Bergin Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Bergin Financial, Inc. 2005 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 | 979 |
| Total Mortgage Loan Application Amount | $174,260,000 |
| Average Mortgage Loan Application Amount | $225,285 |
| Highest Mortgage Loan Application Amount | $1,666,000 |
| Average Applicant Income | $203,214 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 296 | $ 31,068,000 | $ 104,000 | $ 62,000 |
| Oakland County Michigan | 238 | $ 65,145,000 | $ 273,000 | $ 111,000 |
| Cook County Illinois | 93 | $ 17,498,000 | $ 188,000 | $ 66,000 |
| Macomb County Michigan | 93 | $ 13,538,000 | $ 145,000 | $ 65,000 |
| DuPage County Illinois | 24 | $ 5,411,000 | $ 225,000 | $ 79,000 |
| Will County Illinois | 21 | $ 3,413,000 | $ 162,000 | $ 81,000 |
| Washtenaw County Michigan | 21 | $ 4,358,000 | $ 207,000 | $ 83,000 |
| Livingston County Michigan | 20 | $ 4,686,000 | $ 234,000 | $ 110,000 |
| St. Clair County Michigan | 20 | $ 2,677,000 | $ 133,000 | $ 47,000 |
| Lake County Illinois | 18 | $ 3,754,000 | $ 208,000 | $ 75,000 |
| Kane County Illinois | 15 | $ 2,632,000 | $ 175,000 | $ 65,000 |
| McHenry County Illinois | 14 | $ 2,438,000 | $ 174,000 | $ 69,000 |
| Genesee County Michigan | 12 | $ 1,628,000 | $ 135,000 | $ 45,000 |
| Lapeer County Michigan | 9 | $ 1,447,000 | $ 160,000 | $ 46,000 |
| Monroe County Michigan | 8 | $ 1,124,000 | $ 140,000 | $ 59,000 |
| Lake County Indiana | 6 | $ 699,000 | $ 116,000 | $ 76,000 |
| Lenawee County Michigan | 6 | $ 647,000 | $ 107,000 | $ 76,000 |
| DeKalb County Illinois | 5 | $ 775,000 | $ 155,000 | $ 65,000 |
| Antrim County Michigan | 4 | $ 1,450,000 | $ 362,000 | $ 182,000 |
| Iosco County Michigan | 4 | $ 652,000 | $ 163,000 | $ 160,000 |
| Sanilac County Michigan | 4 | $ 811,000 | $ 202,000 | $ 106,000 |
| Flagler County Florida | 2 | $ 1,352,000 | $ 676,000 | $ 898,000 |
| Boone County Illinois | 2 | $ 292,000 | $ 146,000 | $ 85,000 |
| Kankakee County Illinois | 2 | $ 264,000 | $ 132,000 | $ 92,000 |
| Kendall County Illinois | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| LaSalle County Illinois | 2 | $ 365,000 | $ 182,000 | $ 59,000 |
| Fountain County Indiana | 2 | $ 117,000 | $ 58,000 | $ 35,000 |
| Porter County Indiana | 2 | $ 184,000 | $ 92,000 | $ 48,000 |
| Norfolk County Massachusetts | 2 | $ 611,000 | $ 305,000 | $ 958,000 |
| Emmet County Michigan | 2 | $ 625,000 | $ 312,000 | $ 441,000 |
| Otsego County Michigan | 2 | $ 246,000 | $ 123,000 | $ 79,000 |
| Saginaw County Michigan | 2 | $ 137,000 | $ 68,000 | $ 45,000 |
| Hillsborough County Florida | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Palm Beach County Florida | 1 | $ 468,000 | $ 468,000 | $ 992,000 |
| Pinellas County Florida | 1 | $ 397,000 | $ 397,000 | $ 159,000 |
| Cobb County Georgia | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Emanuel County Georgia | 1 | $ 120,000 | $ 120,000 | $ 73,000 |
| Champaign County Illinois | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Grundy County Illinois | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Iroquois County Illinois | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Jo Daviess County Illinois | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Sangamon County Illinois | 1 | $ 138,000 | $ 138,000 | $ 106,000 |
| Stephenson County Illinois | 1 | $ 103,000 | $ 103,000 | $ 150,000 |
| Tazewell County Illinois | 1 | $ 187,000 | $ 187,000 | $ 78,000 |
| Winnebago County Illinois | 1 | $ 50,000 | $ 50,000 | $ 99,000 |
| Jasper County Indiana | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Alpena County Michigan | 1 | $ 54,000 | $ 54,000 | $ 16,000 |
| Grand Traverse County Michigan | 1 | $ 216,000 | $ 216,000 | $ 58,000 |
| Huron County Michigan | 1 | $ 50,000 | $ 50,000 | $ 84,000 |
| Ingham County Michigan | 1 | $ 86,000 | $ 86,000 | $ 34,000 |
| Jackson County Michigan | 1 | $ 74,000 | $ 74,000 | $ 22,000 |
| Ogemaw County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Oscoda County Michigan | 1 | $ 157,000 | $ 157,000 | $ 76,000 |
| Shiawassee County Michigan | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Tuscola County Michigan | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Clark County Nevada | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Columbia County Wisconsin | 1 | $ 448,000 | $ 448,000 | $ 144,000 |
| Walworth County Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Bergin Financial, Inc. in 2005
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 | 855 | $150,171,000 | $200,833 | $1,666,000 | $146,833 | $992,000 |
| Home Purchase | 124 | $24,089,000 | $243,625 | $1,043,000 | $245,500 | $1,200,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| White | 761 | $148,553,000 | $226,250 | $1,666,000 | $245,750 | $1,200,000 |
| Black or African American | 153 | $14,844,000 | $112,666 | $450,000 | $60,333 | $216,000 |
| Not Provided | 48 | $8,556,000 | $176,500 | $586,000 | $77,000 | $336,000 |
| Hispanic | 10 | $1,288,000 | $135,000 | $217,000 | $71,000 | $150,000 |
| Asian | 7 | $1,019,000 | $145,500 | $252,000 | $59,500 | $86,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 979 | $174,260,000 | $222,625 | $1,666,000 | $244,375 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Originated | 909 | $163,249,000 | $242,875 | $1,666,000 | $252,625 | $1,200,000 |
| Application Denied By Financial Institution | 41 | $6,107,000 | $127,250 | $520,000 | $44,250 | $107,000 |
| Application Approved But Not Accepted | 13 | $2,133,000 | $155,000 | $264,000 | $95,000 | $122,000 |
| Application Withdrawn By Applicant | 9 | $1,620,000 | $186,000 | $308,000 | $60,333 | $90,000 |
| File Closed For Incompleteness | 7 | $1,151,000 | $164,000 | $300,000 | $92,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bergin Financial, Inc.'s 2005 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.