Three Rivers Federal Credit Union in Florida vs the state
10.5%Denial rate-10.53 pts vs state
13.3%Decision denial rate-13.91 pts vs state
57.9%Origination rate+5.20 pts vs state
7.63%Median rate+1.00 pts vs state
0.80Rate spread (pts)+0.54 pts vs state
$256kMedian applicant income
11Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 12 | 6.3% | 6.94% | #869 |
| 2024 | 16 | 12 | 6.3% | 7.58% | #823 |
| 2025 | 19 | 11 | 10.5% | 7.63% | #766 |
What Three Rivers Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Three Rivers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 6 | 4 | 0 | 0.0% |
| Collier County | 2 | 2 | 0 | 0.0% |
| Bay County | 2 | 1 | 0 | 0.0% |
| Escambia County | 2 | 1 | 1 | 50.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Sarasota County | 1 | 0 | 0 | 0.0% |
| Pinellas County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 0 | 0 | 0.0% |
| Volusia County | 1 | 1 | 0 | 0.0% |
| Gulf County | 1 | 0 | 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: 19 applications in 2025, of which 11 were originated and 2 denied.
10.5% of all applications, or 13.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Three Rivers Federal Credit Union originated in Florida in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Three Rivers 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