Vibrant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Vibrant Credit Union 2020 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 | 1,717 |
| Total Mortgage Loan Application Amount | $249,475,000 |
| Average Mortgage Loan Application Amount | $124,800 |
| Highest Mortgage Loan Application Amount | $1,285,000 |
| Average Applicant Income | $91,400 |
| Highest Applicant Income | $1,570,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 568 | $ 61,940,000 | $ 109,000 | $ 87,000 |
| Scott County Iowa | 407 | $ 70,145,000 | $ 172,000 | $ 107,000 |
| Henry County Illinois | 209 | $ 22,485,000 | $ 107,000 | $ 88,000 |
| Mercer County Illinois | 66 | $ 6,760,000 | $ 102,000 | $ 91,000 |
| Clinton County Iowa | 63 | $ 7,855,000 | $ 124,000 | $ 90,000 |
| Vermilion County Illinois | 34 | $ 2,250,000 | $ 66,000 | $ 48,000 |
| Polk County Iowa | 33 | $ 5,565,000 | $ 168,000 | $ 99,000 |
| Whiteside County Illinois | 31 | $ 3,135,000 | $ 101,000 | $ 79,000 |
| Cook County Illinois | 21 | $ 5,845,000 | $ 278,000 | $ 156,000 |
| Johnson County Iowa | 11 | $ 3,255,000 | $ 295,000 | $ 101,000 |
| Knox County Illinois | 10 | $ 930,000 | $ 93,000 | $ 72,000 |
| Dubuque County Iowa | 10 | $ 1,330,000 | $ 133,000 | $ 106,000 |
| Linn County Iowa | 10 | $ 2,350,000 | $ 235,000 | $ 120,000 |
| Cedar County Iowa | 9 | $ 1,295,000 | $ 143,000 | $ 62,000 |
| Dallas County Iowa | 9 | $ 2,545,000 | $ 282,000 | $ 160,000 |
| DeKalb County Illinois | 8 | $ 790,000 | $ 98,000 | $ 93,000 |
| Muscatine County Iowa | 8 | $ 1,440,000 | $ 180,000 | $ 94,000 |
| Richmond County North Carolina | 8 | $ 1,590,000 | $ 198,000 | $ 126,000 |
| Will County Illinois | 7 | $ 1,135,000 | $ 162,000 | $ 89,000 |
| Bureau County Illinois | 6 | $ 540,000 | $ 90,000 | $ 52,000 |
| Carroll County Illinois | 6 | $ 690,000 | $ 115,000 | $ 122,000 |
| Harford County Maryland | 6 | $ 1,920,000 | $ 320,000 | $ 207,000 |
| Maricopa County Arizona | 5 | $ 1,405,000 | $ 281,000 | $ 101,000 |
| Lake County Indiana | 5 | $ 865,000 | $ 173,000 | $ 89,000 |
| Warren County Iowa | 5 | $ 1,235,000 | $ 247,000 | $ 114,000 |
| Broward County Florida | 4 | $ 1,330,000 | $ 332,000 | $ 236,000 |
| Collier County Florida | 4 | $ 1,420,000 | $ 355,000 | $ 159,000 |
| DuPage County Illinois | 4 | $ 1,290,000 | $ 322,000 | $ 233,000 |
| Fountain County Indiana | 4 | $ 430,000 | $ 107,000 | $ 89,000 |
| Warren County Indiana | 4 | $ 760,000 | $ 190,000 | $ 92,000 |
| Travis County Texas | 4 | $ 2,080,000 | $ 520,000 | $ 280,000 |
| Pinal County Arizona | 3 | $ 455,000 | $ 151,000 | $ 46,000 |
| Hillsborough County Florida | 3 | $ 745,000 | $ 248,000 | $ 102,000 |
| Lake County Florida | 3 | $ 345,000 | $ 115,000 | $ 41,000 |
| Kane County Illinois | 3 | $ 515,000 | $ 171,000 | $ 90,000 |
| Peoria County Illinois | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Vermillion County Indiana | 3 | $ 165,000 | $ 55,000 | $ 61,000 |
| Black Hawk County Iowa | 3 | $ 595,000 | $ 198,000 | $ 140,000 |
| Hennepin County Minnesota | 3 | $ 1,245,000 | $ 415,000 | $ 148,000 |
| Columbia County Wisconsin | 3 | $ 1,075,000 | $ 358,000 | $ 351,000 |
| Baldwin County Alabama | 2 | $ 450,000 | $ 225,000 | $ 254,000 |
| Sacramento County California | 2 | $ 560,000 | $ 280,000 | $ 94,000 |
| Hartford County Connecticut | 2 | $ 570,000 | $ 285,000 | $ 217,000 |
| Polk County Florida | 2 | $ 490,000 | $ 245,000 | $ 108,000 |
| Winnebago County Illinois | 2 | $ 170,000 | $ 85,000 | $ 90,000 |
| Boone County Iowa | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Jackson County Iowa | 2 | $ 160,000 | $ 80,000 | $ 33,000 |
| Louisa County Iowa | 2 | $ 320,000 | $ 160,000 | $ 82,000 |
| Monroe County Iowa | 2 | $ 360,000 | $ 180,000 | $ 121,000 |
| Woodbury County Iowa | 2 | $ 430,000 | $ 215,000 | $ 74,000 |
| Douglas County Nebraska | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Clark County Nevada | 2 | $ 590,000 | $ 295,000 | $ 70,000 |
| Buncombe County North Carolina | 2 | $ 240,000 | $ 120,000 | $ 176,000 |
| Wake County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 75,000 |
| Washington County Arkansas | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Alameda County California | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| San Diego County California | 1 | $ 445,000 | $ 445,000 | $ 138,000 |
| Archuleta County Colorado | 1 | $ 295,000 | $ 295,000 | $ 446,000 |
| Denver County Colorado | 1 | $ 365,000 | $ 365,000 | $ 196,000 |
| Grand County Colorado | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Jefferson County Colorado | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Routt County Colorado | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Weld County Colorado | 1 | $ 355,000 | $ 355,000 | $ 83,000 |
| Citrus County Florida | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Lee County Florida | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Miami-Dade County Florida | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 755,000 | $ 755,000 | $ 1,570,000 |
| Pasco County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pinellas County Florida | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| St. Lucie County Florida | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Volusia County Florida | 1 | $ 375,000 | $ 375,000 | $ 126,000 |
| Walton County Florida | 1 | $ 1,285,000 | $ 1,285,000 | $ 313,000 |
| McIntosh County Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Kendall County Illinois | 1 | $ 265,000 | $ 265,000 | $ 148,000 |
| LaSalle County Illinois | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Ogle County Illinois | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Piatt County Illinois | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Warren County Illinois | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Boone County Indiana | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Clark County Indiana | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Floyd County Indiana | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Hamilton County Indiana | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Harrison County Indiana | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Montgomery County Indiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Perry County Indiana | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Bremer County Iowa | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Cerro Gordo County Iowa | 1 | $ 125,000 | $ 125,000 | $ 137,000 |
