Southwest Airlines Federal Credit Union in Florida vs the state
27.6%Denial rate+6.53 pts vs state
27.6%Decision denial rate+0.35 pts vs state
72.4%Origination rate+19.72 pts vs state
5.75%Median rate-0.88 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$149kMedian applicant income
21Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 38 | 29.6% | 5.50% | #612 |
| 2024 | 31 | 15 | 48.4% | 5.75% | #698 |
| 2025 | 29 | 21 | 27.6% | 5.75% | #695 |
What Southwest Airlines Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Southwest Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 4 | 3 | 1 | 25.0% |
| Orange County | 4 | 4 | 0 | 0.0% |
| Duval County | 4 | 4 | 0 | 0.0% |
| Osceola County | 4 | 0 | 4 | 100.0% |
| Pinellas County | 2 | 2 | 0 | 0.0% |
| Sumter County | 1 | 0 | 1 | 100.0% |
| Pasco County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 0 | 1 | 100.0% |
| Seminole County | 1 | 1 | 0 | 0.0% |
| Indian River 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: 29 applications in 2025, of which 21 were originated and 8 denied.
27.6% of all applications, or 27.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Southwest Airlines Federal Credit Union originated in Florida in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Southwest Airlines 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