Lafayette Federal Credit Union in Florida vs the state
25.0%Denial rate+3.94 pts vs state
32.3%Decision denial rate+5.02 pts vs state
52.5%Origination rate-0.19 pts vs state
7.50%Median rate+0.88 pts vs state
0.65Rate spread (pts)+0.38 pts vs state
$161kMedian applicant income
21Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 32 | 32.3% | 8.50% | #573 |
| 2024 | 85 | 50 | 22.4% | 9.00% | #509 |
| 2025 | 40 | 21 | 25.0% | 7.50% | #632 |
What Lafayette Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 5 | 3 | 1 | 20.0% |
| Orange County | 5 | 1 | 2 | 40.0% |
| Palm Beach County | 4 | 4 | 0 | 0.0% |
| Miami-Dade County | 4 | 4 | 0 | 0.0% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Manatee County | 3 | 0 | 3 | 100.0% |
| Bay County | 2 | 0 | 0 | 0.0% |
| Brevard County | 2 | 1 | 0 | 0.0% |
| Citrus County | 2 | 0 | 1 | 50.0% |
| Broward 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: 40 applications in 2025, of which 21 were originated and 10 denied.
25.0% of all applications, or 32.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Lafayette Federal Credit Union originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Lafayette 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