Vibrant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Vibrant Credit Union 2019 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 | 1,422 |
| Total Mortgage Loan Application Amount | $173,620,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $591,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 538 | $ 47,870,000 | $ 88,000 | $ 73,000 |
| Scott County Iowa | 322 | $ 55,420,000 | $ 172,000 | $ 111,000 |
| Henry County Illinois | 164 | $ 17,040,000 | $ 103,000 | $ 82,000 |
| Vermilion County Illinois | 56 | $ 3,790,000 | $ 67,000 | $ 61,000 |
| Mercer County Illinois | 46 | $ 3,980,000 | $ 86,000 | $ 70,000 |
| Clinton County Iowa | 40 | $ 5,120,000 | $ 128,000 | $ 81,000 |
| Whiteside County Illinois | 29 | $ 3,055,000 | $ 105,000 | $ 88,000 |
| Muscatine County Iowa | 11 | $ 2,515,000 | $ 228,000 | $ 122,000 |
| Cook County Illinois | 10 | $ 1,300,000 | $ 130,000 | $ 91,000 |
| DeKalb County Illinois | 9 | $ 745,000 | $ 82,000 | $ 61,000 |
| Polk County Iowa | 9 | $ 1,475,000 | $ 163,000 | $ 75,000 |
| Dubuque County Iowa | 8 | $ 1,050,000 | $ 131,000 | $ 151,000 |
| Carroll County Illinois | 6 | $ 600,000 | $ 100,000 | $ 62,000 |
| Linn County Iowa | 6 | $ 1,090,000 | $ 181,000 | $ 154,000 |
| Hillsborough County Florida | 5 | $ 1,785,000 | $ 357,000 | $ 176,000 |
| Bureau County Illinois | 5 | $ 475,000 | $ 95,000 | $ 49,000 |
| Fountain County Indiana | 5 | $ 225,000 | $ 45,000 | $ 56,000 |
| Benton County Iowa | 5 | $ 435,000 | $ 87,000 | $ 110,000 |
| Jackson County Iowa | 5 | $ 595,000 | $ 119,000 | $ 85,000 |
| DuPage County Illinois | 4 | $ 480,000 | $ 120,000 | $ 77,000 |
| Will County Illinois | 4 | $ 680,000 | $ 170,000 | $ 102,000 |
| Lake County Indiana | 4 | $ 860,000 | $ 215,000 | $ 93,000 |
| Vermillion County Indiana | 4 | $ 190,000 | $ 47,000 | $ 86,000 |
| Maricopa County Arizona | 3 | $ 955,000 | $ 318,000 | $ 99,000 |
| New London County Connecticut | 3 | $ 735,000 | $ 245,000 | $ 379,000 |
| Collier County Florida | 3 | $ 615,000 | $ 205,000 | $ 158,000 |
| Knox County Illinois | 3 | $ 345,000 | $ 115,000 | $ 85,000 |
| Warren County Illinois | 3 | $ 255,000 | $ 85,000 | $ 111,000 |
| Winnebago County Illinois | 3 | $ 315,000 | $ 105,000 | $ 79,000 |
| Warren County Indiana | 3 | $ 415,000 | $ 138,000 | $ 89,000 |
| Cedar County Iowa | 3 | $ 395,000 | $ 131,000 | $ 81,000 |
| Macomb County Michigan | 3 | $ 435,000 | $ 145,000 | $ 89,000 |
| Oakland County Michigan | 3 | $ 775,000 | $ 258,000 | $ 125,000 |
| Clark County Nevada | 3 | $ 165,000 | $ 55,000 | $ 144,000 |
| Dane County Wisconsin | 3 | $ 645,000 | $ 215,000 | $ 112,000 |
| Weld County Colorado | 2 | $ 560,000 | $ 280,000 | $ 98,000 |
| Hartford County Connecticut | 2 | $ 490,000 | $ 245,000 | $ 186,000 |
| Lee County Florida | 2 | $ 540,000 | $ 270,000 | $ 412,000 |
| Peoria County Illinois | 2 | $ 240,000 | $ 120,000 | $ 80,000 |
| Washington County Iowa | 2 | $ 250,000 | $ 125,000 | $ 91,000 |
| Camden County Missouri | 2 | $ 350,000 | $ 175,000 | $ 219,000 |
| Shelby County Missouri | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| St. Charles County Missouri | 2 | $ 510,000 | $ 255,000 | $ 104,000 |
| Washoe County Nevada | 2 | $ 280,000 | $ 140,000 | $ 107,000 |
| Delaware County Oklahoma | 2 | $ 520,000 | $ 260,000 | $ 80,000 |
| Fort Bend County Texas | 2 | $ 500,000 | $ 250,000 | $ 222,000 |
| Rockwall County Texas | 2 | $ 460,000 | $ 230,000 | $ 95,000 |
| Travis County Texas | 2 | $ 580,000 | $ 290,000 | $ 252,000 |
| Milwaukee County Wisconsin | 2 | $ 560,000 | $ 280,000 | $ 257,000 |
| Outagamie County Wisconsin | 2 | $ 90,000 | $ 45,000 | $ 149,000 |
| Lauderdale County Alabama | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Benton County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Sacramento County California | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Arapahoe County Colorado | 1 | $ 335,000 | $ 335,000 | $ 85,000 |
| Denver County Colorado | 1 | $ 365,000 | $ 365,000 | $ 190,000 |
| Mesa County Colorado | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Brevard County Florida | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Columbia County Florida | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Palm Beach County Florida | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Pinellas County Florida | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Columbia County Georgia | 1 | $ 35,000 | $ 35,000 | $ 193,000 |
| Fulton County Georgia | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Champaign County Illinois | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Henderson County Illinois | 1 | $ 185,000 | $ 185,000 | $ 190,000 |
| Jo Daviess County Illinois | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Kendall County Illinois | 1 | $ 25,000 | $ 25,000 | $ 112,000 |
| Madison County Illinois | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Marshall County Illinois | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Clark County Indiana | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Floyd County Indiana | 1 | $ 155,000 | $ 155,000 | $ 51,000 |
| Jasper County Indiana | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Black Hawk County Iowa | 1 | $ 245,000 | $ 245,000 | $ 143,000 |
