# FLORIDA CENTRAL CREDIT UNION

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


> **📋 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


FLORIDA CENTRAL CREDIT UNION is a credit union, headquartered in Tampa, FL, with 36 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):** 5493007WNCT2YQ8O4H14
- **Headquarters:** Tampa, 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:** 36
- **Dollar Volume:** $10 million
- **Applications Received:** 79
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,111
- **Average Borrower Income:** $163,972
- **Average Property Value:** $471,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 35 | -0.750% | $1,253 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 16/100 | 18 | $7M | -0.885% | Mediocre 😐 |
| Refinance | 26/100 | 18 | $3M | -0.480% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 36 | 0.01% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 13 | 52/100 |
| St. Petersburg | FL | 10 | 52/100 |

## Frequently Asked Questions

### What loan types does FLORIDA CENTRAL CREDIT UNION offer?

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

### Where does FLORIDA CENTRAL CREDIT UNION offer mortgages?

FLORIDA CENTRAL CREDIT UNION offers mortgages in 1 states: FL.

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

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

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

FLORIDA CENTRAL CREDIT UNION 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/florida-central-credit-union

### How to Cite

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

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