Radiant Credit Union
Radiant Credit Union received 503 applications in 2025 and made 244 mortgages, in 223 counties across 23 states. The median rate its borrowers got was 6.250% on a median loan of $85,000. Of 502 decisions, 196 were denials — 39.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900YB9XQDO5W4KU33 |
|---|---|
| Applications received | 503 |
| Mortgages made | 244 |
| Denied | 196 |
| Approved, not taken up | 62 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 248 |
| Median rate spread over the prime offer rate | -0.125 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 | 20 | 6.375% | $250,000 | 35.4% |
| Refinancing | 10 | 6.500% | $260,000 | 29.4% |
| Cash-out refinancing | 18 | 6.813% | $180,000 | 41.5% |
| Other purposes | 196 | 4.990% | $65,000 | 39.6% |
Where Radiant Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Alachua County, FL | 134 | 6.063% | 34.8% |
| Columbia County, FL | 30 | 4.990% | 25.5% |
| Marion County, FL | 17 | 8.000% | 38.7% |
| Levy County, FL | 15 | 8.250% | 43.9% |
| Suwannee County, FL | 11 | 6.125% | 55.2% |
| Gilchrist County, FL | 9 | Under 10 loans | 40.7% |
| Union County, FL | 5 | Under 10 loans | 14.3% |
| Bradford County, FL | 3 | Under 10 loans | 50.0% |
| Dixie County, FL | 3 | Under 10 loans | 58.3% |
| Hamilton County, FL | 3 | Under 10 loans | 25.0% |
| Putnam County, FL | 3 | Under 10 loans | 60.0% |
| Citrus County, FL | 2 | Under 10 loans | 33.3% |
| Clay County, FL | 2 | Under 10 loans | 66.7% |
| Volusia County, FL | 2 | Under 10 loans | 40.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Lafayette County, FL | 1 | Under 10 loans | 33.3% |
| Nassau County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | Not published |
| Calhoun County, AL | 0 | Under 10 loans | Not published |
| Chambers County, AL | 0 | Under 10 loans | Not published |
| Cherokee County, AL | 0 | Under 10 loans | Not published |
| Chilton County, AL | 0 | Under 10 loans | Not published |
| Choctaw County, AL | 0 | Under 10 loans | Not published |
| Elmore County, AL | 0 | Under 10 loans | Not published |
| Fayette County, AL | 0 | Under 10 loans | Not published |
| Hale County, AL | 0 | Under 10 loans | Not published |
| Henry County, AL | 0 | Under 10 loans | Not published |
| Jackson County, AL | 0 | Under 10 loans | Not published |
| Lauderdale County, AL | 0 | Under 10 loans | Not published |
| Lee County, AL | 0 | Under 10 loans | Not published |
| Macon County, AL | 0 | Under 10 loans | Not published |
| Marengo County, AL | 0 | Under 10 loans | Not published |
| Marion County, AL | 0 | Under 10 loans | Not published |
| Marshall County, AL | 0 | Under 10 loans | Not published |
| Mobile County, AL | 0 | Under 10 loans | Not published |
| Morgan County, AL | 0 | Under 10 loans | Not published |
| St. Clair County, AL | 0 | Under 10 loans | Not published |
| Shelby County, AL | 0 | Under 10 loans | Not published |
| Sumter County, AL | 0 | Under 10 loans | Not published |
| Talladega County, AL | 0 | Under 10 loans | Not published |
| Tuscaloosa County, AL | 0 | Under 10 loans | Not published |
| Walker County, AL | 0 | Under 10 loans | Not published |
| Washington County, AL | 0 | Under 10 loans | Not published |
| Wilcox County, AL | 0 | Under 10 loans | Not published |
| Crawford County, AR | 0 | Under 10 loans | Not published |
| Drew County, AR | 0 | Under 10 loans | Not published |
| Logan County, AR | 0 | Under 10 loans | Not published |
| Ouachita County, AR | 0 | Under 10 loans | Not published |
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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.