Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Red River Employees Federal Credit Union 2022 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 | 792 |
| Total Mortgage Loan Application Amount | $104,050,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $66,200 |
| Highest Applicant Income | $862,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 203 | $ 25,425,000 | $ 125,000 | $ 84,000 |
| Miller County Arkansas | 128 | $ 17,910,000 | $ 139,000 | $ 95,000 |
| Cass County Texas | 38 | $ 4,130,000 | $ 108,000 | $ 75,000 |
| Caddo County Louisiana | 33 | $ 3,945,000 | $ 119,000 | $ 82,000 |
| Lamar County Texas | 26 | $ 3,880,000 | $ 149,000 | $ 92,000 |
| Hempstead County Arkansas | 18 | $ 1,720,000 | $ 95,000 | $ 67,000 |
| Little River County Arkansas | 18 | $ 2,340,000 | $ 130,000 | $ 79,000 |
| Hopkins County Texas | 17 | $ 2,255,000 | $ 132,000 | $ 81,000 |
| Howard County Arkansas | 15 | $ 1,335,000 | $ 89,000 | $ 54,000 |
| Red River County Texas | 14 | $ 890,000 | $ 63,000 | $ 65,000 |
| Nevada County Arkansas | 11 | $ 925,000 | $ 84,000 | $ 78,000 |
| Harrison County Texas | 10 | $ 1,330,000 | $ 133,000 | $ 79,000 |
| Sevier County Arkansas | 8 | $ 670,000 | $ 83,000 | $ 92,000 |
| Coahoma County Mississippi | 8 | $ 500,000 | $ 62,000 | $ 73,000 |
| Bossier County Louisiana | 7 | $ 1,175,000 | $ 167,000 | $ 96,000 |
| Morehouse County Louisiana | 6 | $ 380,000 | $ 63,000 | $ 65,000 |
| Rains County Texas | 5 | $ 715,000 | $ 143,000 | $ 104,000 |
| Saline County Arkansas | 4 | $ 830,000 | $ 207,000 | $ 94,000 |
| Lincoln County Louisiana | 4 | $ 410,000 | $ 102,000 | $ 56,000 |
| Webster County Louisiana | 4 | $ 620,000 | $ 155,000 | $ 0 |
| Atascosa County Texas | 4 | $ 660,000 | $ 165,000 | $ 0 |
| Franklin County Texas | 4 | $ 440,000 | $ 110,000 | $ 37,000 |
| Smith County Texas | 4 | $ 830,000 | $ 207,000 | $ 131,000 |
| Wood County Texas | 4 | $ 420,000 | $ 105,000 | $ 217,000 |
| Faulkner County Arkansas | 3 | $ 325,000 | $ 108,000 | $ 104,000 |
| Hot Spring County Arkansas | 3 | $ 965,000 | $ 321,000 | $ 140,000 |
| Johnson County Arkansas | 3 | $ 325,000 | $ 108,000 | $ 0 |
| Lafayette County Arkansas | 3 | $ 245,000 | $ 81,000 | $ 57,000 |
| Livingston County Louisiana | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Rapides County Louisiana | 3 | $ 415,000 | $ 138,000 | $ 0 |
| Tangipahoa County Louisiana | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Dallas County Texas | 3 | $ 725,000 | $ 241,000 | $ 112,000 |
| Marion County Texas | 3 | $ 235,000 | $ 78,000 | $ 81,000 |
| Rockwall County Texas | 3 | $ 735,000 | $ 245,000 | $ 194,000 |
| Ashley County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Montgomery County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 122,000 |
| Ouachita County Arkansas | 2 | $ 160,000 | $ 80,000 | $ 83,000 |
| Pike County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 97,000 |
| Stone County Arkansas | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Bay County Florida | 2 | $ 580,000 | $ 290,000 | $ 162,000 |
| Assumption County Louisiana | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Calcasieu County Louisiana | 2 | $ 240,000 | $ 120,000 | $ 0 |
| De Soto County Louisiana | 2 | $ 400,000 | $ 200,000 | $ 0 |
| East Feliciana County Louisiana | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Franklin County Louisiana | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Sabine County Louisiana | 2 | $ 300,000 | $ 150,000 | $ 0 |
| St. Charles County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Terrebonne County Louisiana | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Union County Louisiana | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Vernon County Louisiana | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Lee County Mississippi | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Marion County Mississippi | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Scott County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 53,000 |
| Bandera County Texas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Bexar County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Caldwell County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Cherokee County Texas | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Eastland County Texas | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Gregg County Texas | 2 | $ 2,640,000 | $ 1,320,000 | $ 0 |
| Hardin County Texas | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Henderson County Texas | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Hunt County Texas | 2 | $ 640,000 | $ 320,000 | $ 131,000 |
| Jones County Texas | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Lubbock County Texas | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Montgomery County Texas | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Orange County Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Panola County Texas | 2 | $ 190,000 | $ 95,000 | $ 69,000 |
| Bradley County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Clark County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Columbia County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Crawford County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dallas County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Drew County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Franklin County Arkansas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Garland County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Grant County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson County Arkansas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Polk County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Pope County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Van Buren County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| White County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Allen County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 200,000 |
