Panhandle Credit Union in Florida vs the state
10.8%Denial rate-10.29 pts vs state
12.1%Decision denial rate-15.17 pts vs state
72.3%Origination rate+19.62 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
47Loans originated
7Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 78 | 8.1% | — | #488 |
| 2024 | 64 | 50 | 6.3% | — | #555 |
| 2025 | 65 | 47 | 10.8% | — | #563 |
What Panhandle Credit Union lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Panhandle Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 58 | 42 | 7 | 12.1% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Walton County | 2 | 1 | 0 | 0.0% |
| Okaloosa County | 1 | 1 | 0 | 0.0% |
| Calhoun County | 1 | 1 | 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: 65 applications in 2025, of which 47 were originated and 7 denied.
10.8% of all applications, or 12.1% 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 Panhandle 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