2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Radiant Credit Union 2018 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 | Radiant Credit Union 405 Se 2Nd Place Gainesville, FL 32601 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 | 819 |
| Total Mortgage Loan Application Amount | $76,255,000 |
| Average Mortgage Loan Application Amount | $90,800 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $88,200 |
| Highest Applicant Income | $813,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Radiant 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 Radiant Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Radiant 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 Radiant Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Radiant 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 Radiant Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Abbeville County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Acadia County Louisiana | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Adair County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Alachua County Florida | 191 | $ 17,645,000 | $ 92,000 | $ 112,000 |
| Andrews County Texas | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Angelina County Texas | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Anson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Aransas County Texas | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Ascension County Louisiana | 4 | $ 490,000 | $ 122,000 | $ 81,000 |
| Ashley County Arkansas | 3 | $ 245,000 | $ 81,000 | $ 32,000 |
| Atascosa County Texas | 1 | $ 135,000 | $ 135,000 | $ 317,000 |
| Avoyelles County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Baker County Florida | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Baldwin County Alabama | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Bandera County Texas | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Barrow County Georgia | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Bartow County Georgia | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Bay County Florida | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| Beauregard County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Beckham County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Benton County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| Benton County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Berkeley County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Bexar County Texas | 4 | $ 390,000 | $ 97,000 | $ 71,000 |
| Bibb County Alabama | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Bladen County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Bolivar County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Boone County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Bossier County Louisiana | 3 | $ 355,000 | $ 118,000 | $ 85,000 |
| Bowie County Texas | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Bradford County Florida | 3 | $ 185,000 | $ 61,000 | $ 56,000 |
| Bradley County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Brantley County Georgia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Brazoria County Texas | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Brazos County Texas | 2 | $ 240,000 | $ 120,000 | $ 82,000 |
| Brevard County Florida | 3 | $ 525,000 | $ 175,000 | $ 334,000 |
| Bulloch County Georgia | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Butler County Alabama | 2 | $ 120,000 | $ 60,000 | $ 75,000 |
| Cache County Utah | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Caddo County Louisiana | 5 | $ 385,000 | $ 77,000 | $ 81,000 |
| Caddo County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Calcasieu County Louisiana | 3 | $ 215,000 | $ 71,000 | $ 59,000 |
| Caldwell County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Caldwell County Texas | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Calhoun County Georgia | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Cameron County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Carteret County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 118,000 |
| Cass County Texas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Charlotte County Florida | 2 | $ 250,000 | $ 125,000 | $ 127,000 |
| Charlton County Georgia | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Chaves County New Mexico | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Cherokee County Alabama | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Chesterfield County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Chilton County Alabama | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Citrus County Florida | 4 | $ 440,000 | $ 110,000 | $ 93,000 |
| Clarke County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 93,000 |
| Clay County Florida | 4 | $ 240,000 | $ 60,000 | $ 74,000 |
| Clay County Mississippi | 2 | $ 190,000 | $ 95,000 | $ 84,000 |
| Cleburne County Alabama | 2 | $ 190,000 | $ 95,000 | $ 37,000 |
| Cleburne County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Cleveland County Oklahoma | 3 | $ 205,000 | $ 68,000 | $ 58,000 |
| Coffee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Coke County Texas | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Colleton County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Collin County Texas | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Columbia County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Columbia County Florida | 34 | $ 2,680,000 | $ 78,000 | $ 84,000 |
| Comal County Texas | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Comanche County Texas | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Concordia County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Covington County Alabama | 2 | $ 200,000 | $ 100,000 | $ 65,000 |
| Covington County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Crawford County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Creek County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 101,000 |
| Crisp County Georgia | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Cross County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Dale County Alabama | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Dallas County Texas | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| De Soto County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Deaf Smith County Texas | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Decatur County Georgia | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Delaware County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Desha County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| DeSoto County Florida | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Dickson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Dixie County Florida | 15 | $ 895,000 | $ 59,000 | $ 59,000 |
| Dodge County Georgia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Dona Ana County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Dorchester County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Duval County Florida | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| East Baton Rouge County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| East Feliciana County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 96,000 |
| Ector County Texas | 4 | $ 420,000 | $ 105,000 | $ 72,000 |
| Effingham County Georgia | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Elbert County Georgia | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Elmore County Alabama | 2 | $ 230,000 | $ 115,000 | $ 101,000 |
| Escambia County Florida | 2 | $ 160,000 | $ 80,000 | $ 69,000 |
| Fannin County Texas | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Faulkner County Arkansas | 3 | $ 205,000 | $ 68,000 | $ 75,000 |
| Floyd County Georgia | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Forrest County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Franklin County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Frio County Texas | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Gaines County Texas | 2 | $ 230,000 | $ 115,000 | $ 124,000 |
