FIRST FLORIDA Credit Union
FIRST FLORIDA Credit Union received 257 applications in 2025 and made 121 mortgages, in 270 counties across 20 states. The median rate its borrowers got was 7.125% on a median loan of $165,000. Of 169 decisions, 47 were denials — 27.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300EYKSNFOZRIBC29 |
|---|---|
| Applications received | 257 |
| Mortgages made | 121 |
| Denied | 47 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 88 |
| Loans bought from other lenders | 350 |
| Median rate spread over the prime offer rate | 0.7575 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 | 43 | 6.250% | $315,000 | 4.4% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 76.9% |
| Cash-out refinancing | 41 | 7.250% | $165,000 | 28.1% |
| Other purposes | 35 | 7.660% | $75,000 | 35.2% |
Where FIRST FLORIDA Credit Union 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 |
|---|---|---|---|
| Leon County, FL | 28 | 7.125% | 6.7% |
| Duval County, FL | 22 | 6.938% | 26.7% |
| St. Johns County, FL | 7 | Under 10 loans | 36.4% |
| Broward County, FL | 6 | Under 10 loans | 50.0% |
| Clay County, FL | 5 | Under 10 loans | 0.0% |
| Orange County, FL | 5 | Under 10 loans | 28.6% |
| Miami-Dade County, FL | 4 | Under 10 loans | 55.6% |
| Palm Beach County, FL | 4 | Under 10 loans | 42.9% |
| Franklin County, FL | 3 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 3 | Under 10 loans | 0.0% |
| Jefferson County, FL | 3 | Under 10 loans | 0.0% |
| Nassau County, FL | 3 | Under 10 loans | 40.0% |
| Bradford County, FL | 2 | Under 10 loans | 0.0% |
| Flagler County, FL | 2 | Under 10 loans | 0.0% |
| Gadsden County, FL | 2 | Under 10 loans | 60.0% |
| Pinellas County, FL | 2 | Under 10 loans | 33.3% |
| Wakulla County, FL | 2 | Under 10 loans | 50.0% |
| Brevard County, FL | 1 | Under 10 loans | 50.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Lafayette County, FL | 1 | Under 10 loans | 50.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 50.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 50.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 50.0% |
| Seminole County, FL | 1 | Under 10 loans | 50.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Lowndes County, GA | 1 | Under 10 loans | 0.0% |
| Ware County, GA | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Raleigh County, WV | 1 | Under 10 loans | 0.0% |
| Bibb County, AL | 0 | Under 10 loans | Not published |
| Blount County, AL | 0 | Under 10 loans | Not published |
| Calhoun County, AL | 0 | Under 10 loans | Not published |
| Chilton County, AL | 0 | Under 10 loans | Not published |
| Cleburne County, AL | 0 | Under 10 loans | Not published |
| Escambia County, AL | 0 | Under 10 loans | Not published |
| Etowah County, AL | 0 | Under 10 loans | Not published |
| Fayette County, AL | 0 | Under 10 loans | Not published |
| Jefferson County, AL | 0 | Under 10 loans | Not published |
| Lamar County, AL | 0 | Under 10 loans | Not published |
| Lawrence County, AL | 0 | Under 10 loans | Not published |
| Lee County, AL | 0 | Under 10 loans | Not published |
| Madison County, AL | 0 | Under 10 loans | Not published |
| Marshall County, AL | 0 | Under 10 loans | Not published |
| Morgan County, AL | 0 | Under 10 loans | Not published |
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When FIRST FLORIDA Credit Union’s figures are published for the next year, or restated.
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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.