Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Radiant Credit Union 2020 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 | 572 |
| Total Mortgage Loan Application Amount | $59,680,000 |
| Average Mortgage Loan Application Amount | $107,800 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $114,600 |
| Highest Applicant Income | $1,522,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 205 | $ 24,845,000 | $ 121,000 | $ 131,000 |
| Columbia County Florida | 35 | $ 3,085,000 | $ 88,000 | $ 88,000 |
| Levy County Florida | 34 | $ 3,170,000 | $ 93,000 | $ 84,000 |
| Dixie County Florida | 16 | $ 1,550,000 | $ 96,000 | $ 101,000 |
| Gilchrist County Florida | 10 | $ 760,000 | $ 76,000 | $ 60,000 |
| Marion County Florida | 10 | $ 920,000 | $ 92,000 | $ 100,000 |
| Suwannee County Florida | 9 | $ 725,000 | $ 80,000 | $ 76,000 |
| Putnam County Florida | 8 | $ 400,000 | $ 50,000 | $ 63,000 |
| Clay County Florida | 7 | $ 1,105,000 | $ 157,000 | $ 96,000 |
| Lake County Florida | 4 | $ 430,000 | $ 107,000 | $ 116,000 |
| Bossier County Louisiana | 4 | $ 380,000 | $ 95,000 | $ 0 |
| Rogers County Oklahoma | 4 | $ 230,000 | $ 57,000 | $ 0 |
| Tuscaloosa County Alabama | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Citrus County Florida | 3 | $ 365,000 | $ 121,000 | $ 262,000 |
| Panola County Mississippi | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Smith County Texas | 3 | $ 295,000 | $ 98,000 | $ 0 |
| Jefferson County Arkansas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Lonoke County Arkansas | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Union County Arkansas | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Woodruff County Arkansas | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Bradford County Florida | 2 | $ 80,000 | $ 40,000 | $ 54,000 |
| Collier County Florida | 2 | $ 70,000 | $ 35,000 | $ 60,000 |
| Hamilton County Florida | 2 | $ 270,000 | $ 135,000 | $ 47,000 |
| Indian River County Florida | 2 | $ 80,000 | $ 40,000 | $ 95,000 |
| Manatee County Florida | 2 | $ 90,000 | $ 45,000 | $ 50,000 |
| Orange County Florida | 2 | $ 150,000 | $ 75,000 | $ 102,000 |
| Sarasota County Florida | 2 | $ 850,000 | $ 425,000 | $ 186,000 |
| Union County Florida | 2 | $ 140,000 | $ 70,000 | $ 75,000 |
| Crisp County Georgia | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Cameron County Louisiana | 2 | $ 130,000 | $ 65,000 | $ 0 |
| De Soto County Louisiana | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Harrison County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Noxubee County Mississippi | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Prentiss County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Union County Mississippi | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Winston County Mississippi | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Robeson County North Carolina | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Sequoyah County Oklahoma | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Aiken County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Henderson County Texas | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Hopkins County Texas | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Orange County Texas | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Van Zandt County Texas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Autauga County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Blount County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Chilton County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Clay County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cleburne County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cullman County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Elmore County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Greene County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Houston County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Perry County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickens County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Ashley County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clark County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Crawford County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Faulkner County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Independence County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lee County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Miller County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mississippi County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Francis County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| White County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Escambia County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hernando County Florida | 1 | $ 45,000 | $ 45,000 | $ 129,000 |
| Jackson County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Leon County Florida | 1 | $ 95,000 | $ 95,000 | $ 154,000 |
| Liberty County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pinellas County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Polk County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| St. Johns County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Volusia County Florida | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Appling County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Camden County Georgia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Coffee County Georgia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Crawford County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Haralson County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Houston County Georgia | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Polk County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Stewart County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Caldwell County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Franklin County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Ouachita County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Plaquemines County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Red River County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| St. Martin County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Terrebonne County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Vernon County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| West Baton Rouge County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Adams County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Bolivar County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Carroll County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Claiborne County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clarke County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Forrest County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Itawamba County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jefferson Davis County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Jones County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lamar County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lee County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Montgomery County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Oktibbeha County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Perry County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tishomingo County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Walthall County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wayne County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Yalobusha County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Bertie County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Craven County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Moore County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gallia County Ohio | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Caddo County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Canadian County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Johnston County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lincoln County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Mayes County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pawnee County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pontotoc County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pottawatomie County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Calhoun County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Chesterfield County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Horry County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kershaw County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Orangeburg County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Sequatchie County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Andrews County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Angelina County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bexar County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bowie County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Brazoria County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Chambers County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Collin County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| El Paso County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hardin County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Houston County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Leon County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Liberty County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Matagorda County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Medina County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Midland County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Montgomery County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Navarro County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Polk County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rusk County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Terry County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Travis County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Victoria County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wichita County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Cache County Utah | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Radiant Credit Union in 2020
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 | 249 | $27,005,000 | $108,000 | $585,000 | $138,000 | $1,522,000 |
| Other Purpose | 96 | $6,500,000 | $67,000 | $255,000 | $91,000 | $717,000 |
| Home Improvement | 90 | $5,330,000 | $59,000 | $255,000 | $99,000 | $439,000 |
| Cash-out Refinancing | 84 | $12,480,000 | $148,000 | $505,000 | $86,000 | $344,000 |
| Refinancing | 53 | $8,365,000 | $157,000 | $485,000 | $159,000 | $844,000 |
| 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 | 280 | $29,320,000 | $104,000 | $505,000 | $98,000 | $717,000 |
| Not applicable | 200 | $20,240,000 | $101,000 | $585,000 | $423,000 | $1,522,000 |
| Not Provided | 43 | $4,455,000 | $103,000 | $505,000 | $102,000 | $544,000 |
| Black or African American | 34 | $3,840,000 | $112,000 | $415,000 | $74,000 | $177,000 |
| Hispanic | 11 | $1,135,000 | $103,000 | $225,000 | $111,000 | $181,000 |
| Asian | 2 | $140,000 | $70,000 | $85,000 | $54,000 | $75,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 572 | $59,680,000 | $104,000 | $585,000 | $109,000 | $1,522,000 |
| 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 Purchased By The Institution | 185 | $17,115,000 | $92,000 | $195,000 | $0 | $0 |
| Loan Originated | 173 | $19,585,000 | $113,000 | $585,000 | $138,000 | $1,522,000 |
| Application Denied By Financial Institution | 165 | $17,245,000 | $104,000 | $505,000 | $80,000 | $420,000 |
| Application Approved But Not Accepted | 47 | $5,305,000 | $112,000 | $345,000 | $103,000 | $484,000 |
| Application Withdrawn By Applicant | 2 | $430,000 | $215,000 | $325,000 | $58,000 | $58,000 |
| File Closed For Incompleteness | 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 | 407 | $42,435,000 | $104,000 | $585,000 | $130,000 | $1,522,000 |
| Credit History | 67 | $5,925,000 | $88,000 | $345,000 | $74,000 | $420,000 |
| Debt-To-Income Ratio | 44 | $4,700,000 | $106,000 | $325,000 | $61,000 | $226,000 |
| Collateral | 23 | $2,215,000 | $96,000 | $385,000 | $86,000 | $144,000 |
| Unverifiable Information | 20 | $3,040,000 | $152,000 | $505,000 | $113,000 | $258,000 |
| Other | 8 | $630,000 | $78,000 | $255,000 | $104,000 | $303,000 |
| Employment History | 3 | $735,000 | $245,000 | $505,000 | $135,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Radiant Credit Union's 2020 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.
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with aggregated HMDA statistics today.