Radiant Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Radiant 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 | 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 | 721 |
| Total Mortgage Loan Application Amount | $92,465,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $855,000 |
| Average Applicant Income | $102,600 |
| Highest Applicant Income | $1,092,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 306 | $ 42,090,000 | $ 137,000 | $ 105,000 |
| Columbia County Florida | 60 | $ 7,160,000 | $ 119,000 | $ 96,000 |
| Levy County Florida | 49 | $ 6,345,000 | $ 129,000 | $ 80,000 |
| Marion County Florida | 39 | $ 4,335,000 | $ 111,000 | $ 95,000 |
| Suwannee County Florida | 31 | $ 3,265,000 | $ 105,000 | $ 95,000 |
| Gilchrist County Florida | 17 | $ 2,025,000 | $ 119,000 | $ 106,000 |
| Putnam County Florida | 12 | $ 930,000 | $ 77,000 | $ 103,000 |
| Dixie County Florida | 11 | $ 1,105,000 | $ 100,000 | $ 75,000 |
| Union County Florida | 11 | $ 825,000 | $ 75,000 | $ 69,000 |
| Bradford County Florida | 7 | $ 485,000 | $ 69,000 | $ 75,000 |
| St. Johns County Florida | 7 | $ 1,545,000 | $ 220,000 | $ 140,000 |
| Clay County Florida | 5 | $ 375,000 | $ 75,000 | $ 78,000 |
| Flagler County Florida | 5 | $ 1,395,000 | $ 279,000 | $ 116,000 |
| Duval County Florida | 4 | $ 470,000 | $ 117,000 | $ 72,000 |
| Hamilton County Florida | 4 | $ 340,000 | $ 85,000 | $ 68,000 |
| Hernando County Florida | 4 | $ 330,000 | $ 82,000 | $ 136,000 |
| Miami-Dade County Florida | 4 | $ 620,000 | $ 155,000 | $ 107,000 |
| Orange County Florida | 4 | $ 1,040,000 | $ 260,000 | $ 153,000 |
| Volusia County Florida | 4 | $ 530,000 | $ 132,000 | $ 91,000 |
| Horry County South Carolina | 4 | $ 450,000 | $ 112,000 | $ 0 |
| Baker County Florida | 3 | $ 195,000 | $ 65,000 | $ 108,000 |
| Broward County Florida | 3 | $ 485,000 | $ 161,000 | $ 60,000 |
| Citrus County Florida | 3 | $ 485,000 | $ 161,000 | $ 50,000 |
| Hillsborough County Florida | 3 | $ 435,000 | $ 145,000 | $ 165,000 |
| Jefferson County Florida | 3 | $ 415,000 | $ 138,000 | $ 124,000 |
| Seminole County Florida | 3 | $ 405,000 | $ 135,000 | $ 323,000 |
| Taylor County Florida | 3 | $ 615,000 | $ 205,000 | $ 100,000 |
| Leon County Texas | 3 | $ 395,000 | $ 131,000 | $ 0 |
| Marshall County Alabama | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Tuscaloosa County Alabama | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Lafayette County Florida | 2 | $ 100,000 | $ 50,000 | $ 74,000 |
| Pinellas County Florida | 2 | $ 650,000 | $ 325,000 | $ 135,000 |
| Wakulla County Florida | 2 | $ 370,000 | $ 185,000 | $ 99,000 |
| Hardin County Texas | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Jasper County Texas | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Travis County Texas | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Calhoun County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Clarke County Alabama | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clay County Alabama | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Cleburne County Alabama | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cullman County Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Franklin County Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Greene County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hale County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lawrence County Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Macon County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Madison County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Sumter County Alabama | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Talladega County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Tallapoosa County Alabama | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Walker County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Boone County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cleburne County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cleveland County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Crawford County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cross County Arkansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Garland County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Miller County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Nevada County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pope County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Union County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Yell County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Los Angeles County California | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Brevard County Florida | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
| DeSoto County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Gadsden County Florida | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Gulf County Florida | 1 | $ 85,000 | $ 85,000 | $ 10,000 |
| Indian River County Florida | 1 | $ 255,000 | $ 255,000 | $ 43,000 |
| Leon County Florida | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 241,000 |
| Palm Beach County Florida | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Pasco County Florida | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Santa Rosa County Florida | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 204,000 |
