Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Red River Employees Federal 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 | 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 | 567 |
| Total Mortgage Loan Application Amount | $76,285,000 |
| Average Mortgage Loan Application Amount | $111,800 |
| Highest Mortgage Loan Application Amount | $5,705,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $828,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | $ 23,865,000 | $ 134,000 | $ 70,000 |
| Miller County Arkansas | 83 | $ 14,725,000 | $ 177,000 | $ 73,000 |
| Cass County Texas | 34 | $ 3,150,000 | $ 92,000 | $ 101,000 |
| Hempstead County Arkansas | 23 | $ 1,395,000 | $ 60,000 | $ 44,000 |
| Little River County Arkansas | 20 | $ 1,000,000 | $ 50,000 | $ 44,000 |
| Lamar County Texas | 16 | $ 4,160,000 | $ 260,000 | $ 58,000 |
| Howard County Arkansas | 15 | $ 1,055,000 | $ 70,000 | $ 57,000 |
| Red River County Texas | 12 | $ 660,000 | $ 55,000 | $ 69,000 |
| Pike County Arkansas | 11 | $ 735,000 | $ 66,000 | $ 57,000 |
| Nevada County Arkansas | 7 | $ 625,000 | $ 89,000 | $ 59,000 |
| Caddo County Louisiana | 7 | $ 545,000 | $ 77,000 | $ 48,000 |
| Harris County Texas | 7 | $ 855,000 | $ 122,000 | $ 218,000 |
| Garland County Arkansas | 6 | $ 830,000 | $ 138,000 | $ 96,000 |
| Hopkins County Texas | 6 | $ 920,000 | $ 153,000 | $ 86,000 |
| Orange County Texas | 6 | $ 340,000 | $ 56,000 | $ 57,000 |
| Brazos County Texas | 5 | $ 7,755,000 | $ 1,551,000 | $ 74,000 |
| Camp County Texas | 4 | $ 330,000 | $ 82,000 | $ 69,000 |
| Smith County Texas | 4 | $ 220,000 | $ 55,000 | $ 47,000 |
| Faulkner County Arkansas | 3 | $ 165,000 | $ 55,000 | $ 46,000 |
| Coahoma County Mississippi | 3 | $ 75,000 | $ 25,000 | $ 40,000 |
| Panola County Mississippi | 3 | $ 285,000 | $ 95,000 | $ 42,000 |
| Grayson County Texas | 3 | $ 435,000 | $ 145,000 | $ 107,000 |
| Harrison County Texas | 3 | $ 735,000 | $ 245,000 | $ 231,000 |
| Titus County Texas | 3 | $ 285,000 | $ 95,000 | $ 57,000 |
| Columbia County Arkansas | 2 | $ 70,000 | $ 35,000 | $ 93,000 |
| Perry County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 86,000 |
| Pulaski County Arkansas | 2 | $ 80,000 | $ 40,000 | $ 33,000 |
| Yell County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 78,000 |
| Bossier County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 20,000 |
| East Baton Rouge County Louisiana | 2 | $ 160,000 | $ 80,000 | $ 67,000 |
| Morehouse County Louisiana | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Tallahatchie County Mississippi | 2 | $ 80,000 | $ 40,000 | $ 57,000 |
| Chambers County Texas | 2 | $ 120,000 | $ 60,000 | $ 43,000 |
| Collin County Texas | 2 | $ 290,000 | $ 145,000 | $ 110,000 |
| Delta County Texas | 2 | $ 80,000 | $ 40,000 | $ 34,000 |
| Franklin County Texas | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| Gaines County Texas | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Henderson County Texas | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Hidalgo County Texas | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Hood County Texas | 2 | $ 100,000 | $ 50,000 | $ 65,000 |
| Hunt County Texas | 2 | $ 670,000 | $ 335,000 | $ 262,000 |
| Liberty County Texas | 2 | $ 110,000 | $ 55,000 | $ 71,000 |
| Midland County Texas | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Morris County Texas | 2 | $ 170,000 | $ 85,000 | $ 79,000 |
| Rains County Texas | 2 | $ 160,000 | $ 80,000 | $ 86,000 |
| Shelby County Texas | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Tarrant County Texas | 2 | $ 450,000 | $ 225,000 | $ 121,000 |
| Upshur County Texas | 2 | $ 120,000 | $ 60,000 | $ 92,000 |
| Benton County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Clark County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Cleburne County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 56,000 |
| Cleveland County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Conway County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Craighead County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cross County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Franklin County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Independence County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 11,000 |
| Jackson County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Ouachita County Arkansas | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Polk County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Pope County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Prairie County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Sebastian County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Sevier County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| St. Francis County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Washington County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| White County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Collier County Florida | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| St. Lucie County Florida | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Lincoln County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Red River County Louisiana | 1 | $ 415,000 | $ 415,000 | $ 237,000 |
