Applications / Mortgage Analytics / Lenders / Florida / Achieva Credit Union
Dunedin, FL · Credit union · NCUA · $3.1 billion assets · 1,316 loans in 2025
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1,316
loans originated, 2025
2,124
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Achieva Credit Union is a Florida credit union whose lending is mostly home-improvement and other-purpose loans, and it grew 20% in 2025, faster than most similar lenders.
Other purposes were 40.2% of its loans and home improvement 39.8%; home purchases were 11.9% and refinances 8.1%. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans). Almost all its lending, 99.6%, was conventional.
Originations rose 20% to 1,316, against 9% at similar lenders and 10% for the whole market, higher than about three-quarters of them. They remain below the 1,863 loans of 2021.
Of its loans, 3.0% were higher-priced (a rate well above the average for similar loans), against 1.4% at similar lenders, and down from 5.1% in 2024. Its mix, mostly home-improvement and other-purpose loans rather than first mortgages, could account for most of the difference. Its typical rate, 7.25%, was close to peers' 7.00%.
It ranked 50 of 925 lenders in Tampa-St. Petersburg-Clearwater, its largest market, and 44 of 548 in Punta Gorda, where its share rose 0.1 points to 0.5%. In North Port-Bradenton-Sarasota its share held at 0.4%. LMI (low- and moderate-income) borrowers took 28.2% of its loans, near similar lenders' 27.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Achieva Credit Union took 2,124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.2% · Home improvement 39.8% · Purchase 11.9% · Refinance 8.1%
Conventional 99.6% · FHA 0.3% · VA 0.1% · of 1,316 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 | 1,310 | 99.5% |
| Tennessee | 4 | 0.3% |
| North Carolina | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Petersburg-Clearwater-Largo | 595 |
| North Port-Bradenton-Sarasota | 290 |
| Tampa | 230 |
| Cape Coral-Fort Myers | 80 |
| Punta Gorda | 62 |
| Naples-Marco Island | 10 |
| Lakeland-Winter Haven | 9 |
| Homosassa Springs | 8 |
| Orlando-Kissimmee-Sanford | 6 |
| Gainesville | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GFM3T3SN2KS138 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 551490 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560087 | 1993–2017 |
Established 1 January 1937. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Achieva Credit Union's data.
Achieva Credit Union's data
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Achieva Credit Union 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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