Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Radiant 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 | Radiant Credit Union 405 Se 2Nd Place Gainesville, FL 32601 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 | 819 |
| Total Mortgage Loan Application Amount | $76,255,000 |
| Average Mortgage Loan Application Amount | $90,800 |
| Highest Mortgage Loan Application Amount | $415,000 |
| Average Applicant Income | $88,200 |
| Highest Applicant Income | $813,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Radiant 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 Radiant 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 Radiant 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 Radiant Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Radiant 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 Radiant 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 |
|---|---|---|---|---|
| Alachua County Florida | 191 | $ 17,645,000 | $ 92,000 | $ 112,000 |
| Columbia County Florida | 34 | $ 2,680,000 | $ 78,000 | $ 84,000 |
| Levy County Florida | 28 | $ 2,380,000 | $ 85,000 | $ 65,000 |
| Dixie County Florida | 15 | $ 895,000 | $ 59,000 | $ 59,000 |
| Gilchrist County Florida | 15 | $ 795,000 | $ 53,000 | $ 70,000 |
| Marion County Florida | 10 | $ 670,000 | $ 67,000 | $ 95,000 |
| Putnam County Florida | 9 | $ 935,000 | $ 103,000 | $ 94,000 |
| Caddo County Louisiana | 5 | $ 385,000 | $ 77,000 | $ 81,000 |
| Livingston County Louisiana | 5 | $ 345,000 | $ 69,000 | $ 111,000 |
| Tuscaloosa County Alabama | 4 | $ 470,000 | $ 117,000 | $ 67,000 |
| Saline County Arkansas | 4 | $ 290,000 | $ 72,000 | $ 73,000 |
| Citrus County Florida | 4 | $ 440,000 | $ 110,000 | $ 93,000 |
| Clay County Florida | 4 | $ 240,000 | $ 60,000 | $ 74,000 |
| Madison County Florida | 4 | $ 530,000 | $ 132,000 | $ 99,000 |
| Manatee County Florida | 4 | $ 440,000 | $ 110,000 | $ 83,000 |
| Ascension County Louisiana | 4 | $ 490,000 | $ 122,000 | $ 81,000 |
| Oconee County South Carolina | 4 | $ 360,000 | $ 90,000 | $ 86,000 |
| Bexar County Texas | 4 | $ 390,000 | $ 97,000 | $ 71,000 |
| Ector County Texas | 4 | $ 420,000 | $ 105,000 | $ 72,000 |
| Montgomery County Texas | 4 | $ 350,000 | $ 87,000 | $ 57,000 |
| Jefferson County Alabama | 3 | $ 195,000 | $ 65,000 | $ 58,000 |
| Ashley County Arkansas | 3 | $ 245,000 | $ 81,000 | $ 32,000 |
| Faulkner County Arkansas | 3 | $ 205,000 | $ 68,000 | $ 75,000 |
| Garland County Arkansas | 3 | $ 345,000 | $ 115,000 | $ 303,000 |
| Bradford County Florida | 3 | $ 185,000 | $ 61,000 | $ 56,000 |
| Brevard County Florida | 3 | $ 525,000 | $ 175,000 | $ 334,000 |
| Lake County Florida | 3 | $ 205,000 | $ 68,000 | $ 72,000 |
| Suwannee County Florida | 3 | $ 255,000 | $ 85,000 | $ 82,000 |
| Wakulla County Florida | 3 | $ 335,000 | $ 111,000 | $ 46,000 |
| Bossier County Louisiana | 3 | $ 355,000 | $ 118,000 | $ 85,000 |
| Calcasieu County Louisiana | 3 | $ 215,000 | $ 71,000 | $ 59,000 |
| Grant County Louisiana | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| Winn County Louisiana | 3 | $ 265,000 | $ 88,000 | $ 182,000 |
| Lincoln County Mississippi | 3 | $ 295,000 | $ 98,000 | $ 72,000 |
| Cleveland County Oklahoma | 3 | $ 205,000 | $ 68,000 | $ 58,000 |
| Osage County Oklahoma | 3 | $ 275,000 | $ 91,000 | $ 124,000 |
| Hardin County Texas | 3 | $ 245,000 | $ 81,000 | $ 54,000 |
| Orange County Texas | 3 | $ 325,000 | $ 108,000 | $ 101,000 |
| Baldwin County Alabama | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Butler County Alabama | 2 | $ 120,000 | $ 60,000 | $ 75,000 |
| Cleburne County Alabama | 2 | $ 190,000 | $ 95,000 | $ 37,000 |
| Covington County Alabama | 2 | $ 200,000 | $ 100,000 | $ 65,000 |
| Elmore County Alabama | 2 | $ 230,000 | $ 115,000 | $ 101,000 |
| Shelby County Alabama | 2 | $ 300,000 | $ 150,000 | $ 112,000 |
| Walker County Alabama | 2 | $ 180,000 | $ 90,000 | $ 80,000 |
| Jefferson County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 44,000 |
| Lonoke County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Mississippi County Arkansas | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Pope County Arkansas | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Union County Arkansas | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| White County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 27,000 |
| Charlotte County Florida | 2 | $ 250,000 | $ 125,000 | $ 127,000 |
| Escambia County Florida | 2 | $ 160,000 | $ 80,000 | $ 69,000 |
| Gulf County Florida | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Hernando County Florida | 2 | $ 170,000 | $ 85,000 | $ 51,000 |
| Hillsborough County Florida | 2 | $ 140,000 | $ 70,000 | $ 79,000 |
| Lee County Florida | 2 | $ 190,000 | $ 95,000 | $ 69,000 |
| Orange County Florida | 2 | $ 130,000 | $ 65,000 | $ 108,000 |
| Pasco County Florida | 2 | $ 200,000 | $ 100,000 | $ 66,000 |
| Sarasota County Florida | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Seminole County Florida | 2 | $ 300,000 | $ 150,000 | $ 100,000 |
| St. Johns County Florida | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Union County Florida | 2 | $ 100,000 | $ 50,000 | $ 90,000 |
| Haralson County Georgia | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Mitchell County Georgia | 2 | $ 170,000 | $ 85,000 | $ 108,000 |
| Troup County Georgia | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Acadia County Louisiana | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| East Feliciana County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 96,000 |
| Lafayette County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 89,000 |
| Morehouse County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 98,000 |
| Ouachita County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 63,000 |
| St. Landry County Louisiana | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| Terrebonne County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 127,000 |
| Vermilion County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 37,000 |
| Clay County Mississippi | 2 | $ 190,000 | $ 95,000 | $ 84,000 |
| Itawamba County Mississippi | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Jackson County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Lauderdale County Mississippi | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Perry County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Rankin County Mississippi | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Wayne County Mississippi | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Chaves County New Mexico | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Haywood County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 61,000 |
| Robeson County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 78,000 |
| Creek County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 101,000 |
| Grady County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Tulsa County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 92,000 |
| Lancaster County South Carolina | 2 | $ 210,000 | $ 105,000 | $ 66,000 |
| Marlboro County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 42,000 |
| McMinn County Tennessee | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Brazos County Texas | 2 | $ 240,000 | $ 120,000 | $ 82,000 |
| Comal County Texas | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Gaines County Texas | 2 | $ 230,000 | $ 115,000 | $ 124,000 |
| Henderson County Texas | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Parker County Texas | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Sabine County Texas | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Walker County Texas | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Ward County Texas | 2 | $ 310,000 | $ 155,000 | $ 98,000 |
