Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Red River Employees Federal Credit Union 2015 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 | Red River Employees Federal Credit Union 4405 Summerhill Road Texarkana, TX 75503 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 | 611 |
| Total Mortgage Loan Application Amount | $41,004,000 |
| Average Mortgage Loan Application Amount | $54,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $321,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Red River Employees Federal 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 Red River Employees Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Red River Employees Federal 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 Red River Employees Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Red River Employees Federal 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 Red River Employees Federal Credit Union's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bowie County Texas | 177 | $ 12,863,000 | $ 72,000 | $ 59,000 |
| Miller County Arkansas | 136 | $ 9,940,000 | $ 73,000 | $ 56,000 |
| Cass County Texas | 43 | $ 2,540,000 | $ 59,000 | $ 71,000 |
| Red River County Texas | 18 | $ 806,000 | $ 44,000 | $ 57,000 |
| Howard County Arkansas | 15 | $ 904,000 | $ 60,000 | $ 44,000 |
| Hempstead County Arkansas | 13 | $ 700,000 | $ 53,000 | $ 45,000 |
| Lamar County Texas | 10 | $ 577,000 | $ 57,000 | $ 42,000 |
| Little River County Arkansas | 9 | $ 505,000 | $ 56,000 | $ 79,000 |
| Nevada County Arkansas | 6 | $ 364,000 | $ 60,000 | $ 44,000 |
| Sevier County Arkansas | 6 | $ 513,000 | $ 85,000 | $ 83,000 |
| Hopkins County Texas | 6 | $ 328,000 | $ 54,000 | $ 74,000 |
| Garland County Arkansas | 5 | $ 798,000 | $ 159,000 | $ 9,000 |
| Lafayette County Arkansas | 5 | $ 168,000 | $ 33,000 | $ 34,000 |
| Bexar County Texas | 5 | $ 321,000 | $ 64,000 | $ 52,000 |
| Pike County Arkansas | 4 | $ 170,000 | $ 42,000 | $ 56,000 |
| Tarrant County Texas | 4 | $ 321,000 | $ 80,000 | $ 69,000 |
| Crawford County Arkansas | 3 | $ 143,000 | $ 47,000 | $ 49,000 |
| Brazoria County Texas | 3 | $ 120,000 | $ 40,000 | $ 58,000 |
| Denton County Texas | 3 | $ 283,000 | $ 94,000 | $ 16,000 |
| Hardin County Texas | 3 | $ 161,000 | $ 53,000 | $ 67,000 |
| Jasper County Texas | 3 | $ 166,000 | $ 55,000 | $ 89,000 |
| Orange County Texas | 3 | $ 174,000 | $ 58,000 | $ 55,000 |
| Travis County Texas | 3 | $ 175,000 | $ 58,000 | $ 44,000 |
| Benton County Arkansas | 2 | $ 186,000 | $ 93,000 | $ 96,000 |
| Chicot County Arkansas | 2 | $ 109,000 | $ 54,000 | $ 39,000 |
| Faulkner County Arkansas | 2 | $ 140,000 | $ 70,000 | $ 119,000 |
| Jefferson County Arkansas | 2 | $ 64,000 | $ 32,000 | $ 33,000 |
| Polk County Arkansas | 2 | $ 221,000 | $ 110,000 | $ 208,000 |
| Washington County Arkansas | 2 | $ 76,000 | $ 38,000 | $ 58,000 |
| White County Arkansas | 2 | $ 72,000 | $ 36,000 | $ 31,000 |
| Burnet County Texas | 2 | $ 60,000 | $ 30,000 | $ 35,000 |
| Camp County Texas | 2 | $ 64,000 | $ 32,000 | $ 40,000 |
| Chambers County Texas | 2 | $ 75,000 | $ 37,000 | $ 26,000 |
| Comal County Texas | 2 | $ 81,000 | $ 40,000 | $ 58,000 |
| Grayson County Texas | 2 | $ 292,000 | $ 146,000 | $ 93,000 |
| Harris County Texas | 2 | $ 140,000 | $ 70,000 | $ 7,000 |
| Henderson County Texas | 2 | $ 30,000 | $ 15,000 | $ 52,000 |
| Hidalgo County Texas | 2 | $ 141,000 | $ 70,000 | $ 65,000 |
| Nacogdoches County Texas | 2 | $ 80,000 | $ 40,000 | $ 66,000 |
| Navarro County Texas | 2 | $ 172,000 | $ 86,000 | $ 125,000 |
| San Jacinto County Texas | 2 | $ 122,000 | $ 61,000 | $ 44,000 |
| Titus County Texas | 2 | $ 160,000 | $ 80,000 | $ 76,000 |
| Victoria County Texas | 2 | $ 125,000 | $ 62,000 | $ 51,000 |
