Mwabank Mortgage Lending & HMDA Data, 2014
In 2014, Mwabank of Rock Island, IL reported 638 mortgage applications totaling $92.4 million, up 17% from 2013. The average application was for $144,893, and applicants reported an average income of $112,474. 59% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (250), Milwaukee-Waukesha-West Allis, WI (11) and Raleigh, NC (10) (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 | 638 |
| Total Mortgage Loan Application Amount | $92,442,000 |
| Average Mortgage Loan Application Amount | $144,893 |
| Highest Mortgage Loan Application Amount | $780,000 |
| Average Applicant Income | $112,474 |
| Highest Applicant Income | $1,692,000 |
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Disclosure Act (HMDA) records Mwabank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Davenport-Moline-Rock Island, IA-IL | 250 | $ 35,380,000 | $ 141,520 | $ 118,800 |
| Milwaukee-Waukesha-West Allis, WI | 11 | $ 1,795,000 | $ 163,181 | $ 88,000 |
| Raleigh, NC | 10 | $ 1,271,000 | $ 127,100 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 843,000 | $ 120,428 | $ 123,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 1,148,000 | $ 164,000 | $ 117,000 |
| Chattanooga, TN-GA | 6 | $ 836,000 | $ 139,333 | $ 86,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 1,334,000 | $ 222,333 | $ 117,000 |
| Kansas City, MO-KS | 6 | $ 834,000 | $ 139,000 | $ 90,833 |
| Lake County-Kenosha County, IL-WI | 6 | $ 855,000 | $ 142,500 | $ 117,000 |
| Chicago-Naperville-Arlington Heights, IL | 5 | $ 1,252,000 | $ 250,400 | $ 169,000 |
| Des Moines-West Des Moines, IA | 5 | $ 825,000 | $ 165,000 | $ 131,000 |
| Greensboro-High Point, NC | 5 | $ 630,000 | $ 126,000 | $ 81,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 410,000 | $ 82,000 | $ 69,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 930,000 | $ 186,000 | $ 118,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 561,000 | $ 140,250 | $ 206,000 |
| Carbondale-Marion, IL | 4 | $ 459,000 | $ 114,750 | $ 64,000 |
| Fort Worth-Arlington, TX | 4 | $ 807,000 | $ 201,750 | $ 94,000 |
| Lincoln, NE | 4 | $ 353,000 | $ 88,250 | $ 101,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 417,000 | $ 104,250 | $ 78,000 |
| Manchester-Nashua, NH | 4 | $ 797,000 | $ 199,250 | $ 153,000 |
| Portland-South Portland, ME | 4 | $ 639,000 | $ 159,750 | $ 104,000 |
| St. Louis, MO-IL | 4 | $ 425,000 | $ 106,250 | $ 72,750 |
| Tuscaloosa, AL | 4 | $ 907,000 | $ 226,750 | $ 117,000 |
| Amarillo, TX | 3 | $ 641,000 | $ 213,666 | $ 306,000 |
| Austin-Round Rock, TX | 3 | $ 254,000 | $ 84,666 | $ 80,000 |
| Birmingham-Hoover, AL | 3 | $ 487,000 | $ 162,333 | $ 100,000 |
| Dallas-Plano-Irving, TX | 3 | $ 652,000 | $ 217,333 | $ 125,000 |
| Dayton, OH | 3 | $ 219,000 | $ 73,000 | $ 74,000 |
| Knoxville, TN | 3 | $ 140,000 | $ 46,666 | $ 219,000 |
| Lawrence, KS | 3 | $ 431,000 | $ 143,666 | $ 150,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 204,000 | $ 68,000 | $ 114,000 |
| Madison, WI | 3 | $ 375,000 | $ 125,000 | $ 84,000 |
| Racine, WI | 3 | $ 426,000 | $ 142,000 | $ 111,000 |
| Rapid City, SD | 3 | $ 542,000 | $ 180,666 | $ 98,000 |
| Sioux Falls, SD | 3 | $ 267,000 | $ 89,000 | $ 78,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 479,000 | $ 159,666 | $ 209,000 |
| Alexandria, LA | 2 | $ 315,000 | $ 157,500 | $ 167,000 |
| Ann Arbor, MI | 2 | $ 625,000 | $ 312,500 | $ 122,000 |
| Appleton, WI | 2 | $ 299,000 | $ 149,500 | $ 134,000 |
| Bloomington, IL | 2 | $ 195,000 | $ 97,500 | $ 194,000 |
