Radiant Credit Union mortgage approval rate & lending review
Radiant Credit Union decided 710 mortgage applications and funded 333 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Radiant Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Radiant Credit Union at a glance
Approval is 7.1 points below the 69.2% 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 | 50% | 58 / 116 | 52% | $245K | 30 |
| Home improvement loans | 66% | 276 / 420 | 81% | $75K | 223 |
| Cash-out refinance | 62% | 60 / 97 | 70% | $155K | 42 |
| Refinance | 53% | 26 / 49 | 85% | $105K | 22 |
Radiant Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 62% | $75K | 708 | 333 |
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 Radiant Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alachua County, FL | Home improvement loans | 68% | 342 | 191 |
| Alachua County, FL | Cash-out refinance | 62% | 81 | 34 |
| Alachua County, FL | Mortgage lenders | 50% | 80 | 23 |
| Alachua County, FL | Refinance | 52% | 40 | 17 |
| Marion County, FL | Home improvement loans | 53% | 30 | 10 |
The county markets where Radiant Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Radiant Credit Union
What is Radiant Credit Union's mortgage approval rate?
Radiant Credit Union approved 62.1% of the 710 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points below the 69.2% national rate for the same mix of loan types.
How often do borrowers take the loan Radiant Credit Union offers?
Borrowers accepted 76% of the loans Radiant 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 Radiant Credit Union make?
The typical home improvement loan loan Radiant Credit Union made was $75K; across all loan types its typical loan ran from $75K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Radiant Credit Union lend?
Radiant Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Florida, Oklahoma and Oregon.
Can I apply to Radiant Credit Union directly?
Yes. Radiant Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Radiant 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 Radiant Credit Union treats applications, then get a rate quote from the lender.