Credit Union 1 in Florida vs the state
48.7%Denial rate+27.66 pts vs state
61.3%Decision denial rate+34.05 pts vs state
30.8%Origination rate-21.92 pts vs state
6.50%Median rate-0.13 pts vs state
0.50Rate spread (pts)+0.23 pts vs state
$86kMedian applicant income
12Loans originated
19Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 7 | 52.2% | 8.75% | #794 |
| 2024 | 22 | 5 | 50.0% | 9.00% | #754 |
| 2025 | 39 | 12 | 48.7% | 6.50% | #635 |
What Credit Union 1 lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Manatee County | 15 | 5 | 9 | 60.0% |
| Palm Beach County | 6 | 2 | 1 | 16.7% |
| Miami-Dade County | 3 | 0 | 2 | 66.7% |
| Orange County | 3 | 1 | 1 | 33.3% |
| Seminole County | 2 | 0 | 2 | 100.0% |
| Pasco County | 2 | 1 | 1 | 50.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Bay County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
| Alachua County | 1 | 0 | 1 | 100.0% |
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: 39 applications in 2025, of which 12 were originated and 19 denied.
48.7% of all applications, or 61.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Credit Union 1 originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Credit Union 1'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