Usalliance Federal Credit Union in Florida vs the state
14.1%Denial rate-6.93 pts vs state
16.5%Decision denial rate-10.78 pts vs state
70.7%Origination rate+17.96 pts vs state
8.00%Median rate+1.38 pts vs state
1.03Rate spread (pts)+0.76 pts vs state
$223kMedian applicant income
130Loans originated
26Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 59 | 13.7% | 9.25% | #452 |
| 2024 | 93 | 45 | 20.4% | 9.38% | #498 |
| 2025 | 184 | 130 | 14.1% | 8.00% | #382 |
What Usalliance Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 33 | 21 | 7 | 21.2% |
| Broward County | 28 | 23 | 3 | 10.7% |
| Orange County | 21 | 14 | 6 | 28.6% |
| Palm Beach County | 21 | 14 | 3 | 14.3% |
| Pinellas County | 12 | 8 | 1 | 8.3% |
| St. Johns County | 7 | 5 | 1 | 14.3% |
| Hillsborough County | 7 | 6 | 0 | 0.0% |
| Duval County | 7 | 3 | 2 | 28.6% |
| Seminole County | 5 | 3 | 0 | 0.0% |
| Lee County | 5 | 4 | 1 | 20.0% |
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: 184 applications in 2025, of which 130 were originated and 26 denied.
14.1% of all applications, or 16.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Usalliance Federal Credit Union originated in Florida in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Usalliance 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