Credit Union Mortgage Association in Florida vs the state
7.9%Denial rate-13.19 pts vs state
14.5%Decision denial rate-12.75 pts vs state
44.9%Origination rate-7.81 pts vs state
5.88%Median rate-0.75 pts vs state
-0.48Rate spread (pts)-0.75 pts vs state
$121kMedian applicant income
57Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 78 | 15.7% | 5.69% | #414 |
| 2024 | 159 | 61 | 13.2% | 6.25% | #414 |
| 2025 | 127 | 57 | 7.9% | 5.88% | #443 |
What Credit Union Mortgage Association lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 33 | 13 | 2 | 6.1% |
| Palm Beach County | 29 | 11 | 4 | 13.8% |
| Leon County | 6 | 4 | 0 | 0.0% |
| Miami-Dade County | 5 | 0 | 1 | 20.0% |
| St. Lucie County | 5 | 2 | 1 | 20.0% |
| Santa Rosa County | 3 | 2 | 0 | 0.0% |
| Orange County | 3 | 2 | 0 | 0.0% |
| Lee County | 3 | 1 | 1 | 33.3% |
| Sarasota County | 3 | 2 | 0 | 0.0% |
| Escambia County | 3 | 2 | 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: 127 applications in 2025, of which 57 were originated and 10 denied.
7.9% of all applications, or 14.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Credit Union Mortgage Association originated in Florida in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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