| Cleveland-Elyria, OH | 2 | $ 243,000 | $ 121,500 | $ 57,000 |
| Gadsden, AL | 2 | $ 282,000 | $ 141,000 | $ 156,000 |
| Harrisonburg, VA | 2 | $ 554,000 | $ 277,000 | $ 121,000 |
| Jackson, MS | 2 | $ 509,000 | $ 254,500 | $ 229,000 |
| Jonesboro, AR | 2 | $ 176,000 | $ 88,000 | $ 127,000 |
| Kalamazoo-Portage, MI | 2 | $ 235,000 | $ 117,500 | $ 31,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 225,000 | $ 112,500 | $ 163,000 |
| Manhattan, KS | 2 | $ 282,000 | $ 141,000 | $ 137,000 |
| Memphis, TN-MS-AR | 2 | $ 390,000 | $ 195,000 | $ 139,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 675,000 | $ 337,500 | $ 281,000 |
| Ocala, FL | 2 | $ 257,000 | $ 128,500 | $ 98,000 |
| Ogden-Clearfield, UT | 2 | $ 530,000 | $ 265,000 | $ 124,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 175,000 | $ 87,500 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 343,000 | $ 171,500 | $ 69,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 308,000 | $ 154,000 | $ 64,000 |
| Pocatello, ID | 2 | $ 133,000 | $ 66,500 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 444,000 | $ 222,000 | $ 175,000 |
| Springfield, IL | 2 | $ 304,000 | $ 152,000 | $ 111,000 |
| St. George, UT | 2 | $ 452,000 | $ 226,000 | $ 92,000 |
| Toledo, OH | 2 | $ 356,000 | $ 178,000 | $ 137,000 |
| Tulsa, OK | 2 | $ 195,000 | $ 97,500 | $ 62,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 652,000 | $ 326,000 | $ 160,000 |
| Wichita, KS | 2 | $ 119,000 | $ 59,500 | $ 48,000 |
| Akron, OH | 1 | $ 179,000 | $ 179,000 | $ 97,000 |
| Albuquerque, NM | 1 | $ 260,000 | $ 260,000 | $ 206,000 |
| Ames, IA | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| Asheville, NC | 1 | $ 13,000 | $ 13,000 | $ 74,000 |
| Bakersfield, CA | 1 | $ 21,000 | $ 21,000 | $ 15,000 |
| Battle Creek, MI | 1 | $ 117,000 | $ 117,000 | $ 97,000 |
| Billings, MT | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 226,000 | $ 226,000 | $ 39,000 |
| Brownsville-Harlingen, TX | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 158,000 | $ 158,000 | $ 67,000 |
| Charleston, WV | 1 | $ 128,000 | $ 128,000 | $ 51,000 |
| Colorado Springs, CO | 1 | $ 109,000 | $ 109,000 | $ 72,000 |
| Dalton, GA | 1 | $ 57,000 | $ 57,000 | $ 52,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 680,000 | $ 680,000 | $ 346,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 60,000 | $ 60,000 | $ 87,000 |
| Durham-Chapel Hill, NC | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Evansville, IN-KY | 1 | $ 128,000 | $ 128,000 | $ 33,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 70,000 | $ 70,000 | $ 142,000 |
| Fort Collins, CO | 1 | $ 272,000 | $ 272,000 | $ 128,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 344,000 | $ 344,000 | $ 216,000 |
| Fresno, CA | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Gary, IN | 1 | $ 145,000 | $ 145,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 120,000 | $ 120,000 | $ 88,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 417,000 | $ 417,000 | $ 217,000 |
| Jackson, TN | 1 | $ 42,000 | $ 42,000 | $ 57,000 |
| Jacksonville, FL | 1 | $ 300,000 | $ 300,000 | $ 236,000 |
| Lake Charles, LA | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Lakeland-Winter Haven, FL | 1 | $ 270,000 | $ 270,000 | $ 104,000 |
| Lancaster, PA | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Lewiston-Auburn, ME | 1 | $ 110,000 | $ 110,000 | $ 83,000 |
| Lexington-Fayette, KY | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 390,000 | $ 390,000 | $ 186,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 273,000 | $ 273,000 | $ 151,000 |
