Red River Employees Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Red River Employees Federal Credit Union 2023 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 | 474 |
| Total Mortgage Loan Application Amount | $63,180,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $93,750 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 142 | $ 17,950,000 | $ 126,000 | $ 91,000 |
| Miller County Arkansas | 54 | $ 6,100,000 | $ 112,000 | $ 89,000 |
| Cass County Texas | 23 | $ 2,795,000 | $ 121,000 | $ 97,000 |
| Caddo County Louisiana | 15 | $ 2,605,000 | $ 173,000 | $ 60,000 |
| Hempstead County Arkansas | 13 | $ 1,515,000 | $ 116,000 | $ 90,000 |
| Lamar County Texas | 11 | $ 1,395,000 | $ 126,000 | $ 110,000 |
| Howard County Arkansas | 9 | $ 805,000 | $ 89,000 | $ 85,000 |
| Little River County Arkansas | 8 | $ 740,000 | $ 92,000 | $ 82,000 |
| Bossier County Louisiana | 7 | $ 1,175,000 | $ 167,000 | $ 109,000 |
| Harrison County Texas | 6 | $ 1,070,000 | $ 178,000 | $ 73,000 |
| Nevada County Arkansas | 5 | $ 455,000 | $ 91,000 | $ 49,000 |
| Wood County Texas | 5 | $ 675,000 | $ 135,000 | $ 114,000 |
| Benton County Arkansas | 4 | $ 1,130,000 | $ 282,000 | $ 169,000 |
| Sevier County Arkansas | 4 | $ 370,000 | $ 92,000 | $ 81,000 |
| Coahoma County Mississippi | 4 | $ 260,000 | $ 65,000 | $ 50,000 |
| Jones County Mississippi | 4 | $ 720,000 | $ 180,000 | $ 0 |
| Hays County Texas | 4 | $ 510,000 | $ 127,000 | $ 0 |
| Titus County Texas | 4 | $ 700,000 | $ 175,000 | $ 183,000 |
| Boone County Arkansas | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Pope County Arkansas | 3 | $ 185,000 | $ 61,000 | $ 0 |
| Morehouse County Louisiana | 3 | $ 215,000 | $ 71,000 | $ 45,000 |
| Denton County Texas | 3 | $ 515,000 | $ 171,000 | $ 69,000 |
| Hopkins County Texas | 3 | $ 425,000 | $ 141,000 | $ 135,000 |
| Hunt County Texas | 3 | $ 835,000 | $ 278,000 | $ 159,000 |
| Cleburne County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Columbia County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Garland County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| Greene County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Lafayette County Arkansas | 2 | $ 160,000 | $ 80,000 | $ 30,000 |
| Madison County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Monroe County Arkansas | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Pike County Arkansas | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Polk County Arkansas | 2 | $ 280,000 | $ 140,000 | $ 213,000 |
| Saline County Arkansas | 2 | $ 250,000 | $ 125,000 | $ 43,000 |
| Union County Arkansas | 2 | $ 190,000 | $ 95,000 | $ 26,000 |
| Lincoln County Louisiana | 2 | $ 260,000 | $ 130,000 | $ 42,000 |
| Monroe County Mississippi | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Tallahatchie County Mississippi | 2 | $ 50,000 | $ 25,000 | $ 30,000 |
| Choctaw County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 100,000 |
| Atascosa County Texas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Bexar County Texas | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Burleson County Texas | 2 | $ 290,000 | $ 145,000 | $ 68,000 |
| Harris County Texas | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Marion County Texas | 2 | $ 100,000 | $ 50,000 | $ 91,000 |
| Montgomery County Texas | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Polk County Texas | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Rains County Texas | 2 | $ 340,000 | $ 170,000 | $ 108,000 |
| Red River County Texas | 2 | $ 240,000 | $ 120,000 | $ 88,000 |
| Victoria County Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Arkansas County Arkansas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Bradley County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Carroll County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Clark County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cleveland County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Crawford County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Drew County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Franklin County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fulton County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grant County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Johnson County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lincoln County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Ouachita County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Poinsett County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Searcy County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sebastian County Arkansas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| White County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Acadia County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Ascension County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| De Soto County Louisiana | 1 | $ 325,000 | $ 325,000 | $ 113,000 |
| Franklin County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grant County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Iberville County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Ouachita County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Sabine County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Webster County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| George County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jackson County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Jasper County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lauderdale County Mississippi | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Madison County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Marion County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Newton County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Panola County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Pearl River County Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Pike County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pontotoc County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Quitman County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Tate County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Wayne County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 190,000 |
