Empeople Credit Union in Florida vs the state
28.4%Denial rate+7.30 pts vs state
35.2%Decision denial rate+7.95 pts vs state
50.8%Origination rate-1.94 pts vs state
6.24%Median rate-0.38 pts vs state
-0.39Rate spread (pts)-0.66 pts vs state
$149kMedian applicant income
34Loans originated
19Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 51 | 21.7% | 6.50% | #502 |
| 2024 | 79 | 43 | 16.5% | 6.88% | #520 |
| 2025 | 67 | 34 | 28.4% | 6.24% | #555 |
What Empeople Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 8 | 4 | 2 | 25.0% |
| Manatee County | 7 | 3 | 3 | 42.9% |
| Orange County | 6 | 3 | 2 | 33.3% |
| Lake County | 6 | 2 | 3 | 50.0% |
| Brevard County | 5 | 2 | 1 | 20.0% |
| Miami-Dade County | 4 | 2 | 1 | 25.0% |
| Palm Beach County | 4 | 0 | 2 | 50.0% |
| Hillsborough County | 3 | 3 | 0 | 0.0% |
| Escambia County | 3 | 1 | 1 | 33.3% |
| Seminole County | 2 | 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: 67 applications in 2025, of which 34 were originated and 19 denied.
28.4% of all applications, or 35.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Empeople Credit Union originated in Florida in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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