | $ 50,000 |
| Emmet County Michigan | 2 | $ 955,000 | $ 477,000 | $ 438,000 |
| Huron County Michigan | 2 | $ 334,000 | $ 167,000 | $ 116,000 |
| Kalamazoo County Michigan | 2 | $ 175,000 | $ 87,000 | $ 92,000 |
| Midland County Michigan | 2 | $ 137,000 | $ 68,000 | $ 37,000 |
| Muskegon County Michigan | 2 | $ 201,000 | $ 100,000 | $ 50,000 |
| Otsego County Michigan | 2 | $ 150,000 | $ 75,000 | $ 29,000 |
| Presque Isle County Michigan | 2 | $ 184,000 | $ 92,000 | $ 64,000 |
| St. Joseph County Michigan | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Leon County Florida | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| DeKalb County Georgia | 1 | $ 240,000 | $ 240,000 | $ 108,000 |
| Gwinnett County Georgia | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Cumberland County Illinois | 1 | $ 38,000 | $ 38,000 | $ 54,000 |
| Lawrence County Illinois | 1 | $ 14,000 | $ 14,000 | $ 7,000 |
| Mercer County Illinois | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Peoria County Illinois | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Rock Island County Illinois | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Sangamon County Illinois | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Schuyler County Illinois | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Vermilion County Illinois | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Whiteside County Illinois | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Allen County Indiana | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Fountain County Indiana | 1 | $ 61,000 | $ 61,000 | $ 96,000 |
| Marshall County Indiana | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Charles County Maryland | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Allegan County Michigan | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Antrim County Michigan | 1 | $ 604,000 | $ 604,000 | $ 264,000 |
| Bay County Michigan | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Branch County Michigan | 1 | $ 94,000 | $ 94,000 | $ 75,000 |
| Delta County Michigan | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Gogebic County Michigan | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Gratiot County Michigan | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Houghton County Michigan | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Kent County Michigan | 1 | $ 401,000 | $ 401,000 | $ 181,000 |
| Keweenaw County Michigan | 1 | $ 338,000 | $ 338,000 | $ 240,000 |
| Leelanau County Michigan | 1 | $ 193,000 | $ 193,000 | $ 250,000 |
| Mecosta County Michigan | 1 | $ 175,000 | $ 175,000 | $ 191,000 |
| Montmorency County Michigan | 1 | $ 30,000 | $ 30,000 | $ 37,000 |
| Ogemaw County Michigan | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Oscoda County Michigan | 1 | $ 114,000 | $ 114,000 | $ 84,000 |
| Roscommon County Michigan | 1 | $ 54,000 | $ 54,000 | $ 29,000 |
| Van Buren County Michigan | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Clark County Nevada | 1 | $ 240,000 | $ 240,000 | $ 62,000 |
| Wood County Ohio | 1 | $ 61,000 | $ 61,000 | $ 18,000 |
| Charleston County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 40,000 |
| Racine County Wisconsin | 1 | $ 350,000 | $ 350,000 | $ 23,000 |
| Winnebago County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Bergin Financial, Inc. in 2004
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 | 4,156 | $573,526,000 | $148,285 | $1,000,000 | $45,285 | $1,500,000 |
| Home Purchase | 437 | $61,899,000 | $141,200 | $1,000,000 | $61,000 | $600,000 |
| Home Improvement | 3 | $336,000 | $109,000 | $158,000 | $55,500 | $97,000 |
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 Provided | 1,910 | $244,721,000 | $107,857 | $842,000 | $39,714 | $1,500,000 |
| White | 1,841 | $297,731,000 | $197,000 | $1,000,000 | $59,428 | $600,000 |
| Black or African American | 738 | $76,285,000 | $93,666 | $515,000 | $50,333 | $840,000 |
| Hispanic | 86 | $13,049,000 | $131,666 | $450,000 | $61,666 | $684,000 |
| Asian | 12 | $2,313,000 | $192,000 | $300,000 | $76,500 | $168,000 |
| American Indian or Alaskan Native | 6 | $1,039,000 | $201,500 | $245,000 | $68,500 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $623,000 | $241,000 | $342,000 | $109,000 | $171,000 |
| Not applicable | 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) | 4,589 | $634,943,000 | $147,300 | $1,000,000 | $49,700 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 7 | $818,000 | $117,333 | $183,000 | $40,666 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 2,695 | $346,667,000 | $124,333 | $960,000 | $38,000 | $1,500,000 |
| Loan Originated | 1,553 | $240,365,000 | $171,166 | $1,000,000 | $71,833 | $600,000 |
| Application Withdrawn By Applicant | 272 | $39,117,000 | $119,750 | $842,000 | $53,750 | $658,000 |
| File Closed For Incompleteness | 42 | $5,254,000 | $129,000 | $300,000 | $52,500 | $122,000 |
| Application Approved But Not Accepted | 34 | $4,358,000 | $133,333 | $288,000 | $42,666 | $120,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 261 | $35,559,000 | $113,000 | $500,000 | $52,000 | $840,000 |
| Collateral | 72 | $10,459,000 | $125,333 | $300,000 | $73,333 | $1,500,000 |
| Debt-To-Income Ratio | 57 | $7,317,000 | $126,000 | $300,000 | $42,500 | $116,000 |
| Other | 37 | $4,428,000 | $99,333 | $315,000 | $45,333 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,797,000 | $163,500 | $450,000 | $68,000 | $159,000 |
| Credit Application Incomplete | 11 | $1,253,000 | $115,500 | $188,000 | $62,500 | $138,000 |
| Unverifiable Information | 6 | $609,000 | $101,000 | $162,000 | $38,000 | $61,000 |
| Employment History | 3 | $490,000 | $163,000 | $210,000 | $66,000 | $87,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bergin Financial, Inc.'s 2004 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 Bergin Financial, Inc.'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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.