# COMMUNITY FIRST CREDIT UNION OF FLO

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


> **📋 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 FIRST CREDIT UNION OF FLO is a credit union, headquartered in Jacksonville, FL, serving borrowers across 10 states, with 245 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PIL90PE1ZLKI49
- **Headquarters:** Jacksonville, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** CO, DE, FL, GA, MI, NH, OH, PA, SC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.167%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-773
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 245
- **Dollar Volume:** $80 million
- **Applications Received:** 423
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $326,796
- **Average Borrower Income:** $147,339
- **Average Property Value:** $456,429

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 230 | -0.142% | $-822 | Sound ☺️ |
| Jumbo | 66/100 | 15 | -0.553% | $-16 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 178 loans, Score: 50/100 (Sound)
- Refinance: 52 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 192 | $70M | -0.267% | Sound ☺️ |
| Refinance | 54/100 | 53 | $10M | +0.197% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 227 | 0.08% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Jacksonville, FL | FL | 204 | 84/100 |
| Non |  | 13 | 25/100 |

## Where This Lender Ranks

COMMUNITY FIRST CREDIT UNION OF FLO appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Jacksonville, FL Credit Unions
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Jacksonville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Jacksonville, FL for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in Jacksonville, FL
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders)
- 🏆 **#11** in Jacksonville, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Jacksonville, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does COMMUNITY FIRST CREDIT UNION OF FLO offer?

COMMUNITY FIRST CREDIT UNION OF FLO 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 FIRST CREDIT UNION OF FLO offer mortgages?

COMMUNITY FIRST CREDIT UNION OF FLO offers mortgages in 10 states: CO, DE, FL, GA, MI, NH, OH, PA, SC, TN.

### How competitive are COMMUNITY FIRST CREDIT UNION OF FLO's mortgage rates?

COMMUNITY FIRST CREDIT UNION OF FLO has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.167% below market average.

### What type of lender is COMMUNITY FIRST CREDIT UNION OF FLO?

COMMUNITY FIRST CREDIT UNION OF FLO is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Jacksonville, FL.

### What is COMMUNITY FIRST CREDIT UNION OF FLO's loan approval success rate?

COMMUNITY FIRST CREDIT UNION OF FLO has a pull-through score of 49/100 (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-first-credit-union-of-flo

### How to Cite

> "COMMUNITY FIRST CREDIT UNION OF FLO Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-first-credit-union-of-flo

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