Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Red River Employees Federal Credit Union 2016 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 | 487 |
| Total Mortgage Loan Application Amount | $36,015,000 |
| Average Mortgage Loan Application Amount | $64,333 |
| Highest Mortgage Loan Application Amount | $2,383,000 |
| Average Applicant Income | $66,666 |
| Highest Applicant Income | $580,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 171 | $ 12,553,000 | $ 73,000 | $ 69,000 |
| Miller County Arkansas | 82 | $ 8,096,000 | $ 98,000 | $ 65,000 |
| Cass County Texas | 28 | $ 1,620,000 | $ 57,000 | $ 61,000 |
| Hempstead County Arkansas | 23 | $ 1,152,000 | $ 50,000 | $ 39,000 |
| Howard County Arkansas | 10 | $ 959,000 | $ 95,000 | $ 66,000 |
| Red River County Texas | 10 | $ 302,000 | $ 30,000 | $ 42,000 |
| Little River County Arkansas | 9 | $ 502,000 | $ 55,000 | $ 59,000 |
| Lamar County Texas | 7 | $ 301,000 | $ 43,000 | $ 53,000 |
| Garland County Arkansas | 5 | $ 456,000 | $ 91,000 | $ 176,000 |
| Nevada County Arkansas | 5 | $ 389,000 | $ 77,000 | $ 52,000 |
| Brazoria County Texas | 5 | $ 375,000 | $ 75,000 | $ 51,000 |
| Pike County Arkansas | 4 | $ 177,000 | $ 44,000 | $ 44,000 |
| Medina County Texas | 4 | $ 206,000 | $ 51,000 | $ 47,000 |
| Wood County Texas | 4 | $ 1,026,000 | $ 256,000 | $ 47,000 |
| Sevier County Arkansas | 3 | $ 197,000 | $ 65,000 | $ 86,000 |
| Dallas County Texas | 3 | $ 1,293,000 | $ 431,000 | $ 142,000 |
| Harris County Texas | 3 | $ 175,000 | $ 58,000 | $ 61,000 |
| Montgomery County Texas | 3 | $ 231,000 | $ 77,000 | $ 137,000 |
| Titus County Texas | 3 | $ 193,000 | $ 64,000 | $ 60,000 |
| Travis County Texas | 3 | $ 129,000 | $ 43,000 | $ 48,000 |
| Clark County Arkansas | 2 | $ 67,000 | $ 33,000 | $ 35,000 |
| Faulkner County Arkansas | 2 | $ 44,000 | $ 22,000 | $ 39,000 |
| Lafayette County Arkansas | 2 | $ 51,000 | $ 25,000 | $ 57,000 |
| Pulaski County Arkansas | 2 | $ 411,000 | $ 205,000 | $ 327,000 |
| Saline County Arkansas | 2 | $ 51,000 | $ 25,000 | $ 39,000 |
| Bexar County Texas | 2 | $ 100,000 | $ 50,000 | $ 84,000 |
| Burnet County Texas | 2 | $ 149,000 | $ 74,000 | $ 33,000 |
| Cameron County Texas | 2 | $ 103,000 | $ 51,000 | $ 54,000 |
| Fannin County Texas | 2 | $ 95,000 | $ 47,000 | $ 65,000 |
| Fort Bend County Texas | 2 | $ 72,000 | $ 36,000 | $ 51,000 |
| Gonzales County Texas | 2 | $ 177,000 | $ 88,000 | $ 32,000 |
| Grimes County Texas | 2 | $ 93,000 | $ 46,000 | $ 18,000 |
| Hidalgo County Texas | 2 | $ 77,000 | $ 38,000 | $ 38,000 |
| Hill County Texas | 2 | $ 75,000 | $ 37,000 | $ 42,000 |
| Upshur County Texas | 2 | $ 126,000 | $ 63,000 | $ 58,000 |
| Waller County Texas | 2 | $ 92,000 | $ 46,000 | $ 51,000 |
| Young County Texas | 2 | $ 114,000 | $ 57,000 | $ 49,000 |
| Benton County Arkansas | 1 | $ 41,000 | $ 41,000 | $ 33,000 |
| Carroll County Arkansas | 1 | $ 67,000 | $ 67,000 | $ 36,000 |
| Cleburne County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 164,000 |
| Conway County Arkansas | 1 | $ 26,000 | $ 26,000 | $ 92,000 |
