Florida Credit Union in Florida vs the state
46.9%Denial rate+25.80 pts vs state
69.7%Decision denial rate+42.41 pts vs state
19.7%Origination rate-32.98 pts vs state
6.38%Median rate-0.25 pts vs state
-0.19Rate spread (pts)-0.46 pts vs state
$84kMedian applicant income
840Loans originated
1,997Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,855 | 877 | 43.5% | 7.38% | #52 |
| 2024 | 3,825 | 954 | 36.0% | 6.75% | #54 |
| 2025 | 4,262 | 840 | 46.9% | 6.38% | #49 |
What Florida Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Florida Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 1,081 | 280 | 524 | 48.5% |
| Alachua County | 581 | 179 | 208 | 35.8% |
| Volusia County | 183 | 39 | 112 | 61.2% |
| Columbia County | 178 | 56 | 69 | 38.8% |
| Palm Beach County | 119 | 9 | 81 | 68.1% |
| Citrus County | 115 | 21 | 57 | 49.6% |
| Levy County | 113 | 19 | 59 | 52.2% |
| Orange County | 100 | 18 | 61 | 61.0% |
| Lake County | 94 | 20 | 51 | 54.3% |
| Hillsborough County | 93 | 9 | 61 | 65.6% |
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: 4,262 applications in 2025, of which 840 were originated and 1,997 denied.
46.9% of all applications, or 69.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Florida Credit Union originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are 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