Achieva Credit Union in Florida vs the state
26.5%Denial rate+5.45 pts vs state
28.3%Decision denial rate+1.05 pts vs state
62.1%Origination rate+9.42 pts vs state
7.25%Median rate+0.63 pts vs state
0.20Rate spread (pts)-0.07 pts vs state
$100kMedian applicant income
1,310Loans originated
559Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,971 | 1,170 | 31.1% | 5.99% | #87 |
| 2024 | 1,704 | 1,087 | 25.8% | 8.50% | #99 |
| 2025 | 2,109 | 1,310 | 26.5% | 7.25% | #91 |
What Achieva Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Achieva Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 905 | 595 | 217 | 24.0% |
| Sarasota County | 359 | 224 | 92 | 25.6% |
| Pasco County | 237 | 152 | 65 | 27.4% |
| Lee County | 165 | 80 | 62 | 37.6% |
| Charlotte County | 117 | 62 | 36 | 30.8% |
| Manatee County | 101 | 66 | 25 | 24.8% |
| Hillsborough County | 93 | 53 | 33 | 35.5% |
| Hernando County | 43 | 25 | 11 | 25.6% |
| Collier County | 15 | 10 | 3 | 20.0% |
| Polk County | 12 | 9 | 1 | 8.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,109 applications in 2025, of which 1,310 were originated and 559 denied.
26.5% of all applications, or 28.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Achieva Credit Union originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Achieva Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology