# COMMUNITY CREDIT UNION of FLORIDA

> **Canonical URL:** https://saferate.com/lenders/community-credit-union-of-florida


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COMMUNITY CREDIT UNION of FLORIDA is a credit union, headquartered in Rockledge, FL, with 147 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930030C6U0HERIQ090
- **Headquarters:** Rockledge, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.046%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,457
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 147
- **Dollar Volume:** $55 million
- **Applications Received:** 252
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $374,796
- **Average Borrower Income:** $199,381
- **Average Property Value:** $515,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 118 | +0.207% | $1,520 | Sound ☺️ |
| Jumbo | 68/100 | 15 | -0.875% | $1,200 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 43/100 (Sound)
- Refinance: 30 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 109 | $37M | +0.101% | Sound ☺️ |
| Refinance | 52/100 | 38 | $18M | -0.134% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 147 | 0.05% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Palm Bay | FL | 131 | 85/100 |

## Where This Lender Ranks

COMMUNITY CREDIT UNION of FLORIDA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Palm Bay for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Palm Bay for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Palm Bay Credit Unions
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Palm Bay for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Palm Bay for Jumbo Loans
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Palm Bay
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does COMMUNITY CREDIT UNION of FLORIDA offer?

COMMUNITY CREDIT UNION of FLORIDA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COMMUNITY CREDIT UNION of FLORIDA offer mortgages?

COMMUNITY CREDIT UNION of FLORIDA offers mortgages in 1 states: FL.

### How competitive are COMMUNITY CREDIT UNION of FLORIDA's mortgage rates?

COMMUNITY CREDIT UNION of FLORIDA has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.046% above market average.

### What type of lender is COMMUNITY CREDIT UNION of FLORIDA?

COMMUNITY CREDIT UNION of FLORIDA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rockledge, FL.

### What is COMMUNITY CREDIT UNION of FLORIDA's loan approval success rate?

COMMUNITY CREDIT UNION of FLORIDA has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-credit-union-of-florida

### How to Cite

> "COMMUNITY CREDIT UNION of FLORIDA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-credit-union-of-florida

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