What loan types does Florida offer?

Florida offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Florida offer mortgages?

Florida offers mortgages in 1 states: FL.

How competitive are Florida's mortgage rates?

Florida has an overall pricing score of 71.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Florida?

Florida is a Credit Union headquartered in Gainesville, FL.

Unclaimed

Florida

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

Florida has 152 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

Mediocre

1/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 44.20 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Florida performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 44.2 bps below market avg

4/5

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

1/5

By Loan Product· Specialization by type

Conventional

148 loans · 0.42% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

84 loans · 0.71% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

68 loans · 0.16% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 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	Sound	Strong	Acceptable	148	97.4%	-0.424%Below	$1,440Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume148

Mix97.4%

Spread

-0.424%Below

Fees

$1,440Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Mediocre	84	55.3%	-0.715%Below	$1,419Fees
Refinance	Sound	Strong	Strong	Sound	68	44.7%	-0.160%Below	$1,445Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Mediocre

Volume84

Mix55.3%

Spread

-0.715%Below

Fees

$1,419Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume68

Mix44.7%

Spread

-0.160%Below

Fees

$1,445Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

152

Applications

946

Volume

$37 million

Pricing & Closing

Avg Rate Spread

-0.442%

vs. market APOR

Avg Net Fees

$1,432

Origination − Credits

Pullthrough Rate

16.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$244,605

Avg Borrower Income

$146,000

Avg Property Value

$384,342

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

South1

Top Metro Areas by Place Specialization Score

Ocala, FLMetro

Volume 57Mix 37.50% of portfolio

77/100

Strong

Gainesville, FLMetro

Volume 29Mix 19.08% of portfolio

67/100

Strong

Wildwood, FLMetro

Volume 10Mix 6.58% of portfolio

45/100

Sound

Top States by Place Specialization Score

FloridaState

Volume 152Mix 100.00% of portfolio

68/100

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.