RadiFi Credit Union in Florida vs the state
9.9%Denial rate-11.21 pts vs state
11.3%Decision denial rate-15.94 pts vs state
77.3%Origination rate+24.65 pts vs state
6.58%Median rate-0.05 pts vs state
0.45Rate spread (pts)+0.18 pts vs state
$109kMedian applicant income
314Loans originated
40Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 198 | 14.0% | 7.33% | #322 |
| 2024 | 252 | 184 | 8.7% | 7.63% | #344 |
| 2025 | 406 | 314 | 9.9% | 6.58% | #266 |
What RadiFi Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most RadiFi Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 221 | 169 | 27 | 12.2% |
| Clay County | 78 | 63 | 7 | 9.0% |
| St. Johns County | 41 | 32 | 1 | 2.4% |
| Nassau County | 14 | 10 | 1 | 7.1% |
| Lee County | 5 | 1 | 2 | 40.0% |
| Hillsborough County | 5 | 3 | 0 | 0.0% |
| Pasco County | 4 | 4 | 0 | 0.0% |
| Pinellas County | 4 | 3 | 0 | 0.0% |
| Flagler County | 3 | 3 | 0 | 0.0% |
| Bradford County | 3 | 3 | 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: 406 applications in 2025, of which 314 were originated and 40 denied.
9.9% of all applications, or 11.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans RadiFi Credit Union originated in Florida in 2025 was 6.58%, against a statewide median of 6.63%.
About this data. Figures are RadiFi 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