| Craighead County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Crawford County Arkansas | 1 | $ 51,000 | $ 51,000 | $ 62,000 |
| Jackson County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 64,000 |
| Lawrence County Arkansas | 1 | $ 37,000 | $ 37,000 | $ 32,000 |
| Pope County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 88,000 |
| Prairie County Arkansas | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Union County Arkansas | 1 | $ 41,000 | $ 41,000 | $ 40,000 |
| White County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Creek County Oklahoma | 1 | $ 48,000 | $ 48,000 | $ 48,000 |
| Muskogee County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Angelina County Texas | 1 | $ 64,000 | $ 64,000 | $ 34,000 |
| Archer County Texas | 1 | $ 56,000 | $ 56,000 | $ 48,000 |
| Bandera County Texas | 1 | $ 54,000 | $ 54,000 | $ 54,000 |
| Bastrop County Texas | 1 | $ 33,000 | $ 33,000 | $ 44,000 |
| Burleson County Texas | 1 | $ 29,000 | $ 29,000 | $ 13,000 |
| Calhoun County Texas | 1 | $ 42,000 | $ 42,000 | $ 116,000 |
| Cherokee County Texas | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Deaf Smith County Texas | 1 | $ 76,000 | $ 76,000 | $ 48,000 |
| DeWitt County Texas | 1 | $ 49,000 | $ 49,000 | $ 43,000 |
| Dimmit County Texas | 1 | $ 43,000 | $ 43,000 | $ 59,000 |
| Ellis County Texas | 1 | $ 34,000 | $ 34,000 | $ 36,000 |
| Fayette County Texas | 1 | $ 47,000 | $ 47,000 | $ 46,000 |
| Hardin County Texas | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Henderson County Texas | 1 | $ 39,000 | $ 39,000 | $ 40,000 |
| Hopkins County Texas | 1 | $ 10,000 | $ 10,000 | $ 36,000 |
| Hunt County Texas | 1 | $ 43,000 | $ 43,000 | $ 44,000 |
| Jim Wells County Texas | 1 | $ 44,000 | $ 44,000 | $ 54,000 |
| Kerr County Texas | 1 | $ 69,000 | $ 69,000 | $ 20,000 |
| Lavaca County Texas | 1 | $ 21,000 | $ 21,000 | $ 22,000 |
| Liberty County Texas | 1 | $ 33,000 | $ 33,000 | $ 50,000 |
| Lubbock County Texas | 1 | $ 67,000 | $ 67,000 | $ 60,000 |
| Midland County Texas | 1 | $ 49,000 | $ 49,000 | $ 60,000 |
| Montague County Texas | 1 | $ 136,000 | $ 136,000 | $ 152,000 |
| Navarro County Texas | 1 | $ 48,000 | $ 48,000 | $ 40,000 |
| Newton County Texas | 1 | $ 71,000 | $ 71,000 | $ 76,000 |
| Orange County Texas | 1 | $ 64,000 | $ 64,000 | $ 71,000 |
| Palo Pinto County Texas | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Polk County Texas | 1 | $ 86,000 | $ 86,000 | $ 149,000 |
| Rockwall County Texas | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Runnels County Texas | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Rusk County Texas | 1 | $ 36,000 | $ 36,000 | $ 39,000 |
| San Augustine County Texas | 1 | $ 56,000 | $ 56,000 | $ 137,000 |
| San Jacinto County Texas | 1 | $ 84,000 | $ 84,000 | $ 71,000 |
| Smith County Texas | 1 | $ 62,000 | $ 62,000 | $ 67,000 |
| Somervell County Texas | 1 | $ 46,000 | $ 46,000 | $ 31,000 |
| Swisher County Texas | 1 | $ 37,000 | $ 37,000 | $ 29,000 |
| Tarrant County Texas | 1 | $ 43,000 | $ 43,000 | $ 37,000 |
| Trinity County Texas | 1 | $ 29,000 | $ 29,000 | $ 17,000 |
