Bergin Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Bergin Financial, Inc. 2006 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 | 1,324 |
| Total Mortgage Loan Application Amount | $223,179,000 |
| Average Mortgage Loan Application Amount | $156,500 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $81,500 |
| Highest Applicant Income | $1,392,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 248 | $ 47,930,000 | $ 193,000 | $ 85,000 |
| Wayne County Michigan | 166 | $ 17,906,000 | $ 107,000 | $ 56,000 |
| Oakland County Michigan | 160 | $ 37,695,000 | $ 235,000 | $ 132,000 |
| Will County Illinois | 83 | $ 12,809,000 | $ 154,000 | $ 73,000 |
| Macomb County Michigan | 56 | $ 6,844,000 | $ 122,000 | $ 59,000 |
| Marion County Indiana | 49 | $ 4,752,000 | $ 96,000 | $ 79,000 |
| DuPage County Illinois | 48 | $ 10,900,000 | $ 227,000 | $ 77,000 |
| Lake County Illinois | 41 | $ 9,361,000 | $ 228,000 | $ 94,000 |
| Kane County Illinois | 39 | $ 6,875,000 | $ 176,000 | $ 81,000 |
| McHenry County Illinois | 38 | $ 6,735,000 | $ 177,000 | $ 75,000 |
| Hamilton County Indiana | 33 | $ 5,246,000 | $ 158,000 | $ 100,000 |
| Lake County Indiana | 19 | $ 1,867,000 | $ 98,000 | $ 61,000 |
| Palm Beach County Florida | 16 | $ 2,726,000 | $ 170,000 | $ 110,000 |
| Fulton County Georgia | 16 | $ 2,230,000 | $ 139,000 | $ 202,000 |
| Livingston County Michigan | 16 | $ 3,299,000 | $ 206,000 | $ 114,000 |
| Delaware County Indiana | 12 | $ 1,190,000 | $ 99,000 | $ 42,000 |
| Hendricks County Indiana | 11 | $ 1,217,000 | $ 110,000 | $ 53,000 |
| Porter County Indiana | 10 | $ 1,366,000 | $ 136,000 | $ 53,000 |
| St. Clair County Michigan | 10 | $ 1,312,000 | $ 131,000 | $ 79,000 |
| Kankakee County Illinois | 9 | $ 913,000 | $ 101,000 | $ 57,000 |
| Washtenaw County Michigan | 8 | $ 1,327,000 | $ 165,000 | $ 57,000 |
| Cobb County Georgia | 7 | $ 1,211,000 | $ 173,000 | $ 46,000 |
| Genesee County Michigan | 7 | $ 910,000 | $ 130,000 | $ 51,000 |
| Monroe County Michigan | 7 | $ 766,000 | $ 109,000 | $ 66,000 |
| Clayton County Georgia | 6 | $ 439,000 | $ 73,000 | $ 68,000 |
| Ogle County Illinois | 6 | $ 802,000 | $ 133,000 | $ 65,000 |
| Cherokee County Georgia | 5 | $ 832,000 | $ 166,000 | $ 75,000 |
| DeKalb County Illinois | 5 | $ 795,000 | $ 159,000 | $ 64,000 |
| Kendall County Illinois | 5 | $ 1,513,000 | $ 302,000 | $ 95,000 |
| LaSalle County Illinois | 5 | $ 637,000 | $ 127,000 | $ 76,000 |
| Winnebago County Illinois | 5 | $ 866,000 | $ 173,000 | $ 65,000 |
| LaPorte County Indiana | 5 | $ 740,000 | $ 148,000 | $ 75,000 |
| Iosco County Michigan | 5 | $ 668,000 | $ 133,000 | $ 248,000 |
| Kenosha County Wisconsin | 5 | $ 841,000 | $ 168,000 | $ 55,000 |
| Forsyth County Georgia | 4 | $ 2,011,000 | $ 502,000 | $ 240,000 |
| Gwinnett County Georgia | 4 | $ 641,000 | $ 160,000 | $ 81,000 |
| Henry County Georgia | 4 | $ 1,625,000 | $ 406,000 | $ 224,000 |
| Grundy County Illinois | 4 | $ 616,000 | $ 154,000 | $ 59,000 |
| Hancock County Indiana | 4 | $ 331,000 | $ 82,000 | $ 42,000 |
| Antrim County Michigan | 4 | $ 1,492,000 | $ 373,000 | $ 312,000 |
| Lapeer County Michigan | 4 | $ 474,000 | $ 118,000 | $ 47,000 |
| Mackinac County Michigan | 4 | $ 1,662,000 | $ 415,000 | $ 100,000 |
| Walworth County Wisconsin | 4 | $ 1,126,000 | $ 281,000 | $ 128,000 |
| Hillsborough County Florida | 3 | $ 513,000 | $ 171,000 | $ 122,000 |
| Okaloosa County Florida | 3 | $ 307,000 | $ 102,000 | $ 82,000 |
| Boone County Illinois | 3 | $ 416,000 | $ 138,000 | $ 47,000 |
| Blackford County Indiana | 3 | $ 62,000 | $ 20,000 | $ 55,000 |
