Vibrant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Vibrant Credit Union 2021 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 | 1,163 |
| Total Mortgage Loan Application Amount | $179,035,000 |
| Average Mortgage Loan Application Amount | $142,400 |
| Highest Mortgage Loan Application Amount | $2,255,000 |
| Average Applicant Income | $102,600 |
| Highest Applicant Income | $1,580,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 378 | $ 42,590,000 | $ 112,000 | $ 80,000 |
| Scott County Iowa | 266 | $ 48,840,000 | $ 183,000 | $ 104,000 |
| Henry County Illinois | 146 | $ 18,310,000 | $ 125,000 | $ 88,000 |
| Vermilion County Illinois | 46 | $ 3,500,000 | $ 76,000 | $ 52,000 |
| Mercer County Illinois | 41 | $ 4,305,000 | $ 105,000 | $ 76,000 |
| Clinton County Iowa | 30 | $ 3,450,000 | $ 115,000 | $ 72,000 |
| Cook County Illinois | 18 | $ 6,120,000 | $ 340,000 | $ 216,000 |
| Whiteside County Illinois | 15 | $ 1,725,000 | $ 115,000 | $ 88,000 |
| Polk County Iowa | 12 | $ 2,150,000 | $ 179,000 | $ 92,000 |
| Jackson County Iowa | 9 | $ 1,665,000 | $ 185,000 | $ 99,000 |
| Linn County Iowa | 9 | $ 1,595,000 | $ 177,000 | $ 111,000 |
| DuPage County Illinois | 8 | $ 1,770,000 | $ 221,000 | $ 184,000 |
| Johnson County Iowa | 8 | $ 1,650,000 | $ 206,000 | $ 121,000 |
| Warren County Indiana | 7 | $ 595,000 | $ 85,000 | $ 62,000 |
| Knox County Illinois | 6 | $ 630,000 | $ 105,000 | $ 90,000 |
| Cedar County Iowa | 6 | $ 920,000 | $ 153,000 | $ 84,000 |
| Fountain County Indiana | 5 | $ 655,000 | $ 131,000 | $ 91,000 |
| Maricopa County Arizona | 4 | $ 2,510,000 | $ 627,000 | $ 229,000 |
| Broward County Florida | 4 | $ 830,000 | $ 207,000 | $ 146,000 |
| Hillsborough County Florida | 4 | $ 1,580,000 | $ 395,000 | $ 145,000 |
| Bureau County Illinois | 4 | $ 400,000 | $ 100,000 | $ 119,000 |
| Peoria County Illinois | 4 | $ 800,000 | $ 200,000 | $ 102,000 |
| Will County Illinois | 4 | $ 670,000 | $ 167,000 | $ 120,000 |
| Dallas County Iowa | 4 | $ 1,160,000 | $ 290,000 | $ 161,000 |
| Muscatine County Iowa | 4 | $ 340,000 | $ 85,000 | $ 85,000 |
| Palm Beach County Florida | 3 | $ 1,675,000 | $ 558,000 | $ 266,000 |
| Black Hawk County Iowa | 3 | $ 655,000 | $ 218,000 | $ 123,000 |
| Dubuque County Iowa | 3 | $ 405,000 | $ 135,000 | $ 114,000 |
| Story County Iowa | 3 | $ 595,000 | $ 198,000 | $ 104,000 |
| Baldwin County Alabama | 2 | $ 480,000 | $ 240,000 | $ 248,000 |
| Denver County Colorado | 2 | $ 580,000 | $ 290,000 | $ 73,000 |
| Collier County Florida | 2 | $ 530,000 | $ 265,000 | $ 114,000 |
| Miami-Dade County Florida | 2 | $ 200,000 | $ 100,000 | $ 58,000 |
| Sarasota County Florida | 2 | $ 310,000 | $ 155,000 | $ 86,000 |
| DeKalb County Illinois | 2 | $ 230,000 | $ 115,000 | $ 122,000 |
| Jo Daviess County Illinois | 2 | $ 310,000 | $ 155,000 | $ 64,000 |
| Kane County Illinois | 2 | $ 240,000 | $ 120,000 | $ 149,000 |
| Lake County Illinois | 2 | $ 430,000 | $ 215,000 | $ 128,000 |
| Sangamon County Illinois | 2 | $ 280,000 | $ 140,000 | $ 175,000 |
| Iowa County Iowa | 2 | $ 610,000 | $ 305,000 | $ 147,000 |
| Warren County Iowa | 2 | $ 390,000 | $ 195,000 | $ 114,000 |
| Harford County Maryland | 2 | $ 830,000 | $ 415,000 | $ 139,000 |
| Erie County Ohio | 2 | $ 690,000 | $ 345,000 | $ 288,000 |
| Grant County Wisconsin | 2 | $ 430,000 | $ 215,000 | $ 96,000 |
| Geneva County Alabama | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Benton County Arkansas | 1 | $ 205,000 | $ 205,000 | $ 204,000 |
| Washington County Arkansas | 1 | $ 545,000 | $ 545,000 | $ 228,000 |
| Riverside County California | 1 | $ 405,000 | $ 405,000 | $ 881,000 |
| San Diego County California | 1 | $ 165,000 | $ 165,000 | $ 621,000 |
| Santa Clara County California | 1 | $ 1,265,000 | $ 1,265,000 | $ 233,000 |
| Archuleta County Colorado | 1 | $ 295,000 | $ 295,000 | $ 676,000 |
| Larimer County Colorado | 1 | $ 355,000 | $ 355,000 | $ 214,000 |
| Hartford County Connecticut | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| New Haven County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Brevard County Florida | 1 | $ 395,000 | $ 395,000 | $ 140,000 |
| Charlotte County Florida | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Indian River County Florida | 1 | $ 245,000 | $ 245,000 | $ 147,000 |
| Lee County Florida | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,580,000 |
| Manatee County Florida | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Pinellas County Florida | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Putnam County Florida | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Dougherty County Georgia | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Fulton County Georgia | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Carroll County Illinois | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Stark County Illinois | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Warren County Illinois | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Winnebago County Illinois | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Clark County Indiana | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Vermillion County Indiana | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Benton County Iowa | 1 | $ 375,000 | $ 375,000 | $ 207,000 |
| Des Moines County Iowa | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Fremont County Iowa | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Jasper County Iowa | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Jones County Iowa | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Madison County Iowa | 1 | $ 165,000 | $ 165,000 | $ 170,000 |
