Bergin Financial, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Bergin Financial, Inc. 2008 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 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 | $182,666 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $67,333 |
| Highest Applicant Income | $410,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 124 | $ 27,012,000 | $ 217,000 | $ 69,000 |
| Will County Illinois | 47 | $ 10,422,000 | $ 221,000 | $ 78,000 |
| DuPage County Illinois | 32 | $ 7,818,000 | $ 244,000 | $ 77,000 |
| Lake County Illinois | 31 | $ 6,343,000 | $ 204,000 | $ 64,000 |
| McHenry County Illinois | 21 | $ 4,435,000 | $ 211,000 | $ 68,000 |
| Kane County Illinois | 18 | $ 3,863,000 | $ 214,000 | $ 66,000 |
| Wayne County Michigan | 18 | $ 1,833,000 | $ 101,000 | $ 51,000 |
| Marion County Indiana | 13 | $ 1,748,000 | $ 134,000 | $ 52,000 |
| Baltimore City County Maryland | 13 | $ 1,914,000 | $ 147,000 | $ 41,000 |
| Muscogee County Georgia | 11 | $ 1,360,000 | $ 123,000 | $ 48,000 |
| Kendall County Illinois | 8 | $ 2,092,000 | $ 261,000 | $ 86,000 |
| Cuyahoga County Ohio | 8 | $ 993,000 | $ 124,000 | $ 57,000 |
| Orange County Florida | 7 | $ 1,330,000 | $ 190,000 | $ 51,000 |
| Bibb County Georgia | 7 | $ 716,000 | $ 102,000 | $ 36,000 |
| Lake County Indiana | 7 | $ 1,129,000 | $ 161,000 | $ 56,000 |
| Macomb County Michigan | 7 | $ 1,341,000 | $ 191,000 | $ 65,000 |
| Pasco County Florida | 6 | $ 703,000 | $ 117,000 | $ 59,000 |
| Winnebago County Illinois | 6 | $ 894,000 | $ 149,000 | $ 48,000 |
| Porter County Indiana | 6 | $ 884,000 | $ 147,000 | $ 83,000 |
| Oakland County Michigan | 6 | $ 1,051,000 | $ 175,000 | $ 56,000 |
| Perry County Ohio | 6 | $ 406,000 | $ 67,000 | $ 42,000 |
| Duval County Florida | 5 | $ 874,000 | $ 174,000 | $ 56,000 |
| Cobb County Georgia | 5 | $ 871,000 | $ 174,000 | $ 72,000 |
| St. Louis County Missouri | 5 | $ 848,000 | $ 169,000 | $ 51,000 |
| Franklin County Ohio | 5 | $ 660,000 | $ 132,000 | $ 59,000 |
| Knox County Tennessee | 5 | $ 722,000 | $ 144,000 | $ 37,000 |
| Kenosha County Wisconsin | 5 | $ 827,000 | $ 165,000 | $ 53,000 |
| Milwaukee County Wisconsin | 5 | $ 781,000 | $ 156,000 | $ 54,000 |
| Riverside County California | 4 | $ 944,000 | $ 236,000 | $ 79,000 |
| Escambia County Florida | 4 | $ 480,000 | $ 120,000 | $ 49,000 |
| Hillsborough County Florida | 4 | $ 658,000 | $ 164,000 | $ 46,000 |
| Marion County Florida | 4 | $ 628,000 | $ 157,000 | $ 54,000 |
| DeKalb County Illinois | 4 | $ 739,000 | $ 184,000 | $ 74,000 |
| LaSalle County Illinois | 4 | $ 700,000 | $ 175,000 | $ 63,000 |
| Baltimore County Maryland | 4 | $ 874,000 | $ 218,000 | $ 81,000 |
| Prince George's County Maryland | 4 | $ 898,000 | $ 224,000 | $ 60,000 |
| Kent County Michigan | 4 | $ 518,000 | $ 129,000 | $ 51,000 |
| Summit County Ohio | 4 | $ 403,000 | $ 100,000 | $ 48,000 |
| Los Angeles County California | 3 | $ 853,000 | $ 284,000 | $ 77,000 |
| Brevard County Florida | 3 | $ 435,000 | $ 145,000 | $ 43,000 |
| Miami-Dade County Florida | 3 | $ 785,000 | $ 261,000 | $ 69,000 |
| Clayton County Georgia | 3 | $ 412,000 | $ 137,000 | $ 43,000 |
| Rockdale County Georgia | 3 | $ 570,000 | $ 190,000 | $ 86,000 |
| Boone County Illinois | 3 | $ 522,000 | $ 174,000 | $ 54,000 |
| Grundy County Illinois | 3 | $ 664,000 | $ 221,000 | $ 93,000 |
| Whiteside County Illinois | 3 | $ 161,000 | $ 53,000 | $ 31,000 |
| Johnson County Indiana | 3 | $ 503,000 | $ 167,000 | $ 67,000 |
| Vigo County Indiana | 3 | $ 388,000 | $ 129,000 | $ 57,000 |
| Genesee County Michigan | 3 | $ 438,000 | $ 146,000 | $ 58,000 |
| Bernalillo County New Mexico | 3 | $ 507,000 | $ 169,000 | $ 48,000 |
| Butler County Ohio | 3 | $ 412,000 | $ 137,000 | $ 64,000 |
| Hamilton County Ohio | 3 | $ 404,000 | $ 134,000 | $ 69,000 |
| Lorain County Ohio | 3 | $ 381,000 | $ 127,000 | $ 68,000 |
| Mahoning County Ohio | 3 | $ 188,000 | $ 62,000 | $ 45,000 |
| Charleston County South Carolina | 3 | $ 540,000 | $ 180,000 | $ 58,000 |
| Greenville County South Carolina | 3 | $ 237,000 | $ 79,000 | $ 38,000 |
