Mwabank Mortgage Lending & HMDA Data, 2012

In 2012, Mwabank of Rock Island, IL reported 474 mortgage applications totaling $59.9 million, down 2% from 2011. The average application was for $126,417, and applicants reported an average income of $92,164. 55% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (199), Greensboro-High Point, NC (7) and Chicago-Joliet-Naperville, IL (6) (applications in parentheses).

Mortgage Company & Address Mwabank
100 17th Street
Rock Island, IL 61201
Tel #: available with data download
Federal Regulator * available with data download
Years 2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 474
Total Mortgage Loan Application Amount $59,922,000
Average Mortgage Loan Application Amount $126,417
Highest Mortgage Loan Application Amount $860,000
Average Applicant Income $92,164
Highest Applicant Income $1,632,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mwabank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Mwabank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Scott, Iowa 96 $ 10,598,000 $ 110,395 $ 91,000
Rock Island, Illinois 93 $ 8,494,000 $ 91,333 $ 55,000
Henry, Illinois 10 $ 1,340,000 $ 134,000 $ 71,000
Clinton, Iowa 7 $ 605,000 $ 86,428 $ 60,000
Muscatine, Iowa 7 $ 845,000 $ 120,714 $ 92,000
Randolph, North Carolina 6 $ 842,000 $ 140,333 $ 135,000
McNairy, Tennessee 6 $ 695,000 $ 115,833 $ 78,000
Alcorn, Mississippi 5 $ 1,171,000 $ 234,200 $ 72,000
Richmond, North Carolina 5 $ 686,000 $ 137,200 $ 68,000
Maricopa, Arizona 4 $ 470,000 $ 117,500 $ 88,000
Lee, Florida 4 $ 1,215,000 $ 303,750 $ 276,000
Kenosha, Wisconsin 4 $ 460,000 $ 115,000 $ 59,000
Denver, Colorado 3 $ 670,000 $ 223,333 $ 112,000
Lake, Florida 3 $ 854,000 $ 284,666 $ 215,000
Whitfield, Georgia 3 $ 205,000 $ 68,333 $ 74,000
Nicholas, Kentucky 3 $ 366,000 $ 122,000 $ 88,000
Belknap, New Hampshire 3 $ 362,000 $ 120,666 $ 92,000
Charles Mix, South Dakota 3 $ 387,000 $ 129,000 $ 48,000
Pennington, South Dakota 3 $ 460,000 $ 153,333 $ 61,000
Tarrant, Texas 3 $ 292,000 $ 97,333 $ 61,000
Dane, Wisconsin 3 $ 420,000 $ 140,000 $ 87,000
Milwaukee, Wisconsin 3 $ 179,000 $ 59,666 $ 48,000
Navajo, Arizona 2 $ 213,000 $ 106,500 $ 81,000
Pima, Arizona 2 $ 92,000 $ 46,000 $ 56,000
Fulton, Arkansas 2 $ 185,000 $ 92,500 $ 80,000
Pulaski, Arkansas 2 $ 356,000 $ 178,000 $ 100,000
Sacramento, California 2 $ 121,000 $ 60,500 $ 66,000
Boulder, Colorado 2 $ 110,000 $ 55,000 $ 164,000
Pueblo, Colorado 2 $ 374,000 $ 187,000 $ 91,000
Collier, Florida 2 $ 274,000 $ 137,000 $ 23,000
Escambia, Florida 2 $ 237,000 $ 118,500 $ 64,000
Bibb, Georgia 2 $ 140,000 $ 70,000 $ 113,000
Kane, Illinois 2 $ 211,000 $ 105,500 $ 57,000
Knox, Illinois 2 $ 151,000 $ 75,500 $ 223,000
Will, Illinois 2 $ 474,000 $ 237,000 $ 137,000
Jackson, Iowa 2 $ 112,000 $ 56,000 $ 94,000
Johnson, Iowa 2 $ 339,000 $ 169,500 $ 326,000
Linn, Iowa 2 $ 264,000 $ 132,000 $ 68,000
Ellis, Kansas 2 $ 221,000 $ 110,500 $ 39,000
Warren, Kentucky 2 $ 820,000 $ 410,000 $ 269,000
