Community First Credit Union of Flo mortgage approval rate & lending review
Community First Credit Union of Flo decided 3,073 mortgage applications and funded 2,305 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community First Credit Union of Flo reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community First Credit Union of Flo at a glance
Approval is 3.7 points above the 71.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 528 / 652 | 100% | $305K | 526 |
| Home improvement loans | 76% | 788 / 1,040 | 100% | $65K | 787 |
| Cash-out refinance | 78% | 764 / 983 | 100% | $105K | 763 |
| Refinance | 61% | 180 / 293 | 99% | $105K | 179 |
| Investment property purchase | 70% | 35 / 50 | 97% | $175K | 34 |
| Investment cash-out refinance | 39% | 11 / 28 | 100% | $175K | 11 |
Community First Credit Union of Flo lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 75% | $105K | 3,037 | 2,279 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Community First Credit Union of Flo lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Duval County, FL | Home improvement loans | 75% | 702 | 527 |
| Duval County, FL | Cash-out refinance | 77% | 630 | 487 |
| Duval County, FL | Mortgage lenders | 81% | 391 | 315 |
| St. Johns County, FL | Cash-out refinance | 78% | 186 | 146 |
| St. Johns County, FL | Home improvement loans | 81% | 168 | 136 |
| Duval County, FL | Refinance | 57% | 188 | 106 |
| Clay County, FL | Cash-out refinance | 77% | 137 | 105 |
| Clay County, FL | Home improvement loans | 74% | 139 | 103 |
| St. Johns County, FL | Mortgage lenders | 77% | 119 | 92 |
| Clay County, FL | Mortgage lenders | 86% | 58 | 50 |
| St. Johns County, FL | Refinance | 76% | 46 | 35 |
| Clay County, FL | Refinance | 61% | 44 | 27 |
The county markets where Community First Credit Union of Flo made the most loans. Each link opens that market with every lender ranked.
Questions about Community First Credit Union of Flo
What is Community First Credit Union of Flo's mortgage approval rate?
Community First Credit Union of Flo approved 75.2% of the 3,073 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan Community First Credit Union of Flo offers?
Borrowers accepted 100% of the loans Community First Credit Union of Flo approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Community First Credit Union of Flo make?
The typical home improvement loan loan Community First Credit Union of Flo made was $65K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Community First Credit Union of Flo lend?
Community First Credit Union of Flo decided applications in 14 of the states Fat Boy Data covers, most of them in Florida, Georgia and South Carolina.
Can I apply to Community First Credit Union of Flo directly?
Yes. Community First Credit Union of Flo is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community First Credit Union of Flo's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Community First Credit Union of Flo treats applications, then get a rate quote from the lender.