Together Credit Union in Florida vs the state
24.1%Denial rate+3.08 pts vs state
31.8%Decision denial rate+4.58 pts vs state
49.4%Origination rate-3.26 pts vs state
7.50%Median rate+0.88 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$125kMedian applicant income
43Loans originated
21Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 59 | 32.8% | 5.99% | #450 |
| 2024 | 94 | 60 | 11.7% | 7.81% | #492 |
| 2025 | 87 | 43 | 24.1% | 7.50% | #511 |
What Together Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 20 | 11 | 5 | 25.0% |
| Hillsborough County | 16 | 6 | 2 | 12.5% |
| Duval County | 9 | 3 | 2 | 22.2% |
| Nassau County | 6 | 4 | 1 | 16.7% |
| Pasco County | 4 | 2 | 1 | 25.0% |
| Pinellas County | 4 | 1 | 2 | 50.0% |
| Palm Beach County | 4 | 2 | 1 | 25.0% |
| Lee County | 3 | 2 | 0 | 0.0% |
| Polk County | 3 | 2 | 1 | 33.3% |
| Broward County | 2 | 0 | 2 | 100.0% |
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: 87 applications in 2025, of which 43 were originated and 21 denied.
24.1% of all applications, or 31.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Together Credit Union originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Together 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