| Muskegon, MI | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| New Orleans-Metairie, LA | 1 | $ 300,000 | $ 300,000 | $ 126,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 80,000 | $ 80,000 | $ 108,000 |
| Oklahoma City, OK | 1 | $ 417,000 | $ 417,000 | $ 198,000 |
| Pittsburgh, PA | 1 | $ 299,000 | $ 299,000 | $ 128,000 |
| Reno, NV | 1 | $ 250,000 | $ 250,000 | $ 162,000 |
| Salt Lake City, UT | 1 | $ 21,000 | $ 21,000 | $ 53,000 |
| San Antonio-New Braunfels, TX | 1 | $ 246,000 | $ 246,000 | $ 225,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 780,000 | $ 780,000 | $ 170,000 |
| Sheboygan, WI | 1 | $ 102,000 | $ 102,000 | $ 588,000 |
| Springfield, MO | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Syracuse, NY | 1 | $ 40,000 | $ 40,000 | $ 21,000 |
| Tallahassee, FL | 1 | $ 300,000 | $ 300,000 | $ 148,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 277,000 | $ 277,000 | $ 201,000 |
| The Villages, FL | 1 | $ 201,000 | $ 201,000 | $ 71,000 |
| Valdosta, GA | 1 | $ 47,000 | $ 47,000 | $ 56,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Wilmington, DE-MD-NJ | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| Winston-Salem, NC | 1 | $ 154,000 | $ 154,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Mwabank in 2014
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 | 309 | $46,136,000 | $149,000 | $591,000 | $120,000 | $923,000 |
| Refinancing | 264 | $42,626,000 | $161,000 | $780,000 | $106,000 | $1,692,000 |
| Home Improvement | 65 | $3,680,000 | $56,000 | $303,000 | $103,000 | $505,000 |
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 | 522 | $77,691,000 | $148,000 | $780,000 | $117,000 | $1,692,000 |
| Not Provided | 51 | $5,729,000 | $112,000 | $417,000 | $105,000 | $450,000 |
| Asian | 23 | $4,330,000 | $188,000 | $568,000 | $109,000 | $565,000 |
| Hispanic | 16 | $1,911,000 | $119,000 | $318,000 | $82,000 | $240,000 |
| American Indian or Alaskan Native | 12 | $1,470,000 | $122,000 | $224,000 | $76,000 | $144,000 |
| Black or African American | 11 | $1,086,000 | $98,000 | $201,000 | $73,000 | $194,000 |
| Not applicable | 3 | $225,000 | $75,000 | $89,000 | $0 | $0 |
| 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) | 638 | $92,442,000 | $144,000 | $780,000 | $113,000 | $1,692,000 |
| 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 | 375 | $51,307,000 | $136,000 | $520,000 | $107,000 | $923,000 |
| Application Withdrawn By Applicant | 120 | $15,704,000 | $130,000 | $680,000 | $104,000 | $485,000 |
| Application Denied By Financial Institution | 84 | $11,216,000 | $133,000 | $780,000 | $86,000 | $512,000 |
| Loan Purchased By The Institution | 55 | $13,605,000 | $247,000 | $770,000 | $213,000 | $1,692,000 |
| Application Approved But Not Accepted | 4 | $610,000 | $152,000 | $192,000 | $80,000 | $120,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 36 | $5,220,000 | $145,000 | $780,000 | $84,000 | $292,000 |
| Debt-To-Income Ratio | 27 | $3,085,000 | $114,000 | $320,000 | $70,000 | $450,000 |
| Collateral | 15 | $1,696,000 | $113,000 | $325,000 | $80,000 | $210,000 |
| Other | 2 | $430,000 | $215,000 | $224,000 | $93,000 | $112,000 |
| Unverifiable Information | 2 | $595,000 | $297,000 | $365,000 | $356,000 | $512,000 |
| Employment History | 2 | $190,000 | $95,000 | $169,000 | $101,000 | $101,000 |
| 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 Mwabank's 2014 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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