| Williamson County Texas | 2 | $ 98,000 | $ 49,000 | $ 51,000 |
| Arkansas County Arkansas | 1 | $ 34,000 | $ 34,000 | $ 42,000 |
| Baxter County Arkansas | 1 | $ 79,000 | $ 79,000 | $ 39,000 |
| Bradley County Arkansas | 1 | $ 37,000 | $ 37,000 | $ 60,000 |
| Clark County Arkansas | 1 | $ 158,000 | $ 158,000 | $ 51,000 |
| Columbia County Arkansas | 1 | $ 53,000 | $ 53,000 | $ 58,000 |
| Conway County Arkansas | 1 | $ 113,000 | $ 113,000 | $ 60,000 |
| Craighead County Arkansas | 1 | $ 62,000 | $ 62,000 | $ 71,000 |
| Crittenden County Arkansas | 1 | $ 32,000 | $ 32,000 | $ 18,000 |
| Dallas County Arkansas | 1 | $ 34,000 | $ 34,000 | $ 117,000 |
| Drew County Arkansas | 1 | $ 91,000 | $ 91,000 | $ 54,000 |
| Hot Spring County Arkansas | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Lawrence County Arkansas | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Marion County Arkansas | 1 | $ 38,000 | $ 38,000 | $ 21,000 |
| Pulaski County Arkansas | 1 | $ 39,000 | $ 39,000 | $ 28,000 |
| Scott County Arkansas | 1 | $ 141,000 | $ 141,000 | $ 57,000 |
| Searcy County Arkansas | 1 | $ 36,000 | $ 36,000 | $ 19,000 |
| Sharp County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Union County Arkansas | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Van Buren County Arkansas | 1 | $ 37,000 | $ 37,000 | $ 15,000 |
| Hamilton County Florida | 1 | $ 64,000 | $ 64,000 | $ 47,000 |
| Cameron County Louisiana | 1 | $ 61,000 | $ 61,000 | $ 57,000 |
| Armstrong County Texas | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Atascosa County Texas | 1 | $ 42,000 | $ 42,000 | $ 23,000 |
| Austin County Texas | 1 | $ 46,000 | $ 46,000 | $ 98,000 |
| Bailey County Texas | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Bastrop County Texas | 1 | $ 44,000 | $ 44,000 | $ 48,000 |
| Burleson County Texas | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Collin County Texas | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Dallam County Texas | 1 | $ 88,000 | $ 88,000 | $ 37,000 |
| Delta County Texas | 1 | $ 104,000 | $ 104,000 | $ 68,000 |
| DeWitt County Texas | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| El Paso County Texas | 1 | $ 89,000 | $ 89,000 | $ 78,000 |
| Fannin County Texas | 1 | $ 52,000 | $ 52,000 | $ 56,000 |
| Fort Bend County Texas | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Franklin County Texas | 1 | $ 57,000 | $ 57,000 | $ 89,000 |
| Freestone County Texas | 1 | $ 14,000 | $ 14,000 | $ 96,000 |
| Gaines County Texas | 1 | $ 99,000 | $ 99,000 | $ 160,000 |
| Grimes County Texas | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Harrison County Texas | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Hays County Texas | 1 | $ 46,000 | $ 46,000 | $ 34,000 |
| Hood County Texas | 1 | $ 44,000 | $ 44,000 | $ 119,000 |
| Jackson County Texas | 1 | $ 47,000 | $ 47,000 | $ 45,000 |
| Johnson County Texas | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Karnes County Texas | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Kaufman County Texas | 1 | $ 78,000 | $ 78,000 | $ 51,000 |
| Kerr County Texas | 1 | $ 29,000 | $ 29,000 | $ 45,000 |
| Kleberg County Texas | 1 | $ 64,000 | $ 64,000 | $ 76,000 |
| Leon County Texas | 1 | $ 58,000 | $ 58,000 | $ 53,000 |
| Liberty County Texas | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Limestone County Texas | 1 | $ 79,000 | $ 79,000 | $ 91,000 |
| Live Oak County Texas | 1 | $ 33,000 | $ 33,000 | $ 106,000 |
| Madison County Texas | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Marion County Texas | 1 | $ 140,000 | $ 140,000 | $ 181,000 |
| Maverick County Texas | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| McLennan County Texas | 1 | $ 41,000 | $ 41,000 | $ 25,000 |
| Medina County Texas | 1 | $ 70,000 | $ 70,000 | $ 41,000 |
