FIRST FLORIDA Credit Union mortgage approval rate & lending review
FIRST FLORIDA Credit Union decided 449 mortgage applications and funded 311 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions FIRST FLORIDA Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
FIRST FLORIDA Credit Union at a glance
Approval is 0.5 points below the 72.6% 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 | 90% | 102 / 113 | 97% | $265K | 99 |
| Home improvement loans | 62% | 75 / 121 | 97% | $75K | 73 |
| Cash-out refinance | 68% | 113 / 167 | 96% | $125K | 108 |
| Refinance | 62% | 16 / 26 | 88% | $95K | 14 |
FIRST FLORIDA Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 72% | $125K | 436 | 301 |
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 FIRST FLORIDA Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Duval County, FL | Cash-out refinance | 70% | 50 | 35 |
| Leon County, FL | Mortgage lenders | 97% | 34 | 31 |
| Leon County, FL | Cash-out refinance | 84% | 32 | 25 |
| Leon County, FL | Home improvement loans | 67% | 30 | 20 |
| Duval County, FL | Home improvement loans | 78% | 23 | 17 |
The county markets where FIRST FLORIDA Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about FIRST FLORIDA Credit Union
What is FIRST FLORIDA Credit Union's mortgage approval rate?
FIRST FLORIDA Credit Union approved 72.2% of the 449 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.5 points below the 72.6% national rate for the same mix of loan types.
How often do borrowers take the loan FIRST FLORIDA Credit Union offers?
Borrowers accepted 96% of the loans FIRST FLORIDA Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does FIRST FLORIDA Credit Union make?
The typical cash-out refinance loan FIRST FLORIDA Credit Union made was $125K; across all loan types its typical loan ran from $75K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does FIRST FLORIDA Credit Union lend?
FIRST FLORIDA Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Florida, Georgia and North Carolina.
Can I apply to FIRST FLORIDA Credit Union directly?
Yes. FIRST FLORIDA Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show FIRST FLORIDA Credit Union'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 FIRST FLORIDA Credit Union treats applications, then get a rate quote from the lender.