| Cass County Indiana | 3 | $ 213,000 | $ 71,000 | $ 31,000 |
| Jay County Indiana | 3 | $ 129,000 | $ 43,000 | $ 27,000 |
| Madison County Indiana | 3 | $ 220,000 | $ 73,000 | $ 29,000 |
| Montgomery County Indiana | 3 | $ 474,000 | $ 158,000 | $ 71,000 |
| Tippecanoe County Indiana | 3 | $ 568,000 | $ 189,000 | $ 56,000 |
| Berrien County Michigan | 3 | $ 894,000 | $ 298,000 | $ 128,000 |
| Muskegon County Michigan | 3 | $ 233,000 | $ 77,000 | $ 48,000 |
| Broward County Florida | 2 | $ 383,000 | $ 191,000 | $ 80,000 |
| Collier County Florida | 2 | $ 400,000 | $ 200,000 | $ 136,000 |
| Pinellas County Florida | 2 | $ 294,000 | $ 147,000 | $ 24,000 |
| Sarasota County Florida | 2 | $ 484,000 | $ 242,000 | $ 103,000 |
| Barrow County Georgia | 2 | $ 298,000 | $ 149,000 | $ 84,000 |
| DeKalb County Georgia | 2 | $ 294,000 | $ 147,000 | $ 38,000 |
| Haralson County Georgia | 2 | $ 150,000 | $ 75,000 | $ 112,000 |
| Newton County Georgia | 2 | $ 152,000 | $ 76,000 | $ 96,000 |
| Pike County Georgia | 2 | $ 243,000 | $ 121,000 | $ 61,000 |
| Tattnall County Georgia | 2 | $ 205,000 | $ 102,000 | $ 56,000 |
| Peoria County Illinois | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Jasper County Indiana | 2 | $ 344,000 | $ 172,000 | $ 102,000 |
| Monroe County Indiana | 2 | $ 246,000 | $ 123,000 | $ 46,000 |
| Vanderburgh County Indiana | 2 | $ 370,000 | $ 185,000 | $ 230,000 |
| Howard County Maryland | 2 | $ 428,000 | $ 214,000 | $ 82,000 |
| Franklin County Massachusetts | 2 | $ 285,000 | $ 142,000 | $ 78,000 |
| Benzie County Michigan | 2 | $ 438,000 | $ 219,000 | $ 324,000 |
| Kalamazoo County Michigan | 2 | $ 168,000 | $ 84,000 | $ 168,000 |
| Kent County Michigan | 2 | $ 266,000 | $ 133,000 | $ 28,000 |
| Manistee County Michigan | 2 | $ 229,000 | $ 114,000 | $ 185,000 |
| Marquette County Michigan | 2 | $ 143,000 | $ 71,000 | $ 167,000 |
| Sanilac County Michigan | 2 | $ 209,000 | $ 104,000 | $ 67,000 |
| Clark County Nevada | 2 | $ 315,000 | $ 157,000 | $ 300,000 |
| Nye County Nevada | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Brevard County Florida | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Flagler County Florida | 1 | $ 200,000 | $ 200,000 | $ 299,000 |
| Lee County Florida | 1 | $ 254,000 | $ 254,000 | $ 61,000 |
| Miami-Dade County Florida | 1 | $ 256,000 | $ 256,000 | $ 276,000 |
| St. Lucie County Florida | 1 | $ 101,000 | $ 101,000 | $ 164,000 |
| Walton County Florida | 1 | $ 400,000 | $ 400,000 | $ 217,000 |
| Carroll County Georgia | 1 | $ 22,000 | $ 22,000 | $ 56,000 |
| Chatham County Georgia | 1 | $ 152,000 | $ 152,000 | $ 120,000 |
| Coweta County Georgia | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Dawson County Georgia | 1 | $ 109,000 | $ 109,000 | $ 112,000 |
| Fayette County Georgia | 1 | $ 345,000 | $ 345,000 | $ 107,000 |
| Gordon County Georgia | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Jackson County Georgia | 1 | $ 264,000 | $ 264,000 | $ 180,000 |
| Paulding County Georgia | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Rabun County Georgia | 1 | $ 289,000 | $ 289,000 | $ 60,000 |
| Rockdale County Georgia | 1 | $ 95,000 | $ 95,000 | $ 276,000 |
| Spalding County Georgia | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Walton County Georgia | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Champaign County Illinois | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Franklin County Illinois | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Fulton County Illinois | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Henry County Illinois | 1 | $ 57,000 | $ 57,000 | $ 54,000 |
