Grow Financial Federal Credit Union
Grow Financial Federal Credit Union received 576 applications in 2025 and made 412 mortgages, in 67 counties across 6 states. The median rate its borrowers got was 6.795% on a median loan of $145,000. Of 521 decisions, 98 were denials — 18.8%, most often for debt-to-income ratio. 12 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300FOCEH0X0ZOR362 |
|---|---|
| Applications received | 576 |
| Mortgages made | 412 |
| Denied | 98 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 55 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.125 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 | 134 | 6.000% | $305,000 | 8.6% |
| Refinancing | 48 | 6.250% | $215,000 | 23.1% |
| Cash-out refinancing | 56 | 6.563% | $155,000 | 27.9% |
| Other purposes | 174 | 8.500% | $65,000 | 21.3% |
Where Grow Financial Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hillsborough County, FL | 139 | 8.000% | 20.4% |
| Pinellas County, FL | 88 | 6.625% | 19.3% |
| Pasco County, FL | 56 | 8.250% | 13.4% |
| Manatee County, FL | 25 | 8.250% | 24.2% |
| Hernando County, FL | 11 | 8.000% | 26.7% |
| Lexington County, SC | 10 | 6.438% | 0.0% |
| Sarasota County, FL | 8 | Under 10 loans | 20.0% |
| Richland County, SC | 8 | Under 10 loans | 27.3% |
| Polk County, FL | 5 | Under 10 loans | 16.7% |
| Orangeburg County, SC | 4 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 3 | Under 10 loans | 0.0% |
| Marion County, FL | 3 | Under 10 loans | 0.0% |
| Seminole County, FL | 3 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 33.3% |
| Palm Beach County, FL | 2 | Under 10 loans | 33.3% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Dorchester County, SC | 2 | Under 10 loans | 25.0% |
| Greenville County, SC | 2 | Under 10 loans | 0.0% |
| Davidson County, TN | 2 | Under 10 loans | 0.0% |
| Blount County, AL | 1 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 50.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Clinch County, GA | 1 | Under 10 loans | 0.0% |
| Douglas County, GA | 1 | Under 10 loans | 0.0% |
| Effingham County, GA | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Hart County, GA | 1 | Under 10 loans | 0.0% |
| Paulding County, GA | 1 | Under 10 loans | 0.0% |
| Rockdale County, GA | 1 | Under 10 loans | 0.0% |
| Towns County, GA | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
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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.