Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Red River Employees Federal Credit Union 2019 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 | 637 |
| Total Mortgage Loan Application Amount | $59,185,000 |
| Average Mortgage Loan Application Amount | $96,666 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $72,666 |
| Highest Applicant Income | $513,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 188 | $ 19,680,000 | $ 104,000 | $ 77,000 |
| Miller County Arkansas | 98 | $ 9,100,000 | $ 92,000 | $ 78,000 |
| Cass County Texas | 35 | $ 3,345,000 | $ 95,000 | $ 78,000 |
| Caddo County Louisiana | 23 | $ 2,215,000 | $ 96,000 | $ 54,000 |
| Howard County Arkansas | 21 | $ 1,605,000 | $ 76,000 | $ 53,000 |
| Red River County Texas | 19 | $ 1,735,000 | $ 91,000 | $ 68,000 |
| Little River County Arkansas | 16 | $ 1,100,000 | $ 68,000 | $ 60,000 |
| Hempstead County Arkansas | 15 | $ 905,000 | $ 60,000 | $ 68,000 |
| Lamar County Texas | 12 | $ 1,140,000 | $ 95,000 | $ 49,000 |
| Coahoma County Mississippi | 11 | $ 465,000 | $ 42,000 | $ 41,000 |
| Morehouse County Louisiana | 7 | $ 465,000 | $ 66,000 | $ 38,000 |
| Panola County Mississippi | 5 | $ 555,000 | $ 111,000 | $ 50,000 |
| Collin County Texas | 5 | $ 735,000 | $ 147,000 | $ 61,000 |
| Ellis County Texas | 5 | $ 355,000 | $ 71,000 | $ 55,000 |
| Pike County Arkansas | 4 | $ 150,000 | $ 37,000 | $ 50,000 |
| Lincoln County Louisiana | 4 | $ 380,000 | $ 95,000 | $ 96,000 |
| St. Landry County Louisiana | 4 | $ 220,000 | $ 55,000 | $ 82,000 |
| Dallas County Texas | 4 | $ 1,980,000 | $ 495,000 | $ 229,000 |
| Marion County Texas | 4 | $ 410,000 | $ 102,000 | $ 54,000 |
| Rusk County Texas | 4 | $ 340,000 | $ 85,000 | $ 102,000 |
| Lafayette County Arkansas | 3 | $ 205,000 | $ 68,000 | $ 67,000 |
| Pulaski County Arkansas | 3 | $ 305,000 | $ 101,000 | $ 80,000 |
| Saline County Arkansas | 3 | $ 295,000 | $ 98,000 | $ 81,000 |
| Sevier County Arkansas | 3 | $ 215,000 | $ 71,000 | $ 45,000 |
| Acadia County Louisiana | 3 | $ 255,000 | $ 85,000 | $ 59,000 |
| Calcasieu County Louisiana | 3 | $ 295,000 | $ 98,000 | $ 70,000 |
| Ouachita County Louisiana | 3 | $ 175,000 | $ 58,000 | $ 34,000 |
| Quitman County Mississippi | 3 | $ 145,000 | $ 48,000 | $ 21,000 |
| Hopkins County Texas | 3 | $ 275,000 | $ 91,000 | $ 63,000 |
| Hunt County Texas | 3 | $ 395,000 | $ 131,000 | $ 97,000 |
| Montgomery County Texas | 3 | $ 345,000 | $ 115,000 | $ 84,000 |
| Chicot County Arkansas | 2 | $ 70,000 | $ 35,000 | $ 34,000 |
| Columbia County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 67,000 |
| Conway County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 97,000 |
| Jefferson County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 57,000 |
| Lincoln County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 57,000 |
| Nevada County Arkansas | 2 | $ 120,000 | $ 60,000 | $ 39,000 |
| Washington County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 73,000 |
| Livingston County Louisiana | 2 | $ 180,000 | $ 90,000 | $ 58,000 |
| Hinds County Mississippi | 2 | $ 120,000 | $ 60,000 | $ 32,000 |
| McCurtain County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Bexar County Texas | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Comal County Texas | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Coryell County Texas | 2 | $ 220,000 | $ 110,000 | $ 99,000 |
| Delta County Texas | 2 | $ 210,000 | $ 105,000 | $ 113,000 |
| Ector County Texas | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Harrison County Texas | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Henderson County Texas | 2 | $ 130,000 | $ 65,000 | $ 50,000 |
| Nacogdoches County Texas | 2 | $ 220,000 | $ 110,000 | $ 68,000 |
| Navarro County Texas | 2 | $ 180,000 | $ 90,000 | $ 120,000 |
| Smith County Texas | 2 | $ 300,000 | $ 150,000 | $ 96,000 |
| Titus County Texas | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Van Zandt County Texas | 2 | $ 330,000 | $ 165,000 | $ 116,000 |
| Wood County Texas | 2 | $ 120,000 | $ 60,000 | $ 61,000 |
| Calhoun County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Cleburne County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Crawford County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Franklin County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Independence County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Pope County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Searcy County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Sebastian County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Union County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| White County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Putnam County Florida | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Santa Rosa County Florida | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Ascension County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 115,000 |
| Beauregard County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Bienville County Louisiana | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Bossier County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| De Soto County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| East Baton Rouge County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Franklin County Louisiana | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Iberville County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Jackson County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| Jefferson Davis County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Lafayette County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Pointe Coupee County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Sabine County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| St. Martin County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Vermilion County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Washington County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Webster County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Kent County Michigan | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Alcorn County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Claiborne County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Jones County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Lee County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 241,000 |
