McCoy Federal Credit Union in Florida vs the state
34.6%Denial rate+13.53 pts vs state
48.8%Decision denial rate+21.53 pts vs state
30.8%Origination rate-21.88 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
106Loans originated
119Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 435 | 148 | 44.1% | — | #248 |
| 2024 | 456 | 136 | 36.2% | — | #251 |
| 2025 | 344 | 106 | 34.6% | — | #289 |
What McCoy Federal Credit Union lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most McCoy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 220 | 71 | 70 | 31.8% |
| Osceola County | 56 | 15 | 29 | 51.8% |
| Lake County | 27 | 8 | 8 | 29.6% |
| Seminole County | 24 | 9 | 6 | 25.0% |
| Polk County | 7 | 1 | 4 | 57.1% |
| Volusia County | 4 | 2 | 0 | 0.0% |
| Pinellas County | 2 | 0 | 1 | 50.0% |
| Brevard County | 1 | 0 | 0 | 0.0% |
| Flagler County | 1 | 0 | 1 | 100.0% |
| St. Lucie County | 1 | 0 | 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: 344 applications in 2025, of which 106 were originated and 119 denied.
34.6% of all applications, or 48.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are McCoy 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