Advancial Credit Union in Florida vs the state
4.1%Denial rate-16.98 pts vs state
5.9%Decision denial rate-21.36 pts vs state
61.2%Origination rate+8.53 pts vs state
7.44%Median rate+0.81 pts vs state
1.03Rate spread (pts)+0.76 pts vs state
$215kMedian applicant income
30Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 93 | 7.4% | 8.00% | #447 |
| 2024 | 62 | 50 | 9.7% | 7.75% | #563 |
| 2025 | 49 | 30 | 4.1% | 7.44% | #606 |
What Advancial Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Advancial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 7 | 4 | 0 | 0.0% |
| Sarasota County | 6 | 5 | 0 | 0.0% |
| Orange County | 4 | 2 | 0 | 0.0% |
| Pinellas County | 4 | 4 | 0 | 0.0% |
| Miami-Dade County | 4 | 0 | 0 | 0.0% |
| Indian River County | 3 | 1 | 0 | 0.0% |
| Manatee County | 3 | 1 | 1 | 33.3% |
| Broward County | 3 | 2 | 0 | 0.0% |
| Seminole County | 3 | 2 | 0 | 0.0% |
| Hillsborough County | 2 | 1 | 0 | 0.0% |
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: 49 applications in 2025, of which 30 were originated and 2 denied.
4.1% of all applications, or 5.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Advancial Credit Union originated in Florida in 2025 was 7.44%, against a statewide median of 6.63%.
About this data. Figures are Advancial 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