Florida Central Credit Union in Florida vs the state
6.7%Denial rate-14.39 pts vs state
7.4%Decision denial rate-19.87 pts vs state
82.9%Origination rate+30.17 pts vs state
5.50%Median rate-1.13 pts vs state
1.32Rate spread (pts)+1.05 pts vs state
$111kMedian applicant income
174Loans originated
14Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 136 | 25.6% | 7.38% | #345 |
| 2024 | 108 | 62 | 20.4% | 6.25% | #470 |
| 2025 | 210 | 174 | 6.7% | 5.50% | #359 |
What Florida Central Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Florida Central Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 63 | 57 | 2 | 3.2% |
| Hillsborough County | 49 | 44 | 3 | 6.1% |
| Manatee County | 23 | 19 | 2 | 8.7% |
| Sarasota County | 17 | 16 | 1 | 5.9% |
| Charlotte County | 15 | 9 | 2 | 13.3% |
| Pasco County | 15 | 12 | 1 | 6.7% |
| Polk County | 13 | 11 | 1 | 7.7% |
| Orange County | 4 | 2 | 1 | 25.0% |
| Lee County | 3 | 2 | 1 | 33.3% |
| Duval County | 2 | 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: 210 applications in 2025, of which 174 were originated and 14 denied.
6.7% of all applications, or 7.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Florida Central Credit Union originated in Florida in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Florida Central 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