Bergin Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Bergin Financial, Inc. 2007 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 | 722 |
| Total Mortgage Loan Application Amount | $119,304,000 |
| Average Mortgage Loan Application Amount | $146,333 |
| Highest Mortgage Loan Application Amount | $720,000 |
| Average Applicant Income | $60,333 |
| Highest Applicant Income | $455,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 119 | $ 24,582,000 | $ 206,000 | $ 74,000 |
| Marion County Indiana | 58 | $ 5,697,000 | $ 98,000 | $ 43,000 |
| Will County Illinois | 39 | $ 7,936,000 | $ 203,000 | $ 75,000 |
| Wayne County Michigan | 38 | $ 3,866,000 | $ 101,000 | $ 57,000 |
| Lake County Illinois | 32 | $ 6,158,000 | $ 192,000 | $ 77,000 |
| McHenry County Illinois | 29 | $ 6,010,000 | $ 207,000 | $ 89,000 |
| DuPage County Illinois | 25 | $ 5,596,000 | $ 223,000 | $ 80,000 |
| Kane County Illinois | 24 | $ 4,799,000 | $ 199,000 | $ 74,000 |
| Lake County Indiana | 16 | $ 2,237,000 | $ 139,000 | $ 59,000 |
| Oakland County Michigan | 16 | $ 3,295,000 | $ 205,000 | $ 83,000 |
| Winnebago County Illinois | 12 | $ 1,576,000 | $ 131,000 | $ 68,000 |
| Kendall County Illinois | 11 | $ 2,066,000 | $ 187,000 | $ 67,000 |
| Hamilton County Indiana | 11 | $ 2,444,000 | $ 222,000 | $ 49,000 |
| Macomb County Michigan | 10 | $ 1,545,000 | $ 154,000 | $ 52,000 |
| Madison County Indiana | 9 | $ 671,000 | $ 74,000 | $ 31,000 |
| Porter County Indiana | 8 | $ 1,258,000 | $ 157,000 | $ 65,000 |
| Hancock County Indiana | 7 | $ 1,480,000 | $ 211,000 | $ 69,000 |
| Kankakee County Illinois | 6 | $ 702,000 | $ 117,000 | $ 83,000 |
| LaPorte County Indiana | 6 | $ 819,000 | $ 136,000 | $ 64,000 |
| Hillsborough County Florida | 5 | $ 709,000 | $ 141,000 | $ 41,000 |
| DeKalb County Georgia | 5 | $ 819,000 | $ 163,000 | $ 47,000 |
| Hendricks County Indiana | 5 | $ 691,000 | $ 138,000 | $ 50,000 |
| Kenosha County Wisconsin | 5 | $ 891,000 | $ 178,000 | $ 77,000 |
| Los Angeles County California | 4 | $ 1,145,000 | $ 286,000 | $ 70,000 |
| Lee County Florida | 4 | $ 665,000 | $ 166,000 | $ 60,000 |
| Gwinnett County Georgia | 4 | $ 743,000 | $ 185,000 | $ 38,000 |
| DeKalb County Illinois | 4 | $ 830,000 | $ 207,000 | $ 65,000 |
| LaSalle County Illinois | 4 | $ 687,000 | $ 171,000 | $ 61,000 |
| Howard County Indiana | 4 | $ 312,000 | $ 78,000 | $ 33,000 |
| Shelby County Indiana | 4 | $ 386,000 | $ 96,000 | $ 38,000 |
| Washtenaw County Michigan | 4 | $ 878,000 | $ 219,000 | $ 132,000 |
| Milwaukee County Wisconsin | 4 | $ 655,000 | $ 163,000 | $ 54,000 |
| Rockdale County Georgia | 3 | $ 438,000 | $ 146,000 | $ 38,000 |
| Grundy County Illinois | 3 | $ 424,000 | $ 141,000 | $ 34,000 |
| Cass County Indiana | 3 | $ 297,000 | $ 99,000 | $ 55,000 |
| Johnson County Indiana | 3 | $ 999,000 | $ 333,000 | $ 37,000 |
| Morgan County Indiana | 3 | $ 370,000 | $ 123,000 | $ 53,000 |
| Putnam County Indiana | 3 | $ 238,000 | $ 79,000 | $ 42,000 |
| Genesee County Michigan | 3 | $ 380,000 | $ 126,000 | $ 60,000 |
| Kent County Michigan | 3 | $ 621,000 | $ 207,000 | $ 59,000 |
| Jefferson County Wisconsin | 3 | $ 473,000 | $ 157,000 | $ 56,000 |
| Rock County Wisconsin | 3 | $ 280,000 | $ 93,000 | $ 53,000 |
| Riverside County California | 2 | $ 652,000 | $ 326,000 | $ 76,000 |
| Broward County Florida | 2 | $ 458,000 | $ 229,000 | $ 76,000 |
| Palm Beach County Florida | 2 | $ 580,000 | $ 290,000 | $ 65,000 |
| Pasco County Florida | 2 | $ 336,000 | $ 168,000 | $ 60,000 |
