Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Radiant 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 | 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 | 950 |
| Total Mortgage Loan Application Amount | $129,180,000 |
| Average Mortgage Loan Application Amount | $170,400 |
| Highest Mortgage Loan Application Amount | $15,745,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $8,437,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 308 | $ 54,270,000 | $ 176,000 | $ 126,000 |
| Columbia County Florida | 62 | $ 6,230,000 | $ 100,000 | $ 91,000 |
| Levy County Florida | 46 | $ 3,770,000 | $ 81,000 | $ 72,000 |
| Gilchrist County Florida | 32 | $ 3,340,000 | $ 104,000 | $ 360,000 |
| Marion County Florida | 29 | $ 3,115,000 | $ 107,000 | $ 113,000 |
| Dixie County Florida | 19 | $ 1,595,000 | $ 83,000 | $ 68,000 |
| Putnam County Florida | 13 | $ 1,525,000 | $ 117,000 | $ 74,000 |
| Suwannee County Florida | 13 | $ 1,035,000 | $ 79,000 | $ 90,000 |
| Clay County Florida | 10 | $ 600,000 | $ 60,000 | $ 89,000 |
| Duval County Florida | 8 | $ 740,000 | $ 92,000 | $ 102,000 |
| Horry County South Carolina | 8 | $ 1,000,000 | $ 125,000 | $ 0 |
| Union County Florida | 7 | $ 805,000 | $ 115,000 | $ 86,000 |
| Tuscaloosa County Alabama | 6 | $ 720,000 | $ 120,000 | $ 0 |
| Pasco County Florida | 5 | $ 525,000 | $ 105,000 | $ 83,000 |
| Marshall County Mississippi | 5 | $ 715,000 | $ 143,000 | $ 0 |
| Autauga County Alabama | 4 | $ 530,000 | $ 132,000 | $ 0 |
| Citrus County Florida | 4 | $ 340,000 | $ 85,000 | $ 147,000 |
| Hamilton County Florida | 4 | $ 430,000 | $ 107,000 | $ 123,000 |
| St. Johns County Florida | 4 | $ 1,050,000 | $ 262,000 | $ 354,000 |
| Lee County Alabama | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Bradford County Florida | 3 | $ 305,000 | $ 101,000 | $ 111,000 |
| Brevard County Florida | 3 | $ 565,000 | $ 188,000 | $ 106,000 |
| Lake County Florida | 3 | $ 455,000 | $ 151,000 | $ 198,000 |
| Manatee County Florida | 3 | $ 285,000 | $ 95,000 | $ 87,000 |
| Orange County Florida | 3 | $ 395,000 | $ 131,000 | $ 145,000 |
| Volusia County Florida | 3 | $ 615,000 | $ 205,000 | $ 53,000 |
| Natchitoches County Louisiana | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Rapides County Louisiana | 3 | $ 425,000 | $ 141,000 | $ 0 |
| Terrebonne County Louisiana | 3 | $ 215,000 | $ 71,000 | $ 0 |
| Livingston County Michigan | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Monroe County Mississippi | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Johnson County Missouri | 3 | $ 415,000 | $ 138,000 | $ 0 |
| Denton County Texas | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Bibb County Alabama | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Blount County Alabama | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Chilton County Alabama | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Coffee County Alabama | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Cullman County Alabama | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Elmore County Alabama | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Morgan County Alabama | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Walker County Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Grant County Arkansas | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Miller County Arkansas | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Seminole County Florida | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| Taylor County Florida | 2 | $ 300,000 | $ 150,000 | $ 72,000 |
| Allen County Louisiana | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Ascension County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Claiborne County Louisiana | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Lafayette County Louisiana | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Livingston County Louisiana | 2 | $ 240,000 | $ 120,000 | $ 0 |
| St. Martin County Louisiana | 2 | $ 230,000 | $ 115,000 | $ 0 |
| West Baton Rouge County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Winn County Louisiana | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Eaton County Michigan | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Jackson County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Jasper County Mississippi | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Saratoga County New York | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Crawford County Ohio | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Berkeley County South Carolina | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Darlington County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Angelina County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Atascosa County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Bexar County Texas | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Fannin County Texas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Hardin County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Harrison County Texas | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Jasper County Texas | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Montgomery County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Sabine County Texas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Travis County Texas | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Wise County Texas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Wood County Texas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Kenosha County Wisconsin | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Chambers County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clay County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Dale County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Etowah County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Greene County Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Houston County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Madison County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Mobile County Alabama | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Shelby County Alabama | 1 | $ 225,000 | $ 225,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Talladega County Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tallapoosa County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Winston County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bradley County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cleburne County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Dallas County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Little River County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Montgomery County Arkansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Pope County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sevier County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Washington County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Garfield County Colorado | 1 | $ 135,000 | $ 135,000 | $ 0 |
| New London County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Baker County Florida | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Bay County Florida | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Charlotte County Florida | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Collier County Florida | 1 | $ 205,000 | $ 205,000 | $ 396,000 |
| DeSoto County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Flagler County Florida | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Gadsden County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Gulf County Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hendry County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Hernando County Florida | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Hillsborough County Florida | 1 | $ 25,000 | $ 25,000 | $ 172,000 |
| Lafayette County Florida | 1 | $ 75,000 | $ 75,000 | $ 201,000 |
| Madison County Florida | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Palm Beach County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Sumter County Florida | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Walton County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Washington County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Appling County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Atkinson County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bartow County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Brooks County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Carroll County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Floyd County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Franklin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Haralson County Georgia | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hart County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Henry County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jasper County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jeff Davis County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Mitchell County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pierce County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Putnam County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Screven County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Thomas County Georgia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Toombs County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Union County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ware County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| White County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Worth County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Ada County Idaho | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bullitt County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Kenton County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Assumption County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Avoyelles County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beauregard County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| De Soto County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Iberia County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Iberville County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lafourche County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lincoln County Louisiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Ouachita County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Richland County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Sabine County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Vernon County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Webster County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Howard County Maryland | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Barry County Michigan | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Charlevoix County Michigan | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Genesee County Michigan | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Ingham County Michigan | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Ionia County Michigan | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Macomb County Michigan | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cass County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| St. Louis County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wabasha County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Claiborne County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Greene County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Oktibbeha County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pearl River County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pike County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Sharkey County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Smith County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Tishomingo County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Wilkinson County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Boone County Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jefferson County Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lincoln County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Linn County Missouri | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Newton County Missouri | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Buffalo County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Erie County New York | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Franklin County New York | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Monroe County New York | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Niagara County New York | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Oneida County New York | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Ontario County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Otsego County New York | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Sullivan County New York | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Ulster County New York | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pamlico County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Wayne County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greene County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Choctaw County Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Marshall County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mayes County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Muskogee County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pittsburg County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pontotoc County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Seminole County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Centre County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| York County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Clarendon County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Marion County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Orangeburg County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Saluda County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Jefferson County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Knox County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Anderson County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bandera County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Brazos County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Burnet County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cass County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Colorado County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ector County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| El Paso County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Ellis County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Erath County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Gillespie County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Grayson County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Gregg County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Harris County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hays County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Henderson County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hood County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Johnson County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lamar County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Liberty County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Limestone County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Martin County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Midland County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Mills County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Orange County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Polk County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Runnels County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rusk County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| San Augustine County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| San Patricio County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Shelby County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tarrant County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Upton County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Waller County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| Jefferson County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Croix County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 0 |
Mortgage Loan Application Detail Totals for Radiant 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 | 410 | $58,000,000 | $141,000 | $1,505,000 | $95,000 | $827,000 |
| Home Improvement | 235 | $18,635,000 | $79,000 | $405,000 | $107,000 | $960,000 |
| Other Purpose | 163 | $14,195,000 | $87,000 | $455,000 | $100,000 | $901,000 |
| Cash-out Refinancing | 73 | $12,145,000 | $166,000 | $605,000 | $252,000 | $8,437,000 |
| Refinancing | 69 | $26,205,000 | $379,000 | $15,745,000 | $116,000 | $818,000 |
| 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 | 444 | $52,230,000 | $117,000 | $625,000 | $133,000 | $8,437,000 |
| Not applicable | 330 | $57,540,000 | $174,000 | $15,745,000 | $250,000 | $363,000 |
| Not Provided | 73 | $8,235,000 | $112,000 | $505,000 | $96,000 | $241,000 |
| Black or African American | 53 | $5,485,000 | $103,000 | $455,000 | $68,000 | $303,000 |
| Hispanic | 35 | $3,625,000 | $103,000 | $435,000 | $88,000 | $187,000 |
| Asian | 10 | $1,680,000 | $168,000 | $365,000 | $136,000 | $373,000 |
| American Indian or Alaskan Native | 3 | $225,000 | $75,000 | $95,000 | $95,000 | $138,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $120,000 | $120,000 |
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) | 950 | $129,180,000 | $135,000 | $15,745,000 | $121,000 | $8,437,000 |
| 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 | 316 | $36,690,000 | $116,000 | $405,000 | $0 | $0 |
| Loan Originated | 302 | $52,640,000 | $174,000 | $15,745,000 | $159,000 | $8,437,000 |
| Application Denied By Financial Institution | 254 | $28,560,000 | $112,000 | $455,000 | $80,000 | $960,000 |
| Application Approved But Not Accepted | 74 | $10,790,000 | $145,000 | $755,000 | $105,000 | $827,000 |
| Application Withdrawn By Applicant | 4 | $500,000 | $125,000 | $305,000 | $92,000 | $164,000 |
| 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 | 696 | $100,620,000 | $144,000 | $15,745,000 | $148,000 | $8,437,000 |
| Debt-To-Income Ratio | 110 | $14,050,000 | $127,000 | $435,000 | $65,000 | $216,000 |
| Credit History | 96 | $8,340,000 | $86,000 | $455,000 | $75,000 | $429,000 |
| Unverifiable Information | 16 | $2,640,000 | $165,000 | $405,000 | $192,000 | $960,000 |
| Collateral | 16 | $1,530,000 | $95,000 | $435,000 | $78,000 | $204,000 |
| Other | 8 | $660,000 | $82,000 | $205,000 | $104,000 | $396,000 |
| Credit Application Incomplete | 4 | $670,000 | $167,000 | $255,000 | $112,000 | $186,000 |
| Employment History | 4 | $670,000 | $167,000 | $335,000 | $92,000 | $145,000 |
| 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 Radiant 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 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.