Bergin Financial, Inc. Mortgage Lending & HMDA Data, 2008
In 2008, Bergin Financial, Inc. of Southfield, MI reported 743 mortgage applications totaling $130.6 million. The average application was for $175,726, and applicants reported an average income of $60,935. 38% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (257), Lake County-Kenosha County, IL-WI (36) and Atlanta-Sandy Springs-Marietta, GA (27) (applications in parentheses).
| Mortgage Company & Address | Bergin Financial, Inc. 29200 Northwester Highway, Suite 350 Southfield, MI 48034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 743 |
| Total Mortgage Loan Application Amount | $130,565,000 |
| Average Mortgage Loan Application Amount | $175,726 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $60,935 |
| Highest Applicant Income | $410,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bergin Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 124 | $ 27,012,000 | $ 217,838 | $ 69,000 |
| Will, Illinois | 47 | $ 10,422,000 | $ 221,744 | $ 78,000 |
| DuPage, Illinois | 32 | $ 7,818,000 | $ 244,312 | $ 77,000 |
| Lake, Illinois | 31 | $ 6,343,000 | $ 204,612 | $ 64,000 |
| McHenry, Illinois | 21 | $ 4,435,000 | $ 211,190 | $ 68,000 |
| Kane, Illinois | 18 | $ 3,863,000 | $ 214,611 | $ 66,000 |
| Wayne, Michigan | 18 | $ 1,833,000 | $ 101,833 | $ 51,000 |
| Marion, Indiana | 13 | $ 1,748,000 | $ 134,461 | $ 52,000 |
| Baltimore City, Maryland | 13 | $ 1,914,000 | $ 147,230 | $ 41,000 |
| Muscogee, Georgia | 11 | $ 1,360,000 | $ 123,636 | $ 48,000 |
| Kendall, Illinois | 8 | $ 2,092,000 | $ 261,500 | $ 86,000 |
| Cuyahoga, Ohio | 8 | $ 993,000 | $ 124,125 | $ 57,000 |
| Orange, Florida | 7 | $ 1,330,000 | $ 190,000 | $ 51,000 |
| Bibb, Georgia | 7 | $ 716,000 | $ 102,285 | $ 36,000 |
| Lake, Indiana | 7 | $ 1,129,000 | $ 161,285 | $ 56,000 |
| Macomb, Michigan | 7 | $ 1,341,000 | $ 191,571 | $ 65,000 |
| Pasco, Florida | 6 | $ 703,000 | $ 117,166 | $ 59,000 |
| Winnebago, Illinois | 6 | $ 894,000 | $ 149,000 | $ 48,000 |
| Porter, Indiana | 6 | $ 884,000 | $ 147,333 | $ 83,000 |
| Oakland, Michigan | 6 | $ 1,051,000 | $ 175,166 | $ 56,000 |
| Perry, Ohio | 6 | $ 406,000 | $ 67,666 | $ 42,000 |
| Duval, Florida | 5 | $ 874,000 | $ 174,800 | $ 56,000 |
| Cobb, Georgia | 5 | $ 871,000 | $ 174,200 | $ 72,000 |
| St. Louis, Missouri | 5 | $ 848,000 | $ 169,600 | $ 51,000 |
| Franklin, Ohio | 5 | $ 660,000 | $ 132,000 | $ 59,000 |
| Knox, Tennessee | 5 | $ 722,000 | $ 144,400 | $ 37,000 |
| Kenosha, Wisconsin | 5 | $ 827,000 | $ 165,400 | $ 53,000 |
| Milwaukee, Wisconsin | 5 | $ 781,000 | $ 156,200 | $ 54,000 |
| Riverside, California | 4 | $ 944,000 | $ 236,000 | $ 79,000 |
| Escambia, Florida | 4 | $ 480,000 | $ 120,000 | $ 49,000 |
| Hillsborough, Florida | 4 | $ 658,000 | $ 164,500 | $ 46,000 |
| Marion, Florida | 4 | $ 628,000 | $ 157,000 | $ 54,000 |
| DeKalb, Illinois | 4 | $ 739,000 | $ 184,750 | $ 74,000 |
| LaSalle, Illinois | 4 | $ 700,000 | $ 175,000 | $ 63,000 |
| Baltimore, Maryland | 4 | $ 874,000 | $ 218,500 | $ 81,000 |
| Prince George's, Maryland | 4 | $ 898,000 | $ 224,500 | $ 60,000 |
| Kent, Michigan | 4 | $ 518,000 | $ 129,500 | $ 51,000 |
| Summit, Ohio | 4 | $ 403,000 | $ 100,750 | $ 48,000 |
| Los Angeles, California | 3 | $ 853,000 | $ 284,333 | $ 77,000 |
| Brevard, Florida | 3 | $ 435,000 | $ 145,000 | $ 43,000 |
| Miami-Dade, Florida | 3 | $ 785,000 | $ 261,666 | $ 69,000 |
| Clayton, Georgia | 3 | $ 412,000 | $ 137,333 | $ 43,000 |
| Rockdale, Georgia | 3 | $ 570,000 | $ 190,000 | $ 86,000 |
| Boone, Illinois | 3 | $ 522,000 | $ 174,000 | $ 54,000 |