| Tyler County Texas | 1 | $ 99,000 | $ 99,000 | $ 124,000 |
| Van Zandt County Texas | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Wharton County Texas | 1 | $ 70,000 | $ 70,000 | $ 56,000 |
| Williamson County Texas | 1 | $ 86,000 | $ 86,000 | $ 33,000 |
| Salt Lake County Utah | 1 | $ 46,000 | $ 46,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Red River Employees Federal Credit Union in 2016
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 | 299 | $22,880,000 | $76,000 | $2,383,000 | $60,000 | $580,000 |
| Refinancing | 115 | $12,295,000 | $106,000 | $1,115,000 | $75,000 | $340,000 |
| Home Improvement | 73 | $840,000 | $11,000 | $15,000 | $65,000 | $200,000 |
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 | 362 | $26,187,000 | $72,000 | $1,115,000 | $70,000 | $580,000 |
| Black or African American | 49 | $2,291,000 | $46,000 | $191,000 | $46,000 | $139,000 |
| Hispanic | 28 | $1,392,000 | $49,000 | $128,000 | $51,000 | $149,000 |
| Not Provided | 27 | $1,528,000 | $56,000 | $130,000 | $61,000 | $318,000 |
| Not applicable | 14 | $4,229,000 | $302,000 | $2,383,000 | $3,000 | $50,000 |
| Asian | 4 | $227,000 | $56,000 | $120,000 | $116,000 | $333,000 |
| American Indian or Alaskan Native | 3 | $161,000 | $53,000 | $108,000 | $56,000 | $62,000 |
| Native Hawaiin 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) | 474 | $35,007,000 | $73,000 | $2,383,000 | $65,000 | $580,000 |
| FHA-insured (Federal Housing Administration) | 5 | $290,000 | $58,000 | $82,000 | $43,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $402,000 | $80,000 | $233,000 | $61,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 3 | $316,000 | $105,000 | $146,000 | $39,000 | $44,000 |
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 | 270 | $23,482,000 | $86,000 | $2,383,000 | $73,000 | $580,000 |
| Application Denied By Financial Institution | 123 | $7,456,000 | $60,000 | $225,000 | $51,000 | $333,000 |
| Loan Purchased By The Institution | 87 | $4,705,000 | $54,000 | $136,000 | $56,000 | $257,000 |
| Application Withdrawn By Applicant | 4 | $272,000 | $68,000 | $120,000 | $53,000 | $87,000 |
| Application Approved But Not Accepted | 2 | $83,000 | $41,000 | $70,000 | $46,000 | $46,000 |
| File Closed For Incompleteness | 1 | $17,000 | $17,000 | $17,000 | $35,000 | $35,000 |
| 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 | 61 | $3,321,000 | $54,000 | $195,000 | $46,000 | $149,000 |
| Other | 20 | $1,542,000 | $77,000 | $165,000 | $73,000 | $318,000 |
| Debt-To-Income Ratio | 19 | $986,000 | $51,000 | $109,000 | $25,000 | $49,000 |
| Collateral | 7 | $615,000 | $87,000 | $225,000 | $76,000 | $116,000 |
| Employment History | 4 | $161,000 | $40,000 | $60,000 | $46,000 | $56,000 |
| Credit Application Incomplete | 3 | $230,000 | $76,000 | $129,000 | $59,000 | $97,000 |
| Unverifiable Information | 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 Red River Employees Federal Credit Union's 2016 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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