# COMMUNITY SOUTH

> **Canonical URL:** https://saferate.com/lenders/community-south


> **📋 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 SOUTH is a credit union, headquartered in Chipley, FL, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 9845003EDC545AF61498
- **Headquarters:** Chipley, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $5 million
- **Applications Received:** 72
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $151,452
- **Average Borrower Income:** $103,742
- **Average Property Value:** $247,903

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 31 | +0.448% | $1,085 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 21 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 12/100 | 10 | $1M | +0.578% | Mediocre 😐 |
| Refinance | 47/100 | 21 | $4M | +0.356% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 31 | 0.01% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Panama City | FL | 14 | 59/100 |
| Non |  | 13 | 35/100 |

## Where This Lender Ranks

COMMUNITY SOUTH appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Panama City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does COMMUNITY SOUTH offer?

COMMUNITY SOUTH offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COMMUNITY SOUTH offer mortgages?

COMMUNITY SOUTH offers mortgages in 1 states: FL.

### What type of lender is COMMUNITY SOUTH?

COMMUNITY SOUTH is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Chipley, FL.

### What is COMMUNITY SOUTH's loan approval success rate?

COMMUNITY SOUTH has a pull-through score of 26/100 (Acceptable). 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-south

### How to Cite

> "COMMUNITY SOUTH Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-south

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**[View Interactive Profile →](https://saferate.com/lenders/community-south)**