ACHIEVA CREDIT UNION
ACHIEVA CREDIT UNION received 2,124 applications in 2025 and made 1,316 mortgages, in 40 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 1,987 decisions, 563 were denials — 28.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GFM3T3SN2KS138 |
|---|---|
| Applications received | 2,124 |
| Mortgages made | 1,316 |
| Denied | 563 |
| Approved, not taken up | 108 |
| Withdrawn or incomplete | 137 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 157 | 6.125% | $305,000 | 19.5% |
| Refinancing | 26 | 5.875% | $300,000 | 6.7% |
| Cash-out refinancing | 80 | 7.125% | $125,000 | 22.9% |
| Other purposes | 1,053 | 7.500% | $105,000 | 30.1% |
Where ACHIEVA CREDIT UNION lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pinellas County, FL | 595 | 7.250% | 25.5% |
| Sarasota County, FL | 224 | 7.250% | 27.6% |
| Pasco County, FL | 152 | 7.250% | 29.0% |
| Lee County, FL | 80 | 7.500% | 40.0% |
| Manatee County, FL | 66 | 7.250% | 26.3% |
| Charlotte County, FL | 62 | 7.250% | 32.1% |
| Hillsborough County, FL | 53 | 7.500% | 37.1% |
| Hernando County, FL | 25 | 7.250% | 29.0% |
| Collier County, FL | 10 | 7.375% | 21.4% |
| Polk County, FL | 9 | Under 10 loans | 10.0% |
| Citrus County, FL | 8 | Under 10 loans | 10.0% |
| Lake County, FL | 3 | Under 10 loans | 25.0% |
| Marion County, FL | 3 | Under 10 loans | 40.0% |
| Orange County, FL | 3 | Under 10 loans | 20.0% |
| Alachua County, FL | 2 | Under 10 loans | 0.0% |
| DeSoto County, FL | 2 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 60.0% |
| St. Johns County, FL | 2 | Under 10 loans | 0.0% |
| Volusia County, FL | 2 | Under 10 loans | 33.3% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Gilchrist County, FL | 1 | Under 10 loans | 0.0% |
| Hendry County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 50.0% |
| Cherokee County, NC | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Campbell County, TN | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 50.0% |
| Highlands County, FL | 0 | Under 10 loans | 0.0% |
| Putnam County, FL | 0 | Under 10 loans | 100.0% |
| Seminole County, FL | 0 | Under 10 loans | 50.0% |
| Walton County, FL | 0 | Under 10 loans | 0.0% |
| Catoosa County, GA | 0 | Under 10 loans | 100.0% |
| Coweta County, GA | 0 | Under 10 loans | Not published |
| Lee County, GA | 0 | Under 10 loans | 100.0% |
| Davidson County, TN | 0 | Under 10 loans | Not published |
Get told when this changes
When ACHIEVA CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.