Triumph Community Bank NA Mortgage Lending & HMDA Data, 2011
In 2011, Triumph Community Bank NA of Moline, IL reported 1,288 mortgage applications totaling $199.2 million, down 26% from 2010. The average application was for $154,693, and applicants reported an average income of $87,937. 70% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Davenport-Moline-Rock Island, IA-IL (637), Chicago-Joliet-Naperville, IL (303) and Peoria, IL (34) (applications in parentheses).
| Mortgage Company & Address | Triumph Community Bank NA 2040 1st Street A Moline, IL 61265 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,288 |
| Total Mortgage Loan Application Amount | $199,245,000 |
| Average Mortgage Loan Application Amount | $154,693 |
| Highest Mortgage Loan Application Amount | $3,100,000 |
| Average Applicant Income | $87,937 |
| Highest Applicant Income | $1,196,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Triumph Community Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Triumph Community Bank NA in 2011
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 | 683 | $128,884,000 | $188,000 | $2,900,000 | $99,000 | $1,196,000 |
| Home Purchase | 452 | $67,729,000 | $149,000 | $3,100,000 | $80,000 | $540,000 |
| Home Improvement | 153 | $2,632,000 | $17,000 | $270,000 | $62,000 | $298,000 |
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 | 1,079 | $154,131,000 | $142,000 | $3,100,000 | $92,000 | $1,196,000 |
| Hispanic | 99 | $10,830,000 | $109,000 | $399,000 | $53,000 | $185,000 |
| Asian | 42 | $10,204,000 | $242,000 | $968,000 | $117,000 | $456,000 |
| Not applicable | 25 | $18,217,000 | $728,000 | $2,900,000 | $10,000 | $271,000 |
| Black or African American | 23 | $2,349,000 | $102,000 | $472,000 | $70,000 | $138,000 |
| Not Provided | 17 | $2,904,000 | $170,000 | $417,000 | $112,000 | $294,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $387,000 | $193,000 | $265,000 | $100,000 | $164,000 |
| American Indian or Alaskan Native | 1 | $223,000 | $223,000 | $223,000 | $112,000 | $112,000 |
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) | 1,038 | $167,695,000 | $161,000 | $3,100,000 | $97,000 | $1,196,000 |
| FHA-insured (Federal Housing Administration) | 186 | $23,026,000 | $123,000 | $402,000 | $53,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 36 | $6,127,000 | $170,000 | $406,000 | $62,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $2,397,000 | $85,000 | $216,000 | $35,000 | $57,000 |
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 | 905 | $151,306,000 | $167,000 | $3,100,000 | $89,000 | $721,000 |
| Application Withdrawn By Applicant | 220 | $30,855,000 | $140,000 | $730,000 | $94,000 | $732,000 |
| Application Denied By Financial Institution | 154 | $13,829,000 | $89,000 | $755,000 | $67,000 | $540,000 |
| File Closed For Incompleteness | 6 | $1,407,000 | $234,000 | $351,000 | $92,000 | $192,000 |
| Application Approved But Not Accepted | 3 | $1,848,000 | $616,000 | $1,730,000 | $433,000 | $1,196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 57 | $1,960,000 | $34,000 | $234,000 | $53,000 | $175,000 |
| Debt-To-Income Ratio | 46 | $5,631,000 | $122,000 | $755,000 | $61,000 | $196,000 |
| Collateral | 30 | $3,590,000 | $119,000 | $417,000 | $100,000 | $540,000 |
| Employment History | 8 | $1,351,000 | $168,000 | $314,000 | $68,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $385,000 | $96,000 | $138,000 | $39,000 | $51,000 |
| Credit Application Incomplete | 3 | $430,000 | $143,000 | $269,000 | $66,000 | $136,000 |
| Unverifiable Information | 3 | $257,000 | $85,000 | $127,000 | $76,000 | $135,000 |
| Other | 2 | $181,000 | $90,000 | $135,000 | $80,000 | $105,000 |
| Mortgage Insurance Denied | 1 | $44,000 | $44,000 | $44,000 | $215,000 | $215,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Triumph Community Bank NA's 2011 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 Triumph Community Bank NA'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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