Empower Federal Credit Union in Florida vs the state
5.9%Denial rate-15.18 pts vs state
6.3%Decision denial rate-20.99 pts vs state
76.5%Origination rate+23.78 pts vs state
6.50%Median rate-0.13 pts vs state
—Rate spread (pts)
$135kMedian applicant income
13Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 6.06% | #1,195 |
| 2024 | 9 | 9 | 0.0% | 6.50% | #934 |
| 2025 | 17 | 13 | 5.9% | 6.50% | #790 |
What Empower Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Empower Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 5 | 4 | 0 | 0.0% |
| Sumter County | 3 | 3 | 0 | 0.0% |
| Pinellas County | 2 | 0 | 1 | 50.0% |
| Volusia County | 2 | 2 | 0 | 0.0% |
| Hillsborough County | 1 | 0 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Citrus County | 1 | 1 | 0 | 0.0% |
| Duval County | 1 | 1 | 0 | 0.0% |
| Charlotte 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: 17 applications in 2025, of which 13 were originated and 1 denied.
5.9% of all applications, or 6.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Empower Federal Credit Union originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Empower 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