FIRST FLORIDA Credit Union in Florida vs the state
18.7%Denial rate-2.33 pts vs state
28.7%Decision denial rate+1.42 pts vs state
46.2%Origination rate-6.47 pts vs state
7.15%Median rate+0.53 pts vs state
0.78Rate spread (pts)+0.52 pts vs state
$117kMedian applicant income
116Loans originated
47Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 445 | 205 | 26.1% | 6.41% | #245 |
| 2024 | 363 | 161 | 22.0% | 7.15% | #279 |
| 2025 | 251 | 116 | 18.7% | 7.15% | #338 |
What FIRST FLORIDA Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most FIRST FLORIDA Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 44 | 28 | 2 | 4.5% |
| Duval County | 44 | 22 | 8 | 18.2% |
| Broward County | 23 | 6 | 6 | 26.1% |
| St. Johns County | 18 | 7 | 4 | 22.2% |
| Miami-Dade County | 16 | 4 | 5 | 31.3% |
| Orange County | 11 | 5 | 2 | 18.2% |
| Palm Beach County | 8 | 4 | 3 | 37.5% |
| Gadsden County | 8 | 2 | 3 | 37.5% |
| Hillsborough County | 6 | 3 | 0 | 0.0% |
| Wakulla County | 6 | 2 | 2 | 33.3% |
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: 251 applications in 2025, of which 116 were originated and 47 denied.
18.7% of all applications, or 28.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans FIRST FLORIDA Credit Union originated in Florida in 2025 was 7.15%, against a statewide median of 6.63%.
About this data. Figures are FIRST FLORIDA 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