First Commerce Credit Union in Florida vs the state
17.3%Denial rate-3.81 pts vs state
19.2%Decision denial rate-8.08 pts vs state
63.0%Origination rate+10.28 pts vs state
7.25%Median rate+0.63 pts vs state
0.02Rate spread (pts)-0.25 pts vs state
$106kMedian applicant income
398Loans originated
109Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 524 | 311 | 20.2% | 7.44% | #227 |
| 2024 | 650 | 405 | 20.5% | 8.25% | #202 |
| 2025 | 632 | 398 | 17.3% | 7.25% | #210 |
What First Commerce Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Commerce Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 428 | 269 | 75 | 17.5% |
| Wakulla County | 52 | 33 | 5 | 9.6% |
| Jackson County | 44 | 28 | 9 | 20.5% |
| Gadsden County | 35 | 16 | 10 | 28.6% |
| Bay County | 18 | 14 | 2 | 11.1% |
| Jefferson County | 12 | 11 | 1 | 8.3% |
| Duval County | 6 | 4 | 0 | 0.0% |
| Orange County | 6 | 3 | 1 | 16.7% |
| Calhoun County | 4 | 4 | 0 | 0.0% |
| Liberty County | 3 | 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: 632 applications in 2025, of which 398 were originated and 109 denied.
17.3% of all applications, or 19.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Commerce Credit Union originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are First Commerce 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