United Federal Credit Union in Florida vs the state
25.7%Denial rate+4.65 pts vs state
29.0%Decision denial rate+1.79 pts vs state
57.1%Origination rate+4.45 pts vs state
6.93%Median rate+0.31 pts vs state
0.23Rate spread (pts)-0.04 pts vs state
$157kMedian applicant income
20Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 27 | 34.6% | 7.13% | #606 |
| 2024 | 24 | 12 | 33.3% | 7.44% | #730 |
| 2025 | 35 | 20 | 25.7% | 6.93% | #658 |
What United Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charlotte County | 4 | 3 | 0 | 0.0% |
| Lee County | 4 | 3 | 0 | 0.0% |
| Orange County | 3 | 2 | 1 | 33.3% |
| Hillsborough County | 2 | 1 | 1 | 50.0% |
| Collier County | 2 | 2 | 0 | 0.0% |
| Citrus County | 2 | 1 | 1 | 50.0% |
| Miami-Dade County | 2 | 1 | 0 | 0.0% |
| Pinellas County | 2 | 1 | 1 | 50.0% |
| Indian River County | 2 | 1 | 0 | 0.0% |
| Manatee County | 2 | 1 | 1 | 50.0% |
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: 35 applications in 2025, of which 20 were originated and 9 denied.
25.7% of all applications, or 29.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans United Federal Credit Union originated in Florida in 2025 was 6.93%, against a statewide median of 6.63%.
About this data. Figures are United 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