| Iroquois County Illinois | 1 | $ 77,000 | $ 77,000 | $ 54,000 |
| Knox County Illinois | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Lee County Illinois | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Marshall County Illinois | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Montgomery County Illinois | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Tazewell County Illinois | 1 | $ 81,000 | $ 81,000 | $ 22,000 |
| Whiteside County Illinois | 1 | $ 62,000 | $ 62,000 | $ 36,000 |
| Allen County Indiana | 1 | $ 238,000 | $ 238,000 | $ 116,000 |
| Henry County Indiana | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Jackson County Indiana | 1 | $ 46,000 | $ 46,000 | $ 36,000 |
| Newton County Indiana | 1 | $ 119,000 | $ 119,000 | $ 37,000 |
| Pulaski County Indiana | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| Putnam County Indiana | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Randolph County Indiana | 1 | $ 22,000 | $ 22,000 | $ 22,000 |
| Anne Arundel County Maryland | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Barry County Michigan | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Cass County Michigan | 1 | $ 218,000 | $ 218,000 | $ 97,000 |
| Crawford County Michigan | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Ingham County Michigan | 1 | $ 108,000 | $ 108,000 | $ 72,000 |
| Shiawassee County Michigan | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| St. Joseph County Michigan | 1 | $ 180,000 | $ 180,000 | $ 72,000 |
| Jefferson County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Vilas County Wisconsin | 1 | $ 118,000 | $ 118,000 | $ 128,000 |
| Waukesha County Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Bergin Financial, Inc. in 2006
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 | 1,246 | $211,966,000 | $170,000 | $1,635,000 | $87,000 | $1,392,000 |
| Home Purchase | 78 | $11,213,000 | $143,000 | $944,000 | $76,000 | $300,000 |
| 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 | 994 | $173,515,000 | $174,000 | $1,635,000 | $93,000 | $1,392,000 |
| Black or African American | 155 | $18,651,000 | $120,000 | $404,000 | $56,000 | $167,000 |
| Not Provided | 114 | $20,263,000 | $177,000 | $545,000 | $70,000 | $216,000 |
| Hispanic | 40 | $6,975,000 | $174,000 | $1,000,000 | $101,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,994,000 | $181,000 | $556,000 | $91,000 | $216,000 |
| Asian | 6 | $1,227,000 | $204,000 | $495,000 | $93,000 | $144,000 |
| American Indian or Alaskan Native | 4 | $554,000 | $138,000 | $209,000 | $82,000 | $116,000 |
| 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) | 1,297 | $219,108,000 | $168,000 | $1,635,000 | $87,000 | $1,392,000 |
| FHA-insured (Federal Housing Administration) | 27 | $4,071,000 | $150,000 | $275,000 | $62,000 | $100,000 |
| 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 Originated | 1,053 | $180,231,000 | $171,000 | $1,635,000 | $92,000 | $1,392,000 |
| Application Denied By Financial Institution | 236 | $38,137,000 | $161,000 | $545,000 | $69,000 | $192,000 |
| Application Withdrawn By Applicant | 35 | $4,811,000 | $137,000 | $340,000 | $59,000 | $131,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 85 | $15,864,000 | $186,000 | $461,000 | $70,000 | $180,000 |
| Credit History | 82 | $12,464,000 | $152,000 | $545,000 | $68,000 | $156,000 |
| Employment History | 69 | $9,809,000 | $142,000 | $364,000 | $68,000 | $192,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bergin Financial, Inc.'s 2006 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.