USF Federal Credit Union in Florida vs the state
29.9%Denial rate+8.87 pts vs state
37.3%Decision denial rate+10.03 pts vs state
48.0%Origination rate-4.69 pts vs state
6.13%Median rate-0.50 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$120kMedian applicant income
324Loans originated
202Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 742 | 368 | 27.8% | 8.50% | #186 |
| 2024 | 761 | 333 | 34.6% | 8.50% | #183 |
| 2025 | 675 | 324 | 29.9% | 6.13% | #200 |
What USF Federal Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most USF Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 273 | 130 | 91 | 33.3% |
| Pasco County | 116 | 62 | 26 | 22.4% |
| Pinellas County | 84 | 44 | 17 | 20.2% |
| Sarasota County | 39 | 16 | 18 | 46.2% |
| Orange County | 32 | 11 | 8 | 25.0% |
| Polk County | 16 | 4 | 8 | 50.0% |
| Manatee County | 15 | 12 | 2 | 13.3% |
| Palm Beach County | 12 | 5 | 5 | 41.7% |
| Seminole County | 9 | 7 | 1 | 11.1% |
| Osceola County | 9 | 5 | 3 | 33.3% |
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: 675 applications in 2025, of which 324 were originated and 202 denied.
29.9% of all applications, or 37.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans USF Federal Credit Union originated in Florida in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are USF 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