Vibrant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Vibrant Credit Union 2022 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 | 937 |
| Total Mortgage Loan Application Amount | $110,455,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $4,405,000 |
| Average Applicant Income | $99,800 |
| Highest Applicant Income | $1,617,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 297 | $ 25,595,000 | $ 86,000 | $ 77,000 |
| Scott County Iowa | 188 | $ 22,990,000 | $ 122,000 | $ 108,000 |
| Henry County Illinois | 133 | $ 12,705,000 | $ 95,000 | $ 81,000 |
| Clinton County Iowa | 41 | $ 3,205,000 | $ 78,000 | $ 82,000 |
| Vermilion County Illinois | 31 | $ 1,795,000 | $ 57,000 | $ 60,000 |
| Mercer County Illinois | 24 | $ 1,940,000 | $ 80,000 | $ 93,000 |
| Whiteside County Illinois | 24 | $ 1,780,000 | $ 74,000 | $ 93,000 |
| Polk County Iowa | 10 | $ 1,490,000 | $ 149,000 | $ 114,000 |
| Fountain County Indiana | 8 | $ 650,000 | $ 81,000 | $ 78,000 |
| Cook County Illinois | 7 | $ 1,105,000 | $ 157,000 | $ 138,000 |
| Bureau County Illinois | 5 | $ 315,000 | $ 63,000 | $ 99,000 |
| Carroll County Illinois | 5 | $ 275,000 | $ 55,000 | $ 85,000 |
| Will County Illinois | 5 | $ 445,000 | $ 89,000 | $ 112,000 |
| Vermillion County Indiana | 5 | $ 355,000 | $ 71,000 | $ 108,000 |
| Linn County Iowa | 5 | $ 825,000 | $ 165,000 | $ 78,000 |
| Muscatine County Iowa | 5 | $ 785,000 | $ 157,000 | $ 85,000 |
| Maricopa County Arizona | 4 | $ 5,650,000 | $ 1,412,000 | $ 512,000 |
| DuPage County Illinois | 4 | $ 800,000 | $ 200,000 | $ 152,000 |
| Warren County Indiana | 4 | $ 390,000 | $ 97,000 | $ 125,000 |
| Hillsborough County Florida | 3 | $ 405,000 | $ 135,000 | $ 198,000 |
| Peoria County Illinois | 3 | $ 255,000 | $ 85,000 | $ 83,000 |
| Cedar County Iowa | 3 | $ 495,000 | $ 165,000 | $ 72,000 |
| Fairfax County Virginia | 3 | $ 765,000 | $ 255,000 | $ 156,000 |
| Grant County Wisconsin | 3 | $ 105,000 | $ 35,000 | $ 101,000 |
| Hartford County Connecticut | 2 | $ 100,000 | $ 50,000 | $ 106,000 |
| Cobb County Georgia | 2 | $ 330,000 | $ 165,000 | $ 384,000 |
| DeKalb County Illinois | 2 | $ 230,000 | $ 115,000 | $ 116,000 |
| Kane County Illinois | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| McLean County Illinois | 2 | $ 530,000 | $ 265,000 | $ 106,000 |
| Jackson County Iowa | 2 | $ 100,000 | $ 50,000 | $ 76,000 |
| Johnson County Iowa | 2 | $ 1,480,000 | $ 740,000 | $ 353,000 |
| Warren County Iowa | 2 | $ 530,000 | $ 265,000 | $ 138,000 |
| Walworth County Wisconsin | 2 | $ 670,000 | $ 335,000 | $ 135,000 |
| Baldwin County Alabama | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Jefferson County Alabama | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Pima County Arizona | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Pinal County Arizona | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Yavapai County Arizona | 1 | $ 2,135,000 | $ 2,135,000 | $ 839,000 |
| Washington County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 349,000 |
| San Diego County California | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Ventura County California | 1 | $ 255,000 | $ 255,000 | $ 161,000 |
| Adams County Colorado | 1 | $ 145,000 | $ 145,000 | $ 179,000 |
| Denver County Colorado | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| El Paso County Colorado | 1 | $ 1,085,000 | $ 1,085,000 | $ 311,000 |
| Jefferson County Colorado | 1 | $ 165,000 | $ 165,000 | $ 544,000 |
| New Haven County Connecticut | 1 | $ 665,000 | $ 665,000 | $ 300,000 |
| New London County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 317,000 |
| Indian River County Florida | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Lee County Florida | 1 | $ 1,805,000 | $ 1,805,000 | $ 1,617,000 |
| Manatee County Florida | 1 | $ 445,000 | $ 445,000 | $ 499,000 |
| Palm Beach County Florida | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Pasco County Florida | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Volusia County Florida | 1 | $ 185,000 | $ 185,000 | $ 350,000 |
| Hall County Georgia | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Jackson County Georgia | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Toombs County Georgia | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Towns County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Champaign County Illinois | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Grundy County Illinois | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Hardin County Illinois | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Kankakee County Illinois | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Madison County Illinois | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Marshall County Illinois | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| McDonough County Illinois | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| McHenry County Illinois | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Sangamon County Illinois | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Stephenson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Benton County Indiana | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Floyd County Indiana | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| Black Hawk County Iowa | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Cerro Gordo County Iowa | 1 | $ 245,000 | $ 245,000 | $ 310,000 |
