Redstone Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Redstone Federal Credit Union 2021 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 | Redstone Federal Credit Union 220 Wynn Drive Huntsville, AL 35893 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 | 8,129 |
| Total Mortgage Loan Application Amount | $1,077,795,000 |
| Average Mortgage Loan Application Amount | $129,400 |
| Highest Mortgage Loan Application Amount | $3,625,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $2,688,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Redstone 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 Redstone Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Redstone 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 Redstone Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Redstone 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 Redstone Federal Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Alabama | 4,123 | $ 534,905,000 | $ 129,000 | $ 107,000 |
| Limestone County Alabama | 821 | $ 107,395,000 | $ 130,000 | $ 103,000 |
| Morgan County Alabama | 688 | $ 77,290,000 | $ 112,000 | $ 89,000 |
| Rutherford County Tennessee | 434 | $ 71,480,000 | $ 164,000 | $ 103,000 |
| Marshall County Alabama | 355 | $ 45,875,000 | $ 129,000 | $ 94,000 |
| Lincoln County Tennessee | 250 | $ 29,930,000 | $ 119,000 | $ 87,000 |
| Jackson County Alabama | 219 | $ 22,035,000 | $ 100,000 | $ 77,000 |
| Cullman County Alabama | 110 | $ 13,670,000 | $ 124,000 | $ 86,000 |
| Lawrence County Alabama | 74 | $ 8,450,000 | $ 114,000 | $ 79,000 |
| Davidson County Tennessee | 62 | $ 10,290,000 | $ 165,000 | $ 114,000 |
| Lauderdale County Alabama | 59 | $ 6,225,000 | $ 105,000 | $ 96,000 |
| DeKalb County Alabama | 58 | $ 7,500,000 | $ 129,000 | $ 76,000 |
| Jefferson County Alabama | 53 | $ 8,285,000 | $ 156,000 | $ 123,000 |
| Williamson County Tennessee | 40 | $ 8,350,000 | $ 208,000 | $ 197,000 |
| Giles County Tennessee | 39 | $ 6,575,000 | $ 168,000 | $ 100,000 |
| Coffee County Tennessee | 33 | $ 5,175,000 | $ 156,000 | $ 81,000 |
| Wilson County Tennessee | 29 | $ 4,535,000 | $ 156,000 | $ 112,000 |
| Blount County Alabama | 27 | $ 2,965,000 | $ 109,000 | $ 71,000 |
| Bedford County Tennessee | 27 | $ 4,055,000 | $ 150,000 | $ 60,000 |
| Maury County Tennessee | 27 | $ 3,855,000 | $ 142,000 | $ 104,000 |
| Etowah County Alabama | 26 | $ 3,600,000 | $ 138,000 | $ 83,000 |
| Franklin County Tennessee | 26 | $ 3,150,000 | $ 121,000 | $ 95,000 |
| Colbert County Alabama | 25 | $ 3,765,000 | $ 150,000 | $ 87,000 |
| Shelby County Alabama | 24 | $ 3,350,000 | $ 139,000 | $ 123,000 |
| Baldwin County Alabama | 16 | $ 3,450,000 | $ 215,000 | $ 121,000 |
| Marshall County Tennessee | 16 | $ 3,310,000 | $ 206,000 | $ 101,000 |
| Cannon County Tennessee | 15 | $ 1,765,000 | $ 117,000 | $ 71,000 |
| Hamilton County Tennessee | 14 | $ 2,920,000 | $ 208,000 | $ 97,000 |
| Montgomery County Tennessee | 14 | $ 2,070,000 | $ 147,000 | $ 121,000 |
| Calhoun County Alabama | 10 | $ 1,040,000 | $ 104,000 | $ 75,000 |
| Lee County Alabama | 10 | $ 2,070,000 | $ 207,000 | $ 169,000 |
| Winston County Alabama | 10 | $ 1,690,000 | $ 169,000 | $ 101,000 |
| Shelby County Tennessee | 10 | $ 1,410,000 | $ 141,000 | $ 103,000 |
| Montgomery County Alabama | 9 | $ 1,025,000 | $ 113,000 | $ 72,000 |
| Moore County Tennessee | 9 | $ 1,535,000 | $ 170,000 | $ 86,000 |
