Applications / Mortgage Analytics / Lenders / Florida / BrightStar Credit Union
Hollywood, FL · Credit union · NCUA · $993 million assets · 511 loans in 2025
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511
loans originated, 2025
1,151
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BrightStar Credit Union is a South Florida credit union lending mostly for home improvement and other purposes, with 70.5% of its loans in majority-minority areas.
Majority-minority areas took 70.5% of its loans, against 11.0% at similar lenders (credit unions making between half and twice as many loans), and low- and moderate-income (LMI) areas took 25.0%, against 15.1%; both were higher than about nineteen in twenty peers. Its largest market, Miami-Fort Lauderdale-West Palm Beach, where it ranked 74 of 937, is one ordinary explanation.
LMI borrowers took 21.1% of its loans, against 27.3% at peers, lower than about three in four of them. One possibility is that many of its borrowers in LMI areas have incomes above the LMI line; another is its mix of home-improvement and other-purpose loans to existing owners.
Home improvement made up 39.1% of its loans and other purposes 34.2%; refinances were 15.3% and purchases 11.4%. Its typical loan, $105,000, matched peers', and 99.8% of its loans were conventional.
Originations rose 6%, the same as similar lenders and below the whole market's 10%. Its count has grown from 304 in 2020 to 511, after a peak of 608 in 2022. In 2025 it first lent in Savannah, Huntsville and Dothan, each with a very small share.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BrightStar Credit Union took 1,151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.1% · Other 34.2% · Refinance 15.3% · Purchase 11.4%
Conventional 99.8% · VA 0.2% · of 511 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 500 | 97.8% |
| Alabama | 4 | 0.8% |
| Tennessee | 3 | 0.6% |
| Georgia | 2 | 0.4% |
| Illinois | 1 | 0.2% |
| North Carolina | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 377 |
| West Palm Beach-Boca Raton-Delray Beach | 49 |
| Miami-Miami Beach-Kendall | 35 |
| Port St. Lucie | 9 |
| Cape Coral-Fort Myers | 5 |
| Orlando-Kissimmee-Sanford | 5 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| Gainesville | 3 |
| Memphis | 3 |
| Huntsville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D7OB5W5CJHFO55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 24994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567347 | 1991–2017 |
Established 1 January 1946. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: BrightStar Credit Union's data.
BrightStar Credit Union's data
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BrightStar Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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