| Volusia County Florida | 2 | $ 246,000 | $ 123,000 | $ 46,000 |
| Fulton County Georgia | 2 | $ 451,000 | $ 225,000 | $ 76,000 |
| Hall County Georgia | 2 | $ 330,000 | $ 165,000 | $ 69,000 |
| Henry County Georgia | 2 | $ 258,000 | $ 129,000 | $ 58,000 |
| Richmond County Georgia | 2 | $ 274,000 | $ 137,000 | $ 60,000 |
| Thomas County Georgia | 2 | $ 348,000 | $ 174,000 | $ 58,000 |
| Adams County Indiana | 2 | $ 145,000 | $ 72,000 | $ 39,000 |
| Bartholomew County Indiana | 2 | $ 202,000 | $ 101,000 | $ 36,000 |
| Boone County Indiana | 2 | $ 535,000 | $ 267,000 | $ 102,000 |
| Delaware County Indiana | 2 | $ 167,000 | $ 83,000 | $ 31,000 |
| Tippecanoe County Indiana | 2 | $ 262,000 | $ 131,000 | $ 54,000 |
| Vigo County Indiana | 2 | $ 140,000 | $ 70,000 | $ 31,000 |
| Eaton County Michigan | 2 | $ 254,000 | $ 127,000 | $ 37,000 |
| Monroe County Michigan | 2 | $ 294,000 | $ 147,000 | $ 41,000 |
| Muskegon County Michigan | 2 | $ 99,000 | $ 49,000 | $ 49,000 |
| Florence County South Carolina | 2 | $ 375,000 | $ 187,000 | $ 60,000 |
| Walworth County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 58,000 |
| Anchorage County Alaska | 1 | $ 190,000 | $ 190,000 | $ 45,000 |
| Fresno County California | 1 | $ 294,000 | $ 294,000 | $ 93,000 |
| Imperial County California | 1 | $ 233,000 | $ 233,000 | $ 84,000 |
| Kern County California | 1 | $ 174,000 | $ 174,000 | $ 110,000 |
| San Bernardino County California | 1 | $ 280,000 | $ 280,000 | $ 152,000 |
| Santa Clara County California | 1 | $ 300,000 | $ 300,000 | $ 111,000 |
| Stanislaus County California | 1 | $ 241,000 | $ 241,000 | $ 110,000 |
| El Paso County Colorado | 1 | $ 141,000 | $ 141,000 | $ 59,000 |
| Brevard County Florida | 1 | $ 152,000 | $ 152,000 | $ 82,000 |
| Collier County Florida | 1 | $ 160,000 | $ 160,000 | $ 40,000 |
| Lake County Florida | 1 | $ 228,000 | $ 228,000 | $ 130,000 |
| Miami-Dade County Florida | 1 | $ 159,000 | $ 159,000 | $ 49,000 |
| Osceola County Florida | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Pinellas County Florida | 1 | $ 221,000 | $ 221,000 | $ 54,000 |
| Polk County Florida | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Seminole County Florida | 1 | $ 240,000 | $ 240,000 | $ 89,000 |
| St. Johns County Florida | 1 | $ 240,000 | $ 240,000 | $ 45,000 |
| Barrow County Georgia | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Butts County Georgia | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Catoosa County Georgia | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Cherokee County Georgia | 1 | $ 100,000 | $ 100,000 | $ 19,000 |
| Colquitt County Georgia | 1 | $ 119,000 | $ 119,000 | $ 66,000 |
| Douglas County Georgia | 1 | $ 139,000 | $ 139,000 | $ 64,000 |
| Jefferson County Georgia | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Paulding County Georgia | 1 | $ 131,000 | $ 131,000 | $ 63,000 |
| Pickens County Georgia | 1 | $ 147,000 | $ 147,000 | $ 55,000 |
| Tift County Georgia | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Upson County Georgia | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Walker County Georgia | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Boone County Illinois | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Crawford County Illinois | 1 | $ 81,000 | $ 81,000 | $ 45,000 |
| Ford County Illinois | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Fulton County Illinois | 1 | $ 158,000 | $ 158,000 | $ 107,000 |
| Jefferson County Illinois | 1 | $ 81,000 | $ 81,000 | $ 54,000 |
