American Heritage FCU in Florida vs the state
31.3%Denial rate+10.19 pts vs state
37.0%Decision denial rate+9.80 pts vs state
53.1%Origination rate+0.44 pts vs state
6.63%Median rate0.00 pts vs state
0.10Rate spread (pts)-0.17 pts vs state
$114kMedian applicant income
17Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 17 | 48.8% | 6.75% | #669 |
| 2024 | 51 | 27 | 29.4% | 7.38% | #595 |
| 2025 | 32 | 17 | 31.3% | 6.63% | #680 |
What American Heritage FCU lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most American Heritage FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Johns County | 3 | 1 | 1 | 33.3% |
| Miami-Dade County | 3 | 0 | 3 | 100.0% |
| Lee County | 3 | 1 | 2 | 66.7% |
| St. Lucie County | 2 | 1 | 1 | 50.0% |
| Leon County | 2 | 1 | 0 | 0.0% |
| Palm Beach County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Collier County | 2 | 2 | 0 | 0.0% |
| Pinellas County | 2 | 1 | 1 | 50.0% |
| Brevard County | 1 | 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: 32 applications in 2025, of which 17 were originated and 10 denied.
31.3% of all applications, or 37.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans American Heritage FCU originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Heritage FCU'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