Vibrant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Vibrant Credit Union 2018 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 | Vibrant Credit Union 1900 52Nd Ave Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,576 |
| Total Mortgage Loan Application Amount | $163,830,000 |
| Average Mortgage Loan Application Amount | $120,666 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $1,439,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Vibrant Credit Union. 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 Vibrant Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Vibrant Credit Union'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 Vibrant Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Vibrant Credit Union, 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 Vibrant Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rock Island County Illinois | 611 | $ 50,645,000 | $ 82,000 | $ 76,000 |
| Scott County Iowa | 329 | $ 50,125,000 | $ 152,000 | $ 108,000 |
| Henry County Illinois | 174 | $ 16,580,000 | $ 95,000 | $ 82,000 |
| Vermilion County Illinois | 94 | $ 5,850,000 | $ 62,000 | $ 66,000 |
| Mercer County Illinois | 63 | $ 3,975,000 | $ 63,000 | $ 74,000 |
| Clinton County Iowa | 37 | $ 3,655,000 | $ 98,000 | $ 78,000 |
| Whiteside County Illinois | 29 | $ 2,315,000 | $ 79,000 | $ 95,000 |
| Dubuque County Iowa | 19 | $ 1,605,000 | $ 84,000 | $ 75,000 |
| Cedar County Iowa | 12 | $ 1,010,000 | $ 84,000 | $ 113,000 |
| DeKalb County Illinois | 9 | $ 745,000 | $ 82,000 | $ 112,000 |
| Muscatine County Iowa | 9 | $ 1,125,000 | $ 125,000 | $ 241,000 |
| Carroll County Illinois | 8 | $ 930,000 | $ 116,000 | $ 86,000 |
| Fountain County Indiana | 7 | $ 535,000 | $ 76,000 | $ 66,000 |
| Warren County Indiana | 5 | $ 755,000 | $ 151,000 | $ 86,000 |
| Lee County Florida | 4 | $ 1,210,000 | $ 302,000 | $ 476,000 |
| Linn County Iowa | 4 | $ 470,000 | $ 117,000 | $ 72,000 |
| Bureau County Illinois | 3 | $ 505,000 | $ 168,000 | $ 81,000 |
| Cook County Illinois | 3 | $ 385,000 | $ 128,000 | $ 89,000 |
| DuPage County Illinois | 3 | $ 615,000 | $ 205,000 | $ 123,000 |
| Peoria County Illinois | 3 | $ 445,000 | $ 148,000 | $ 109,000 |
| Vermillion County Indiana | 3 | $ 155,000 | $ 51,000 | $ 35,000 |
| Dallas County Iowa | 3 | $ 595,000 | $ 198,000 | $ 112,000 |
| Jackson County Iowa | 3 | $ 755,000 | $ 251,000 | $ 249,000 |
| Charlotte County Florida | 2 | $ 200,000 | $ 100,000 | $ 128,000 |
| Orange County Florida | 2 | $ 500,000 | $ 250,000 | $ 155,000 |
| Henderson County Illinois | 2 | $ 210,000 | $ 105,000 | $ 90,000 |
| Kane County Illinois | 2 | $ 810,000 | $ 405,000 | $ 84,000 |
| Knox County Illinois | 2 | $ 270,000 | $ 135,000 | $ 86,000 |
| LaSalle County Illinois | 2 | $ 290,000 | $ 145,000 | $ 85,000 |
| Madison County Illinois | 2 | $ 190,000 | $ 95,000 | $ 85,000 |
| McDonough County Illinois | 2 | $ 90,000 | $ 45,000 | $ 77,000 |
| St. Clair County Illinois | 2 | $ 230,000 | $ 115,000 | $ 82,000 |
| Warren County Illinois | 2 | $ 30,000 | $ 15,000 | $ 112,000 |
| Lake County Indiana | 2 | $ 450,000 | $ 225,000 | $ 111,000 |
| Clayton County Iowa | 2 | $ 250,000 | $ 125,000 | $ 94,000 |
| St. Louis County Missouri | 2 | $ 330,000 | $ 165,000 | $ 66,000 |
| Shawano County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 84,000 |
| Baldwin County Alabama | 1 | $ 185,000 | $ 185,000 | $ 222,000 |
| Benton County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 117,000 |
| Merced County California | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Stanislaus County California | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Routt County Colorado | 1 | $ 655,000 | $ 655,000 | $ 130,000 |
| Litchfield County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| New London County Connecticut | 1 | $ 435,000 | $ 435,000 | $ 267,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Collier County Florida | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Indian River County Florida | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Lake County Florida | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Pinellas County Florida | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| St. Johns County Florida | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Columbia County Georgia | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Maui County Hawaii | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| Fulton County Illinois | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Kankakee County Illinois | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Massac County Illinois | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| McLean County Illinois | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| Morgan County Illinois | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Ogle County Illinois | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Piatt County Illinois | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Union County Illinois | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Will County Illinois | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Tippecanoe County Indiana | 1 | $ 335,000 | $ 335,000 | $ 219,000 |
