Senb Bank Mortgage Lending & HMDA Data, 2021
In 2021, Senb Bank of Moline, IL reported 528 mortgage applications totaling $97.3 million, down 30% from 2020. The average application was for $184,318, and applicants reported an average income of $112,299. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (359), Janesville-Beloit, WI (59) and Rockford, IL (27) (applications in parentheses).
| Mortgage Company & Address | Senb Bank 3535 Avenue of the Cities Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 528 |
| Total Mortgage Loan Application Amount | $97,320,000 |
| Average Mortgage Loan Application Amount | $184,318 |
| Highest Mortgage Loan Application Amount | $2,525,000 |
| Average Applicant Income | $112,299 |
| Highest Applicant Income | $2,022,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Senb Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Rock Island, Illinois | 162 | $ 22,550,000 | $ 139,197 | $ 90,000 |
| Scott, Iowa | 138 | $ 27,170,000 | $ 196,884 | $ 120,000 |
| Rock, Wisconsin | 59 | $ 9,145,000 | $ 155,000 | $ 100,000 |
| Mercer, Illinois | 41 | $ 5,115,000 | $ 124,756 | $ 78,000 |
| Winnebago, Illinois | 23 | $ 4,195,000 | $ 182,391 | $ 84,000 |
| Henry, Illinois | 18 | $ 2,770,000 | $ 153,888 | $ 81,000 |
| Walworth, Wisconsin | 7 | $ 2,085,000 | $ 297,857 | $ 163,000 |
| Whiteside, Illinois | 6 | $ 610,000 | $ 101,666 | $ 62,000 |
| Clinton, Iowa | 5 | $ 825,000 | $ 165,000 | $ 108,000 |
| Boone, Illinois | 4 | $ 1,070,000 | $ 267,500 | $ 584,000 |
| Dane, Wisconsin | 4 | $ 1,030,000 | $ 257,500 | $ 139,000 |
| Lee, Florida | 3 | $ 2,775,000 | $ 925,000 | $ 447,000 |
| Pinal, Arizona | 2 | $ 400,000 | $ 200,000 | $ 189,000 |
| Riverside, California | 2 | $ 640,000 | $ 320,000 | $ 273,000 |
| San Diego, California | 2 | $ 1,460,000 | $ 730,000 | $ 298,000 |
| Sarasota, Florida | 2 | $ 620,000 | $ 310,000 | $ 92,000 |
| Twin Falls, Idaho | 2 | $ 590,000 | $ 295,000 | $ 82,000 |
| DuPage, Illinois | 2 | $ 510,000 | $ 255,000 | $ 134,000 |
| Lake, Illinois | 2 | $ 430,000 | $ 215,000 | $ 190,000 |
| Cedar, Iowa | 2 | $ 680,000 | $ 340,000 | $ 130,000 |
| Johnson, Iowa | 2 | $ 370,000 | $ 185,000 | $ 98,000 |
| Linn, Iowa | 2 | $ 440,000 | $ 220,000 | $ 104,000 |
| Muscatine, Iowa | 2 | $ 450,000 | $ 225,000 | $ 103,000 |
| Jackson, Missouri | 2 | $ 270,000 | $ 135,000 | $ 72,000 |
| Collin, Texas | 2 | $ 620,000 | $ 310,000 | $ 139,000 |
| Ozaukee, Wisconsin | 2 | $ 470,000 | $ 235,000 | $ 53,000 |
| Mobile, Alabama | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 1,005,000 | $ 1,005,000 | $ 265,000 |
| Santa Clara, California | 1 | $ 625,000 | $ 625,000 | $ 81,000 |
| Douglas, Colorado | 1 | $ 355,000 | $ 355,000 | $ 83,000 |
| Routt, Colorado | 1 | $ 545,000 | $ 545,000 | $ 730,000 |
| Charlotte, Florida | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Cook, Illinois | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| DeKalb, Illinois | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Fulton, Illinois | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Henderson, Illinois | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Jo Daviess, Illinois | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Kendall, Illinois | 1 | $ 315,000 | $ 315,000 | $ 115,000 |
| Knox, Illinois | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| McDonough, Illinois | 1 | $ 85,000 | $ 85,000 | $ 1,074,000 |
| Will, Illinois | 1 | $ 195,000 | $ 195,000 | $ 238,000 |
| Dallas, Iowa | 1 | $ 405,000 | $ 405,000 | $ 110,000 |
| Dubuque, Iowa | 1 | $ 395,000 | $ 395,000 | $ 76,000 |
| Polk, Iowa | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Story, Iowa | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Isabella, Michigan | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Lowndes, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Mecklenburg, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Nash, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Gibson, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Bell, Texas | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Barron, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Green, Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Juneau, Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Waukesha, Wisconsin | 1 | $ 1,965,000 | $ 1,965,000 | $ 681,000 |
Mortgage Loan Application Detail Totals for Senb Bank 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 |
|---|---|---|---|---|---|---|
| Refinancing | 264 | $50,720,000 | $192,000 | $2,525,000 | $117,000 | $815,000 |
| Home Purchase | 234 | $41,430,000 | $177,000 | $1,005,000 | $108,000 | $2,022,000 |
| Other Purpose | 16 | $3,450,000 | $215,000 | $705,000 | $136,000 | $396,000 |
| Home Improvement | 8 | $1,310,000 | $163,000 | $625,000 | $86,000 | $170,000 |
| Cash-out Refinancing | 6 | $410,000 | $68,000 | $135,000 | $45,000 | $85,000 |
| 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 | 473 | $87,785,000 | $185,000 | $2,525,000 | $115,000 | $2,022,000 |
| Not applicable | 18 | $3,950,000 | $219,000 | $775,000 | $0 | $0 |
| Hispanic | 16 | $1,560,000 | $97,000 | $225,000 | $66,000 | $137,000 |
| Not Provided | 8 | $1,720,000 | $215,000 | $425,000 | $125,000 | $386,000 |
| Black or African American | 7 | $1,385,000 | $197,000 | $355,000 | $91,000 | $235,000 |
| Asian | 6 | $920,000 | $153,000 | $285,000 | $70,000 | $140,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 506 | $94,680,000 | $187,000 | $2,525,000 | $116,000 | $2,022,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,640,000 | $120,000 | $225,000 | $43,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 455 | $84,695,000 | $186,000 | $2,525,000 | $116,000 | $2,022,000 |
| Application Withdrawn By Applicant | 47 | $9,145,000 | $194,000 | $1,965,000 | $105,000 | $681,000 |
| Application Denied By Financial Institution | 23 | $2,835,000 | $123,000 | $625,000 | $56,000 | $170,000 |
| File Closed For Incompleteness | 3 | $645,000 | $215,000 | $335,000 | $111,000 | $190,000 |
| 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 | 505 | $94,485,000 | $187,000 | $2,525,000 | $115,000 | $2,022,000 |
| Debt-To-Income Ratio | 9 | $1,175,000 | $130,000 | $295,000 | $47,000 | $104,000 |
| Credit History | 7 | $625,000 | $89,000 | $185,000 | $65,000 | $170,000 |
| Collateral | 3 | $705,000 | $235,000 | $625,000 | $87,000 | $105,000 |
| Other | 2 | $210,000 | $105,000 | $185,000 | $40,000 | $67,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $37,000 | $37,000 |
| 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 Senb Bank'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 Senb Bank'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.
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