| Bibb County Alabama | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Cherokee County Alabama | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Chilton County Alabama | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Coffee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Dale County Alabama | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Greene County Alabama | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Henry County Alabama | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Marengo County Alabama | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Morgan County Alabama | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Benton County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| Boone County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Bradley County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Cleburne County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Columbia County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Crawford County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 105,000 |
| Cross County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Desha County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Franklin County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Hempstead County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Hot Spring County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Jackson County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Lincoln County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Miller County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 128,000 |
| Phillips County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Sharp County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Van Buren County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Washington County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Baker County Florida | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Bay County Florida | 1 | $ 125,000 | $ 125,000 | $ 113,000 |
| DeSoto County Florida | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Duval County Florida | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Hamilton County Florida | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Hardee County Florida | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Jackson County Florida | 1 | $ 95,000 | $ 95,000 | $ 196,000 |
| Lafayette County Florida | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Martin County Florida | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Monroe County Florida | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Sumter County Florida | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Taylor County Florida | 1 | $ 115,000 | $ 115,000 | $ 74,000 |
| Walton County Florida | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Barrow County Georgia | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Bartow County Georgia | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Brantley County Georgia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Bulloch County Georgia | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Calhoun County Georgia | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Charlton County Georgia | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Crisp County Georgia | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Decatur County Georgia | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Dodge County Georgia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Effingham County Georgia | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Elbert County Georgia | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Floyd County Georgia | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Hancock County Georgia | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Jeff Davis County Georgia | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Lamar County Georgia | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Lanier County Georgia | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Laurens County Georgia | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Madison County Georgia | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Murray County Georgia | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Pickens County Georgia | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Putnam County Georgia | 1 | $ 95,000 | $ 95,000 | $ 252,000 |
| Schley County Georgia | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Terrell County Georgia | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Upson County Georgia | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Wilcox County Georgia | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Avoyelles County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Beauregard County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Caldwell County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 92,000 |
| Cameron County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Concordia County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| De Soto County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| East Baton Rouge County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Jefferson Davis County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| La Salle County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Lafourche County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Lincoln County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Madison County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Pointe Coupee County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| St. Charles County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| St. Helena County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| St. Martin County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| St. Mary County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Tangipahoa County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Vernon County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Webster County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| West Baton Rouge County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| West Carroll County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| West Feliciana County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| Benton County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Bolivar County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Clarke County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 93,000 |
| Covington County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Forrest County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| George County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Greene County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Harrison County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Jasper County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Jones County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Lamar County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Leake County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Lee County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Newton County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Noxubee County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Oktibbeha County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 179,000 |
| Pike County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Pontotoc County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Scott County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Simpson County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Stone County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Tate County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Dona Ana County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Grant County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| McKinley County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Anson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Bladen County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Carteret County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 118,000 |
