FLORIDA CENTRAL CREDIT UNION
FLORIDA CENTRAL CREDIT UNION received 210 applications in 2025 and made 174 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 5.500% on a median loan of $85,000. Of 190 decisions, 14 were denials — 7.4%, most often for debt-to-income ratio. 5 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493007WNCT2YQ8O4H14 |
|---|---|
| Applications received | 210 |
| Mortgages made | 174 |
| Denied | 14 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.3185 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 | 16 | 6.125% | $260,000 | 0.0% |
| Refinancing | 155 | 4.990% | $85,000 | 7.6% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where FLORIDA CENTRAL CREDIT UNION lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pinellas County, FL | 57 | 4.990% | 3.4% |
| Hillsborough County, FL | 44 | 5.380% | 6.4% |
| Manatee County, FL | 19 | 6.600% | 9.5% |
| Sarasota County, FL | 16 | 4.990% | 5.9% |
| Pasco County, FL | 12 | 7.000% | 7.7% |
| Polk County, FL | 11 | 6.500% | 8.3% |
| Charlotte County, FL | 9 | Under 10 loans | 16.7% |
| Lee County, FL | 2 | Under 10 loans | 33.3% |
| Orange County, FL | 2 | Under 10 loans | 33.3% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
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When FLORIDA CENTRAL 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.