Applications / Mortgage Analytics / Lenders / Florida / Campus USA Credit Union
Newberry, FL · Credit union · NCUA · $3.9 billion assets · 947 loans in 2025
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947
loans originated, 2025
1,272
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Campus USA Credit Union is a Florida credit union that ranked 2 of 367 lenders in Gainesville, FL in 2025 and, unusually for its peers, also bought loans, though its own originations fell 5%.
It ranked 2 of 367 lenders in Gainesville, FL, where it has lent since 2000, behind United Wholesale Mortgage, with its share down to 4.8% from 5.1%. In Ocala, FL it ranked 22 of 536, and in Tallahassee, FL its share rose to 0.4% from 0.2%.
Originations fell 5% to 947, while similar lenders (credit unions making between half and twice as many loans) grew a typical 8% and the whole market 10%. Its dollar volume still rose to $172.3 million from $154.2 million, and its jumbo share (larger than the conforming limit) was 3.4%, against 1.0% at peers. It also bought 96 loans, where the typical peer bought none. Choosing larger loans or buying loans over making them are possibilities the data do not settle.
Refinances were 41.2% of its loans, purchases 32.1% and other-purpose loans 25.1%. Its denial rate on home-purchase applications was 1.6%, among the lowest tenth of peers (6.2%), and on refinance applications 14.4%, against 21.3%.
Low- and moderate-income (LMI) borrowers took 21.6% of its loans, up from 17.0% the year before but lower than about three in four peers (28.0%); its refinance-led mix and larger loans are possible reasons, which the data here do not test.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Campus USA Credit Union took 1,272 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.2% · Purchase 32.1% · Other 25.1% · Home improvement 1.6%
Conventional 100.0% · of 947 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 | 916 | 96.7% |
| Georgia | 7 | 0.7% |
| North Carolina | 4 | 0.4% |
| Maine | 2 | 0.2% |
| Maryland | 1 | 0.1% |
| Ohio | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gainesville | 434 |
| Ocala | 218 |
| Tallahassee | 51 |
| Wildwood-The Villages | 24 |
| Orlando-Kissimmee-Sanford | 22 |
| Jacksonville | 19 |
| Homosassa Springs | 15 |
| Tampa | 12 |
| Deltona-Daytona Beach-Ormond Beach | 8 |
| Lakeland-Winter Haven | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BPDFS1CLV7K329 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 79677 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568391 | 2000–2017 |
Established 1 January 1935. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Campus USA Credit Union's data.
Campus USA Credit Union's data
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Campus USA 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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