| Dallas County Iowa | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Dubuque County Iowa | 1 | $ 55,000 | $ 55,000 | $ 193,000 |
| Fremont County Iowa | 1 | $ 55,000 | $ 55,000 | $ 154,000 |
| Guthrie County Iowa | 1 | $ 975,000 | $ 975,000 | $ 96,000 |
| Jasper County Iowa | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Marion County Iowa | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Poweshiek County Iowa | 1 | $ 65,000 | $ 65,000 | $ 101,000 |
| Story County Iowa | 1 | $ 515,000 | $ 515,000 | $ 194,000 |
| Dickinson County Michigan | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Gratiot County Michigan | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Van Buren County Michigan | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Wayne County Michigan | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Washington County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| Grenada County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Harrison County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Benton County Missouri | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| St. Louis County Missouri | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 164,000 |
| San Juan County New Mexico | 1 | $ 215,000 | $ 215,000 | $ 264,000 |
| Cherokee County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Gaston County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 556,000 |
| Lincoln County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Wake County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 281,000 |
| Cumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 215,000 |
| York County Pennsylvania | 1 | $ 545,000 | $ 545,000 | $ 199,000 |
| Charleston County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Hamilton County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Rhea County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Sumner County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Fort Bend County Texas | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Parker County Texas | 1 | $ 485,000 | $ 485,000 | $ 269,000 |
| Williamson County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 235,000 | $ 235,000 | $ 155,000 |
| Franklin County Virginia | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Loudoun County Virginia | 1 | $ 165,000 | $ 165,000 | $ 384,000 |
| Prince William County Virginia | 1 | $ 35,000 | $ 35,000 | $ 161,000 |
| Burnett County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Iron County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Portage County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Waukesha County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Vibrant Credit Union in 2022
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 | 269 | $52,105,000 | $193,000 | $4,405,000 | $108,000 | $1,617,000 |
| Refinancing | 247 | $21,855,000 | $88,000 | $975,000 | $89,000 | $390,000 |
| Cash-out Refinancing | 228 | $24,080,000 | $105,000 | $1,055,000 | $91,000 | $839,000 |
| Home Improvement | 189 | $12,195,000 | $64,000 | $295,000 | $109,000 | $556,000 |
| Other Purpose | 4 | $220,000 | $55,000 | $95,000 | $102,000 | $170,000 |
| 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 | 747 | $90,185,000 | $120,000 | $4,405,000 | $101,000 | $1,617,000 |
| Not Provided | 83 | $9,105,000 | $109,000 | $575,000 | $95,000 | $283,000 |
| Hispanic | 42 | $3,620,000 | $86,000 | $385,000 | $85,000 | $233,000 |
| Black or African American | 29 | $2,845,000 | $98,000 | $225,000 | $87,000 | $193,000 |
| Not applicable | 13 | $1,325,000 | $101,000 | $435,000 | $0 | $0 |
| Asian | 11 | $1,515,000 | $137,000 | $255,000 | $123,000 | $317,000 |
| American Indian or Alaskan Native | 8 | $1,150,000 | $143,000 | $265,000 | $107,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $67,000 | $67,000 |
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) | 937 | $110,455,000 | $117,000 | $4,405,000 | $99,000 | $1,617,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 846 | $98,690,000 | $116,000 | $4,405,000 | $100,000 | $1,617,000 |
| Application Withdrawn By Applicant | 82 | $10,980,000 | $133,000 | $2,135,000 | $90,000 | $839,000 |
| Application Denied By Financial Institution | 8 | $650,000 | $81,000 | $255,000 | $81,000 | $152,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $45,000 | $45,000 |
| Application Approved But Not Accepted | 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 | 929 | $109,805,000 | $118,000 | $4,405,000 | $100,000 | $1,617,000 |
| Collateral | 5 | $315,000 | $63,000 | $85,000 | $106,000 | $152,000 |
| Credit History | 2 | $290,000 | $145,000 | $255,000 | $61,000 | $70,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $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 |
| Other | 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 2022 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.