Tennessee Valley FCU in Florida vs the state
20.0%Denial rate-1.06 pts vs state
28.6%Decision denial rate+1.33 pts vs state
50.0%Origination rate-2.69 pts vs state
6.05%Median rate-0.57 pts vs state
-0.09Rate spread (pts)-0.36 pts vs state
$96kMedian applicant income
5Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 33.3% | 6.60% | #1,098 |
| 2024 | 7 | 4 | 14.3% | 7.19% | #1,001 |
| 2025 | 10 | 5 | 20.0% | 6.05% | #930 |
What Tennessee Valley FCU lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Tennessee Valley FCU applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 4 | 1 | 1 | 25.0% |
| Bay County | 2 | 2 | 0 | 0.0% |
| Sarasota County | 1 | 1 | 0 | 0.0% |
| Sumter County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Escambia 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 5 were originated and 2 denied.
20.0% of all applications, or 28.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Tennessee Valley FCU originated in Florida in 2025 was 6.05%, against a statewide median of 6.63%.
About this data. Figures are Tennessee Valley FCU'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