Service Federal Credit Union in Florida vs the state
28.6%Denial rate+7.51 pts vs state
34.8%Decision denial rate+7.54 pts vs state
51.2%Origination rate-1.50 pts vs state
6.49%Median rate-0.13 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$117kMedian applicant income
43Loans originated
24Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 56 | 29.0% | 5.75% | #464 |
| 2024 | 74 | 33 | 28.4% | 6.49% | #530 |
| 2025 | 84 | 43 | 28.6% | 6.49% | #514 |
What Service Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 10 | 7 | 1 | 10.0% |
| Marion County | 8 | 6 | 2 | 25.0% |
| Okaloosa County | 6 | 4 | 1 | 16.7% |
| Brevard County | 6 | 1 | 2 | 33.3% |
| Manatee County | 5 | 3 | 2 | 40.0% |
| Palm Beach County | 5 | 2 | 2 | 40.0% |
| Charlotte County | 4 | 3 | 1 | 25.0% |
| Polk County | 4 | 1 | 1 | 25.0% |
| Miami-Dade County | 3 | 1 | 0 | 0.0% |
| Orange County | 3 | 1 | 1 | 33.3% |
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: 84 applications in 2025, of which 43 were originated and 24 denied.
28.6% of all applications, or 34.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Service Federal Credit Union originated in Florida in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Service 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