BRIGHTSTAR Credit Union mortgage approval rate & lending review
BRIGHTSTAR Credit Union decided 1,577 mortgage applications and funded 910 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BRIGHTSTAR Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BRIGHTSTAR Credit Union at a glance
Approval is 2.3 points below the 66.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 73% | 85 / 117 | 95% | $265K | 81 |
| Home improvement loans | 64% | 741 / 1,161 | 89% | $85K | 660 |
| Cash-out refinance | 65% | 131 / 201 | 94% | $105K | 123 |
| Refinance | 52% | 23 / 44 | 96% | $175K | 22 |
BRIGHTSTAR Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 64% | $85K | 1,560 | 901 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where BRIGHTSTAR Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Broward County, FL | Home improvement loans | 64% | 973 | 548 |
| Broward County, FL | Cash-out refinance | 66% | 144 | 88 |
| Palm Beach County, FL | Home improvement loans | 76% | 85 | 57 |
| Miami-Dade County, FL | Home improvement loans | 46% | 54 | 24 |
| Broward County, FL | Refinance | 58% | 33 | 18 |
The county markets where BRIGHTSTAR Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about BRIGHTSTAR Credit Union
What is BRIGHTSTAR Credit Union's mortgage approval rate?
BRIGHTSTAR Credit Union approved 63.7% of the 1,577 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points below the 66.0% national rate for the same mix of loan types.
How often do borrowers take the loan BRIGHTSTAR Credit Union offers?
Borrowers accepted 91% of the loans BRIGHTSTAR Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BRIGHTSTAR Credit Union make?
The typical home improvement loan loan BRIGHTSTAR Credit Union made was $85K; across all loan types its typical loan ran from $85K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BRIGHTSTAR Credit Union lend?
BRIGHTSTAR Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Florida, North Carolina and Georgia.
Can I apply to BRIGHTSTAR Credit Union directly?
Yes. BRIGHTSTAR Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BRIGHTSTAR Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how BRIGHTSTAR Credit Union treats applications, then get a rate quote from the lender.