Central One Federal Credit Union in Florida vs the state
20.0%Denial rate-1.06 pts vs state
23.1%Decision denial rate-4.16 pts vs state
66.7%Origination rate+13.98 pts vs state
6.50%Median rate-0.13 pts vs state
-0.70Rate spread (pts)-0.96 pts vs state
$93kMedian applicant income
10Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 6 | 7.7% | 6.18% | #931 |
| 2024 | 15 | 9 | 6.7% | 6.74% | #833 |
| 2025 | 15 | 10 | 20.0% | 6.50% | #828 |
What Central One Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Central One Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 3 | 3 | 0 | 0.0% |
| Sarasota County | 2 | 2 | 0 | 0.0% |
| Palm Beach County | 2 | 1 | 1 | 50.0% |
| Collier County | 2 | 0 | 1 | 50.0% |
| Charlotte County | 2 | 1 | 1 | 50.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
| Volusia 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: 15 applications in 2025, of which 10 were originated and 3 denied.
20.0% of all applications, or 23.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Central One Federal Credit Union originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Central One Federal 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