| Maricopa County Arizona | 2 | $ 527,000 | $ 263,000 | $ 90,000 |
| Kern County California | 2 | $ 442,000 | $ 221,000 | $ 52,000 |
| Sacramento County California | 2 | $ 443,000 | $ 221,000 | $ 84,000 |
| San Bernardino County California | 2 | $ 680,000 | $ 340,000 | $ 66,000 |
| Clay County Florida | 2 | $ 255,000 | $ 127,000 | $ 50,000 |
| Osceola County Florida | 2 | $ 363,000 | $ 181,000 | $ 62,000 |
| Pinellas County Florida | 2 | $ 337,000 | $ 168,000 | $ 46,000 |
| Putnam County Florida | 2 | $ 285,000 | $ 142,000 | $ 56,000 |
| Seminole County Florida | 2 | $ 262,000 | $ 131,000 | $ 36,000 |
| St. Lucie County Florida | 2 | $ 194,000 | $ 97,000 | $ 38,000 |
| Bulloch County Georgia | 2 | $ 191,000 | $ 95,000 | $ 36,000 |
| Butts County Georgia | 2 | $ 228,000 | $ 114,000 | $ 33,000 |
| Dougherty County Georgia | 2 | $ 265,000 | $ 132,000 | $ 47,000 |
| Fulton County Georgia | 2 | $ 350,000 | $ 175,000 | $ 52,000 |
| Henry County Georgia | 2 | $ 298,000 | $ 149,000 | $ 51,000 |
| Paulding County Georgia | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Peach County Georgia | 2 | $ 364,000 | $ 182,000 | $ 79,000 |
| Carroll County Illinois | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Kankakee County Illinois | 2 | $ 430,000 | $ 215,000 | $ 69,000 |
| Woodford County Illinois | 2 | $ 463,000 | $ 231,000 | $ 93,000 |
| Allen County Indiana | 2 | $ 194,000 | $ 97,000 | $ 45,000 |
| Hendricks County Indiana | 2 | $ 343,000 | $ 171,000 | $ 69,000 |
| Jasper County Indiana | 2 | $ 323,000 | $ 161,000 | $ 65,000 |
| LaPorte County Indiana | 2 | $ 349,000 | $ 174,000 | $ 60,000 |
| Harford County Maryland | 2 | $ 442,000 | $ 221,000 | $ 54,000 |
| Barry County Michigan | 2 | $ 365,000 | $ 182,000 | $ 64,000 |
| Washtenaw County Michigan | 2 | $ 367,000 | $ 183,000 | $ 55,000 |
| St. Charles County Missouri | 2 | $ 382,000 | $ 191,000 | $ 88,000 |
| Allen County Ohio | 2 | $ 114,000 | $ 57,000 | $ 30,000 |
| Clark County Ohio | 2 | $ 205,000 | $ 102,000 | $ 34,000 |
| Medina County Ohio | 2 | $ 285,000 | $ 142,000 | $ 64,000 |
| Trumbull County Ohio | 2 | $ 171,000 | $ 85,000 | $ 38,000 |
| Berkeley County South Carolina | 2 | $ 286,000 | $ 143,000 | $ 49,000 |
| Laurens County South Carolina | 2 | $ 278,000 | $ 139,000 | $ 55,000 |
| Spartanburg County South Carolina | 2 | $ 229,000 | $ 114,000 | $ 27,000 |
| Hamilton County Tennessee | 2 | $ 284,000 | $ 142,000 | $ 77,000 |
| Sevier County Tennessee | 2 | $ 211,000 | $ 105,000 | $ 39,000 |
| Baldwin County Alabama | 1 | $ 152,000 | $ 152,000 | $ 53,000 |
| Blount County Alabama | 1 | $ 138,000 | $ 138,000 | $ 36,000 |
| Coffee County Alabama | 1 | $ 126,000 | $ 126,000 | $ 41,000 |
| Jefferson County Alabama | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Lawrence County Alabama | 1 | $ 252,000 | $ 252,000 | $ 88,000 |
| Madison County Alabama | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Mobile County Alabama | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| Anchorage County Alaska | 1 | $ 222,000 | $ 222,000 | $ 51,000 |
| Coconino County Arizona | 1 | $ 213,000 | $ 213,000 | $ 40,000 |
| Yavapai County Arizona | 1 | $ 320,000 | $ 320,000 | $ 96,000 |
| Alameda County California | 1 | $ 279,000 | $ 279,000 | $ 69,000 |
| Fresno County California | 1 | $ 203,000 | $ 203,000 | $ 62,000 |
| Merced County California | 1 | $ 283,000 | $ 283,000 | $ 114,000 |
| Stanislaus County California | 1 | $ 271,000 | $ 271,000 | $ 79,000 |
| Yolo County California | 1 | $ 257,000 | $ 257,000 | $ 55,000 |
| Jefferson County Colorado | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Hartford County Connecticut | 1 | $ 88,000 | $ 88,000 | $ 31,000 |
| Alachua County Florida | 1 | $ 158,000 | $ 158,000 | $ 39,000 |
| Citrus County Florida | 1 | $ 121,000 | $ 121,000 | $ 35,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Lee County Florida | 1 | $ 84,000 | $ 84,000 | $ 36,000 |
| Leon County Florida | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Okaloosa County Florida | 1 | $ 114,000 | $ 114,000 | $ 50,000 |
