United Nations Federal Credit Union in Florida vs the state
20.3%Denial rate-0.72 pts vs state
26.1%Decision denial rate-1.15 pts vs state
57.6%Origination rate+4.94 pts vs state
5.88%Median rate-0.75 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$173kMedian applicant income
34Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 64 | 16.7% | 5.38% | #472 |
| 2024 | 93 | 53 | 16.1% | 6.25% | #497 |
| 2025 | 59 | 34 | 20.3% | 5.88% | #576 |
What United Nations 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 Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pasco County | 9 | 5 | 3 | 33.3% |
| Duval County | 6 | 3 | 0 | 0.0% |
| Broward County | 6 | 3 | 1 | 16.7% |
| Palm Beach County | 6 | 3 | 2 | 33.3% |
| St. Johns County | 4 | 4 | 0 | 0.0% |
| Lee County | 4 | 2 | 2 | 50.0% |
| Pinellas County | 3 | 0 | 2 | 66.7% |
| Miami-Dade County | 3 | 1 | 1 | 33.3% |
| Collier County | 3 | 3 | 0 | 0.0% |
| Charlotte County | 2 | 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: 59 applications in 2025, of which 34 were originated and 12 denied.
20.3% of all applications, or 26.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans United Nations Federal Credit Union originated in Florida in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are United Nations 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