| Grundy, Illinois | 3 | $ 664,000 | $ 221,333 | $ 93,000 |
| Whiteside, Illinois | 3 | $ 161,000 | $ 53,666 | $ 31,000 |
| Johnson, Indiana | 3 | $ 503,000 | $ 167,666 | $ 67,000 |
| Vigo, Indiana | 3 | $ 388,000 | $ 129,333 | $ 57,000 |
| Genesee, Michigan | 3 | $ 438,000 | $ 146,000 | $ 58,000 |
| Bernalillo, New Mexico | 3 | $ 507,000 | $ 169,000 | $ 48,000 |
| Butler, Ohio | 3 | $ 412,000 | $ 137,333 | $ 64,000 |
| Hamilton, Ohio | 3 | $ 404,000 | $ 134,666 | $ 69,000 |
| Lorain, Ohio | 3 | $ 381,000 | $ 127,000 | $ 68,000 |
| Mahoning, Ohio | 3 | $ 188,000 | $ 62,666 | $ 45,000 |
| Charleston, South Carolina | 3 | $ 540,000 | $ 180,000 | $ 58,000 |
| Greenville, South Carolina | 3 | $ 237,000 | $ 79,000 | $ 38,000 |
| Maricopa, Arizona | 2 | $ 527,000 | $ 263,500 | $ 90,000 |
| Kern, California | 2 | $ 442,000 | $ 221,000 | $ 52,000 |
| Sacramento, California | 2 | $ 443,000 | $ 221,500 | $ 84,000 |
| San Bernardino, California | 2 | $ 680,000 | $ 340,000 | $ 66,000 |
| Clay, Florida | 2 | $ 255,000 | $ 127,500 | $ 50,000 |
| Osceola, Florida | 2 | $ 363,000 | $ 181,500 | $ 62,000 |
| Pinellas, Florida | 2 | $ 337,000 | $ 168,500 | $ 46,000 |
| Putnam, Florida | 2 | $ 285,000 | $ 142,500 | $ 56,000 |
| Seminole, Florida | 2 | $ 262,000 | $ 131,000 | $ 36,000 |
| St. Lucie, Florida | 2 | $ 194,000 | $ 97,000 | $ 38,000 |
| Bulloch, Georgia | 2 | $ 191,000 | $ 95,500 | $ 36,000 |
| Butts, Georgia | 2 | $ 228,000 | $ 114,000 | $ 33,000 |
| Dougherty, Georgia | 2 | $ 265,000 | $ 132,500 | $ 47,000 |
| Fulton, Georgia | 2 | $ 350,000 | $ 175,000 | $ 52,000 |
| Henry, Georgia | 2 | $ 298,000 | $ 149,000 | $ 51,000 |
| Paulding, Georgia | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Peach, Georgia | 2 | $ 364,000 | $ 182,000 | $ 79,000 |
| Carroll, Illinois | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Kankakee, Illinois | 2 | $ 430,000 | $ 215,000 | $ 69,000 |
| Woodford, Illinois | 2 | $ 463,000 | $ 231,500 | $ 93,000 |
| Allen, Indiana | 2 | $ 194,000 | $ 97,000 | $ 45,000 |
| Hendricks, Indiana | 2 | $ 343,000 | $ 171,500 | $ 69,000 |
| Jasper, Indiana | 2 | $ 323,000 | $ 161,500 | $ 65,000 |
| LaPorte, Indiana | 2 | $ 349,000 | $ 174,500 | $ 60,000 |
| Harford, Maryland | 2 | $ 442,000 | $ 221,000 | $ 54,000 |
| Barry, Michigan | 2 | $ 365,000 | $ 182,500 | $ 64,000 |
| Washtenaw, Michigan | 2 | $ 367,000 | $ 183,500 | $ 55,000 |
| St. Charles, Missouri | 2 | $ 382,000 | $ 191,000 | $ 88,000 |
| Allen, Ohio | 2 | $ 114,000 | $ 57,000 | $ 30,000 |
| Clark, Ohio | 2 | $ 205,000 | $ 102,500 | $ 34,000 |
| Medina, Ohio | 2 | $ 285,000 | $ 142,500 | $ 64,000 |
| Trumbull, Ohio | 2 | $ 171,000 | $ 85,500 | $ 38,000 |
| Berkeley, South Carolina | 2 | $ 286,000 | $ 143,000 | $ 49,000 |
| Laurens, South Carolina | 2 | $ 278,000 | $ 139,000 | $ 55,000 |
| Spartanburg, South Carolina | 2 | $ 229,000 | $ 114,500 | $ 27,000 |
| Hamilton, Tennessee | 2 | $ 284,000 | $ 142,000 | $ 77,000 |
| Sevier, Tennessee | 2 | $ 211,000 | $ 105,500 | $ 39,000 |
| Baldwin, Alabama | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Blount, Alabama | 1 | $ 138,000 | $ 138,000 | $ 36,000 |
| Coffee, Alabama | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Jefferson, Alabama | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Lawrence, Alabama | 1 | $ 252,000 | $ 252,000 | $ 88,000 |
| Madison, Alabama | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Mobile, Alabama | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| Anchorage, Alaska | 1 | $ 222,000 | $ 222,000 | $ 51,000 |
| Coconino, Arizona | 1 | $ 213,000 | $ 213,000 | $ 40,000 |