| Walton County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Bryan County Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Dooly County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Oglethorpe County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Thomas County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Claiborne County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Iberia County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sabine County Louisiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Terrebonne County Louisiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Webster County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| George County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jones County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Monroe County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Scott County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tallahatchie County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Tunica County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Walthall County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wilkinson County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Craven County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Polk County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Stokes County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Clark County Ohio | 1 | $ 55,000 | $ 55,000 | $ 1,092,000 |
| Alfalfa County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cherokee County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lincoln County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| McCurtain County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 0 |
| McIntosh County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Okmulgee County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 126,000 |
| Armstrong County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Lehigh County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Aiken County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Orangeburg County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jefferson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Austin County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Brazos County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cameron County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Comal County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fannin County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Freestone County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Guadalupe County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Henderson County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hopkins County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Karnes County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Nacogdoches County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Nolan County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Walker County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
Mortgage Loan Application Detail Totals for Radiant 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 Improvement | 234 | $19,870,000 | $84,000 | $505,000 | $101,000 | $440,000 |
| Home Purchase | 222 | $42,380,000 | $190,000 | $855,000 | $95,000 | $422,000 |
| Other Purpose | 152 | $14,250,000 | $93,000 | $505,000 | $107,000 | $1,092,000 |
| Cash-out Refinancing | 67 | $9,225,000 | $137,000 | $425,000 | $107,000 | $382,000 |
| Refinancing | 46 | $6,740,000 | $146,000 | $555,000 | $103,000 | $348,000 |
| 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 | 373 | $46,365,000 | $124,000 | $605,000 | $103,000 | $1,092,000 |
| Not Provided | 139 | $17,315,000 | $124,000 | $505,000 | $108,000 | $590,000 |
| Not applicable | 117 | $17,775,000 | $151,000 | $855,000 | $0 | $0 |
| Black or African American | 56 | $5,620,000 | $100,000 | $335,000 | $75,000 | $290,000 |
| Hispanic | 27 | $3,245,000 | $120,000 | $505,000 | $111,000 | $348,000 |
| Asian | 8 | $2,040,000 | $255,000 | $665,000 | $125,000 | $174,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $115,000 | $115,000 |
| 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) | 721 | $92,465,000 | $128,000 | $855,000 | $102,000 | $1,092,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 283 | $36,985,000 | $130,000 | $665,000 | $80,000 | $1,092,000 |
| Loan Originated | 254 | $29,860,000 | $117,000 | $855,000 | $125,000 | $590,000 |
| Loan Purchased By The Institution | 103 | $12,525,000 | $121,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 79 | $12,255,000 | $155,000 | $605,000 | $112,000 | $440,000 |
| Application Withdrawn By Applicant | 2 | $840,000 | $420,000 | $565,000 | $0 | $0 |
| 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 | 438 | $55,480,000 | $126,000 | $855,000 | $122,000 | $590,000 |
| Debt-To-Income Ratio | 148 | $21,470,000 | $145,000 | $665,000 | $72,000 | $292,000 |
| Credit History | 76 | $7,810,000 | $102,000 | $575,000 | $80,000 | $306,000 |
| Unverifiable Information | 27 | $3,705,000 | $137,000 | $425,000 | $79,000 | $248,000 |
| Collateral | 16 | $1,350,000 | $84,000 | $505,000 | $84,000 | $218,000 |
| Credit Application Incomplete | 5 | $1,055,000 | $211,000 | $485,000 | $109,000 | $248,000 |
| Other | 5 | $295,000 | $59,000 | $105,000 | $281,000 | $1,092,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $980,000 | $245,000 | $265,000 | $66,000 | $118,000 |
| Employment History | 2 | $320,000 | $160,000 | $295,000 | $62,000 | $88,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Radiant 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 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.