Name of the lender

Radiant Credit UnionMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Gainesville, FL
Reporting agency: National Credit Union Administration (NCUA)
Legal Entity Identifier (LEI)
Earlier names on its filings: Sunstate Federal Credit Union

Figures by state (CSV)

Radiant Credit Union reported 521 mortgage applications in the HMDA data of 2025.

It originated 244 loans in 2025, for $38.4 million in total.

The median interest rate of its loans in 2025 was 6.313%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $4,372, and the national median was $6,413.

It denied 41.0% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Radiant Credit Union, 2025
Figure	This lender	United States
Applications	521Under 0.1% of the US total	11,766,671
Loans originated	244$38.4 million	6,827,891
Median interest rate	6.313%	6.375%
Median total loan costs	$4,372	$6,413
Denial rate	41.0%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Radiant Credit Union by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	30	6.313%US 6.375%	$4,372US $6,413	−0.089US 0.161
Conventional	30	6.313%US 6.500%	$4,372US $5,393	−0.089US 0.175

Parts of the total loan costs of Radiant Credit Union by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$827US $2,062	n/aUS $2,823	n/aUS $567
Conventional	$827US $1,981	n/aUS $2,588	n/aUS $604

The median rate spread of these loans was 0.089 percentage points below the average prime offer rate (APOR). On a loan of $300,000, that is about $267 less a year, or $22 less a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Radiant Credit Union and the United States

Radiant Credit UnionUnited States

Action takenHMDA codes and labels

Records of Radiant Credit Union by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	244	30.3%	50.4%
2Application approved but not accepted	62	7.7%	3.1%
3Application denied	213	26.4%	15.6%
4Application withdrawn by applicant	1	0.1%	12.6%
5File closed for incompleteness	1	0.1%	5.1%
6Purchased loan	248	30.8%	11.7%
7Preapproval request denied	6	0.7%	0.4%
8Preapproval request approved but not accepted	31	3.8%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Radiant Credit Union by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	131	61.5%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	53	24.9%	25.6%
4Collateral	6	2.8%	13.8%
5Insufficient cash (downpayment, closing costs)	1	0.5%	2.3%
6Unverifiable information	4	1.9%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	18	8.5%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Radiant Credit Union by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	520	244	40.9%US 23.4%
FHA-insured	1	0	n/aUS 21.8%

Applications of Radiant Credit Union by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	66	20	8.2%
Home improvement	220	125	51.2%
Refinancing	17	10	4.1%
Cash-out refinancing	53	18	7.4%
Other purpose	165	71	29.1%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Radiant Credit Union by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Florida	501	244	6.313%	$4,372	38.8%

Counties of Radiant Credit Union with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Alachua County, FL	251	134	$21.6 million	34.8%

Figures by yearHMDA 2022 to 2025

Radiant Credit Union by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	521	244	6.313%	$4,372	41.0%	806
2024	485	226	6.875%	$3,872	41.0%	634
2023	618	254	6.750%	$3,590	45.9%	721
2022	634	302	4.375%	$3,375	40.3%	950
2021	n/a	n/a	n/a	n/a	n/a	798
2020	n/a	n/a	n/a	n/a	n/a	572
2019	n/a	n/a	n/a	n/a	n/a	387
2018	n/a	n/a	n/a	n/a	n/a	819

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Radiant Credit Union and the United States

Radiant Credit UnionUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

1st Financial, Inc.Millersville, MD
Ally BankCharlotte, NC
American Momentum BankCollege Station, TX
Diya Finance LLCGreenwood Village, CO
DYBN Financial Corporation dba Morgan FinancialMelbourne, FL
Eglin Federal Credit UnionFort Walton Beach, FL
Gulf Winds Credit UnionPensacola, FL
LoanFlight Lending, LLC.Tampa, FL
Metroplex Mortgage ServicesTampa, FL
Mortgage Financial Group IncTavares, FL
Power Financial Credit UnionPembroke Pines, FL
The Bank of TampaTampa, FL

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Radiant Credit Union mortgage rates and denial rate, 2025", https://lenderregister.com/lender/254900yb9xqdo5w4ku33-radiant-credit-union/
Lender: Radiant Credit Union, LEI 254900YB9XQDO5W4KU33
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Radiant Credit Union buy from other lenders in 2025?: It reported 248 purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Radiant Credit Union code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (131), credit history (53) and other (18).
In which states did Radiant Credit Union originate the most loans in 2025?: It had 25 applications or more in one state only: Florida, with 244 loans originated.
Which loan types did Radiant Credit Union originate in 2025?: All its loans were of one type: 244 Conventional.