| Jo Daviess County Illinois | 1 | $ 120,000 | $ 120,000 | $ 30,000 |
| Lawrence County Illinois | 1 | $ 53,000 | $ 53,000 | $ 66,000 |
| Lee County Illinois | 1 | $ 79,000 | $ 79,000 | $ 51,000 |
| Madison County Illinois | 1 | $ 136,000 | $ 136,000 | $ 26,000 |
| McLean County Illinois | 1 | $ 82,000 | $ 82,000 | $ 25,000 |
| Morgan County Illinois | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Ogle County Illinois | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Perry County Illinois | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| White County Illinois | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Whiteside County Illinois | 1 | $ 74,000 | $ 74,000 | $ 37,000 |
| Clark County Indiana | 1 | $ 76,000 | $ 76,000 | $ 21,000 |
| Elkhart County Indiana | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Fountain County Indiana | 1 | $ 63,000 | $ 63,000 | $ 71,000 |
| Kosciusko County Indiana | 1 | $ 112,000 | $ 112,000 | $ 71,000 |
| Montgomery County Indiana | 1 | $ 184,000 | $ 184,000 | $ 120,000 |
| Orange County Indiana | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Owen County Indiana | 1 | $ 62,000 | $ 62,000 | $ 21,000 |
| Posey County Indiana | 1 | $ 122,000 | $ 122,000 | $ 56,000 |
| Pulaski County Indiana | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Switzerland County Indiana | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Vanderburgh County Indiana | 1 | $ 190,000 | $ 190,000 | $ 62,000 |
| Hardin County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Owen County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 342,000 | $ 342,000 | $ 161,000 |
| Baltimore County Maryland | 1 | $ 139,000 | $ 139,000 | $ 41,000 |
| Baltimore City County Maryland | 1 | $ 120,000 | $ 120,000 | $ 34,000 |
| Calvert County Maryland | 1 | $ 242,000 | $ 242,000 | $ 83,000 |
| Charles County Maryland | 1 | $ 289,000 | $ 289,000 | $ 62,000 |
| Prince George's County Maryland | 1 | $ 178,000 | $ 178,000 | $ 49,000 |
| Allegan County Michigan | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Barry County Michigan | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Benzie County Michigan | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| Berrien County Michigan | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Branch County Michigan | 1 | $ 56,000 | $ 56,000 | $ 43,000 |
| Crawford County Michigan | 1 | $ 116,000 | $ 116,000 | $ 66,000 |
| Grand Traverse County Michigan | 1 | $ 217,000 | $ 217,000 | $ 106,000 |
| Ionia County Michigan | 1 | $ 119,000 | $ 119,000 | $ 41,000 |
| Kalamazoo County Michigan | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Lapeer County Michigan | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Livingston County Michigan | 1 | $ 226,000 | $ 226,000 | $ 104,000 |
| Montcalm County Michigan | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Shiawassee County Michigan | 1 | $ 136,000 | $ 136,000 | $ 90,000 |
| St. Clair County Michigan | 1 | $ 84,000 | $ 84,000 | $ 62,000 |
| Van Buren County Michigan | 1 | $ 80,000 | $ 80,000 | $ 168,000 |
| St. Louis County Missouri | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| St. Louis City County Missouri | 1 | $ 214,000 | $ 214,000 | $ 64,000 |
| Bernalillo County New Mexico | 1 | $ 174,000 | $ 174,000 | $ 48,000 |
| Lincoln County New Mexico | 1 | $ 94,000 | $ 94,000 | $ 57,000 |
| Clermont County Ohio | 1 | $ 187,000 | $ 187,000 | $ 72,000 |
| Perry County Ohio | 1 | $ 132,000 | $ 132,000 | $ 65,000 |
| Portage County Ohio | 1 | $ 72,000 | $ 72,000 | $ 54,000 |
