AMERICU Credit Union in Florida vs the state
40.7%Denial rate+19.68 pts vs state
50.0%Decision denial rate+22.76 pts vs state
40.7%Origination rate-11.95 pts vs state
3.99%Median rate-2.64 pts vs state
-3.03Rate spread (pts)-3.30 pts vs state
$157kMedian applicant income
11Loans originated
11Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 0 | 100.0% | — | #1,060 |
| 2025 | 27 | 11 | 40.7% | 3.99% | #706 |
What AMERICU Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most AMERICU Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 5 | 3 | 2 | 40.0% |
| Palm Beach County | 4 | 0 | 3 | 75.0% |
| Pinellas County | 4 | 2 | 1 | 25.0% |
| Santa Rosa County | 2 | 0 | 2 | 100.0% |
| Monroe County | 2 | 1 | 0 | 0.0% |
| St. Lucie County | 2 | 0 | 1 | 50.0% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Charlotte County | 1 | 0 | 1 | 100.0% |
| Volusia County | 1 | 0 | 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: 27 applications in 2025, of which 11 were originated and 11 denied.
40.7% of all applications, or 50.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans AMERICU Credit Union originated in Florida in 2025 was 3.99%, against a statewide median of 6.63%.
About this data. Figures are AMERICU 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