Radiant Credit Union in Florida vs the state
38.7%Denial rate+17.66 pts vs state
38.8%Decision denial rate+11.56 pts vs state
48.7%Origination rate-3.99 pts vs state
6.25%Median rate-0.38 pts vs state
-0.13Rate spread (pts)-0.39 pts vs state
$99kMedian applicant income
244Loans originated
194Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 613 | 254 | 45.4% | 8.25% | #206 |
| 2024 | 474 | 226 | 39.7% | 8.00% | #247 |
| 2025 | 501 | 244 | 38.7% | 6.25% | #240 |
What Radiant Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Radiant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alachua County | 251 | 134 | 87 | 34.7% |
| Columbia County | 47 | 30 | 12 | 25.5% |
| Levy County | 41 | 15 | 18 | 43.9% |
| Marion County | 31 | 17 | 12 | 38.7% |
| Suwannee County | 29 | 11 | 16 | 55.2% |
| Gilchrist County | 27 | 9 | 11 | 40.7% |
| Dixie County | 12 | 3 | 7 | 58.3% |
| Putnam County | 10 | 3 | 6 | 60.0% |
| Union County | 7 | 5 | 1 | 14.3% |
| Clay County | 6 | 2 | 4 | 66.7% |
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: 501 applications in 2025, of which 244 were originated and 194 denied.
38.7% of all applications, or 38.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Radiant Credit Union originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Radiant 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