| Blount County Tennessee | 1 | $ 121,000 | $ 121,000 | $ 32,000 |
| Hamilton County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 84,000 |
| Knox County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Loudon County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 92,000 |
| Sevier County Tennessee | 1 | $ 163,000 | $ 163,000 | $ 65,000 |
| Shelby County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Dane County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Dodge County Wisconsin | 1 | $ 141,000 | $ 141,000 | $ 73,000 |
| La Crosse County Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 32,000 |
| Monroe County Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 23,000 |
| Racine County Wisconsin | 1 | $ 151,000 | $ 151,000 | $ 72,000 |
| Sauk County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 47,000 |
| Waushara County Wisconsin | 1 | $ 132,000 | $ 132,000 | $ 26,000 |
| Wood County Wisconsin | 1 | $ 126,000 | $ 126,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Bergin Financial, Inc. in 2007
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 | 623 | $107,069,000 | $171,000 | $720,000 | $66,000 | $455,000 |
| Home Purchase | 92 | $11,206,000 | $121,000 | $600,000 | $48,000 | $202,000 |
| Home Improvement | 7 | $1,029,000 | $147,000 | $251,000 | $67,000 | $139,000 |
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 |
|---|---|---|---|---|---|---|
| White | 473 | $82,349,000 | $174,000 | $720,000 | $69,000 | $455,000 |
| Black or African American | 166 | $23,557,000 | $141,000 | $417,000 | $53,000 | $199,000 |
| Not Provided | 42 | $5,498,000 | $130,000 | $281,000 | $47,000 | $106,000 |
| Hispanic | 31 | $5,608,000 | $180,000 | $335,000 | $59,000 | $111,000 |
| Asian | 7 | $1,705,000 | $243,000 | $350,000 | $98,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $447,000 | $223,000 | $312,000 | $73,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $140,000 | $140,000 | $140,000 | $38,000 | $38,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 463 | $75,067,000 | $162,000 | $434,000 | $60,000 | $192,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 259 | $44,237,000 | $170,000 | $720,000 | $70,000 | $455,000 |
| 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 | 324 | $61,620,000 | $190,000 | $710,000 | $76,000 | $342,000 |
| Application Withdrawn By Applicant | 164 | $24,007,000 | $146,000 | $720,000 | $53,000 | $161,000 |
| Application Denied By Financial Institution | 142 | $20,572,000 | $144,000 | $360,000 | $49,000 | $152,000 |
| File Closed For Incompleteness | 89 | $12,837,000 | $144,000 | $365,000 | $62,000 | $455,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $150,000 | $57,000 | $69,000 |
| Preapproval Denied by Financial Institution | 1 | $18,000 | $18,000 | $18,000 | $58,000 | $58,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 26 | $3,417,000 | $131,000 | $300,000 | $46,000 | $100,000 |
| Debt-To-Income Ratio | 26 | $4,152,000 | $159,000 | $300,000 | $44,000 | $89,000 |
| Collateral | 11 | $1,654,000 | $150,000 | $280,000 | $64,000 | $152,000 |
| Unverifiable Information | 7 | $735,000 | $105,000 | $172,000 | $72,000 | $122,000 |
| Employment History | 5 | $679,000 | $135,000 | $232,000 | $50,000 | $75,000 |
| Other | 2 | $248,000 | $124,000 | $131,000 | $40,000 | $43,000 |
| Credit Application Incomplete | 2 | $228,000 | $114,000 | $116,000 | $45,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bergin Financial, Inc.'s 2007 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.