Everence Federal Credit Union in Florida vs the state
17.7%Denial rate-3.41 pts vs state
20.9%Decision denial rate-6.31 pts vs state
66.7%Origination rate+13.98 pts vs state
5.49%Median rate-1.13 pts vs state
0.37Rate spread (pts)+0.10 pts vs state
$122kMedian applicant income
34Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 37 | 22.4% | 5.63% | #591 |
| 2024 | 63 | 39 | 31.8% | 5.49% | #560 |
| 2025 | 51 | 34 | 17.7% | 5.49% | #594 |
What Everence Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Everence Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 39 | 28 | 6 | 15.4% |
| Manatee County | 6 | 5 | 0 | 0.0% |
| Lee County | 2 | 0 | 1 | 50.0% |
| Escambia County | 1 | 0 | 1 | 100.0% |
| Marion County | 1 | 0 | 1 | 100.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 0 | 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: 51 applications in 2025, of which 34 were originated and 9 denied.
17.7% of all applications, or 20.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Everence Federal Credit Union originated in Florida in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Everence 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