| Yavapai, Arizona | 1 | $ 320,000 | $ 320,000 | $ 96,000 |
| Alameda, California | 1 | $ 279,000 | $ 279,000 | $ 69,000 |
| Fresno, California | 1 | $ 203,000 | $ 203,000 | $ 62,000 |
| Merced, California | 1 | $ 283,000 | $ 283,000 | $ 114,000 |
| Stanislaus, California | 1 | $ 271,000 | $ 271,000 | $ 79,000 |
| Yolo, California | 1 | $ 257,000 | $ 257,000 | $ 55,000 |
| Jefferson, Colorado | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Hartford, Connecticut | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Alachua, Florida | 1 | $ 158,000 | $ 158,000 | $ 39,000 |
| Citrus, Florida | 1 | $ 121,000 | $ 121,000 | $ 35,000 |
| Lake, Florida | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Lee, Florida | 1 | $ 84,000 | $ 84,000 | $ 36,000 |
| Leon, Florida | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Okaloosa, Florida | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Palm Beach, Florida | 1 | $ 231,000 | $ 231,000 | $ 74,000 |
| Polk, Florida | 1 | $ 140,000 | $ 140,000 | $ 32,000 |
| Sumter, Florida | 1 | $ 37,000 | $ 37,000 | $ 20,000 |
| Taylor, Florida | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| Barrow, Georgia | 1 | $ 198,000 | $ 198,000 | $ 52,000 |
| Camden, Georgia | 1 | $ 142,000 | $ 142,000 | $ 82,000 |
| Chatham, Georgia | 1 | $ 270,000 | $ 270,000 | $ 188,000 |
| Clarke, Georgia | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Coweta, Georgia | 1 | $ 249,000 | $ 249,000 | $ 47,000 |
| Dodge, Georgia | 1 | $ 61,000 | $ 61,000 | $ 82,000 |
| Douglas, Georgia | 1 | $ 194,000 | $ 194,000 | $ 74,000 |
| Fayette, Georgia | 1 | $ 251,000 | $ 251,000 | $ 120,000 |
| Forsyth, Georgia | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Gilmer, Georgia | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Glynn, Georgia | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Greene, Georgia | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Gwinnett, Georgia | 1 | $ 218,000 | $ 218,000 | $ 97,000 |
| Heard, Georgia | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Houston, Georgia | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Jasper, Georgia | 1 | $ 249,000 | $ 249,000 | $ 46,000 |
| Jeff Davis, Georgia | 1 | $ 74,000 | $ 74,000 | $ 36,000 |
| Lee, Georgia | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Liberty, Georgia | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Lumpkin, Georgia | 1 | $ 71,000 | $ 71,000 | $ 28,000 |
| Monroe, Georgia | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Murray, Georgia | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Oglethorpe, Georgia | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| Pulaski, Georgia | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Richmond, Georgia | 1 | $ 224,000 | $ 224,000 | $ 76,000 |
| Tift, Georgia | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Wilkes, Georgia | 1 | $ 99,000 | $ 99,000 | $ 27,000 |
| Worth, Georgia | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Clark, Illinois | 1 | $ 63,000 | $ 63,000 | $ 92,000 |
| Ford, Illinois | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Fulton, Illinois | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Jo Daviess, Illinois | 1 | $ 131,000 | $ 131,000 | $ 39,000 |
| Knox, Illinois | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| Lee, Illinois | 1 | $ 146,000 | $ 146,000 | $ 46,000 |
| Monroe, Illinois | 1 | $ 265,000 | $ 265,000 | $ 98,000 |
