Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Radiant Credit Union 2021 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 | 798 |
| Total Mortgage Loan Application Amount | $88,140,000 |
| Average Mortgage Loan Application Amount | $119,600 |
| Highest Mortgage Loan Application Amount | $1,675,000 |
| Average Applicant Income | $90,600 |
| Highest Applicant Income | $940,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alachua County Florida | 245 | $ 29,685,000 | $ 121,000 | $ 101,000 |
| Levy County Florida | 48 | $ 4,230,000 | $ 88,000 | $ 70,000 |
| Columbia County Florida | 36 | $ 3,220,000 | $ 89,000 | $ 79,000 |
| Gilchrist County Florida | 23 | $ 1,865,000 | $ 81,000 | $ 85,000 |
| Marion County Florida | 22 | $ 1,660,000 | $ 75,000 | $ 84,000 |
| Dixie County Florida | 13 | $ 1,365,000 | $ 105,000 | $ 92,000 |
| Calcasieu County Louisiana | 8 | $ 710,000 | $ 88,000 | $ 0 |
| Union County Florida | 7 | $ 915,000 | $ 130,000 | $ 72,000 |
| Citrus County Florida | 6 | $ 410,000 | $ 68,000 | $ 101,000 |
| Suwannee County Florida | 6 | $ 450,000 | $ 75,000 | $ 80,000 |
| Clay County Florida | 5 | $ 645,000 | $ 129,000 | $ 58,000 |
| Bradford County Florida | 4 | $ 430,000 | $ 107,000 | $ 55,000 |
| Acadia County Louisiana | 4 | $ 300,000 | $ 75,000 | $ 0 |
| Bienville County Louisiana | 4 | $ 480,000 | $ 120,000 | $ 0 |
| Tuscaloosa County Alabama | 3 | $ 265,000 | $ 88,000 | $ 0 |
| Walker County Alabama | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Crawford County Arkansas | 3 | $ 325,000 | $ 108,000 | $ 0 |
| Saline County Arkansas | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Flagler County Florida | 3 | $ 495,000 | $ 165,000 | $ 111,000 |
| Hamilton County Florida | 3 | $ 245,000 | $ 81,000 | $ 73,000 |
| Hillsborough County Florida | 3 | $ 465,000 | $ 155,000 | $ 148,000 |
| Putnam County Florida | 3 | $ 205,000 | $ 68,000 | $ 64,000 |
| St. Johns County Florida | 3 | $ 395,000 | $ 131,000 | $ 150,000 |
| Carroll County Georgia | 3 | $ 355,000 | $ 118,000 | $ 0 |
| Beauregard County Louisiana | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Caddo County Louisiana | 3 | $ 395,000 | $ 131,000 | $ 0 |
| Cameron County Louisiana | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Rapides County Louisiana | 3 | $ 385,000 | $ 128,000 | $ 0 |
| Red River County Louisiana | 3 | $ 245,000 | $ 81,000 | $ 0 |
| Union County Louisiana | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Lee County Mississippi | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Robeson County North Carolina | 3 | $ 395,000 | $ 131,000 | $ 0 |
| Sequoyah County Oklahoma | 3 | $ 275,000 | $ 91,000 | $ 0 |
| Horry County South Carolina | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Bexar County Texas | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Grayson County Texas | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Travis County Texas | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Calhoun County Alabama | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Cherokee County Alabama | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Dale County Alabama | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Hale County Alabama | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Lee County Alabama | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Marengo County Alabama | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Mobile County Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Shelby County Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Clark County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Hempstead County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Independence County Arkansas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Jefferson County Arkansas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Miller County Arkansas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Van Buren County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Baker County Florida | 2 | $ 90,000 | $ 45,000 | $ 82,000 |
| Broward County Florida | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Duval County Florida | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Pasco County Florida | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Sarasota County Florida | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Baldwin County Georgia | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Houston County Georgia | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Troup County Georgia | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Bossier County Louisiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| De Soto County Louisiana | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Grant County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Ouachita County Louisiana | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Tangipahoa County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Vermilion County Louisiana | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Washington County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Pontotoc County Mississippi | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Tate County Mississippi | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Wilkinson County Mississippi | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Osage County Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 0 |
| McMinn County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Angelina County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Atascosa County Texas | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Hardin County Texas | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Harris County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Jasper County Texas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Montgomery County Texas | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Nueces County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Rusk County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Tarrant County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Williamson County Texas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Autauga County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Blount County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Chilton County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cleburne County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Coffee County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Covington County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Cullman County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Houston County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lawrence County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Morgan County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Randolph County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Talladega County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Ashley County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cleveland County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Crittenden County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Faulkner County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Franklin County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Izard County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lonoke County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Montgomery County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Newton County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Pike County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Stone County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Union County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Washington County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bay County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gulf County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hernando County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Highlands County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lake County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Madison County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Manatee County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Martin County Florida | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Nassau County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Okeechobee County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Orange County Florida | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Sumter County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Taylor County Florida | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Atkinson County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Candler County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Coffee County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Colquitt County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Coweta County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dodge County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dooly County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Early County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Grady County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hancock County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Haralson County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Heard