| Bandera County Texas | 1 | $ 455,000 | $ 455,000 | $ 175,000 |
| Caldwell County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Chambers County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cherokee County Texas | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Clay County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Collin County Texas | 1 | $ 215,000 | $ 215,000 | $ 178,000 |
| Colorado County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Delta County Texas | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| El Paso County Texas | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Ellis County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fannin County Texas | 1 | $ 495,000 | $ 495,000 | $ 147,000 |
| Franklin County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Grayson County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Gregg County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grimes County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hardin County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Henderson County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Johnson County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Kimble County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lee County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Medina County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Midland County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Navarro County Texas | 1 | $ 105,000 | $ 105,000 | $ 600,000 |
| Ochiltree County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Orange County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Parker County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Rusk County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| San Augustine County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| San Patricio County Texas | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Shelby County Texas | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Smith County Texas | 1 | $ 275,000 | $ 275,000 | $ 175,000 |
| Tarrant County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Taylor County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Terry County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Walker County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Wharton County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Williamson County Texas | 1 | $ 255,000 | $ 255,000 | $ 0 |
Mortgage Loan Application Detail Totals for Red River Employees Federal Credit Union in 2023
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 | 310 | $44,680,000 | $144,000 | $455,000 | $95,000 | $453,000 |
| Cash-out Refinancing | 80 | $6,470,000 | $80,000 | $295,000 | $80,000 | $600,000 |
| Other Purpose | 53 | $6,185,000 | $116,000 | $515,000 | $101,000 | $600,000 |
| Refinancing | 31 | $5,845,000 | $188,000 | $1,045,000 | $99,000 | $391,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 194 | $26,320,000 | $135,000 | $515,000 | $102,000 | $600,000 |
| Not applicable | 155 | $22,355,000 | $144,000 | $1,045,000 | $0 | $0 |
| Black or African American | 56 | $6,280,000 | $112,000 | $395,000 | $73,000 | $188,000 |
| Not Provided | 33 | $3,905,000 | $118,000 | $325,000 | $87,000 | $313,000 |
| Hispanic | 26 | $2,950,000 | $113,000 | $405,000 | $85,000 | $183,000 |
| American Indian or Alaskan Native | 6 | $630,000 | $105,000 | $205,000 | $69,000 | $168,000 |
| Asian | 4 | $740,000 | $185,000 | $255,000 | $81,000 | $101,000 |
| 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) | 471 | $62,735,000 | $133,000 | $1,045,000 | $93,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $445,000 | $148,000 | $265,000 | $96,000 | $178,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 272 | $37,690,000 | $138,000 | $1,045,000 | $101,000 | $600,000 |
| Loan Purchased By The Institution | 119 | $16,895,000 | $141,000 | $285,000 | $0 | $0 |
| Application Denied By Financial Institution | 56 | $5,510,000 | $98,000 | $515,000 | $61,000 | $600,000 |
| Application Withdrawn By Applicant | 24 | $2,880,000 | $120,000 | $325,000 | $87,000 | $177,000 |
| File Closed For Incompleteness | 3 | $205,000 | $68,000 | $85,000 | $47,000 | $78,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 418 | $57,670,000 | $137,000 | $1,045,000 | $99,000 | $600,000 |
| Debt-To-Income Ratio | 28 | $3,320,000 | $118,000 | $515,000 | $47,000 | $178,000 |
| Credit History | 20 | $1,370,000 | $68,000 | $155,000 | $84,000 | $600,000 |
| Collateral | 3 | $205,000 | $68,000 | $115,000 | $43,000 | $44,000 |
| Other | 2 | $130,000 | $65,000 | $85,000 | $34,000 | $52,000 |
| Employment History | 2 | $190,000 | $95,000 | $125,000 | $38,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $295,000 | $295,000 | $295,000 | $141,000 | $141,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Red River Employees Federal Credit Union's 2023 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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