Community First Credit Union Of Flo
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Community First Credit Union Of Flo 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Community First Credit Union Of Flo 637 N. Lee Street Jacksonville, FL 32204 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,590 |
| Total Mortgage Loan Application Amount | $244,750,000 |
| Average Mortgage Loan Application Amount | $153,600 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $97,800 |
| Highest Applicant Income | $2,778,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Community First Credit Union Of Flo. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Community First Credit Union Of Flo's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Community First Credit Union Of Flo's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Community First Credit Union Of Flo serves its applicants.
Each category highlights the total number of mortgage applications processed by Community First Credit Union Of Flo, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Community First Credit Union Of Flo's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Duval County Florida | 853 | $ 122,345,000 | $ 143,000 | $ 100,000 |
| St. Johns County Florida | 233 | $ 40,005,000 | $ 171,000 | $ 128,000 |
| Clay County Florida | 167 | $ 19,775,000 | $ 118,000 | $ 89,000 |
| Nassau County Florida | 131 | $ 16,205,000 | $ 123,000 | $ 111,000 |
| Flagler County Florida | 13 | $ 2,935,000 | $ 225,000 | $ 150,000 |
| Putnam County Florida | 13 | $ 1,665,000 | $ 128,000 | $ 71,000 |
| Camden County Georgia | 9 | $ 2,665,000 | $ 296,000 | $ 139,000 |
| Baker County Florida | 8 | $ 1,100,000 | $ 137,000 | $ 66,000 |
| Broward County Florida | 6 | $ 1,780,000 | $ 296,000 | $ 271,000 |
| Orange County Florida | 6 | $ 1,500,000 | $ 250,000 | $ 156,000 |
| Brevard County Florida | 5 | $ 945,000 | $ 189,000 | $ 21,000 |
| Hillsborough County Florida | 5 | $ 1,055,000 | $ 211,000 | $ 67,000 |
| Marion County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 77,000 |
| Volusia County Florida | 4 | $ 910,000 | $ 227,000 | $ 204,000 |
| Stark County Ohio | 4 | $ 710,000 | $ 177,000 | $ 132,000 |
| Pinellas County Florida | 3 | $ 1,685,000 | $ 561,000 | $ 221,000 |
| Polk County Florida | 3 | $ 515,000 | $ 171,000 | $ 44,000 |
| Alachua County Florida | 2 | $ 480,000 | $ 240,000 | $ 176,000 |
| Hernando County Florida | 2 | $ 220,000 | $ 110,000 | $ 22,000 |
| Leon County Florida | 2 | $ 170,000 | $ 85,000 | $ 84,000 |
| Manatee County Florida | 2 | $ 110,000 | $ 55,000 | $ 172,000 |
| Osceola County Florida | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Sarasota County Florida | 2 | $ 350,000 | $ 175,000 | $ 276,000 |
| Seminole County Florida | 2 | $ 1,100,000 | $ 550,000 | $ 135,000 |
| Cobb County Georgia | 2 | $ 420,000 | $ 210,000 | $ 58,000 |
| Gwinnett County Georgia | 2 | $ 1,030,000 | $ 515,000 | $ 240,000 |
| Macon County North Carolina | 2 | $ 740,000 | $ 370,000 | $ 281,000 |
| Charleston County South Carolina | 2 | $ 520,000 | $ 260,000 | $ 269,000 |
| Shelby County Alabama | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 645,000 | $ 645,000 | $ 253,000 |
| Benton County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Bay County Florida | 1 | $ 355,000 | $ 355,000 | $ 171,000 |
| Bradford County Florida | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Charlotte County Florida | 1 | $ 525,000 | $ 525,000 | $ 276,000 |
| Columbia County Florida | 1 | $ 65,000 | $ 65,000 | $ 176,000 |
| Escambia County Florida | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Gadsden County Florida | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Lake County Florida | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| St. Lucie County Florida | 1 | $ 425,000 | $ 425,000 | $ 147,000 |
| Bacon County Georgia | 1 | $ 285,000 | $ 285,000 | $ 73,000 |
| Bulloch County Georgia | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Floyd County Georgia | 1 | $ 525,000 | $ 525,000 | $ 328,000 |
| Fulton County Georgia | 1 | $ 205,000 | $ 205,000 | $ 154,000 |
| Glynn County Georgia | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Rabun County Georgia | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Hamilton County Indiana | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Cape Girardeau County Missouri | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| Polk County Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 98,000 |
| Guilford County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Jackson County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 348,000 |
| Union County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 179,000 |
| Watauga County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 123,000 |
| Berks County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cambria County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 207,000 |
| Warren County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Carroll County Virginia | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Community First Credit Union Of Flo in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 515 | $37,735,000 | $73,000 | $305,000 | $103,000 | $858,000 |
| Home Purchase | 473 | $139,375,000 | $294,000 | $1,265,000 | $116,000 | $1,270,000 |
| Other Purpose | 430 | $39,160,000 | $91,000 | $865,000 | $99,000 | $2,778,000 |
| Cash-out Refinancing | 126 | $22,300,000 | $176,000 | $475,000 | $85,000 | $281,000 |
| Refinancing | 46 | $6,180,000 | $134,000 | $625,000 | $86,000 | $331,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 893 | $138,305,000 | $154,000 | $1,235,000 | $115,000 | $2,778,000 |
| Not Provided | 308 | $48,610,000 | $157,000 | $725,000 | $79,000 | $680,000 |
| Black or African American | 248 | $31,760,000 | $128,000 | $805,000 | $91,000 | $410,000 |
| Hispanic | 83 | $12,765,000 | $153,000 | $725,000 | $108,000 | $580,000 |
| Asian | 40 | $9,490,000 | $237,000 | $1,265,000 | $104,000 | $368,000 |
| American Indian or Alaskan Native | 8 | $870,000 | $108,000 | $225,000 | $63,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $200,000 | $200,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,590 | $244,750,000 | $153,000 | $1,265,000 | $104,000 | $2,778,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 782 | $111,810,000 | $142,000 | $1,265,000 | $124,000 | $2,778,000 |
| Application Denied By Financial Institution | 417 | $53,655,000 | $128,000 | $755,000 | $71,000 | $858,000 |
| Application Withdrawn By Applicant | 213 | $46,465,000 | $218,000 | $1,235,000 | $114,000 | $680,000 |
| File Closed For Incompleteness | 178 | $32,820,000 | $184,000 | $825,000 | $78,000 | $398,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,173 | $191,095,000 | $162,000 | $1,265,000 | $116,000 | $2,778,000 |
| Debt-To-Income Ratio | 231 | $31,455,000 | $136,000 | $725,000 | $64,000 | $265,000 |
| Credit History | 99 | $10,915,000 | $110,000 | $475,000 | $78,000 | $858,000 |
| Other | 40 | $5,410,000 | $135,000 | $755,000 | $90,000 | $650,000 |
| Collateral | 23 | $3,005,000 | $130,000 | $355,000 | $92,000 | $539,000 |
| Employment History | 11 | $1,235,000 | $112,000 | $465,000 | $88,000 | $324,000 |
| Credit Application Incomplete | 7 | $1,245,000 | $177,000 | $365,000 | $80,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $280,000 | $70,000 | $105,000 | $68,000 | $118,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $55,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First Credit Union Of Flo's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Community First Credit Union Of Flo's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.