USF Federal Credit Union
USF Federal Credit Union received 677 applications in 2025 and made 324 mortgages, in 38 counties across 3 states. The median rate its borrowers got was 6.125% on a median loan of $160,000. Of 544 decisions, 204 were denials — 37.5%, most often for debt-to-income ratio. 4 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300LDC5KWHWDXTW48 |
|---|---|
| Applications received | 677 |
| Mortgages made | 324 |
| Denied | 204 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 133 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.11 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 | 102 | 6.313% | $315,000 | 12.8% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 87.3% |
| Cash-out refinancing | 23 | 6.125% | $175,000 | 44.4% |
| Other purposes | 192 | 4.990% | $95,000 | 37.6% |
Where USF Federal Credit Union lends most
The 38 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 | 130 | 6.375% | 40.3% |
| Pasco County, FL | 62 | 5.875% | 29.5% |
| Pinellas County, FL | 44 | 6.188% | 25.8% |
| Sarasota County, FL | 16 | 6.438% | 52.9% |
| Manatee County, FL | 12 | 6.000% | 14.3% |
| Orange County, FL | 11 | 5.875% | 36.4% |
| Seminole County, FL | 7 | Under 10 loans | 12.5% |
| Lake County, FL | 5 | Under 10 loans | 0.0% |
| Osceola County, FL | 5 | Under 10 loans | 37.5% |
| Palm Beach County, FL | 5 | Under 10 loans | 50.0% |
| Leon County, FL | 4 | Under 10 loans | 0.0% |
| Polk County, FL | 4 | Under 10 loans | 61.5% |
| Alachua County, FL | 3 | Under 10 loans | 0.0% |
| Hernando County, FL | 3 | Under 10 loans | 40.0% |
| Broward County, FL | 2 | Under 10 loans | 60.0% |
| Citrus County, FL | 2 | Under 10 loans | 33.3% |
| Lee County, FL | 2 | Under 10 loans | 33.3% |
| Brevard County, FL | 1 | Under 10 loans | 50.0% |
| Franklin County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 66.7% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 66.7% |
| Union County, FL | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
| Clay County, FL | 0 | Under 10 loans | 100.0% |
| Collier County, FL | 0 | Under 10 loans | Not published |
| Duval County, FL | 0 | Under 10 loans | 100.0% |
| Gilchrist County, FL | 0 | Under 10 loans | Not published |
| Glades County, FL | 0 | Under 10 loans | 100.0% |
| Highlands County, FL | 0 | Under 10 loans | 100.0% |
| Indian River County, FL | 0 | Under 10 loans | Not published |
| Nassau County, FL | 0 | Under 10 loans | 100.0% |
| Okaloosa County, FL | 0 | Under 10 loans | Not published |
| Putnam County, FL | 0 | Under 10 loans | 100.0% |
| Suwannee County, FL | 0 | Under 10 loans | 100.0% |
| Hidalgo County, TX | 0 | Under 10 loans | 100.0% |
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When USF Federal 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.