Rapides, Louisiana 2 $ 387,000 $ 193,500 $ 149,000
Carver, Minnesota 2 $ 567,000 $ 283,500 $ 158,000
Tishomingo, Mississippi 2 $ 152,000 $ 76,000 $ 82,000
Wayne, Missouri 2 $ 259,000 $ 129,500 $ 92,000
Beaufort, North Carolina 2 $ 151,000 $ 75,500 $ 59,000
Halifax, North Carolina 2 $ 462,000 $ 231,000 $ 196,000
New Hanover, North Carolina 2 $ 504,000 $ 252,000 $ 79,000
Stanly, North Carolina 2 $ 300,000 $ 150,000 $ 78,000
Clinton, Ohio 2 $ 241,000 $ 120,500 $ 48,000
Richland, Ohio 2 $ 275,000 $ 137,500 $ 142,000
Trumbull, Ohio 2 $ 40,000 $ 20,000 $ 93,000
Wood, Ohio 2 $ 240,000 $ 120,000 $ 97,000
Osage, Oklahoma 2 $ 162,000 $ 81,000 $ 31,000
Tulsa, Oklahoma 2 $ 88,000 $ 44,000 $ 238,000
Lackawanna, Pennsylvania 2 $ 183,000 $ 91,500 $ 96,000
Haakon, South Dakota 2 $ 174,000 $ 87,000 $ 50,000
Williamson, Texas 2 $ 478,000 $ 239,000 $ 127,000
Richmond City, Virginia 2 $ 331,000 $ 165,500 $ 65,000
Roanoke, Virginia 2 $ 403,000 $ 201,500 $ 208,000
Racine, Wisconsin 2 $ 221,000 $ 110,500 $ 91,000
Washington, Wisconsin 2 $ 487,000 $ 243,500 $ 283,000
Baldwin, Alabama 1 $ 180,000 $ 180,000 $ 45,000
Tuscaloosa, Alabama 1 $ 154,000 $ 154,000 $ 36,000
Walker, Alabama 1 $ 410,000 $ 410,000 $ 182,000
Pinal, Arizona 1 $ 169,000 $ 169,000 $ 78,000
Craighead, Arkansas 1 $ 95,000 $ 95,000 $ 48,000
Garland, Arkansas 1 $ 99,000 $ 99,000 $ 57,000
Izard, Arkansas 1 $ 65,000 $ 65,000 $ 76,000
Sharp, Arkansas 1 $ 69,000 $ 69,000 $ 32,000
Washington, Arkansas 1 $ 103,000 $ 103,000 $ 51,000
El Paso, Colorado 1 $ 25,000 $ 25,000 $ 91,000
Fremont, Colorado 1 $ 166,000 $ 166,000 $ 92,000
Windham, Connecticut 1 $ 253,000 $ 253,000 $ 95,000
Hillsborough, Florida 1 $ 69,000 $ 69,000 $ 94,000
Orange, Florida 1 $ 215,000 $ 215,000 $ 152,000
Polk, Florida 1 $ 191,000 $ 191,000 $ 32,000
Putnam, Florida 1 $ 400,000 $ 400,000 $ 136,000
Chatham, Georgia 1 $ 160,000 $ 160,000 $ 90,000
Cobb, Georgia 1 $ 85,000 $ 85,000 $ 73,000
Gwinnett, Georgia 1 $ 115,000 $ 115,000 $ 37,000
Treutlen, Georgia 1 $ 45,000 $ 45,000 $ 67,000
Union, Georgia 1 $ 176,000 $ 176,000 $ 87,000
Walker, Georgia 1 $ 176,000 $ 176,000 $ 46,000
Carroll, Illinois 1 $ 55,000 $ 55,000 $ 36,000
Champaign, Illinois 1 $ 285,000 $ 285,000 $ 225,000
Cook, Illinois 1 $ 290,000 $ 290,000 $ 368,000
DeKalb, Illinois 1 $ 61,000 $ 61,000 $ 76,000
Madison, Illinois 1 $ 112,000 $ 112,000 $ 42,000
Marion, Illinois 1 $ 356,000 $ 356,000 $ 300,000
Peoria, Illinois 1 $ 50,000 $ 50,000 $ 50,000
Whiteside, Illinois 1 $ 140,000 $ 140,000 $ 90,000
Winnebago, Illinois 1 $ 125,000 $ 125,000 $ 25,000
Montgomery, Indiana 1 $ 71,000 $ 71,000 $ 58,000
Noble, Indiana 1 $ 217,000 $ 217,000 $ 113,000
Porter, Indiana 1 $ 34,000 $ 34,000 $ 114,000
Benton, Iowa 1 $ 80,000 $ 80,000 $ 108,000
Cerro Gordo, Iowa 1 $ 139,000 $ 139,000 $ 79,000
Clayton, Iowa 1 $ 98,000 $ 98,000 $ 79,000
Dallas, Iowa 1 $ 131,000 $ 131,000 $ 126,000
Henry, Iowa 1 $ 237,000 $ 237,000 $ 118,000
Lee, Iowa 1 $ 126,000 $ 126,000 $ 144,000
Louisa, Iowa 1 $ 154,000 $ 154,000 $ 68,000
Plymouth, Iowa 1 $ 21,000 $ 21,000 $ 17,000
