# FLORIDA

> **Canonical URL:** https://saferate.com/lenders/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


FLORIDA is a credit union, headquartered in Gainesville, FL, with 152 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 84% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493006ZBGVXBAMCRG16
- **Headquarters:** Gainesville, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** -0.442%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,432
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 152
- **Dollar Volume:** $37 million
- **Applications Received:** 946
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $244,605
- **Average Borrower Income:** $146,000
- **Average Property Value:** $384,342

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 148 | -0.424% | $1,440 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 39/100 (Acceptable)
- Refinance: 68 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 84 | $26M | -0.715% | Acceptable 🙂 |
| Refinance | 61/100 | 68 | $11M | -0.160% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 152 | 0.05% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ocala, FL | FL | 57 | 77/100 |
| Gainesville, FL | FL | 29 | 67/100 |
| Non |  | 20 | 34/100 |
| Wildwood | FL | 10 | 45/100 |

## Where This Lender Ranks

FLORIDA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Wildwood for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wildwood/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Ocala, FL Credit Unions
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Ocala, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Gainesville, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does FLORIDA offer?

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

### Where does FLORIDA offer mortgages?

FLORIDA offers mortgages in 1 states: FL.

### How competitive are FLORIDA's mortgage rates?

FLORIDA has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.442% below market average.

### What type of lender is FLORIDA?

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

### What is FLORIDA's loan approval success rate?

FLORIDA has a pull-through score of 16/100 (Mediocre). 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

### How to Cite

> "FLORIDA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/florida

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