# Radiant Credit Union

> **Canonical URL:** https://saferate.com/lenders/radiant-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Radiant Credit Union is a credit union, headquartered in Gainesville, FL, with 23 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900YB9XQDO5W4KU33
- **Headquarters:** Gainesville, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.481%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $925
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 23
- **Dollar Volume:** $5 million
- **Applications Received:** 75
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $235,000
- **Average Borrower Income:** $135,870
- **Average Property Value:** $375,870

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 23 | +0.481% | $925 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 12/100 | 11 | $3M | +0.605% | Mediocre 😐 |
| Refinance | 21/100 | 12 | $2M | +0.366% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 23 | 0.01% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gainesville, FL | FL | 13 | 57/100 |

## Where This Lender Ranks

Radiant Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Gainesville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Radiant Credit Union offer?

Radiant Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Radiant Credit Union offer mortgages?

Radiant Credit Union offers mortgages in 1 states: FL.

### How competitive are Radiant Credit Union's mortgage rates?

Radiant Credit Union has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.481% above market average.

### What type of lender is Radiant Credit Union?

Radiant Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Gainesville, FL.

### What is Radiant Credit Union's loan approval success rate?

Radiant Credit Union has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/radiant-credit-union

### How to Cite

> "Radiant Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/radiant-credit-union

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