Radiant Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th41.0% deniedPricingmedian rate spread over APOR, weight 30%
65th-0.13 ptsProcesswithdrawn + incomplete share, weight 15%
99th0.4%Closing coststotal loan costs ÷ loan amount, weight 10%
32nd3.86% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 618 | 254 | 45.8% | 45.9% | 8.25% | $30M |
| 2024 | 485 | 226 | 40.8% | 41.0% | 8.00% | $26M |
| 2025 | 521 | 244 | 40.9% | 41.0% | 6.25% | $38M |
What Radiant Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 398 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 7 investment properties.
Why Radiant Credit Union denies applications
Primary reason reported for each of the 213 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Radiant Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 80 | 22 | 62.5% |
| $50k – $100k | 186 | 75 | 47.3% |
| $100k – $150k | 119 | 57 | 41.2% |
| $150k – $250k | 90 | 57 | 17.8% |
| Over $250k | 35 | 28 | 14.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 59 | 24 | 44.1% |
| 35–44 | 100 | 42 | 49.5% |
| 45–54 | 115 | 56 | 35.7% |
| 55–64 | 119 | 64 | 38.7% |
| 65–74 | 76 | 39 | 29.0% |
| Over 74 | 24 | 11 | 45.8% |
Where Radiant Credit Union lends
4 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 501 | 244 | 38.7% | 6.25% | #240 |
Frequently asked questions
Radiant Credit Union denied 41.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of home-equity (HELOC) lenders.
The most common reason Radiant Credit Union gave in 2025 was "debt-to-income ratio", cited on 61.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Radiant Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 13% of its applications were for home purchases, 13% for refinancing (including cash-out), and 74% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.