Teachers Federal Credit Union in Florida vs the state
15.2%Denial rate-5.91 pts vs state
26.3%Decision denial rate-0.92 pts vs state
41.7%Origination rate-11.02 pts vs state
6.25%Median rate-0.38 pts vs state
0.51Rate spread (pts)+0.25 pts vs state
$114kMedian applicant income
55Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 108 | 8.8% | 6.50% | #379 |
| 2024 | 146 | 83 | 8.9% | 7.74% | #426 |
| 2025 | 132 | 55 | 15.2% | 6.25% | #439 |
What Teachers Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Teachers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 22 | 5 | 4 | 18.2% |
| Palm Beach County | 17 | 7 | 4 | 23.5% |
| Collier County | 13 | 4 | 2 | 15.4% |
| Broward County | 13 | 7 | 4 | 30.8% |
| Miami-Dade County | 11 | 4 | 2 | 18.2% |
| Pinellas County | 8 | 4 | 0 | 0.0% |
| Pasco County | 7 | 5 | 1 | 14.3% |
| St. Lucie County | 6 | 1 | 1 | 16.7% |
| Volusia County | 4 | 0 | 0 | 0.0% |
| Lee County | 4 | 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: 132 applications in 2025, of which 55 were originated and 20 denied.
15.2% of all applications, or 26.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Teachers Federal Credit Union originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Teachers 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