Dade County Federal Credit Union in Florida vs the state
34.0%Denial rate+12.95 pts vs state
45.8%Decision denial rate+18.55 pts vs state
40.3%Origination rate-12.42 pts vs state
5.75%Median rate-0.88 pts vs state
-2.43Rate spread (pts)-2.70 pts vs state
$113kMedian applicant income
296Loans originated
250Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 13 | 17.7% | 7.50% | #860 |
| 2024 | 482 | 251 | 24.1% | 7.50% | #245 |
| 2025 | 735 | 296 | 34.0% | 5.75% | #193 |
What Dade County Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Dade County Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 590 | 231 | 205 | 34.7% |
| Broward County | 121 | 56 | 35 | 28.9% |
| Palm Beach County | 6 | 1 | 4 | 66.7% |
| Monroe County | 5 | 2 | 2 | 40.0% |
| Collier County | 3 | 3 | 0 | 0.0% |
| Pasco County | 2 | 0 | 2 | 100.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Brevard County | 1 | 0 | 0 | 0.0% |
| Lee County | 1 | 0 | 0 | 0.0% |
| Marion 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: 735 applications in 2025, of which 296 were originated and 250 denied.
34.0% of all applications, or 45.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Dade County Federal Credit Union originated in Florida in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Dade County 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