County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Laurens County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Liberty County Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Montgomery County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Paulding County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Peach County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pickens County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Putnam County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Richmond County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Seminole County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Toombs County Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Madison County Illinois | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Claiborne County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Concordia County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jefferson Davis County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| La Salle County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Natchitoches County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Richland County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| St. Charles County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Helena County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Terrebonne County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| West Baton Rouge County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| West Carroll County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Livingston County Michigan | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Alcorn County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Amite County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Copiah County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Forrest County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Greene County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jasper County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jones County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lamar County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lauderdale County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Leake County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lowndes County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marion County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Marshall County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pearl River County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Tallahatchie County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Union County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Webster County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Winston County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Anson County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Haywood County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Creek County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Delaware County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Grady County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Haskell County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Logan County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Major County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Mayes County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 0 |
| McIntosh County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Muskogee County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nowata County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ottawa County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pawnee County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Rogers County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Washington County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Colleton County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Richland County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fentress County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Overton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Roane County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tipton County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Van Buren County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Anderson County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bandera County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bosque County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Eastland County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ector County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ellis County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Gaines County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Galveston County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gillespie County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hall County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Harrison County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Haskell County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hays County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Henderson County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Hunt County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jefferson County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Knox County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lavaca County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Leon County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lubbock County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Medina County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Menard County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Midland County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Mills County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Navarro County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Presidio County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Randall County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Reagan County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Red River County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sabine County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Trinity County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tyler County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wichita County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wilson County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Wood County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Young County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| York County Virginia | 1 | $ 75,000 | $ 75,000 | $ 320,000 |
Mortgage Loan Application Detail Totals for Radiant Credit Union 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 394 | $45,260,000 | $114,000 | $535,000 | $73,000 | $254,000 |
| Home Improvement | 135 | $8,165,000 | $60,000 | $405,000 | $86,000 | $390,000 |
| Other Purpose | 110 | $8,340,000 | $75,000 | $355,000 | $94,000 | $444,000 |
| Cash-out Refinancing | 98 | $13,280,000 | $135,000 | $485,000 | $92,000 | $333,000 |
| Refinancing | 61 | $13,095,000 | $214,000 | $1,675,000 | $108,000 | $940,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 354 | $43,310,000 | $122,000 | $1,675,000 | $0 | $0 |
| White | 312 | $32,660,000 | $104,000 | $505,000 | $90,000 | $538,000 |
| Black or African American | 57 | $5,285,000 | $92,000 | $355,000 | $70,000 | $223,000 |
| Not Provided | 56 | $5,280,000 | $94,000 | $505,000 | $111,000 | $940,000 |
| Hispanic | 13 | $1,025,000 | $78,000 | $205,000 | $97,000 | $279,000 |
| American Indian or Alaskan Native | 3 | $295,000 | $98,000 | $145,000 | $55,000 | $94,000 |
| Asian | 3 | $285,000 | $95,000 | $165,000 | $126,000 | $254,000 |
| 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) | 798 | $88,140,000 | $110,000 | $1,675,000 | $90,000 | $940,000 |
| 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 Purchased By The Institution | 340 | $36,320,000 | $106,000 | $175,000 | $0 | $0 |
| Loan Originated | 212 | $24,670,000 | $116,000 | $1,675,000 | $111,000 | $940,000 |
| Application Denied By Financial Institution | 171 | $18,325,000 | $107,000 | $505,000 | $66,000 | $320,000 |
| Application Approved But Not Accepted | 68 | $7,450,000 | $109,000 | $505,000 | $92,000 | $444,000 |
| Application Withdrawn By Applicant | 6 | $1,260,000 | $210,000 | $865,000 | $84,000 | $195,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| 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 | 627 | $69,815,000 | $111,000 | $1,675,000 | $105,000 | $940,000 |
| Credit History | 64 | $5,270,000 | $82,000 | $365,000 | $63,000 | $223,000 |
| Debt-To-Income Ratio | 58 | $7,350,000 | $126,000 | $405,000 | $56,000 | $204,000 |
| Unverifiable Information | 21 | $2,385,000 | $113,000 | $505,000 | $75,000 | $230,000 |
| Collateral | 17 | $1,295,000 | $76,000 | $355,000 | $66,000 | $162,000 |
| Other | 7 | $1,395,000 | $199,000 | $365,000 | $162,000 | $320,000 |
| Credit Application Incomplete | 4 | $630,000 | $157,000 | $365,000 | $57,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Radiant Credit Union'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 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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