| Peoria, Illinois | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Clinton, Indiana | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Elkhart, Indiana | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Fountain, Indiana | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Gibson, Indiana | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Henry, Indiana | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Jennings, Indiana | 1 | $ 43,000 | $ 43,000 | $ 17,000 |
| Madison, Indiana | 1 | $ 99,000 | $ 99,000 | $ 65,000 |
| Montgomery, Indiana | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Shelby, Indiana | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Hardin, Kentucky | 1 | $ 201,000 | $ 201,000 | $ 72,000 |
| Hopkins, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Jefferson, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 47,000 |
| Scott, Kentucky | 1 | $ 269,000 | $ 269,000 | $ 75,000 |
| Calvert, Maryland | 1 | $ 278,000 | $ 278,000 | $ 81,000 |
| Cecil, Maryland | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Charles, Maryland | 1 | $ 348,000 | $ 348,000 | $ 117,000 |
| Washington, Maryland | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Branch, Michigan | 1 | $ 88,000 | $ 88,000 | $ 77,000 |
| Gladwin, Michigan | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Ingham, Michigan | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| Lenawee, Michigan | 1 | $ 162,000 | $ 162,000 | $ 53,000 |
| Ottawa, Michigan | 1 | $ 61,000 | $ 61,000 | $ 60,000 |
| St. Clair, Michigan | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Butler, Missouri | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Christian, Missouri | 1 | $ 152,000 | $ 152,000 | $ 76,000 |
| Jackson, Missouri | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Jefferson, Missouri | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| St. Louis City, Missouri | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Sandoval, New Mexico | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Buncombe, North Carolina | 1 | $ 169,000 | $ 169,000 | $ 49,000 |
| Gaston, North Carolina | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Guilford, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Harnett, North Carolina | 1 | $ 138,000 | $ 138,000 | $ 62,000 |
| Mecklenburg, North Carolina | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Rutherford, North Carolina | 1 | $ 207,000 | $ 207,000 | $ 60,000 |
| Athens, Ohio | 1 | $ 58,000 | $ 58,000 | $ 34,000 |
| Clermont, Ohio | 1 | $ 157,000 | $ 157,000 | $ 70,000 |
| Columbiana, Ohio | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Delaware, Ohio | 1 | $ 36,000 | $ 36,000 | $ 20,000 |
| Fairfield, Ohio | 1 | $ 213,000 | $ 213,000 | $ 82,000 |
| Gallia, Ohio | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Greene, Ohio | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Hancock, Ohio | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Knox, Ohio | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Lake, Ohio | 1 | $ 220,000 | $ 220,000 | $ 109,000 |
| Licking, Ohio | 1 | $ 167,000 | $ 167,000 | $ 36,000 |
| Montgomery, Ohio | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Portage, Ohio | 1 | $ 203,000 | $ 203,000 | $ 35,000 |
| Stark, Ohio | 1 | $ 66,000 | $ 66,000 | $ 47,000 |
| Union, Ohio | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Warren, Ohio | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Wayne, Ohio | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Okmulgee, Oklahoma | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
| Multnomah, Oregon | 1 | $ 222,000 | $ 222,000 | $ 51,000 |
| Cumberland, Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 37,000 |
| Jefferson, Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 60,000 |
