BrightStar Credit Union
BrightStar Credit Union received 1,151 applications in 2025 and made 511 mortgages, in 41 counties across 11 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 813 decisions, 293 were denials — 36.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D7OB5W5CJHFO55 |
|---|---|
| Applications received | 1,151 |
| Mortgages made | 511 |
| Denied | 293 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 338 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.05 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 58 | 6.500% | $575,000 | 12.1% |
| Refinancing | 15 | 6.500% | $815,000 | 28.6% |
| Cash-out refinancing | 63 | 6.875% | $155,000 | 25.6% |
| Other purposes | 375 | 7.250% | $105,000 | 40.2% |
Where BrightStar Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Broward County, FL | 377 | 7.250% | 38.7% |
| Palm Beach County, FL | 49 | 7.125% | 23.9% |
| Miami-Dade County, FL | 35 | 7.250% | 31.4% |
| St. Lucie County, FL | 7 | Under 10 loans | 30.0% |
| Lee County, FL | 5 | Under 10 loans | 37.5% |
| Alachua County, FL | 3 | Under 10 loans | 0.0% |
| Orange County, FL | 3 | Under 10 loans | 25.0% |
| Volusia County, FL | 3 | Under 10 loans | 25.0% |
| Shelby County, TN | 3 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 60.0% |
| Lake County, FL | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 2 | Under 10 loans | 33.3% |
| Martin County, FL | 2 | Under 10 loans | 0.0% |
| Polk County, FL | 2 | Under 10 loans | 0.0% |
| Geneva County, AL | 1 | Under 10 loans | 0.0% |
| Monroe County, AL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 50.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 1 | Under 10 loans | 50.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 50.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Hendry County, FL | 0 | Under 10 loans | Not published |
| Okeechobee County, FL | 0 | Under 10 loans | Not published |
| Putnam County, FL | 0 | Under 10 loans | 100.0% |
| Seminole County, FL | 0 | Under 10 loans | Not published |
| Bulloch County, GA | 0 | Under 10 loans | Not published |
| Camden County, GA | 0 | Under 10 loans | 100.0% |
| Cook County, GA | 0 | Under 10 loans | Not published |
| Fayette County, KY | 0 | Under 10 loans | Not published |
| Greenville County, SC | 0 | Under 10 loans | 100.0% |
| Montgomery County, TX | 0 | Under 10 loans | 100.0% |
| Washington County, VA | 0 | Under 10 loans | Not published |
| Manitowoc County, WI | 0 | Under 10 loans | Not published |
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When BrightStar Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.