Radifi mortgage approval rate & lending review
Radifi decided 759 mortgage applications and funded 664 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Radifi reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Radifi at a glance
Approval is 14.2 points above the 73.6% 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 | 88% | 148 / 168 | 99% | $265K | 147 |
| Cash-out refinance | 89% | 460 / 517 | 100% | $65K | 460 |
| Refinance | 85% | 29 / 34 | 97% | $235K | 28 |
Radifi lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 88% | $65K | 754 | 659 |
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 Radifi lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Duval County, FL | Cash-out refinance | 87% | 298 | 260 |
| Clay County, FL | Cash-out refinance | 91% | 138 | 125 |
| St. Johns County, FL | Cash-out refinance | 91% | 55 | 50 |
| Duval County, FL | Refinance | 91% | 23 | 20 |
The county markets where Radifi made the most loans. Each link opens that market with every lender ranked.
Questions about Radifi
What is Radifi's mortgage approval rate?
Radifi approved 87.7% of the 759 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.2 points above the 73.6% national rate for the same mix of loan types.
How often do borrowers take the loan Radifi offers?
Borrowers accepted 100% of the loans Radifi approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Radifi make?
The typical cash-out refinance loan Radifi made was $65K; across all loan types its typical loan ran from $65K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Radifi lend?
Radifi decided applications in 2 of the states Fat Boy Data covers, most of them in Florida and Georgia.
Can I apply to Radifi directly?
Yes. Radifi is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Radifi'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 Radifi treats applications, then get a rate quote from the lender.