Elements Financial Federal Credit Union in Florida vs the state
15.4%Denial rate-5.68 pts vs state
19.4%Decision denial rate-7.89 pts vs state
61.5%Origination rate+8.85 pts vs state
4.99%Median rate-1.63 pts vs state
-2.27Rate spread (pts)-2.54 pts vs state
$133kMedian applicant income
24Loans originated
6Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 44 | 33.7% | 6.38% | #523 |
| 2024 | 36 | 18 | 36.1% | 6.25% | #663 |
| 2025 | 39 | 24 | 15.4% | 4.99% | #639 |
What Elements Financial Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 6 | 5 | 1 | 16.7% |
| Palm Beach County | 3 | 1 | 1 | 33.3% |
| Volusia County | 3 | 2 | 0 | 0.0% |
| Brevard County | 3 | 2 | 0 | 0.0% |
| Orange County | 3 | 2 | 1 | 33.3% |
| Hillsborough County | 3 | 2 | 1 | 33.3% |
| Charlotte County | 2 | 2 | 0 | 0.0% |
| Walton County | 2 | 0 | 0 | 0.0% |
| Sumter County | 2 | 1 | 0 | 0.0% |
| Sarasota County | 2 | 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: 39 applications in 2025, of which 24 were originated and 6 denied.
15.4% of all applications, or 19.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Elements Financial Federal Credit Union originated in Florida in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Elements Financial 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