| Ascension County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Beauregard County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cameron County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Concordia County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grant County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Iberia County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Iberville County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jackson County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Jefferson Davis County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| La Salle County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lafourche County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Madison County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Natchitoches County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| St. James County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| St. Landry County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. Mary County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| West Baton Rouge County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Adams County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bolivar County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Covington County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| George County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Greene County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jasper County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson Davis County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kemper County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lafayette County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lamar County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Montgomery County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Noxubee County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Panola County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Pontotoc County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Simpson County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Tate County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Tishomingo County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Warren County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| McCurtain County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Anderson County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Angelina County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bell County Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Blanco County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Brazoria County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Burleson County Texas | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Burnet County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Callahan County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Camp County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Colorado County Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Comal County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Delta County Texas | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Denton County Texas | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Donley County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Grayson County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hockley County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Houston County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jefferson County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Liberty County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Madison County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Montague County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Newton County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Reeves County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Robertson County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rusk County Texas | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| San Jacinto County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Scurry County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Shackelford County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Shelby County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Stephens County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Travis County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Upshur County Texas | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Uvalde County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 285,000 | $ 285,000 | $ 10,000 |
| Walker County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Waller County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Webb County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wilson County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Red River Employees Federal Credit Union in 2022
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 | 542 | $72,560,000 | $133,000 | $2,505,000 | $90,000 | $563,000 |
| Cash-out Refinancing | 131 | $16,195,000 | $123,000 | $475,000 | $81,000 | $862,000 |
| Refinancing | 85 | $10,935,000 | $128,000 | $655,000 | $72,000 | $211,000 |
| Other Purpose | 33 | $4,335,000 | $131,000 | $675,000 | $88,000 | $358,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| 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 | 383 | $49,315,000 | $128,000 | $675,000 | $88,000 | $563,000 |
| Not applicable | 220 | $33,520,000 | $152,000 | $2,505,000 | $0 | $0 |
| Black or African American | 111 | $12,465,000 | $112,000 | $475,000 | $80,000 | $862,000 |
| Hispanic | 36 | $3,430,000 | $95,000 | $475,000 | $82,000 | $290,000 |
| Not Provided | 32 | $4,210,000 | $131,000 | $345,000 | $83,000 | $200,000 |
| American Indian or Alaskan Native | 8 | $730,000 | $91,000 | $165,000 | $92,000 | $168,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $21,000 | $21,000 |
| 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) | 792 | $104,050,000 | $131,000 | $2,505,000 | $85,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 474 | $64,480,000 | $136,000 | $2,505,000 | $89,000 | $563,000 |
| Loan Purchased By The Institution | 180 | $24,540,000 | $136,000 | $265,000 | $0 | $0 |
| Application Denied By Financial Institution | 73 | $7,395,000 | $101,000 | $395,000 | $68,000 | $862,000 |
| Application Withdrawn By Applicant | 45 | $4,955,000 | $110,000 | $325,000 | $85,000 | $168,000 |
| File Closed For Incompleteness | 15 | $2,095,000 | $139,000 | $365,000 | $81,000 | $137,000 |
| Application Approved But Not Accepted | 5 | $585,000 | $117,000 | $285,000 | $96,000 | $164,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 719 | $96,655,000 | $134,000 | $2,505,000 | $88,000 | $563,000 |
| Credit History | 31 | $2,655,000 | $85,000 | $395,000 | $92,000 | $862,000 |
| Debt-To-Income Ratio | 28 | $3,590,000 | $128,000 | $325,000 | $46,000 | $90,000 |
| Employment History | 5 | $465,000 | $93,000 | $155,000 | $53,000 | $84,000 |
| Other | 5 | $505,000 | $101,000 | $225,000 | $78,000 | $125,000 |
| Collateral | 4 | $180,000 | $45,000 | $65,000 | $43,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2022 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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