Applications / Mortgage Analytics / Lenders / Florida / Radiant Credit Union
Gainesville, FL · Credit union · NCUA · $1.1 billion assets · 244 loans in 2025
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244
loans originated, 2025
521
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Radiant Credit Union is mainly a home-improvement lender, and in 2025 it bought more mortgages than it made.
Home improvement accounted for 51.2% of its loans and home purchases only 8.2%. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). All its loans were conventional.
It bought 248 loans in 2025, up from 125. That is more than the 244 it originated, while the typical similar lender bought none. The data do not say what kinds of loans it buys or from whom.
Originations rose 8%, against 5% at similar lenders and 10% for the whole market. In Gainesville it ranked 20 of 367 lenders, and its share rose to 1.4% from 1.1%. It merged with First Coast Community Credit Union in 2025, whose filings count in these figures and may account for part of that rise. United Wholesale Mortgage, Campus USA Credit Union and Rocket Mortgage led the market.
Borrowers with low or moderate incomes (LMI) took 22.2% of its loans, against 27.8% at peers. Poorer neighborhoods took 13.2%, against 16.1%. One possible reason is its focus on home improvement, which serves people who already own their homes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Radiant Credit Union took 521 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.2% · Other 29.1% · Refinance 11.5% · Purchase 8.2%
Conventional 100.0% · of 244 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 | 244 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gainesville | 158 |
| Ocala | 17 |
| Jacksonville | 4 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Homosassa Springs | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YB9XQDO5W4KU33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 689889 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511789 | 1990–2017 |
Established 1 January 1957. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Radiant Credit Union's data.
Radiant Credit Union's data
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Radiant 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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