| Marion County Iowa | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Pottawattamie County Iowa | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Wapello County Iowa | 1 | $ 725,000 | $ 725,000 | $ 355,000 |
| Wayne County Iowa | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Woodbury County Iowa | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Worcester County Maryland | 1 | $ 125,000 | $ 125,000 | $ 204,000 |
| Berrien County Michigan | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Chippewa County Michigan | 1 | $ 295,000 | $ 295,000 | $ 515,000 |
| Dakota County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Hennepin County Minnesota | 1 | $ 365,000 | $ 365,000 | $ 214,000 |
| Camden County Missouri | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Marion County Missouri | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| St. Charles County Missouri | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| St. Louis County Missouri | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Texas County Missouri | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Douglas County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Saline County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Passaic County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 223,000 |
| Somerset County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 175,000 |
| Bronx County New York | 1 | $ 645,000 | $ 645,000 | $ 274,000 |
| Franklin County New York | 1 | $ 325,000 | $ 325,000 | $ 263,000 |
| Monroe County New York | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Burke County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Gaston County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 371,000 |
| Northampton County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 396,000 |
| Richmond County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Cuyahoga County Ohio | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Franklin County Ohio | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Wood County Ohio | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Chester County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 201,000 |
| Cumberland County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 141,000 |
| Northampton County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 190,000 |
| Blount County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Chester County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Davidson County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Knox County Tennessee | 1 | $ 785,000 | $ 785,000 | $ 219,000 |
| Shelby County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Union County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Fort Bend County Texas | 1 | $ 495,000 | $ 495,000 | $ 218,000 |
| Harris County Texas | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Hood County Texas | 1 | $ 365,000 | $ 365,000 | $ 158,000 |
| Randall County Texas | 1 | $ 375,000 | $ 375,000 | $ 179,000 |
| Accomack County Virginia | 1 | $ 285,000 | $ 285,000 | $ 178,000 |
| Fairfax County Virginia | 1 | $ 355,000 | $ 355,000 | $ 149,000 |
| Franklin County Virginia | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Clark County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 129,000 |
| Door County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 467 | $63,825,000 | $136,000 | $1,605,000 | $98,000 | $926,000 |
| Home Purchase | 348 | $63,630,000 | $182,000 | $2,255,000 | $99,000 | $1,580,000 |
| Refinancing | 329 | $49,075,000 | $149,000 | $725,000 | $100,000 | $676,000 |
| Home Improvement | 11 | $1,955,000 | $177,000 | $355,000 | $115,000 | $202,000 |
| Other Purpose | 8 | $550,000 | $68,000 | $125,000 | $101,000 | $211,000 |
| 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 | 918 | $140,540,000 | $153,000 | $2,255,000 | $100,000 | $1,580,000 |
| Not Provided | 116 | $20,620,000 | $177,000 | $1,265,000 | $109,000 | $881,000 |
| Hispanic | 57 | $7,095,000 | $124,000 | $325,000 | $84,000 | $347,000 |
| Black or African American | 34 | $3,510,000 | $103,000 | $305,000 | $74,000 | $194,000 |
| Asian | 14 | $2,610,000 | $186,000 | $385,000 | $91,000 | $216,000 |
| American Indian or Alaskan Native | 6 | $970,000 | $161,000 | $225,000 | $90,000 | $143,000 |
| Not applicable | 4 | $910,000 | $227,000 | $685,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $68,000 | $68,000 |
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) | 1,150 | $176,880,000 | $153,000 | $2,255,000 | $100,000 | $1,580,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,455,000 | $161,000 | $275,000 | $49,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 3 | $575,000 | $191,000 | $235,000 | $67,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $50,000 | $50,000 |
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 | 1,066 | $166,440,000 | $156,000 | $2,255,000 | $101,000 | $1,580,000 |
| Application Withdrawn By Applicant | 88 | $12,020,000 | $136,000 | $705,000 | $85,000 | $390,000 |
| Application Denied By Financial Institution | 8 | $430,000 | $53,000 | $105,000 | $33,000 | $82,000 |
| Application Approved But Not Accepted | 1 | $145,000 | $145,000 | $145,000 | $53,000 | $53,000 |
| 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 | 1,155 | $178,605,000 | $154,000 | $2,255,000 | $100,000 | $1,580,000 |
| Collateral | 2 | $100,000 | $50,000 | $55,000 | $53,000 | $82,000 |
| Unverifiable Information | 2 | $50,000 | $25,000 | $35,000 | $20,000 | $40,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $105,000 | $105,000 | $105,000 | $23,000 | $23,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $31,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vibrant Credit Union's 2021 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.