UNIVERSITY Federal Credit Union in Florida vs the state
5.3%Denial rate-15.80 pts vs state
7.7%Decision denial rate-19.55 pts vs state
63.2%Origination rate+10.47 pts vs state
6.88%Median rate+0.25 pts vs state
0.57Rate spread (pts)+0.30 pts vs state
$202kMedian applicant income
12Loans originated
1Denied
What UNIVERSITY Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Johns County | 3 | 0 | 0 | 0.0% |
| Walton County | 2 | 1 | 0 | 0.0% |
| Duval County | 2 | 1 | 1 | 50.0% |
| Bay County | 2 | 2 | 0 | 0.0% |
| Brevard County | 2 | 2 | 0 | 0.0% |
| Volusia County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 0 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| Osceola County | 1 | 1 | 0 | 0.0% |
| Orange 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: 19 applications in 2025, of which 12 were originated and 1 denied.
5.3% of all applications, or 7.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are UNIVERSITY 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