| Floyd County Iowa | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Grundy County Iowa | 1 | $ 765,000 | $ 765,000 | $ 731,000 |
| Guthrie County Iowa | 1 | $ 875,000 | $ 875,000 | $ 92,000 |
| Hardin County Iowa | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Lee County Iowa | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Madison County Iowa | 1 | $ 165,000 | $ 165,000 | $ 0 |
| O'Brien County Iowa | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Tama County Iowa | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Haskell County Kansas | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Riley County Kansas | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Jefferson County Louisiana | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Waldo County Maine | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Alger County Michigan | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Macomb County Michigan | 1 | $ 235,000 | $ 235,000 | $ 101,000 |
| Becker County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Carver County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Cass County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Rice County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Alcorn County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Winston County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Camden County Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cass County Missouri | 1 | $ 275,000 | $ 275,000 | $ 119,000 |
| Macon County Missouri | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| St. Louis County Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dakota County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 74,000 |
| Sarpy County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Washoe County Nevada | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Ocean County New Jersey | 1 | $ 605,000 | $ 605,000 | $ 1,030,000 |
| Suffolk County New York | 1 | $ 1,065,000 | $ 1,065,000 | $ 1,100,000 |
| Burke County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Mecklenburg County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 187,000 |
| Pitt County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 201,000 |
| Montgomery County Ohio | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Portage County Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Delaware County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Snyder County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Berkeley County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 99,000 |
| Codington County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Loudon County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 228,000 |
| Dallas County Texas | 1 | $ 445,000 | $ 445,000 | $ 92,000 |
| Harris County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tyler County Texas | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Williamson County Texas | 1 | $ 335,000 | $ 335,000 | $ 138,000 |
| Grant County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 113,000 |
| Jackson County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 231,000 |
| Oneida County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 174,000 |
| Outagamie County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Shawano County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2020
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 | 767 | $119,965,000 | $156,000 | $1,115,000 | $106,000 | $576,000 |
| Cash-out Refinancing | 511 | $69,135,000 | $135,000 | $1,065,000 | $109,000 | $1,100,000 |
| Home Purchase | 359 | $56,065,000 | $156,000 | $1,285,000 | $90,000 | $1,570,000 |
| Other Purpose | 78 | $4,060,000 | $52,000 | $875,000 | $86,000 | $230,000 |
| Home Improvement | 2 | $250,000 | $125,000 | $125,000 | $66,000 | $66,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 1,316 | $194,540,000 | $147,000 | $1,285,000 | $101,000 | $1,570,000 |
| Not Provided | 242 | $31,250,000 | $129,000 | $765,000 | $107,000 | $731,000 |
| Hispanic | 65 | $8,995,000 | $138,000 | $445,000 | $76,000 | $214,000 |
| Black or African American | 36 | $4,920,000 | $136,000 | $395,000 | $72,000 | $201,000 |
| Not applicable | 18 | $1,390,000 | $77,000 | $385,000 | $53,000 | $76,000 |
| Asian | 14 | $2,790,000 | $199,000 | $385,000 | $108,000 | $340,000 |
| American Indian or Alaskan Native | 4 | $290,000 | $72,000 | $155,000 | $75,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $278,000 | $278,000 |
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) | 1,686 | $244,840,000 | $145,000 | $1,285,000 | $101,000 | $1,570,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,390,000 | $99,000 | $155,000 | $42,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,640,000 | $220,000 | $375,000 | $127,000 | $463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $605,000 | $121,000 | $145,000 | $47,000 | $65,000 |
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 | 1,600 | $232,920,000 | $145,000 | $1,285,000 | $101,000 | $1,570,000 |
| Application Withdrawn By Applicant | 98 | $14,230,000 | $145,000 | $615,000 | $80,000 | $201,000 |
| Application Denied By Financial Institution | 19 | $2,325,000 | $122,000 | $425,000 | $75,000 | $264,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,698 | $247,150,000 | $145,000 | $1,285,000 | $101,000 | $1,570,000 |
| Collateral | 6 | $920,000 | $153,000 | $425,000 | $264,000 | $264,000 |
| Debt-To-Income Ratio | 5 | $705,000 | $141,000 | $255,000 | $57,000 | $58,000 |
| Other | 3 | $195,000 | $65,000 | $95,000 | $69,000 | $69,000 |
| Credit History | 3 | $345,000 | $115,000 | $175,000 | $31,000 | $38,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $17,000 | $17,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vibrant Credit Union's 2020 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.