Dfcu Financial in Florida vs the state
8.4%Denial rate-12.64 pts vs state
9.2%Decision denial rate-18.05 pts vs state
73.0%Origination rate+20.33 pts vs state
6.00%Median rate-0.63 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$174kMedian applicant income
295Loans originated
34Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 96 | 13.5% | 7.25% | #426 |
| 2024 | 363 | 226 | 13.0% | 6.63% | #280 |
| 2025 | 404 | 295 | 8.4% | 6.00% | #268 |
What Dfcu Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Dfcu Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 150 | 112 | 13 | 8.7% |
| Pinellas County | 59 | 40 | 5 | 8.5% |
| Collier County | 39 | 30 | 2 | 5.1% |
| Lee County | 31 | 18 | 1 | 3.2% |
| Pasco County | 30 | 26 | 2 | 6.7% |
| Sarasota County | 15 | 9 | 5 | 33.3% |
| Manatee County | 10 | 6 | 1 | 10.0% |
| Polk County | 10 | 6 | 3 | 30.0% |
| Broward County | 9 | 7 | 0 | 0.0% |
| Charlotte County | 8 | 7 | 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: 404 applications in 2025, of which 295 were originated and 34 denied.
8.4% of all applications, or 9.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Dfcu Financial originated in Florida in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Dfcu Financial'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