| Martin County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Adair County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Beckham County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Caddo County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Delaware County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Garvin County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Latimer County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| Love County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Pittsburg County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Wagoner County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 149,000 |
| Abbeville County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Berkeley County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Chesterfield County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Colleton County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Dorchester County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Hampton County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Spartanburg County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Dickson County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Grundy County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Hancock County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Hardeman County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Lawrence County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Lincoln County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Loudon County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Rhea County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Roane County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Robertson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Rutherford County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| Smith County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Sumner County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Williamson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Andrews County Texas | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Angelina County Texas | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Aransas County Texas | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Atascosa County Texas | 1 | $ 135,000 | $ 135,000 | $ 317,000 |
| Bandera County Texas | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Bowie County Texas | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Brazoria County Texas | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Caldwell County Texas | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| Cass County Texas | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Coke County Texas | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Collin County Texas | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Comanche County Texas | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Dallas County Texas | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Deaf Smith County Texas | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
| Fannin County Texas | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Frio County Texas | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Grayson County Texas | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Hidalgo County Texas | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Hockley County Texas | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Hood County Texas | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Hunt County Texas | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Hutchinson County Texas | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Johnson County Texas | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Kaufman County Texas | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Kerr County Texas | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| La Salle County Texas | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Lee County Texas | 1 | $ 115,000 | $ 115,000 | $ 152,000 |
| Liberty County Texas | 1 | $ 105,000 | $ 105,000 | $ 182,000 |
| Lubbock County Texas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Madison County Texas | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Marion County Texas | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| McLennan County Texas | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Morris County Texas | 1 | $ 85,000 | $ 85,000 | $ 89,000 |
| Newton County Texas | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Nueces County Texas | 1 | $ 115,000 | $ 115,000 | $ 245,000 |
| Randall County Texas | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Red River County Texas | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Rusk County Texas | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| San Augustine County Texas | 1 | $ 115,000 | $ 115,000 | $ 238,000 |
| San Patricio County Texas | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Shelby County Texas | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Smith County Texas | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Taylor County Texas | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Terry County Texas | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Waller County Texas | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Washington County Texas | 1 | $ 125,000 | $ 125,000 | $ 234,000 |
| Wichita County Texas | 1 | $ 95,000 | $ 95,000 | $ 135,000 |
| Cache County Utah | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Radiant 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 | 536 | $54,010,000 | $100,000 | $395,000 | $81,000 | $813,000 |
| Other Purpose | 109 | $7,175,000 | $65,000 | $325,000 | $97,000 | $694,000 |
| Home Improvement | 89 | $5,125,000 | $57,000 | $205,000 | $97,000 | $789,000 |
| Refinancing | 47 | $5,695,000 | $121,000 | $415,000 | $77,000 | $293,000 |
| Cash-out Refinancing | 38 | $4,250,000 | $111,000 | $305,000 | $89,000 | $302,000 |
| 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 | 654 | $60,810,000 | $92,000 | $415,000 | $85,000 | $789,000 |
| Black or African American | 62 | $4,760,000 | $76,000 | $205,000 | $60,000 | $157,000 |
| Hispanic | 51 | $4,755,000 | $93,000 | $325,000 | $79,000 | $226,000 |
| Not Provided | 28 | $3,070,000 | $109,000 | $395,000 | $101,000 | $813,000 |
| American Indian or Alaskan Native | 9 | $735,000 | $81,000 | $135,000 | $66,000 | $99,000 |
| Asian | 7 | $765,000 | $109,000 | $195,000 | $92,000 | $197,000 |
| Not applicable | 6 | $1,180,000 | $196,000 | $295,000 | $531,000 | $694,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $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) | 819 | $76,255,000 | $93,000 | $415,000 | $85,000 | $813,000 |
| 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 | 408 | $35,880,000 | $87,000 | $415,000 | $97,000 | $813,000 |
| Application Approved But Not Accepted | 278 | $28,210,000 | $101,000 | $305,000 | $75,000 | $317,000 |
| Application Denied By Financial Institution | 128 | $11,510,000 | $89,000 | $315,000 | $68,000 | $454,000 |
| Application Withdrawn By Applicant | 5 | $655,000 | $131,000 | $275,000 | $72,000 | $108,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 691 | $64,745,000 | $93,000 | $415,000 | $88,000 | $813,000 |
| Credit History | 57 | $4,545,000 | $79,000 | $245,000 | $66,000 | $454,000 |
| Debt-To-Income Ratio | 45 | $4,085,000 | $90,000 | $265,000 | $67,000 | $197,000 |
| Collateral | 13 | $1,385,000 | $106,000 | $255,000 | $74,000 | $131,000 |
| Unverifiable Information | 7 | $815,000 | $116,000 | $225,000 | $71,000 | $130,000 |
| Credit Application Incomplete | 2 | $340,000 | $170,000 | $315,000 | $128,000 | $156,000 |
| Other | 2 | $210,000 | $105,000 | $155,000 | $58,000 | $89,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Radiant 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 Radiant 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 Florida, download the full spreadsheet
with aggregated HMDA statistics today.