| Palm Beach County Florida | 1 | $ 231,000 | $ 231,000 | $ 74,000 |
| Polk County Florida | 1 | $ 140,000 | $ 140,000 | $ 32,000 |
| Sumter County Florida | 1 | $ 37,000 | $ 37,000 | $ 20,000 |
| Taylor County Florida | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| Barrow County Georgia | 1 | $ 198,000 | $ 198,000 | $ 52,000 |
| Camden County Georgia | 1 | $ 142,000 | $ 142,000 | $ 82,000 |
| Chatham County Georgia | 1 | $ 270,000 | $ 270,000 | $ 188,000 |
| Clarke County Georgia | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Coweta County Georgia | 1 | $ 249,000 | $ 249,000 | $ 47,000 |
| Dodge County Georgia | 1 | $ 61,000 | $ 61,000 | $ 82,000 |
| Douglas County Georgia | 1 | $ 194,000 | $ 194,000 | $ 74,000 |
| Fayette County Georgia | 1 | $ 251,000 | $ 251,000 | $ 120,000 |
| Forsyth County Georgia | 1 | $ 113,000 | $ 113,000 | $ 40,000 |
| Gilmer County Georgia | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
| Glynn County Georgia | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Greene County Georgia | 1 | $ 128,000 | $ 128,000 | $ 59,000 |
| Gwinnett County Georgia | 1 | $ 218,000 | $ 218,000 | $ 97,000 |
| Heard County Georgia | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Houston County Georgia | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Jasper County Georgia | 1 | $ 249,000 | $ 249,000 | $ 46,000 |
| Jeff Davis County Georgia | 1 | $ 74,000 | $ 74,000 | $ 36,000 |
| Lee County Georgia | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Liberty County Georgia | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Lumpkin County Georgia | 1 | $ 71,000 | $ 71,000 | $ 28,000 |
| Monroe County Georgia | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Murray County Georgia | 1 | $ 142,000 | $ 142,000 | $ 70,000 |
| Oglethorpe County Georgia | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| Pulaski County Georgia | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Richmond County Georgia | 1 | $ 224,000 | $ 224,000 | $ 76,000 |
| Tift County Georgia | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Wilkes County Georgia | 1 | $ 99,000 | $ 99,000 | $ 27,000 |
| Worth County Georgia | 1 | $ 59,000 | $ 59,000 | $ 35,000 |
| Clark County Illinois | 1 | $ 63,000 | $ 63,000 | $ 92,000 |
| Ford County Illinois | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Fulton County Illinois | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Jo Daviess County Illinois | 1 | $ 131,000 | $ 131,000 | $ 39,000 |
| Knox County Illinois | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| Lee County Illinois | 1 | $ 146,000 | $ 146,000 | $ 46,000 |
| Monroe County Illinois | 1 | $ 265,000 | $ 265,000 | $ 98,000 |
| Peoria County Illinois | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Clinton County Indiana | 1 | $ 79,000 | $ 79,000 | $ 44,000 |
| Elkhart County Indiana | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Fountain County Indiana | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Gibson County Indiana | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Henry County Indiana | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Jennings County Indiana | 1 | $ 43,000 | $ 43,000 | $ 17,000 |
| Madison County Indiana | 1 | $ 99,000 | $ 99,000 | $ 65,000 |
| Montgomery County Indiana | 1 | $ 82,000 | $ 82,000 | $ 37,000 |
| Shelby County Indiana | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Hardin County Kentucky | 1 | $ 201,000 | $ 201,000 | $ 72,000 |
| Hopkins County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
| Jefferson County Kentucky | 1 | $ 103,000 | $ 103,000 | $ 47,000 |
| Scott County Kentucky | 1 | $ 269,000 | $ 269,000 | $ 75,000 |
| Calvert County Maryland | 1 | $ 278,000 | $ 278,000 | $ 81,000 |
| Cecil County Maryland | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Charles County Maryland | 1 | $ 348,000 | $ 348,000 | $ 117,000 |
| Washington County Maryland | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Branch County Michigan | 1 | $ 88,000 | $ 88,000 | $ 77,000 |
