COMMUNITY FIRST CREDIT UNION OF FLO
COMMUNITY FIRST CREDIT UNION OF FLO received 1,879 applications in 2025 and made 1,157 mortgages, in 63 counties across 13 states. The median rate its borrowers got was 6.840% on a median loan of $115,000. Of 1,533 decisions, 372 were denials — 24.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PIL90PE1ZLKI49 |
|---|---|
| Applications received | 1,879 |
| Mortgages made | 1,157 |
| Denied | 372 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 346 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.59 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 | 247 | 6.250% | $285,000 | 8.5% |
| Refinancing | 167 | 7.410% | $105,000 | 36.1% |
| Cash-out refinancing | 729 | 7.390% | $95,000 | 20.4% |
| Other purposes | 14 | 8.090% | $90,000 | 82.7% |
Where COMMUNITY FIRST CREDIT UNION OF FLO lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Duval County, FL | 642 | 6.875% | 25.4% |
| St. Johns County, FL | 202 | 7.120% | 20.8% |
| Clay County, FL | 131 | 6.820% | 24.7% |
| Nassau County, FL | 87 | 7.220% | 20.9% |
| Flagler County, FL | 10 | 6.743% | 16.7% |
| Alachua County, FL | 9 | Under 10 loans | 10.0% |
| Marion County, FL | 7 | Under 10 loans | 0.0% |
| Putnam County, FL | 7 | Under 10 loans | 0.0% |
| Baker County, FL | 5 | Under 10 loans | 44.4% |
| Volusia County, FL | 5 | Under 10 loans | 14.3% |
| Hillsborough County, FL | 4 | Under 10 loans | 33.3% |
| Orange County, FL | 4 | Under 10 loans | 0.0% |
| Broward County, FL | 3 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| Lake County, FL | 2 | Under 10 loans | 33.3% |
| Pasco County, FL | 2 | Under 10 loans | 50.0% |
| Seminole County, FL | 2 | Under 10 loans | 0.0% |
| Cherokee County, NC | 2 | Under 10 loans | 0.0% |
| Dale County, AL | 1 | Under 10 loans | 0.0% |
| Bradford County, FL | 1 | Under 10 loans | 66.7% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 50.0% |
| Leon County, FL | 1 | Under 10 loans | 66.7% |
| Levy County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 75.0% |
| Pinellas County, FL | 1 | Under 10 loans | 50.0% |
| Suwannee County, FL | 1 | Under 10 loans | 0.0% |
| Union County, FL | 1 | Under 10 loans | 50.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Camden County, GA | 1 | Under 10 loans | 0.0% |
| Coffee County, GA | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Lumpkin County, GA | 1 | Under 10 loans | 0.0% |
| Pickens County, GA | 1 | Under 10 loans | 0.0% |
| Wayne County, GA | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Caldwell County, NC | 1 | Under 10 loans | 0.0% |
| Clay County, NC | 1 | Under 10 loans | 0.0% |
| McDowell County, NC | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Summit County, UT | 1 | Under 10 loans | 0.0% |
| St. Croix County, WI | 1 | Under 10 loans | 0.0% |
| Sebastian County, AR | 0 | Under 10 loans | 100.0% |
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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.