PARTNERS Federal Credit Union in Florida vs the state
32.8%Denial rate+11.70 pts vs state
39.5%Decision denial rate+12.23 pts vs state
49.8%Origination rate-2.94 pts vs state
7.00%Median rate+0.38 pts vs state
-0.20Rate spread (pts)-0.47 pts vs state
$108kMedian applicant income
606Loans originated
399Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,139 | 573 | 27.2% | 7.75% | #137 |
| 2024 | 1,013 | 504 | 33.5% | 8.00% | #150 |
| 2025 | 1,218 | 606 | 32.8% | 7.00% | #132 |
What PARTNERS Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most PARTNERS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 521 | 282 | 146 | 28.0% |
| Osceola County | 218 | 99 | 84 | 38.5% |
| Polk County | 182 | 71 | 83 | 45.6% |
| Lake County | 140 | 75 | 40 | 28.6% |
| Seminole County | 36 | 23 | 8 | 22.2% |
| Volusia County | 16 | 6 | 7 | 43.8% |
| Brevard County | 14 | 8 | 3 | 21.4% |
| Pasco County | 12 | 3 | 6 | 50.0% |
| Miami-Dade County | 9 | 7 | 2 | 22.2% |
| Hillsborough County | 7 | 2 | 3 | 42.9% |
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: 1,218 applications in 2025, of which 606 were originated and 399 denied.
32.8% of all applications, or 39.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans PARTNERS Federal Credit Union originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are PARTNERS 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