Applications / Mortgage Analytics / Lenders / Florida / Community First Credit Union of Florida
Jacksonville, FL · Credit union · NCUA · $3.0 billion assets · 1,157 loans in 2025
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1,157
loans originated, 2025
1,879
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Credit Union of Florida is a Jacksonville credit union that lends mostly through refinances and ranked 19 of 715 lenders in its home market, where its share rose to 1.3%.
Refinances were 77.4% of its originations and home purchases 21.3%. All its loans were conventional. Its typical loan, $115,000, was close to similar lenders' (credit unions making between half and twice as many loans), at $105,000, and jumbo loans (larger than the conforming limit) were 3.2%, against 1.0%.
It ranked 19 of 715 lenders in Jacksonville, where it has lent since 1994, and its share rose 0.2 points to 1.3%. The market's leaders were United Wholesale Mortgage, Rocket Mortgage and VyStar Credit Union. Outside Jacksonville its shares were 0.1% or less.
LMI (low- and moderate-income) borrowers took 28.8% of its loans, up from 22.2% five years before and near the middle of its peers (27.5%). LMI areas took 18.0%, against 15.0%, higher than about three-quarters of them.
Originations rose 1% to 1,157, against 9% at peers and 10% for the whole market, after rising from 782 in 2023 to 1,150 in 2024. Its typical rate, 6.84%, and its higher-priced share (a rate well above the average for similar loans), 1.1%, were both a little lower than peers'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community First Credit Union of Florida took 1,879 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 77.4% · Purchase 21.3% · Home improvement 1.1% · Other 0.1%
Conventional 100.0% · of 1,157 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,135 | 98.1% |
| Georgia | 9 | 0.8% |
| North Carolina | 7 | 0.6% |
| Alabama | 1 | 0.1% |
| Michigan | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
| Utah | 1 | 0.1% |
| Wisconsin | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 1,067 |
| Deltona-Daytona Beach-Ormond Beach | 15 |
| Gainesville | 10 |
| Orlando-Kissimmee-Sanford | 9 |
| Ocala | 7 |
| Tampa | 6 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 3 |
| Palm Bay-Melbourne-Titusville | 2 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PIL90PE1ZLKI49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 876492 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567290 | 1994–2017 |
Established 1 January 1961. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Community First Credit Union of Florida's data.
Community First Credit Union of Florida's data
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Community First Credit Union of Florida and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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