Miami Firefighters Federal Credit Union in Florida vs the state
16.9%Denial rate-4.14 pts vs state
26.8%Decision denial rate-0.41 pts vs state
46.2%Origination rate-6.54 pts vs state
6.25%Median rate-0.38 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$157kMedian applicant income
90Loans originated
33Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 102 | 3.7% | 6.25% | #469 |
| 2024 | 70 | 66 | 1.4% | 7.25% | #542 |
| 2025 | 195 | 90 | 16.9% | 6.25% | #374 |
What Miami Firefighters Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Miami Firefighters Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 110 | 49 | 18 | 16.4% |
| Broward County | 47 | 23 | 7 | 14.9% |
| Palm Beach County | 17 | 7 | 6 | 35.3% |
| Martin County | 7 | 4 | 1 | 14.3% |
| St. Lucie County | 5 | 3 | 0 | 0.0% |
| Hillsborough County | 4 | 3 | 0 | 0.0% |
| Monroe County | 2 | 1 | 0 | 0.0% |
| Levy County | 1 | 0 | 0 | 0.0% |
| Charlotte County | 1 | 0 | 0 | 0.0% |
| Highlands County | 1 | 0 | 1 | 100.0% |
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: 195 applications in 2025, of which 90 were originated and 33 denied.
16.9% of all applications, or 26.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Miami Firefighters Federal Credit Union originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Miami Firefighters 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