Royal Credit Union in Florida vs the state
10.0%Denial rate-11.06 pts vs state
10.0%Decision denial rate-17.24 pts vs state
80.0%Origination rate+27.31 pts vs state
6.88%Median rate+0.25 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$212kMedian applicant income
8Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 8 | 7.7% | 6.25% | #917 |
| 2024 | 8 | 7 | 12.5% | 6.75% | #978 |
| 2025 | 10 | 8 | 10.0% | 6.88% | #924 |
What Royal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Royal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Lucie County | 2 | 1 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Pinellas County | 1 | 1 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Charlotte County | 1 | 1 | 0 | 0.0% |
| Sarasota County | 1 | 0 | 1 | 100.0% |
| Brevard 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: 10 applications in 2025, of which 8 were originated and 1 denied.
10.0% of all applications, or 10.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Royal Credit Union originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal 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