Red River Bank Mortgage Lending & HMDA Data, 2019
In 2019, Red River Bank of Alexandria, LA reported 1,371 mortgage applications totaling $297.2 million, up 1% from 2018. The average application was for $216,787, and applicants reported an average income of $158,318. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Alexandria, LA (577), Shreveport-Bossier City, LA (363) and Baton Rouge, LA (232) (applications in parentheses).
| Mortgage Company & Address | Red River Bank 1412 Centre Court Drive Alexandria, LA 71301 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2005 |
| Total Number of Mortgage Applications | 1,371 |
| Total Mortgage Loan Application Amount | $297,215,000 |
| Average Mortgage Loan Application Amount | $216,787 |
| Highest Mortgage Loan Application Amount | $4,425,000 |
| Average Applicant Income | $158,318 |
| Highest Applicant Income | $2,138,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Red River Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alexandria, LA | 577 | $ 95,275,000 | $ 165,121 | $ 124,000 |
| Shreveport-Bossier City, LA | 363 | $ 89,595,000 | $ 246,818 | $ 153,000 |
| Baton Rouge, LA | 232 | $ 60,350,000 | $ 260,129 | $ 205,000 |
| Outside any metro area | 83 | $ 12,335,000 | $ 148,614 | $ 122,481 |
| New Orleans-Metairie, LA | 31 | $ 12,545,000 | $ 404,677 | $ 277,000 |
| Lake Charles, LA | 22 | $ 6,350,000 | $ 288,636 | $ 310,000 |
| Lafayette, LA | 14 | $ 2,900,000 | $ 207,142 | $ 176,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 3,570,000 | $ 446,250 | $ 598,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,845,000 | $ 369,000 | $ 174,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,135,000 | $ 378,333 | $ 475,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 745,000 | $ 248,333 | $ 101,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,155,000 | $ 385,000 | $ 119,000 |
| Austin-Round Rock, TX | 2 | $ 480,000 | $ 240,000 | $ 232,000 |
| Dallas-Plano-Irving, TX | 2 | $ 830,000 | $ 415,000 | $ 145,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 390,000 | $ 195,000 | $ 95,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 710,000 | $ 355,000 | $ 162,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 650,000 | $ 325,000 | $ 193,000 |
| Monroe, LA | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,120,000 | $ 560,000 | $ 434,000 |
| Asheville, NC | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 265,000 | $ 265,000 | $ 68,000 |
| Duluth, MN-WI | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Greeley, CO | 1 | $ 445,000 | $ 445,000 | $ 207,000 |
| Hammond, LA | 1 | $ 375,000 | $ 375,000 | $ 248,000 |
| Houma-Thibodaux, LA | 1 | $ 295,000 | $ 295,000 | $ 88,000 |
| Jackson, MS | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 455,000 | $ 455,000 | $ 197,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 185,000 | $ 185,000 | $ 416,000 |
| Tucson, AZ | 1 | $ 805,000 | $ 805,000 | $ 691,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 905,000 | $ 905,000 | $ 249,000 |
| Wichita Falls, TX | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Red River Bank in 2019
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 | 841 | $191,565,000 | $227,000 | $2,045,000 | $146,000 | $1,751,000 |
| Refinancing | 331 | $74,185,000 | $224,000 | $4,425,000 | $195,000 | $2,138,000 |
| Cash-out Refinancing | 88 | $18,820,000 | $213,000 | $485,000 | $114,000 | $770,000 |
| Other Purpose | 73 | $10,575,000 | $144,000 | $1,325,000 | $200,000 | $1,856,000 |
| Home Improvement | 38 | $2,070,000 | $54,000 | $225,000 | $134,000 | $432,000 |
| 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 | 1,125 | $248,955,000 | $221,000 | $1,605,000 | $163,000 | $2,138,000 |
| Black or African American | 104 | $14,150,000 | $136,000 | $405,000 | $62,000 | $209,000 |
| Not applicable | 89 | $22,475,000 | $252,000 | $4,425,000 | $0 | $0 |
| Asian | 25 | $5,925,000 | $237,000 | $855,000 | $251,000 | $954,000 |
| Hispanic | 18 | $3,760,000 | $208,000 | $455,000 | $147,000 | $698,000 |
| American Indian or Alaskan Native | 3 | $365,000 | $121,000 | $195,000 | $80,000 | $181,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
| 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) | 1,049 | $239,135,000 | $227,000 | $4,425,000 | $187,000 | $2,138,000 |
| FHA-insured (Federal Housing Administration) | 166 | $26,210,000 | $157,000 | $325,000 | $62,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 88 | $21,350,000 | $242,000 | $525,000 | $93,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $10,520,000 | $154,000 | $335,000 | $54,000 | $113,000 |
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 | 1,115 | $247,335,000 | $221,000 | $4,425,000 | $168,000 | $1,755,000 |
| Application Withdrawn By Applicant | 163 | $34,485,000 | $211,000 | $1,205,000 | $126,000 | $2,138,000 |
| Application Denied By Financial Institution | 80 | $12,540,000 | $156,000 | $1,605,000 | $70,000 | $199,000 |
| Application Approved But Not Accepted | 9 | $2,645,000 | $293,000 | $845,000 | $324,000 | $880,000 |
| Loan Purchased By The Institution | 4 | $210,000 | $52,000 | $55,000 | $21,000 | $26,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,291 | $284,675,000 | $220,000 | $4,425,000 | $162,000 | $2,138,000 |
| Credit History | 28 | $2,770,000 | $98,000 | $415,000 | $61,000 | $152,000 |
| Debt-To-Income Ratio | 23 | $5,085,000 | $221,000 | $1,605,000 | $59,000 | $167,000 |
| Collateral | 17 | $2,325,000 | $136,000 | $445,000 | $99,000 | $199,000 |
| Other | 9 | $1,575,000 | $175,000 | $605,000 | $61,000 | $130,000 |
| Credit Application Incomplete | 2 | $670,000 | $335,000 | $365,000 | $141,000 | $162,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $27,000 | $27,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Red River Bank's 2019 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 Red River 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.
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