| Gladwin County Michigan | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| Ingham County Michigan | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| Lenawee County Michigan | 1 | $ 162,000 | $ 162,000 | $ 53,000 |
| Ottawa County Michigan | 1 | $ 61,000 | $ 61,000 | $ 60,000 |
| St. Clair County Michigan | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Butler County Missouri | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Christian County Missouri | 1 | $ 152,000 | $ 152,000 | $ 76,000 |
| Jackson County Missouri | 1 | $ 40,000 | $ 40,000 | $ 17,000 |
| Jefferson County Missouri | 1 | $ 146,000 | $ 146,000 | $ 56,000 |
| St. Louis City County Missouri | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Sandoval County New Mexico | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Buncombe County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 49,000 |
| Gaston County North Carolina | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Guilford County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Harnett County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 62,000 |
| Mecklenburg County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 27,000 |
| Rutherford County North Carolina | 1 | $ 207,000 | $ 207,000 | $ 60,000 |
| Athens County Ohio | 1 | $ 58,000 | $ 58,000 | $ 34,000 |
| Clermont County Ohio | 1 | $ 157,000 | $ 157,000 | $ 70,000 |
| Columbiana County Ohio | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Delaware County Ohio | 1 | $ 36,000 | $ 36,000 | $ 20,000 |
| Fairfield County Ohio | 1 | $ 213,000 | $ 213,000 | $ 82,000 |
| Gallia County Ohio | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Greene County Ohio | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Hancock County Ohio | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Knox County Ohio | 1 | $ 121,000 | $ 121,000 | $ 39,000 |
| Lake County Ohio | 1 | $ 220,000 | $ 220,000 | $ 109,000 |
| Licking County Ohio | 1 | $ 167,000 | $ 167,000 | $ 36,000 |
| Montgomery County Ohio | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Portage County Ohio | 1 | $ 203,000 | $ 203,000 | $ 35,000 |
| Stark County Ohio | 1 | $ 66,000 | $ 66,000 | $ 47,000 |
| Union County Ohio | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Warren County Ohio | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Wayne County Ohio | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Okmulgee County Oklahoma | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
| Multnomah County Oregon | 1 | $ 222,000 | $ 222,000 | $ 51,000 |
| Cumberland County Pennsylvania | 1 | $ 207,000 | $ 207,000 | $ 37,000 |
| Jefferson County Pennsylvania | 1 | $ 49,000 | $ 49,000 | $ 60,000 |
| Fairfield County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 28,000 |
| Lancaster County South Carolina | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Lexington County South Carolina | 1 | $ 122,000 | $ 122,000 | $ 59,000 |
| Orangeburg County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 28,000 |
| Cannon County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| Hamblen County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Jefferson County Tennessee | 1 | $ 104,000 | $ 104,000 | $ 25,000 |
| Loudon County Tennessee | 1 | $ 189,000 | $ 189,000 | $ 76,000 |
| Montgomery County Tennessee | 1 | $ 137,000 | $ 137,000 | $ 38,000 |
| Putnam County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Roane County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 104,000 |
| Shelby County Tennessee | 1 | $ 213,000 | $ 213,000 | $ 68,000 |
| Salt Lake County Utah | 1 | $ 183,000 | $ 183,000 | $ 61,000 |
| Montgomery County Virginia | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| La Crosse County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 31,000 |
| Oneida County Wisconsin | 1 | $ 111,000 | $ 111,000 | $ 59,000 |
| Racine County Wisconsin | 1 | $ 183,000 | $ 183,000 | $ 48,000 |
| Sauk County Wisconsin | 1 | $ 168,000 | $ 168,000 | $ 40,000 |
| Winnebago County 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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