Polk, Iowa 1 $ 126,000 $ 126,000 $ 92,000
Wayne, Iowa 1 $ 69,000 $ 69,000 $ 38,000
Lincoln, Kansas 1 $ 49,000 $ 49,000 $ 66,000
Sedgwick, Kansas 1 $ 105,000 $ 105,000 $ 83,000
Jefferson, Kentucky 1 $ 18,000 $ 18,000 $ 21,000
Morgan, Kentucky 1 $ 75,000 $ 75,000 $ 114,000
Androscoggin, Maine 1 $ 139,000 $ 139,000 $ 87,000
Cumberland, Maine 1 $ 160,000 $ 160,000 $ 54,000
Kennebec, Maine 1 $ 143,000 $ 143,000 $ 54,000
Oxford, Maine 1 $ 113,000 $ 113,000 $ 68,000
Penobscot, Maine 1 $ 65,000 $ 65,000 $ 1,632,000
York, Maine 1 $ 184,000 $ 184,000 $ 85,000
Benzie, Michigan 1 $ 84,000 $ 84,000 $ 82,000
Kalamazoo, Michigan 1 $ 122,000 $ 122,000 $ 105,000
Kent, Michigan 1 $ 11,000 $ 11,000 $ 72,000
Muskegon, Michigan 1 $ 58,000 $ 58,000 $ 40,000
Oakland, Michigan 1 $ 148,000 $ 148,000 $ 210,000
Le Sueur, Minnesota 1 $ 319,000 $ 319,000 $ 204,000
Harrison, Mississippi 1 $ 80,000 $ 80,000 $ 37,000
Lee, Mississippi 1 $ 50,000 $ 50,000 $ 27,000
Monroe, Mississippi 1 $ 113,000 $ 113,000 $ 30,000
Prentiss, Mississippi 1 $ 103,000 $ 103,000 $ 70,000
Simpson, Mississippi 1 $ 36,000 $ 36,000 $ 15,000
Christian, Missouri 1 $ 27,000 $ 27,000 $ 66,000
Jackson, Missouri 1 $ 96,000 $ 96,000 $ 54,000
Lancaster, Nebraska 1 $ 127,000 $ 127,000 $ 42,000
Clark, Nevada 1 $ 417,000 $ 417,000 $ 257,000
Hillsborough, New Hampshire 1 $ 65,000 $ 65,000 $ 73,000
Merrimack, New Hampshire 1 $ 640,000 $ 640,000 $ 161,000
Sullivan, New Hampshire 1 $ 110,000 $ 110,000 $ 55,000
Brunswick, North Carolina 1 $ 256,000 $ 256,000 $ 117,000
Cabarrus, North Carolina 1 $ 354,000 $ 354,000 $ 149,000
Craven, North Carolina 1 $ 126,000 $ 126,000 $ 48,000
Davidson, North Carolina 1 $ 155,000 $ 155,000 $ 135,000
Guilford, North Carolina 1 $ 59,000 $ 59,000 $ 51,000
Moore, North Carolina 1 $ 51,000 $ 51,000 $ 38,000
Northampton, North Carolina 1 $ 417,000 $ 417,000 $ 135,000
Pamlico, North Carolina 1 $ 179,000 $ 179,000 $ 67,000
Wake, North Carolina 1 $ 180,000 $ 180,000 $ 183,000
Licking, Ohio 1 $ 68,000 $ 68,000 $ 24,000
Medina, Ohio 1 $ 175,000 $ 175,000 $ 62,000
Montgomery, Ohio 1 $ 110,000 $ 110,000 $ 34,000
Summit, Ohio 1 $ 106,000 $ 106,000 $ 117,000
Le Flore, Oklahoma 1 $ 156,000 $ 156,000 $ 82,000
McClain, Oklahoma 1 $ 97,000 $ 97,000 $ 85,000
Wagoner, Oklahoma 1 $ 136,000 $ 136,000 $ 52,000
Woods, Oklahoma 1 $ 97,000 $ 97,000 $ 139,000
Blair, Pennsylvania 1 $ 200,000 $ 200,000 $ 114,000
Erie, Pennsylvania 1 $ 120,000 $ 120,000 $ 196,000
Westmoreland, Pennsylvania 1 $ 168,000 $ 168,000 $ 82,000
Anderson, South Carolina 1 $ 168,000 $ 168,000 $ 149,000
Greenville, South Carolina 1 $ 70,000 $ 70,000 $ 68,000
Brookings, South Dakota 1 $ 90,000 $ 90,000 $ 64,000
Lincoln, South Dakota 1 $ 691,000 $ 691,000 $ 553,000
Minnehaha, South Dakota 1 $ 133,000 $ 133,000 $ 97,000
Dyer, Tennessee 1 $ 88,000 $ 88,000 $ 92,000
Hamblen, Tennessee 1 $ 108,000 $ 108,000 $ 130,000
Lawrence, Tennessee 1 $ 30,000 $ 30,000 $ 15,000
Madison, Tennessee 1 $ 127,000 $ 127,000 $ 120,000