| Black Hawk County Iowa | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Chickasaw County Iowa | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Guthrie County Iowa | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Johnson County Iowa | 1 | $ 195,000 | $ 195,000 | $ 449,000 |
| Warren County Iowa | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Johnson County Kansas | 1 | $ 295,000 | $ 295,000 | $ 117,000 |
| Crittenden County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| St. John the Baptist County Louisiana | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Berrien County Michigan | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Mason County Michigan | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Muskegon County Michigan | 1 | $ 285,000 | $ 285,000 | $ 128,000 |
| Winona County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Jasper County Missouri | 1 | $ 115,000 | $ 115,000 | $ 116,000 |
| Newton County Missouri | 1 | $ 155,000 | $ 155,000 | $ 322,000 |
| Stone County Missouri | 1 | $ 75,000 | $ 75,000 | $ 215,000 |
| Webster County Missouri | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Lancaster County Nebraska | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Clark County Nevada | 1 | $ 245,000 | $ 245,000 | $ 43,000 |
| Washoe County Nevada | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Monroe County New York | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Buncombe County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Forsyth County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Mecklenburg County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 183,000 |
| Moore County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| Union County Ohio | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Warren County Ohio | 1 | $ 605,000 | $ 605,000 | $ 35,000 |
| Oklahoma County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Cocke County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Davidson County Tennessee | 1 | $ 485,000 | $ 485,000 | $ 24,000 |
| Sevier County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Comal County Texas | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Columbia County Wisconsin | 1 | $ 565,000 | $ 565,000 | $ 353,000 |
| Grant County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Walworth County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 595 | $82,675,000 | $138,000 | $1,125,000 | $84,000 | $749,000 |
| Refinancing | 302 | $29,770,000 | $98,000 | $825,000 | $94,000 | $1,439,000 |
| Cash-out Refinancing | 252 | $36,170,000 | $143,000 | $725,000 | $89,000 | $373,000 |
| Other Purpose | 247 | $8,655,000 | $35,000 | $195,000 | $87,000 | $388,000 |
| Home Improvement | 179 | $6,285,000 | $35,000 | $185,000 | $88,000 | $300,000 |
| Not Applicable | 1 | $275,000 | $275,000 | $275,000 | $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 | 1,343 | $140,005,000 | $104,000 | $1,125,000 | $89,000 | $1,439,000 |
| Not Provided | 60 | $7,670,000 | $127,000 | $365,000 | $94,000 | $388,000 |
| Hispanic | 60 | $4,010,000 | $66,000 | $285,000 | $63,000 | $165,000 |
| Black or African American | 44 | $4,080,000 | $92,000 | $355,000 | $68,000 | $173,000 |
| Not applicable | 44 | $3,650,000 | $82,000 | $385,000 | $126,000 | $126,000 |
| Asian | 15 | $2,275,000 | $151,000 | $435,000 | $81,000 | $267,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $5,000 | $5,000 | $5,000 | $100,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,492 | $152,050,000 | $101,000 | $1,125,000 | $89,000 | $1,439,000 |
| FHA-insured (Federal Housing Administration) | 45 | $5,285,000 | $117,000 | $285,000 | $64,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,665,000 | $182,000 | $355,000 | $73,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $830,000 | $103,000 | $155,000 | $56,000 | $79,000 |
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 | 1,328 | $145,650,000 | $109,000 | $1,125,000 | $89,000 | $1,439,000 |
| Application Withdrawn By Applicant | 141 | $10,425,000 | $73,000 | $545,000 | $83,000 | $488,000 |
| Application Denied By Financial Institution | 93 | $5,895,000 | $63,000 | $605,000 | $68,000 | $191,000 |
| File Closed For Incompleteness | 13 | $1,845,000 | $141,000 | $255,000 | $88,000 | $158,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $136,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,483 | $157,935,000 | $106,000 | $1,125,000 | $89,000 | $1,439,000 |
| Debt-To-Income Ratio | 41 | $2,585,000 | $63,000 | $605,000 | $61,000 | $183,000 |
| Credit History | 30 | $1,260,000 | $42,000 | $175,000 | $80,000 | $140,000 |
| Collateral | 11 | $985,000 | $89,000 | $255,000 | $80,000 | $191,000 |
| Other | 8 | $810,000 | $101,000 | $275,000 | $62,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $145,000 | $51,000 | $54,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vibrant Credit Union's 2018 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 Vibrant Credit Union'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 Illinois, download the full spreadsheet
with aggregated HMDA statistics today.