| Garland County Arkansas | 3 | $ 345,000 | $ 115,000 | $ 303,000 |
| Garvin County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| George County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Gilchrist County Florida | 15 | $ 795,000 | $ 53,000 | $ 70,000 |
| Grady County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Grant County Louisiana | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| Grant County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Grayson County Texas | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Greene County Alabama | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Greene County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Grundy County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Gulf County Florida | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Hamilton County Florida | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Hampton County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Hancock County Georgia | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Hancock County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Haralson County Georgia | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Hardee County Florida | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Hardeman County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Hardin County Texas | 3 | $ 245,000 | $ 81,000 | $ 54,000 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Harrison County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Haywood County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 61,000 |
| Hempstead County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Henderson County Texas | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Henry County Alabama | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Hernando County Florida | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Hidalgo County Texas | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Hillsborough County Florida | 2 | $ 140,000 | $ 70,000 | $ 79,000 |
| Hockley County Texas | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Hood County Texas | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Hot Spring County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Hunt County Texas | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Hutchinson County Texas | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Itawamba County Mississippi | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Jackson County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Jackson County Florida | 1 | $ 95,000 | $ 95,000 | $ 196,000 |
| Jackson County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Jasper County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Jeff Davis County Georgia | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Jefferson County Alabama | 3 | $ 195,000 | $ 65,000 | $ 58,000 |
| Jefferson County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 44,000 |
| Jefferson Davis County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Johnson County Texas | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Jones County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Kaufman County Texas | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Kerr County Texas | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| La Salle County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| La Salle County Texas | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Lafayette County Florida | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Lafayette County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 89,000 |
| Lafourche County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Lake County Florida | 3 | $ 205,000 | $ 68,000 | $ 72,000 |
| Lamar County Georgia | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Lamar County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Lancaster County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 66,000 |
| Lanier County Georgia | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Latimer County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Lauderdale County Mississippi | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Laurens County Georgia | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Lawrence County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Leake County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Lee County Florida | 2 | $ 190,000 | $ 95,000 | $ 69,000 |
| Lee County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Lee County Texas | 1 | $ 115,000 | $ 115,000 | $ 152,000 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Levy County Florida | 28 | $ 2,380,000 | $ 85,000 | $ 65,000 |
| Liberty County Texas | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Lincoln County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Lincoln County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Lincoln County Mississippi | 3 | $ 295,000 | $ 98,000 | $ 72,000 |
| Lincoln County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Livingston County Louisiana | 5 | $ 345,000 | $ 69,000 | $ 111,000 |
| Lonoke County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Loudon County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Love County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Lubbock County Texas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Madison County Florida | 4 | $ 530,000 | $ 132,000 | $ 99,000 |
| Madison County Georgia | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Madison County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Madison County Texas | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Manatee County Florida | 4 | $ 440,000 | $ 110,000 | $ 83,000 |
| Marengo County Alabama | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Marion County Florida | 10 | $ 670,000 | $ 67,000 | $ 95,000 |
| Marion County Texas | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Marlboro County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 42,000 |
| Martin County Florida | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Martin County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| McKinley County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| McLennan County Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| McMinn County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Miller County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Mississippi County Arkansas | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Mitchell County Georgia | 2 | $ 170,000 | $ 85,000 | $ 108,000 |
| Monroe County Florida | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Montgomery County Texas | 4 | $ 350,000 | $ 87,000 | $ 57,000 |
| Morehouse County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 98,000 |
| Morgan County Alabama | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Morris County Texas | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Murray County Georgia | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Newton County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Newton County Texas | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Noxubee County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Nueces County Texas | 1 | $ 115,000 | $ 115,000 | $ 245,000 |
| Oconee County South Carolina | 4 | $ 360,000 | $ 90,000 | $ 86,000 |
| Oktibbeha County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 179,000 |
| Orange County Florida | 2 | $ 130,000 | $ 65,000 | $ 108,000 |
| Orange County Texas | 3 | $ 325,000 | $ 108,000 | $ 101,000 |
| Osage County Oklahoma | 3 | $ 275,000 | $ 91,000 | $ 124,000 |
| Ouachita County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 63,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Parker County Texas | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Pasco County Florida | 2 | $ 200,000 | $ 100,000 | $ 66,000 |