Sevier, Tennessee 1 $ 330,000 $ 330,000 $ 110,000
Chambers, Texas 1 $ 45,000 $ 45,000 $ 0
Denton, Texas 1 $ 330,000 $ 330,000 $ 184,000
Travis, Texas 1 $ 108,000 $ 108,000 $ 44,000
Wise, Texas 1 $ 146,000 $ 146,000 $ 65,000
Davis, Utah 1 $ 330,000 $ 330,000 $ 133,000
Caledonia, Vermont 1 $ 111,000 $ 111,000 $ 67,000
Orleans, Vermont 1 $ 52,000 $ 52,000 $ 78,000
Windsor, Vermont 1 $ 10,000 $ 10,000 $ 29,000
Boone, West Virginia 1 $ 123,000 $ 123,000 $ 64,000
Greenbrier, West Virginia 1 $ 255,000 $ 255,000 $ 133,000
Hardy, West Virginia 1 $ 119,000 $ 119,000 $ 97,000
Morgan, West Virginia 1 $ 70,000 $ 70,000 $ 56,000
Dodge, Wisconsin 1 $ 107,000 $ 107,000 $ 108,000
Ozaukee, Wisconsin 1 $ 212,000 $ 212,000 $ 230,000
Sauk, Wisconsin 1 $ 248,000 $ 248,000 $ 149,000
Sheboygan, Wisconsin 1 $ 67,000 $ 67,000 $ 38,000
Walworth, Wisconsin 1 $ 75,000 $ 75,000 $ 0

Mortgage Loan Application Detail Totals for Mwabank in 2012

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 261 $38,034,000 $145,000 $860,000 $95,000 $1,632,000
Home Purchase 168 $18,266,000 $108,000 $691,000 $87,000 $553,000
Home Improvement 45 $3,622,000 $80,000 $410,000 $95,000 $419,000

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 383 $49,324,000 $128,000 $750,000 $103,000 $1,632,000
Not applicable 38 $4,974,000 $130,000 $860,000 $0 $0
American Indian or Alaskan Native 18 $1,894,000 $105,000 $281,000 $72,000 $160,000
Black or African American 14 $1,234,000 $88,000 $290,000 $78,000 $368,000
Not Provided 11 $1,077,000 $97,000 $215,000 $106,000 $238,000
Hispanic 8 $1,173,000 $146,000 $330,000 $70,000 $184,000
Asian 2 $246,000 $123,000 $200,000 $69,000 $114,000
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) 474 $59,922,000 $126,000 $860,000 $92,000 $1,632,000
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 263 $33,117,000 $125,000 $860,000 $87,000 $553,000
Application Denied By Financial Institution 93 $11,527,000 $123,000 $640,000 $75,000 $282,000
Application Withdrawn By Applicant 56 $7,177,000 $128,000 $417,000 $125,000 $1,632,000
Application Approved But Not Accepted 56 $7,563,000 $135,000 $750,000 $107,000 $560,000
Loan Purchased By The Institution 6 $538,000 $89,000 $108,000 $140,000 $255,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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
Credit History 43 $5,113,000 $118,000 $640,000 $75,000 $282,000
Debt-To-Income Ratio 22 $3,164,000 $143,000 $356,000 $57,000 $184,000
Collateral 15 $1,986,000 $132,000 $417,000 $99,000 $178,000
Other 10 $837,000 $83,000 $200,000 $72,000 $143,000
Unverifiable Information 1 $160,000 $160,000 $160,000 $54,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 1 $65,000 $65,000 $65,000 $120,000 $120,000
Mortgage Insurance Denied 1 $202,000 $202,000 $202,000 $97,000 $97,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mwabank's 2012 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 Mwabank'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.
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