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Mccoy Federal Credit Union in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Mccoy Federal Credit Union reported 456 applications and 136 originations for 2024, $13m in all.
Its denial rate in the state was 45.7%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 45.7%.
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Mccoy Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 45.7% | 29.0% | 45.7% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.4% | — | 15.6% |
| Average originated loan | $99k | $359k | $99k | $329k |
| Home purchase share | 4.4% | 62.9% | 4.4% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 4% (6)Home improvement 39% (53)Refinancing 2% (3)Cash-out refinancing 15% (21)Other purpose 39% (53)
By type
Conventional 100% (136)
Denial reasons as coded
Share of 165 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Orange County | 247 | 72 | $6.9m | 46.7% |
| Osceola County | 83 | 23 | $2.1m | 46.8% |
| Lake County | 53 | 16 | $2.0m | 47.7% |
| Seminole County | 42 | 16 | $1.7m | 25.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mccoy Federal Credit Union originate in Florida in 2024?
136 loans totalling $13m, from 456 applications reported for properties in Florida.
What is Mccoy Federal Credit Union's denial rate in Florida?
45.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 45.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Mccoy Federal Credit Union lend in most?
By originations: Orange County (72), Osceola County (23), Lake County (16), Seminole County (16).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.