| Dallas County Iowa | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Des Moines County Iowa | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Fremont County Iowa | 1 | $ 265,000 | $ 265,000 | $ 129,000 |
| Jasper County Iowa | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Johnson County Iowa | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Lucas County Iowa | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Marshall County Iowa | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Woodbury County Iowa | 1 | $ 255,000 | $ 255,000 | $ 104,000 |
| Jefferson County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Kalamazoo County Michigan | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Van Buren County Michigan | 1 | $ 255,000 | $ 255,000 | $ 360,000 |
| Washtenaw County Michigan | 1 | $ 485,000 | $ 485,000 | $ 168,000 |
| Olmsted County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 91,000 |
| St. Louis County Missouri | 1 | $ 285,000 | $ 285,000 | $ 123,000 |
| Sarpy County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| Burke County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Lenoir County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Richmond County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Richland County Ohio | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Marshall County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Tulsa County Oklahoma | 1 | $ 485,000 | $ 485,000 | $ 282,000 |
| Clackamas County Oregon | 1 | $ 335,000 | $ 335,000 | $ 164,000 |
| Yamhill County Oregon | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Oconee County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Union County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Cheatham County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Clay County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Davidson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Bexar County Texas | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| Harris County Texas | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Hays County Texas | 1 | $ 355,000 | $ 355,000 | $ 272,000 |
| San Patricio County Texas | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Grant County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 163,000 |
| Oneida County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Portage County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Walworth County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 140,000 |
| Washington County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Waupaca County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2019
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 | 440 | $69,270,000 | $157,000 | $745,000 | $87,000 | $591,000 |
| Cash-out Refinancing | 415 | $50,575,000 | $121,000 | $555,000 | $91,000 | $475,000 |
| Refinancing | 286 | $41,200,000 | $144,000 | $1,485,000 | $94,000 | $584,000 |
| Other Purpose | 272 | $12,100,000 | $44,000 | $415,000 | $84,000 | $444,000 |
| Home Improvement | 8 | $280,000 | $35,000 | $85,000 | $66,000 | $126,000 |
| Not Applicable | 1 | $195,000 | $195,000 | $195,000 | $82,000 | $82,000 |
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 | 1,103 | $139,435,000 | $126,000 | $1,485,000 | $89,000 | $591,000 |
| Not Provided | 209 | $19,615,000 | $93,000 | $485,000 | $86,000 | $360,000 |
| Hispanic | 43 | $4,635,000 | $107,000 | $475,000 | $79,000 | $375,000 |
| Black or African American | 25 | $2,245,000 | $89,000 | $345,000 | $57,000 | $188,000 |
| Asian | 24 | $4,850,000 | $202,000 | $555,000 | $148,000 | $475,000 |
| Not applicable | 5 | $145,000 | $29,000 | $35,000 | $72,000 | $140,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $85,000 | $34,000 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,348 | $162,600,000 | $120,000 | $1,485,000 | $90,000 | $591,000 |
| FHA-insured (Federal Housing Administration) | 53 | $7,075,000 | $133,000 | $285,000 | $67,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,340,000 | $208,000 | $455,000 | $66,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $605,000 | $121,000 | $155,000 | $52,000 | $61,000 |
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 | 1,262 | $157,760,000 | $125,000 | $1,485,000 | $90,000 | $591,000 |
| Application Withdrawn By Applicant | 84 | $9,250,000 | $110,000 | $485,000 | $78,000 | $444,000 |
| Application Denied By Financial Institution | 72 | $6,280,000 | $87,000 | $635,000 | $77,000 | $282,000 |
| Application Approved But Not Accepted | 2 | $70,000 | $35,000 | $55,000 | $30,000 | $31,000 |
| File Closed For Incompleteness | 2 | $260,000 | $130,000 | $195,000 | $39,000 | $39,000 |
| 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 | 1,350 | $167,340,000 | $123,000 | $1,485,000 | $90,000 | $591,000 |
| Debt-To-Income Ratio | 31 | $2,885,000 | $93,000 | $235,000 | $77,000 | $168,000 |
| Collateral | 17 | $1,765,000 | $103,000 | $635,000 | $81,000 | $282,000 |
| Credit History | 14 | $850,000 | $60,000 | $165,000 | $87,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $300,000 | $75,000 | $95,000 | $55,000 | $78,000 |
| Other | 3 | $205,000 | $68,000 | $85,000 | $80,000 | $86,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 1 | $15,000 | $15,000 | $15,000 | $42,000 | $42,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vibrant Credit Union's 2019 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.