| Pearl River County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Pontotoc County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Prentiss County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 93,000 |
| Tunica County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 52,000 |
| Canadian County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Garfield County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Pottawatomie County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Dillon County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Angelina County Texas | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Atascosa County Texas | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Bell County Texas | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Brazos County Texas | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Clay County Texas | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Denton County Texas | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Franklin County Texas | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Galveston County Texas | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Guadalupe County Texas | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Hardin County Texas | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Jefferson County Texas | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Johnson County Texas | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Lee County Texas | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Liberty County Texas | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Limestone County Texas | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Lubbock County Texas | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Midland County Texas | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Montague County Texas | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Orange County Texas | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Palo Pinto County Texas | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Rains County Texas | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Randall County Texas | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Stephens County Texas | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Tarrant County Texas | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Travis County Texas | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Upshur County Texas | 1 | $ 275,000 | $ 275,000 | $ 35,000 |
| Victoria County Texas | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Walker County Texas | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Waller County Texas | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Webb County Texas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Young County Texas | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Red River Employees Federal Credit Union 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 | 465 | $42,035,000 | $90,000 | $655,000 | $69,000 | $396,000 |
| Cash-out Refinancing | 117 | $11,495,000 | $98,000 | $1,155,000 | $72,000 | $353,000 |
| Refinancing | 55 | $5,655,000 | $102,000 | $385,000 | $77,000 | $513,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 425 | $41,205,000 | $96,000 | $1,155,000 | $77,000 | $396,000 |
| Black or African American | 130 | $10,840,000 | $83,000 | $305,000 | $54,000 | $202,000 |
| Hispanic | 63 | $5,325,000 | $84,000 | $435,000 | $54,000 | $144,000 |
| Not Provided | 10 | $930,000 | $93,000 | $225,000 | $111,000 | $513,000 |
| American Indian or Alaskan Native | 6 | $500,000 | $83,000 | $155,000 | $59,000 | $125,000 |
| Asian | 3 | $385,000 | $128,000 | $225,000 | $70,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 539 | $47,795,000 | $88,000 | $1,155,000 | $74,000 | $513,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,015,000 | $117,000 | $275,000 | $47,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $4,235,000 | $114,000 | $265,000 | $49,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,140,000 | $114,000 | $225,000 | $59,000 | $119,000 |
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 | 393 | $37,385,000 | $95,000 | $1,155,000 | $79,000 | $513,000 |
| Application Denied By Financial Institution | 178 | $15,080,000 | $84,000 | $275,000 | $53,000 | $241,000 |
| Application Approved But Not Accepted | 46 | $4,640,000 | $100,000 | $315,000 | $75,000 | $307,000 |
| Preapproval Denied by Financial Institution | 17 | $1,745,000 | $102,000 | $235,000 | $34,000 | $95,000 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $85,000 | $55,000 | $92,000 |
| Application Withdrawn By Applicant | 1 | $195,000 | $195,000 | $195,000 | $137,000 | $137,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 637 | $59,185,000 | $92,000 | $1,155,000 | $70,000 | $513,000 |
| 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 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 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.