| St. Clair County Alabama | 8 | $ 1,100,000 | $ 137,000 | $ 101,000 |
| Mobile County Alabama | 7 | $ 1,055,000 | $ 150,000 | $ 110,000 |
| Cheatham County Tennessee | 7 | $ 465,000 | $ 66,000 | $ 124,000 |
| Cumberland County Tennessee | 7 | $ 1,295,000 | $ 185,000 | $ 90,000 |
| Sumner County Tennessee | 7 | $ 1,125,000 | $ 160,000 | $ 129,000 |
| Marion County Tennessee | 6 | $ 1,200,000 | $ 200,000 | $ 138,000 |
| Robertson County Tennessee | 6 | $ 500,000 | $ 83,000 | $ 90,000 |
| Tipton County Tennessee | 6 | $ 950,000 | $ 158,000 | $ 50,000 |
| Talladega County Alabama | 5 | $ 825,000 | $ 165,000 | $ 84,000 |
| Knox County Tennessee | 5 | $ 665,000 | $ 133,000 | $ 86,000 |
| Lawrence County Tennessee | 5 | $ 885,000 | $ 177,000 | $ 63,000 |
| Warren County Tennessee | 5 | $ 585,000 | $ 117,000 | $ 63,000 |
| Franklin County Alabama | 4 | $ 650,000 | $ 162,000 | $ 63,000 |
| Walker County Alabama | 4 | $ 630,000 | $ 157,000 | $ 70,000 |
| Cherokee County Alabama | 3 | $ 1,275,000 | $ 425,000 | $ 100,000 |
| Tuscaloosa County Alabama | 3 | $ 475,000 | $ 158,000 | $ 214,000 |
| DeKalb County Tennessee | 3 | $ 345,000 | $ 115,000 | $ 68,000 |
| Henry County Alabama | 2 | $ 640,000 | $ 320,000 | $ 42,000 |
| Houston County Alabama | 2 | $ 90,000 | $ 45,000 | $ 109,000 |
| Tallapoosa County Alabama | 2 | $ 220,000 | $ 110,000 | $ 68,000 |
| Harrison County Mississippi | 2 | $ 120,000 | $ 60,000 | $ 72,000 |
| Dickson County Tennessee | 2 | $ 500,000 | $ 250,000 | $ 117,000 |
| Grundy County Tennessee | 2 | $ 100,000 | $ 50,000 | $ 136,000 |
| Humphreys County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 53,000 |
| Johnson County Tennessee | 2 | $ 2,010,000 | $ 1,005,000 | $ 262,000 |
| Macon County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Putnam County Tennessee | 2 | $ 350,000 | $ 175,000 | $ 79,000 |
| Sevier County Tennessee | 2 | $ 640,000 | $ 320,000 | $ 168,000 |
| Chilton County Alabama | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Clay County Alabama | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Coffee County Alabama | 1 | $ 265,000 | $ 265,000 | $ 121,000 |
| Dale County Alabama | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Elmore County Alabama | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Escambia County Alabama | 1 | $ 225,000 | $ 225,000 | $ 148,000 |
| Fayette County Alabama | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Geneva County Alabama | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Randolph County Alabama | 1 | $ 135,000 | $ 135,000 | $ 236,000 |
| Clark County Indiana | 1 | $ 25,000 | $ 25,000 | $ 7,000 |
| Fleming County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Prince George's County Maryland | 1 | $ 55,000 | $ 55,000 | $ 139,000 |
| Wilson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Richland County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 170,000 |
| Benton County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Dyer County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Gibson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Hickman County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Monroe County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Roane County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Unicoi County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 144,000 |
