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First Florida Credit Union in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, First Florida Credit Union reported 363 applications and 161 originations for 2024, $28m in all.
Its denial rate in the state was 33.1%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 31.9%.
The median rate spread on its Florida originations was 0.8 percentage points (state median 0.3).
Applications in the state were down 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | First Florida Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 33.1% | 29.0% | 31.9% | 24.3% |
| Median rate spread, pp | 0.8 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.0% | 16.4% | 18.7% | 15.6% |
| Average originated loan | $176k | $359k | $185k | $329k |
| Home purchase share | 28.0% | 62.9% | 30.2% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.6% | 9.5% | 0.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 28% (45)Home improvement 15% (24)Refinancing 4% (6)Cash-out refinancing 29% (47)Other purpose 24% (39)
By type
Conventional 99% (160)VA 1% (1)
Denial reasons as coded
Share of 80 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Leon County | 89 | 46 | $7.9m | 22.0% |
| Duval County | 72 | 37 | $5.1m | 26.0% |
| Broward County | 33 | 14 | $2.3m | — |
| Miami-Dade County | 25 | 7 | $945k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Florida Credit Union originate in Florida in 2024?
161 loans totalling $28m, from 363 applications reported for properties in Florida.
What is First Florida Credit Union's denial rate in Florida?
33.1% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 31.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does First Florida Credit Union lend in most?
By originations: Leon County (46), Duval County (37), Broward County (14), Miami-Dade County (7).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.