LEI 254900FB4VEI37KZPQ74 · MIAMI, FL
Miami Postal Service Credit Un
Denial sits in the upper fleet tercile at 28.1% across 171 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Miami Postal Service Credit Un posts a 28.1% denial rate, above the fleet's upper tercile (~13.79%) - across 171 applications with 110 originations. Leading cited denial reason: other. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 64.3%
- Origination share
- 110
- Originated
- 28.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
171reported applications
Where Miami Postal Service Credit Un sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
110 43rd percentile higher than 43% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Miami Postal Service Credit…
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Miami Postal Service Credit…
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Miami Postal Service Credit Un's 64.3% origination rate and 28.1% denial rate sit on a mid-tercile originated book (110 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Other, Credit history, Unverifiable information. Program weight concentrates in Conventional (171 applications).
How to read Miami Postal Service Credit Un. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Miami Postal Service Credit…
Miami Postal Service Credit Un filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 171 | 110 | 48 | $109,386 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Miami Postal Service Credit Un (LEI: 254900FB4VEI37KZPQ74) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 82 | 55 | $100,976 |
| Other | 74 | 45 | $103,919 |
| Refinancing | 15 | 10 | $182,333 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 130 | 73.1% | 23.9% |
| Black or African American * | 33 | 42.4% | 36.4% |
| American Indian or Alaska Native * | 1 | 0.0% | 100.0% |
| Asian * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Hispanic or Latino | 108 | 71.3% | 25.0% |
| Not Hispanic or Latino * | 49 | 55.1% | 30.6% |
| Joint * | 7 | 85.7% | 14.3% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in FL
Other HMDA-reporting lenders in FL with similar activity. Compare any two side-by-side.
One of 151 other HMDA-reporting lenders in FL, 5 are shown here.
Freedom Mortgage Corporation
BOCA RATON, FL
Lakeview Loan Servicing, LLC
Coral Gables, FL
Triad Financial Services, INC.
JACKSONVILLE, FL
Lennar Mortgage, LLC
MIAMI, FL
Phh Mortgage Corporation
West Palm Beach, FL
Read with Miami Postal Service Credit Un
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Miami Postal Service Credit Un (LEI 254900FB4VEI37KZPQ74).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Miami Postal Service Credit Un.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Miami Postal Service Credit Un page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.