What loan types does Community First Credit Union of Flo offer?

Community First Credit Union of Flo offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Community First Credit Union of Flo offer mortgages?

Community First Credit Union of Flo offers mortgages in 10 states: CO, DE, FL, GA, MI, NH, OH, PA, SC, TN.

How competitive are Community First Credit Union of Flo's mortgage rates?

Community First Credit Union of Flo has an overall pricing score of 89.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community First Credit Union of Flo?

Community First Credit Union of Flo is a Credit Union headquartered in Jacksonville, FL.

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Community First Credit Union of Flo

Credit Union•Jacksonville, FLHQ•Direct•Reviews near you on Google

Community First Credit Union of Flo has 245 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 16.70 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Community First Credit Union of Flo performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 16.7 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

230 loans · 0.14% below market

Sound

Top 60% of lenders

3/5

Jumbo

15 loans · 0.55% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

192 loans · 0.27% below market

Sound

Top 60% of lenders

3/5

Refinance

53 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	230	93.9%	-0.142%Below	$822Credit
Jumbo Loans	Strong	Strong	—	Sound	15	6.1%	-0.553%Below	$16Credit

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume230

Mix93.9%

Spread

-0.142%Below

Fees

$822Credit

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume15

Mix6.1%

Spread

-0.553%Below

Fees

$16Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	192	78.4%	-0.267%Below	$488Credit
Refinance	Strong	Sound	Exceptional	Strong	53	21.6%	+0.197%Above	$1,813Credit

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume192

Mix78.4%

Spread

-0.267%Below

Fees

$488Credit

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume53

Mix21.6%

Spread

+0.197%Above

Fees

$1,813Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

245

Applications

423

Volume

$80 million

Pricing & Closing

Avg Rate Spread

-0.167%

vs. market APOR

Avg Net Fees

$-773

Origination − Credits

Pullthrough Rate

57.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$326,796

Avg Borrower Income

$147,339

Avg Property Value

$456,429

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

10Full-year 2024 · HMDA

Loans originated

< 200200+None

Northeast2

NHPA

Midwest2

MIOH

South5

DEFLGASCTN

West1

Top Metro Areas by Place Specialization Score

Jacksonville, FLMetro

Volume 204Mix 83.27% of portfolio

84/100

Exceptional

Top States by Place Specialization Score

FloridaState

Volume 227Mix 92.65% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.