BrightStar Credit Union in Florida vs the state
25.7%Denial rate+4.63 pts vs state
36.3%Decision denial rate+9.06 pts vs state
44.3%Origination rate-8.40 pts vs state
7.24%Median rate+0.62 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$93kMedian applicant income
500Loans originated
290Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,223 | 516 | 30.7% | 6.99% | #126 |
| 2024 | 1,208 | 474 | 28.6% | 7.99% | #129 |
| 2025 | 1,129 | 500 | 25.7% | 7.24% | #140 |
What BrightStar Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most BrightStar Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 896 | 377 | 242 | 27.0% |
| Palm Beach County | 88 | 49 | 16 | 18.2% |
| Miami-Dade County | 75 | 35 | 16 | 21.3% |
| St. Lucie County | 13 | 7 | 3 | 23.1% |
| Lee County | 8 | 5 | 3 | 37.5% |
| Hillsborough County | 6 | 2 | 3 | 50.0% |
| Orange County | 4 | 3 | 1 | 25.0% |
| Marion County | 4 | 2 | 1 | 25.0% |
| Volusia County | 4 | 3 | 1 | 25.0% |
| Collier County | 4 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,129 applications in 2025, of which 500 were originated and 290 denied.
25.7% of all applications, or 36.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans BrightStar Credit Union originated in Florida in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are BrightStar Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology