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 score and performance metrics.

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 an overall pricing score of 70.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FIRST FLORIDA Credit Union?

FIRST FLORIDA Credit Union is a Credit Union headquartered in Jacksonville, FL.

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FIRST FLORIDA Credit Union

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

FIRST FLORIDA Credit Union has 78 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

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

FIRST FLORIDA Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+11.8 bps above market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.15% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

48 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

30 loans · 0.11% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 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	Sound	Acceptable	Strong	Acceptable	74	94.9%	+0.151%Above	$994Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume74

Mix94.9%

Spread

+0.151%Above

Fees

$994Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	48	61.5%	+0.124%Above	$712Fees
Refinance	Sound	Acceptable	Strong	Acceptable	30	38.5%	+0.108%Above	$1,655Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume48

Mix61.5%

Spread

+0.124%Above

Fees

$712Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume30

Mix38.5%

Spread

+0.108%Above

Fees

$1,655Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

183

Volume

$20 million

Pricing & Closing

Avg Rate Spread

+0.118%

vs. market APOR

Avg Net Fees

$1,048

Origination − Credits

Pullthrough Rate

42.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$266,410

Avg Borrower Income

$126,641

Avg Property Value

$398,974

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

6Full-year 2024 · HMDA

Loans originated

< 5050+None

South6

ALFLGAMDMSNC

Top Metro Areas by Place Specialization Score

Tallahassee, FLMetro

Volume 25Mix 32.05% of portfolio

64/100

Strong

Jacksonville, FLMetro

Volume 18Mix 23.08% of portfolio

54/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 67Mix 85.90% of portfolio

61/100

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.