| Sabine County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| St. Helena County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Tangipahoa County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Union County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Marion County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Newton County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Quitman County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Walthall County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Austin County Texas | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Bexar County Texas | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Brazoria County Texas | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Burnet County Texas | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Callahan County Texas | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Coleman County Texas | 1 | $ 165,000 | $ 165,000 | $ 128,000 |
| Comal County Texas | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Denton County Texas | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Erath County Texas | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Fannin County Texas | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Fort Bend County Texas | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Hardin County Texas | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Jasper County Texas | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Jefferson County Texas | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Jones County Texas | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Leon County Texas | 1 | $ 55,000 | $ 55,000 | $ 204,000 |
| Lubbock County Texas | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| McLennan County Texas | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Nueces County Texas | 1 | $ 115,000 | $ 115,000 | $ 69,000 |
| Parker County Texas | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Pecos County Texas | 1 | $ 145,000 | $ 145,000 | $ 112,000 |
| Potter County Texas | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Runnels County Texas | 1 | $ 115,000 | $ 115,000 | $ 128,000 |
| Sterling County Texas | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Travis County Texas | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Waller County Texas | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Wood County Texas | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Red River Employees Federal 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 | 395 | $55,045,000 | $139,000 | $5,705,000 | $72,000 | $828,000 |
| Refinancing | 70 | $11,750,000 | $167,000 | $2,405,000 | $76,000 | $550,000 |
| Cash-out Refinancing | 69 | $7,135,000 | $103,000 | $415,000 | $66,000 | $237,000 |
| Other Purpose | 31 | $2,195,000 | $70,000 | $235,000 | $62,000 | $156,000 |
| Home Improvement | 2 | $160,000 | $80,000 | $105,000 | $34,000 | $48,000 |
| 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 | 360 | $33,760,000 | $93,000 | $565,000 | $75,000 | $634,000 |
| Black or African American | 80 | $6,930,000 | $86,000 | $415,000 | $53,000 | $237,000 |
| Not Provided | 46 | $3,890,000 | $84,000 | $265,000 | $72,000 | $262,000 |
| Not applicable | 39 | $28,815,000 | $738,000 | $5,705,000 | $0 | $0 |
| Hispanic | 32 | $2,040,000 | $63,000 | $195,000 | $72,000 | $828,000 |
| American Indian or Alaskan Native | 7 | $405,000 | $57,000 | $95,000 | $58,000 | $149,000 |
| Asian | 2 | $340,000 | $170,000 | $205,000 | $73,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $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) | 521 | $70,755,000 | $135,000 | $5,705,000 | $73,000 | $828,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,810,000 | $117,000 | $275,000 | $48,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,045,000 | $95,000 | $175,000 | $50,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,675,000 | $152,000 | $235,000 | $61,000 | $120,000 |
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 | 391 | $62,205,000 | $159,000 | $5,705,000 | $76,000 | $634,000 |
| Application Denied By Financial Institution | 117 | $8,395,000 | $71,000 | $305,000 | $57,000 | $828,000 |
| Application Withdrawn By Applicant | 58 | $5,510,000 | $95,000 | $335,000 | $68,000 | $204,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $134,000 | $134,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 567 | $76,285,000 | $134,000 | $5,705,000 | $71,000 | $828,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Red River Employees Federal 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 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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