Community First Credit Union of Flo in Florida vs the state
19.8%Denial rate-1.22 pts vs state
24.3%Decision denial rate-2.92 pts vs state
61.5%Origination rate+8.83 pts vs state
6.88%Median rate+0.25 pts vs state
0.62Rate spread (pts)+0.35 pts vs state
$108kMedian applicant income
1,135Loans originated
366Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,477 | 762 | 26.7% | 7.00% | #111 |
| 2024 | 1,969 | 1,131 | 23.4% | 6.94% | #92 |
| 2025 | 1,845 | 1,135 | 19.8% | 6.88% | #98 |
What Community First Credit Union of Flo lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Community First Credit Union of Flo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 1,047 | 642 | 220 | 21.0% |
| St. Johns County | 330 | 202 | 53 | 16.1% |
| Clay County | 209 | 131 | 43 | 20.6% |
| Nassau County | 129 | 87 | 23 | 17.8% |
| Alachua County | 12 | 9 | 1 | 8.3% |
| Flagler County | 12 | 10 | 2 | 16.7% |
| Volusia County | 12 | 5 | 1 | 8.3% |
| Baker County | 10 | 5 | 4 | 40.0% |
| Putnam County | 9 | 7 | 0 | 0.0% |
| Palm Beach County | 7 | 1 | 3 | 42.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,845 applications in 2025, of which 1,135 were originated and 366 denied.
19.8% of all applications, or 24.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Community First Credit Union of Flo originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Community First Credit Union of Flo's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology