First Technology Federal Credit Union in Florida vs the state
28.7%Denial rate+7.62 pts vs state
32.0%Decision denial rate+4.73 pts vs state
48.5%Origination rate-4.16 pts vs state
7.75%Median rate+1.13 pts vs state
0.55Rate spread (pts)+0.28 pts vs state
$150kMedian applicant income
66Loans originated
39Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 50 | 19.0% | 7.75% | #495 |
| 2024 | 85 | 38 | 27.1% | 8.25% | #510 |
| 2025 | 136 | 66 | 28.7% | 7.75% | #433 |
What First Technology Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 17 | 13 | 4 | 23.5% |
| Miami-Dade County | 14 | 5 | 5 | 35.7% |
| Hillsborough County | 13 | 4 | 3 | 23.1% |
| Palm Beach County | 10 | 6 | 3 | 30.0% |
| Seminole County | 9 | 4 | 2 | 22.2% |
| Sarasota County | 8 | 3 | 3 | 37.5% |
| Pasco County | 8 | 3 | 1 | 12.5% |
| Orange County | 8 | 3 | 3 | 37.5% |
| Pinellas County | 7 | 5 | 2 | 28.6% |
| Lee County | 6 | 3 | 1 | 16.7% |
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: 136 applications in 2025, of which 66 were originated and 39 denied.
28.7% of all applications, or 32.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Technology Federal Credit Union originated in Florida in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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