JUSTICE Federal Credit Union in Florida vs the state
16.7%Denial rate-4.39 pts vs state
21.0%Decision denial rate-6.25 pts vs state
52.9%Origination rate+0.25 pts vs state
7.50%Median rate+0.88 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$137kMedian applicant income
54Loans originated
17Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 36 | 16.2% | 7.88% | #544 |
| 2024 | 77 | 36 | 19.5% | 8.75% | #525 |
| 2025 | 102 | 54 | 16.7% | 7.50% | #481 |
What JUSTICE Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 35 | 17 | 8 | 22.9% |
| Miami-Dade County | 23 | 12 | 3 | 13.0% |
| Hillsborough County | 6 | 4 | 0 | 0.0% |
| Duval County | 3 | 2 | 0 | 0.0% |
| Seminole County | 3 | 2 | 1 | 33.3% |
| Collier County | 3 | 1 | 2 | 66.7% |
| Brevard County | 3 | 2 | 1 | 33.3% |
| Marion County | 3 | 1 | 0 | 0.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Pasco County | 2 | 1 | 1 | 50.0% |
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: 102 applications in 2025, of which 54 were originated and 17 denied.
16.7% of all applications, or 21.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans JUSTICE Federal Credit Union originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are JUSTICE 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