RadiFi Credit Union
RadiFi Credit Union received 417 applications in 2025 and made 323 mortgages, in 37 counties across 2 states. The median rate its borrowers got was 6.550% on a median loan of $125,000. Of 363 decisions, 40 were denials — 11.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WKOE38PNUSOD49 |
|---|---|
| Applications received | 417 |
| Mortgages made | 323 |
| Denied | 40 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.452 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 114 | 6.000% | $310,000 | 8.1% |
| Refinancing | 22 | 5.813% | $290,000 | 18.5% |
| Cash-out refinancing | 185 | 6.850% | $85,000 | 11.9% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where RadiFi Credit Union lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Duval County, FL | 169 | 6.625% | 13.8% |
| Clay County, FL | 63 | 6.990% | 10.0% |
| St. Johns County, FL | 32 | 6.125% | 3.0% |
| Nassau County, FL | 10 | 6.740% | 9.1% |
| Pasco County, FL | 4 | Under 10 loans | 0.0% |
| Bradford County, FL | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| Flagler County, FL | 3 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Pinellas County, FL | 3 | Under 10 loans | 0.0% |
| Camden County, GA | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Martin County, FL | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Baker County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Columbia County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Gilchrist County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 66.7% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Haralson County, GA | 1 | Under 10 loans | 0.0% |
| Houston County, GA | 1 | Under 10 loans | 0.0% |
| Hamilton County, FL | 0 | Under 10 loans | 100.0% |
| Marion County, FL | 0 | Under 10 loans | Not published |
| Seminole County, FL | 0 | Under 10 loans | 100.0% |
| Dooly County, GA | 0 | Under 10 loans | Not published |
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When RadiFi Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.