Radiant Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Radiant Credit Union of Gainesville, FL reported 950 mortgage applications totaling $129.2 million, up 19% from 2021. The average application was for $135,978, and applicants reported an average income of $112,415. 32% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Gainesville, FL (386), Ocala, FL (29) and Jacksonville, FL (23) (applications in parentheses).
| Mortgage Company & Address | Radiant Credit Union 405 Se 2nd Place Gainesville, FL 32606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $135,978 |
| Highest Mortgage Loan Application Amount | $15,745,000 |
| Average Applicant Income | $112,415 |
| Highest Applicant Income | $8,437,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Radiant Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Gainesville, FL | 386 | $ 61,380,000 | $ 159,015 | $ 138,000 |
| Outside any metro area | 245 | $ 25,785,000 | $ 105,244 | $ 86,761 |
| Ocala, FL | 29 | $ 3,115,000 | $ 107,413 | $ 113,000 |
| Jacksonville, FL | 23 | $ 2,495,000 | $ 108,478 | $ 147,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 1,145,000 | $ 127,222 | $ 0 |
| Baton Rouge, LA | 8 | $ 710,000 | $ 88,750 | $ 0 |
| Birmingham-Hoover, AL | 8 | $ 900,000 | $ 112,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 930,000 | $ 116,250 | $ 144,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 730,000 | $ 91,250 | $ 116,000 |
| Tuscaloosa, AL | 7 | $ 825,000 | $ 117,857 | $ 0 |
| Montgomery, AL | 6 | $ 780,000 | $ 130,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 615,000 | $ 123,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 595,000 | $ 119,000 | $ 0 |
| Lafayette, LA | 5 | $ 545,000 | $ 109,000 | $ 0 |
| Memphis, TN-MS-AR | 5 | $ 715,000 | $ 143,000 | $ 0 |
| San Antonio-New Braunfels, TX | 5 | $ 655,000 | $ 131,000 | $ 0 |
| Dallas-Plano-Irving, TX | 4 | $ 630,000 | $ 157,500 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 670,000 | $ 167,500 | $ 64,000 |
| Fort Worth-Arlington, TX | 4 | $ 600,000 | $ 150,000 | $ 0 |
| Homosassa Springs, FL | 4 | $ 340,000 | $ 85,000 | $ 147,000 |
| Houma-Thibodaux, LA | 4 | $ 320,000 | $ 80,000 | $ 0 |
| Longview, TX | 4 | $ 490,000 | $ 122,500 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 430,000 | $ 107,500 | $ 0 |
| Alexandria, LA | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Auburn-Opelika, AL | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Beaumont-Port Arthur, TX | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Charleston-North Charleston, SC | 3 | $ 375,000 | $ 125,000 | $ 0 |
| Lansing-East Lansing, MI | 3 | $ 225,000 | $ 75,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 285,000 | $ 95,000 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 565,000 | $ 188,333 | $ 106,000 |
| Shreveport-Bossier City, LA | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Texarkana, TX-AR | 3 | $ 355,000 | $ 118,333 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Decatur, AL | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Florence, SC | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Midland, TX | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Rochester, NY | 2 | $ 230,000 | $ 115,000 | $ 0 |
| St. Louis, MO-IL | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Albany, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Albuquerque, NM | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Boise City, ID | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Columbia, MO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Columbia, SC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dothan, AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| El Paso, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Flint, MI | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gadsden, AL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Goldsboro, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hammond, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Huntsville, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jackson, MS | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Joplin, MO | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Kingston, NY | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Knoxville, TN | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Mobile, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Monroe, LA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Morristown, TN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 205,000 | $ 205,000 | $ 396,000 |
| New Bern, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Odessa, TX | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Panama City, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Racine, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rochester, MN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rome, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| State College, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sumter, SC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tallahassee, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| The Villages, FL | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Utica-Rome, NY | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Valdosta, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 105,000 | $ 105,000 | $ 96,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| York-Hanover, PA | 1 | $ 65,000 | $ 65,000 | $ 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.
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