Credit Human Federal Credit Union in Florida vs the state
60.7%Denial rate+39.66 pts vs state
61.1%Decision denial rate+33.82 pts vs state
18.0%Origination rate-34.73 pts vs state
8.40%Median rate+1.78 pts vs state
2.47Rate spread (pts)+2.20 pts vs state
$72kMedian applicant income
160Loans originated
541Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,134 | 196 | 66.8% | 8.00% | #138 |
| 2024 | 987 | 161 | 66.2% | 8.60% | #155 |
| 2025 | 891 | 160 | 60.7% | 8.40% | #166 |
What Credit Human Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 66 | 15 | 30 | 45.5% |
| Hillsborough County | 53 | 10 | 27 | 50.9% |
| Orange County | 48 | 4 | 34 | 70.8% |
| Lake County | 45 | 7 | 28 | 62.2% |
| Pinellas County | 44 | 14 | 21 | 47.7% |
| Brevard County | 39 | 5 | 25 | 64.1% |
| Volusia County | 34 | 6 | 20 | 58.8% |
| Citrus County | 31 | 7 | 12 | 38.7% |
| Pasco County | 30 | 9 | 19 | 63.3% |
| Lee County | 30 | 3 | 19 | 63.3% |
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: 891 applications in 2025, of which 160 were originated and 541 denied.
60.7% of all applications, or 61.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Credit Human Federal Credit Union originated in Florida in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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