| Weakley County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| White County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Bell County Texas | 1 | $ 45,000 | $ 45,000 | $ 900,000 |
Mortgage Loan Application Detail Totals for Redstone Federal Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,246 | $349,430,000 | $155,000 | $3,625,000 | $99,000 | $660,000 |
| Home Improvement | 2,088 | $123,300,000 | $59,000 | $505,000 | $109,000 | $1,800,000 |
| Home Purchase | 1,852 | $362,020,000 | $195,000 | $3,005,000 | $91,000 | $2,688,000 |
| Cash-out Refinancing | 1,065 | $189,405,000 | $177,000 | $635,000 | $97,000 | $594,000 |
| Other Purpose | 878 | $53,640,000 | $61,000 | $905,000 | $109,000 | $1,248,000 |
| 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 | 5,822 | $775,000,000 | $133,000 | $3,625,000 | $101,000 | $1,200,000 |
| Black or African American | 1,007 | $123,165,000 | $122,000 | $585,000 | $88,000 | $2,688,000 |
| Not Provided | 764 | $98,810,000 | $129,000 | $905,000 | $114,000 | $1,248,000 |
| Hispanic | 236 | $28,520,000 | $120,000 | $585,000 | $86,000 | $467,000 |
| American Indian or Alaskan Native | 125 | $14,365,000 | $114,000 | $565,000 | $97,000 | $421,000 |
| Asian | 113 | $21,865,000 | $193,000 | $3,005,000 | $124,000 | $1,800,000 |
| Not applicable | 24 | $9,380,000 | $390,000 | $2,605,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $995,000 | $110,000 | $295,000 | $104,000 | $255,000 |
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) | 8,062 | $1,058,360,000 | $131,000 | $3,005,000 | $100,000 | $2,688,000 |
| VA-guaranteed (Veterans Administration) | 67 | $19,435,000 | $290,000 | $3,625,000 | $112,000 | $318,000 |
| 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 |
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 | 4,799 | $641,505,000 | $133,000 | $2,605,000 | $107,000 | $705,000 |
| Application Denied By Financial Institution | 1,174 | $105,120,000 | $89,000 | $1,985,000 | $80,000 | $900,000 |
| Application Withdrawn By Applicant | 1,080 | $201,390,000 | $186,000 | $3,625,000 | $102,000 | $2,688,000 |
| File Closed For Incompleteness | 448 | $58,920,000 | $131,000 | $905,000 | $104,000 | $1,800,000 |
| Application Approved But Not Accepted | 402 | $30,220,000 | $75,000 | $435,000 | $103,000 | $1,248,000 |
| Preapproval Approved but not Accepted | 120 | $22,130,000 | $184,000 | $445,000 | $61,000 | $217,000 |
| Preapproval Denied by Financial Institution | 106 | $18,510,000 | $174,000 | $465,000 | $49,000 | $187,000 |
| Loan Purchased By The 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 | 6,849 | $954,165,000 | $139,000 | $3,625,000 | $105,000 | $2,688,000 |
| Credit History | 580 | $47,520,000 | $81,000 | $575,000 | $79,000 | $744,000 |
| Other | 348 | $32,800,000 | $94,000 | $1,985,000 | $81,000 | $900,000 |
| Debt-To-Income Ratio | 232 | $30,580,000 | $131,000 | $685,000 | $48,000 | $187,000 |
| Collateral | 103 | $10,085,000 | $97,000 | $655,000 | $121,000 | $421,000 |
| Employment History | 8 | $1,310,000 | $163,000 | $275,000 | $65,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $465,000 | $93,000 | $175,000 | $44,000 | $75,000 |
| Unverifiable Information | 4 | $870,000 | $217,000 | $575,000 | $59,000 | $119,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Redstone Federal Credit Union's 2021 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 Redstone 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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.