Floridacentral Credit Union mortgage approval rate & lending review
Floridacentral Credit Union decided 397 mortgage applications and funded 324 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Floridacentral Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Floridacentral Credit Union at a glance
Approval is 8.6 points above the 73.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 32 / 35 | 100% | $295K | 32 |
| Home improvement loans | 69% | 63 / 91 | 100% | $55K | 63 |
| Cash-out refinance | 72% | 41 / 57 | 100% | $75K | 41 |
| Refinance | 88% | 177 / 200 | 99% | $105K | 176 |
Floridacentral Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 82% | $105K | 397 | 324 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Floridacentral Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pinellas County, FL | Refinance | 95% | 66 | 63 |
| Hillsborough County, FL | Refinance | 89% | 45 | 40 |
| Manatee County, FL | Refinance | 87% | 23 | 20 |
| Pinellas County, FL | Home improvement loans | 69% | 26 | 18 |
The county markets where Floridacentral Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Floridacentral Credit Union
What is Floridacentral Credit Union's mortgage approval rate?
Floridacentral Credit Union approved 81.9% of the 397 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 73.3% national rate for the same mix of loan types.
How often do borrowers take the loan Floridacentral Credit Union offers?
Borrowers accepted 100% of the loans Floridacentral Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Floridacentral Credit Union make?
The typical mortgage refinance loan Floridacentral Credit Union made was $105K; across all loan types its typical loan ran from $55K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Floridacentral Credit Union lend?
Floridacentral Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Florida.
Can I apply to Floridacentral Credit Union directly?
Yes. Floridacentral Credit Union is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Floridacentral Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Floridacentral Credit Union treats applications, then get a rate quote from the lender.