| Fairfield, South Carolina | 1 | $ 144,000 | $ 144,000 | $ 28,000 |
| Lancaster, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Lexington, South Carolina | 1 | $ 122,000 | $ 122,000 | $ 59,000 |
| Orangeburg, South Carolina | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Cannon, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Hamblen, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Jefferson, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Loudon, Tennessee | 1 | $ 189,000 | $ 189,000 | $ 76,000 |
| Montgomery, Tennessee | 1 | $ 137,000 | $ 137,000 | $ 38,000 |
| Putnam, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Roane, Tennessee | 1 | $ 183,000 | $ 183,000 | $ 104,000 |
| Shelby, Tennessee | 1 | $ 213,000 | $ 213,000 | $ 68,000 |
| Salt Lake, Utah | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
| Montgomery, Virginia | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| La Crosse, Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Oneida, Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| Racine, Wisconsin | 1 | $ 183,000 | $ 183,000 | $ 48,000 |
| Sauk, Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 40,000 |
| Winnebago, Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Bergin Financial, Inc. in 2008
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 | 583 | $108,568,000 | $186,000 | $410,000 | $63,000 | $410,000 |
| Home Purchase | 158 | $21,545,000 | $136,000 | $330,000 | $53,000 | $140,000 |
| Home Improvement | 2 | $452,000 | $226,000 | $250,000 | $86,000 | $100,000 |
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 | 416 | $75,348,000 | $181,000 | $410,000 | $62,000 | $265,000 |
| Black or African American | 162 | $26,670,000 | $164,000 | $337,000 | $56,000 | $138,000 |
| Not Provided | 129 | $21,175,000 | $164,000 | $333,000 | $61,000 | $410,000 |
| Hispanic | 27 | $5,657,000 | $209,000 | $343,000 | $68,000 | $151,000 |
| Asian | 6 | $1,107,000 | $184,000 | $256,000 | $81,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $608,000 | $202,000 | $270,000 | $79,000 | $83,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 708 | $122,472,000 | $172,000 | $350,000 | $60,000 | $410,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 35 | $8,093,000 | $231,000 | $410,000 | $86,000 | $230,000 |
| 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 | 280 | $51,818,000 | $185,000 | $355,000 | $63,000 | $410,000 |
| Application Denied By Financial Institution | 240 | $37,715,000 | $157,000 | $350,000 | $56,000 | $146,000 |
| Application Withdrawn By Applicant | 122 | $20,382,000 | $167,000 | $380,000 | $58,000 | $144,000 |
| File Closed For Incompleteness | 98 | $20,242,000 | $206,000 | $410,000 | $72,000 | $230,000 |
| Application Approved But Not Accepted | 3 | $408,000 | $136,000 | $158,000 | $46,000 | $51,000 |
| 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 | 71 | $10,218,000 | $143,000 | $330,000 | $56,000 | $128,000 |
| Debt-To-Income Ratio | 55 | $10,048,000 | $182,000 | $350,000 | $49,000 | $105,000 |
| Other | 15 | $2,460,000 | $164,000 | $317,000 | $70,000 | $146,000 |
| Collateral | 9 | $1,205,000 | $133,000 | $195,000 | $51,000 | $89,000 |
| Unverifiable Information | 8 | $959,000 | $119,000 | $251,000 | $56,000 | $120,000 |
| Employment History | 3 | $360,000 | $120,000 | $152,000 | $72,000 | $118,000 |
| Credit Application Incomplete | 2 | $279,000 | $139,000 | $146,000 | $47,000 | $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 2008 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.
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