Gaining at home
It ranks 5 of 560 in Lakeland-Winter Haven, where its share rose to 3.3% from 2.5%. Its share rose to 1.1% from 0.8% in Port St. Lucie and to 0.3% from 0.2% in Orlando; it ranks 25 of 925 in Tampa.
Applications / Mortgage Analytics / Lenders / Florida / MIDFLORIDA Credit Union
MIDFLORIDA Credit Union
Lakeland, FL · Credit union · NCUA · $8.8 billion assets · 3,729 loans in 2025
MIDFLORIDA Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
3,729
loans originated, 2025
9,215
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MIDFLORIDA Credit Union is a central Florida lender that grew 11% in 2025 and gained share in Lakeland-Winter Haven, where it ranks fifth, and in Port St. Lucie and Orlando.
Growth a little above peers
Originations rose 11% to 3,729, higher than about three in five similar lenders (credit unions making between half and twice as many loans), whose typical growth was 8%; the whole market grew 10%. It remains below 4,783 in 2021. It lends in 57 counties.
A home-improvement lender
Home-improvement loans were its largest purpose at 34.4%, ahead of purchase at 26.6%. Every loan was conventional, and its typical rate of 6.38% is lower than about four in five peers.
Majority-minority areas high, LMI borrowers low
Majority-minority tracts took 20.6% of its loans, against 9.1%, higher than about seven in ten, and low- and moderate-income (LMI) tracts 17.0%. LMI borrowers took 16.6%, against 27.2%, among the lowest tenth; home-improvement lending to existing owners is a possible reason.
Questions the data can answer next
- Which counties carry its home-improvement loans, and how has its Lakeland-Winter Haven share moved since 1990?
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
3,729 loans in 2025, against a peak of 4,783 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MIDFLORIDA Credit Union took 9,215 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
34.4% of its 2025 loans were home improvement loans; 100.0% were Conventional.
Home improvement 34.4% · Purchase 26.6% · Refinance 23.1% · Other 15.9%
Conventional 100.0% · of 3,729 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
4 states, 30 metros, 57 counties
| State | Loans | Share |
|---|---|---|
| Florida | 3,721 | 99.8% |
| Tennessee | 4 | 0.1% |
| North Carolina | 2 | 0.1% |
| South Carolina | 2 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lakeland-Winter Haven | 1,160 |
| Tampa | 608 |
| Port St. Lucie | 283 |
| St. Petersburg-Clearwater-Largo | 265 |
| Orlando-Kissimmee-Sanford | 254 |
| Sebring | 241 |
| Ocala | 187 |
| Sebastian-Vero Beach-West Vero Corridor | 110 |
| North Port-Bradenton-Sarasota | 105 |
| Wildwood-The Villages | 73 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K7224BC1IAX207 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 101381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523079 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 568600 | 2010–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: MIDFLORIDA Credit Union's data.
The data and the software behind these pages
MIDFLORIDA Credit Union's data
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