| Midland County Texas | 1 | $ 54,000 | $ 54,000 | $ 59,000 |
| Mills County Texas | 1 | $ 46,000 | $ 46,000 | $ 88,000 |
| Montgomery County Texas | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| Morris County Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Newton County Texas | 1 | $ 41,000 | $ 41,000 | $ 85,000 |
| Pecos County Texas | 1 | $ 68,000 | $ 68,000 | $ 77,000 |
| Rusk County Texas | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| San Augustine County Texas | 1 | $ 68,000 | $ 68,000 | $ 52,000 |
| Tom Green County Texas | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Upshur County Texas | 1 | $ 34,000 | $ 34,000 | $ 32,000 |
| Val Verde County Texas | 1 | $ 26,000 | $ 26,000 | $ 72,000 |
| Walker County Texas | 1 | $ 135,000 | $ 135,000 | $ 121,000 |
| Waller County Texas | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Webb County Texas | 1 | $ 46,000 | $ 46,000 | $ 53,000 |
| Wharton County Texas | 1 | $ 42,000 | $ 42,000 | $ 33,000 |
| Wilson County Texas | 1 | $ 51,000 | $ 51,000 | $ 55,000 |
| Wood County Texas | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Red River Employees Federal Credit Union in 2015
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 | 421 | $29,909,000 | $71,000 | $500,000 | $55,000 | $321,000 |
| Refinancing | 128 | $10,357,000 | $80,000 | $650,000 | $57,000 | $147,000 |
| Home Improvement | 62 | $738,000 | $11,000 | $15,000 | $77,000 | $214,000 |
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 | 425 | $30,462,000 | $71,000 | $500,000 | $64,000 | $321,000 |
| Not applicable | 58 | $3,840,000 | $66,000 | $650,000 | $27,000 | $98,000 |
| Black or African American | 57 | $2,869,000 | $50,000 | $146,000 | $51,000 | $142,000 |
| Hispanic | 33 | $1,804,000 | $54,000 | $111,000 | $48,000 | $139,000 |
| Not Provided | 31 | $1,603,000 | $51,000 | $204,000 | $45,000 | $107,000 |
| American Indian or Alaskan Native | 6 | $398,000 | $66,000 | $135,000 | $75,000 | $160,000 |
| Asian | 1 | $28,000 | $28,000 | $28,000 | $19,000 | $19,000 |
| 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) | 588 | $37,985,000 | $64,000 | $650,000 | $58,000 | $321,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,029,000 | $144,000 | $221,000 | $66,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 6 | $731,000 | $121,000 | $203,000 | $73,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $259,000 | $86,000 | $119,000 | $38,000 | $43,000 |
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 | 333 | $23,615,000 | $70,000 | $650,000 | $64,000 | $321,000 |
| Application Denied By Financial Institution | 166 | $10,765,000 | $64,000 | $318,000 | $46,000 | $142,000 |
| Loan Purchased By The Institution | 102 | $5,773,000 | $56,000 | $141,000 | $58,000 | $216,000 |
| Application Withdrawn By Applicant | 7 | $587,000 | $83,000 | $177,000 | $45,000 | $61,000 |
| File Closed For Incompleteness | 2 | $209,000 | $104,000 | $175,000 | $53,000 | $67,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $68,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 112 | $6,810,000 | $60,000 | $318,000 | $46,000 | $111,000 |
| Debt-To-Income Ratio | 29 | $2,051,000 | $70,000 | $240,000 | $37,000 | $90,000 |
| Other | 12 | $972,000 | $81,000 | $196,000 | $58,000 | $96,000 |
| Credit Application Incomplete | 4 | $290,000 | $72,000 | $115,000 | $92,000 | $142,000 |
| Employment History | 4 | $273,000 | $68,000 | $136,000 | $40,000 | $60,000 |
| Collateral | 3 | $289,000 | $96,000 | $181,000 | $69,000 | $105,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Red River Employees Federal Credit Union's 2015 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 Employees Federal 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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