Lender in Florida · HMDA 2025
Community First Credit Union of Flo mortgages in Florida
Community First Credit Union of Flo's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Community First Credit Union of Flo originated 402 owner-occupied single-family loans in Florida from 495 completed applications.
Its median conventional purchase loan costs were $3,620 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.25% (Florida: 6.625%).
Loans in FL
402
of 495 applications
Denial rate
6.5%
Purchase · FL 12.8%
Rate spread
−0.21 pts
Conv. · FL +0.14 pts
Loan amount
$295,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 231 | 215 | 6.5% | 6.250% | −0.21 pts | $3,620 | $295,000 |
| Refinance | 70 | 39 | 42.9% | — | −0.10 pts | $0 | $165,000 |
| Cash-out refinance | 194 | 148 | 23.7% | 6.875% | −0.05 pts | $0 | $105,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Community First Credit Union of Flo ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Duval County | 12 | 242 | 1.8% |
| Nassau County | 20 | 22 | 1.3% |
| St. Johns County | 23 | 71 | 1.0% |
| Baker County | 24 | 3 | 1.1% |
| Clay County | 25 | 33 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology