# FIRST FLORIDA Credit Union

> **Canonical URL:** https://saferate.com/lenders/first-florida-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

FIRST FLORIDA Credit Union is a credit union, headquartered in Jacksonville, FL, serving borrowers across 6 states, with 78 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 77% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300EYKSNFOZRIBC29
- **Headquarters:** Jacksonville, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AL, FL, GA, MD, MS, NC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.118%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,048
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 78
- **Dollar Volume:** $21 million
- **Applications Received:** 183
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $266,410
- **Average Borrower Income:** $126,641

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 74 | +0.151% | $994 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 45 loans, Score: 33/100 (Acceptable)
- Refinance: 29 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 48 | $15M | +0.124% | Acceptable 🙂 |
| Refinance | 37/100 | 30 | $6M | +0.108% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 67 | 0.02% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tallahassee, FL | FL | 25 | 64/100 |
| Jacksonville, FL | FL | 18 | 54/100 |
| Non |  | 10 | 27/100 |

## Frequently Asked Questions

### What loan types does FIRST FLORIDA Credit Union offer?

FIRST FLORIDA 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 FIRST FLORIDA Credit Union offer mortgages?

FIRST FLORIDA Credit Union offers mortgages in 6 states: AL, FL, GA, MD, MS, NC.

### How competitive are FIRST FLORIDA Credit Union's mortgage rates?

FIRST FLORIDA Credit Union has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.118% above market average.

### What type of lender is FIRST FLORIDA Credit Union?

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

### What is FIRST FLORIDA Credit Union's loan approval success rate?

FIRST FLORIDA Credit Union has a pull-through score of 23/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/first-florida-credit-union

### How to Cite

> "FIRST FLORIDA Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-florida-credit-union

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