| Perry County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Phillips County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Pickens County Georgia | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Pike County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Pittsburg County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Pointe Coupee County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Pontotoc County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Pope County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Putnam County Florida | 9 | $ 935,000 | $ 103,000 | $ 94,000 |
| Putnam County Georgia | 1 | $ 95,000 | $ 95,000 | $ 252,000 |
| Randall County Texas | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Rankin County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Red River County Texas | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Rhea County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Roane County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Robertson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Robeson County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 78,000 |
| Rusk County Texas | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Rutherford County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| Sabine County Texas | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Saline County Arkansas | 4 | $ 290,000 | $ 72,000 | $ 73,000 |
| San Augustine County Texas | 1 | $ 115,000 | $ 115,000 | $ 238,000 |
| San Patricio County Texas | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Sarasota County Florida | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Schley County Georgia | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Scott County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Seminole County Florida | 2 | $ 300,000 | $ 150,000 | $ 100,000 |
| Sharp County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Shelby County Alabama | 2 | $ 300,000 | $ 150,000 | $ 112,000 |
| Shelby County Texas | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Simpson County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Smith County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Smith County Texas | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Spartanburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| St. Charles County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| St. Helena County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| St. Johns County Florida | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| St. Landry County Louisiana | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| St. Martin County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| St. Mary County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Stone County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Sumner County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Sumter County Florida | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Suwannee County Florida | 3 | $ 255,000 | $ 85,000 | $ 82,000 |
| Tangipahoa County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Tate County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Taylor County Florida | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Taylor County Texas | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Terrebonne County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 127,000 |
| Terrell County Georgia | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Terry County Texas | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Troup County Georgia | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Tulsa County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 92,000 |
| Tuscaloosa County Alabama | 4 | $ 470,000 | $ 117,000 | $ 67,000 |
| Union County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Union County Florida | 2 | $ 100,000 | $ 50,000 | $ 90,000 |
| Upson County Georgia | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Van Buren County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Vermilion County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 37,000 |
| Vernon County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Wagoner County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 149,000 |
| Wakulla County Florida | 3 | $ 335,000 | $ 111,000 | $ 46,000 |
| Walker County Alabama | 2 | $ 180,000 | $ 90,000 | $ 80,000 |
| Walker County Texas | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Waller County Texas | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Walton County Florida | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Ward County Texas | 2 | $ 310,000 | $ 155,000 | $ 98,000 |
| Washington County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Washington County Texas | 1 | $ 125,000 | $ 125,000 | $ 234,000 |
| Wayne County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Webster County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| West Baton Rouge County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| West Carroll County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| West Feliciana County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| White County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 27,000 |
| Wichita County Texas | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Wilcox County Georgia | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Williamson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Winn County Louisiana | 3 | $ 265,000 | $ 88,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Radiant Credit Union in 2018
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 | 536 | $54,010,000 | $100,000 | $395,000 | $81,000 | $813,000 |
| Other Purpose | 109 | $7,175,000 | $65,000 | $325,000 | $97,000 | $694,000 |
| Home Improvement | 89 | $5,125,000 | $57,000 | $205,000 | $97,000 | $789,000 |
| Refinancing | 47 | $5,695,000 | $121,000 | $415,000 | $77,000 | $293,000 |
| Cash-out Refinancing | 38 | $4,250,000 | $111,000 | $305,000 | $89,000 | $302,000 |
| 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 | 654 | $60,810,000 | $92,000 | $415,000 | $85,000 | $789,000 |
| Black or African American | 62 | $4,760,000 | $76,000 | $205,000 | $60,000 | $157,000 |
| Hispanic | 51 | $4,755,000 | $93,000 | $325,000 | $79,000 | $226,000 |
| Not Provided | 28 | $3,070,000 | $109,000 | $395,000 | $101,000 | $813,000 |
| American Indian or Alaskan Native | 9 | $735,000 | $81,000 | $135,000 | $66,000 | $99,000 |
| Asian | 7 | $765,000 | $109,000 | $195,000 | $92,000 | $197,000 |
| Not applicable | 6 | $1,180,000 | $196,000 | $295,000 | $531,000 | $694,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $44,000 | $44,000 |
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) | 819 | $76,255,000 | $93,000 | $415,000 | $85,000 | $813,000 |
| 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 | 408 | $35,880,000 | $87,000 | $415,000 | $97,000 | $813,000 |
| Application Approved But Not Accepted | 278 | $28,210,000 | $101,000 | $305,000 | $75,000 | $317,000 |
| Application Denied By Financial Institution | 128 | $11,510,000 | $89,000 | $315,000 | $68,000 | $454,000 |
| Application Withdrawn By Applicant | 5 | $655,000 | $131,000 | $275,000 | $72,000 | $108,000 |
| File Closed For Incompleteness | 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 | 691 | $64,745,000 | $93,000 | $415,000 | $88,000 | $813,000 |
| Credit History | 57 | $4,545,000 | $79,000 | $245,000 | $66,000 | $454,000 |
| Debt-To-Income Ratio | 45 | $4,085,000 | $90,000 | $265,000 | $67,000 | $197,000 |
| Collateral | 13 | $1,385,000 | $106,000 | $255,000 | $74,000 | $131,000 |
| Unverifiable Information | 7 | $815,000 | $116,000 | $225,000 | $71,000 | $130,000 |
| Credit Application Incomplete | 2 | $340,000 | $170,000 | $315,000 | $128,000 | $156,000 |
| Other | 2 | $210,000 | $105,000 | $155,000 | $58,000 | $89,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Radiant Credit Union's 2018 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 Radiant 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.
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