Applications / Mortgage Analytics / Lenders / Florida / Florida Credit Union
Gainesville, FL · Credit union · NCUA · $2.6 billion assets · 840 loans in 2025
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840
loans originated, 2025
4,302
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Florida Credit Union is a Gainesville lender of small home-improvement, other-purpose and manufactured-home loans, lending there since 1991, whose loan count fell in 2025 while similar credit unions grew.
Other purposes make up 33.7% of its loans, home improvement 31.5%, purchases 21.5% and refinances 13.2%. Its typical loan of $75,000 is smaller than more than nine in ten similar lenders' (credit unions making between half and twice as many loans). Manufactured homes are 14.0% of its loans, against 0.3%, higher than nearly all of them.
Higher-priced loans (a rate well above the average for similar loans) were 11.8% of its lending, against 1.7% at similar lenders, and down from 20.4% five years before. Its manufactured-home lending, with its home-improvement and other-purpose loans, could account for most of that difference. Its typical rate of 6.38% is lower than similar lenders' 7.00%.
Its loans fell 12%, while similar lenders' rose 8% and the whole market's 10%. Its share in Gainesville, FL slipped from 1.5% to 1.4%, ranking 19 of 367, and in Ocala from 1.0% to 0.8%. Its dollar volume barely moved, from $100.0 million to $98.0 million, as its typical loan rose from $65,000 to $75,000, so fewer of its smallest loans is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Florida Credit Union took 4,302 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 33.7% · Home improvement 31.5% · Purchase 21.5% · Refinance 13.2%
Conventional 100.0% · of 840 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 | 840 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ocala | 280 |
| Gainesville | 209 |
| Deltona-Daytona Beach-Ormond Beach | 48 |
| Orlando-Kissimmee-Sanford | 47 |
| Jacksonville | 30 |
| Tampa | 23 |
| Homosassa Springs | 21 |
| Wildwood-The Villages | 19 |
| St. Petersburg-Clearwater-Largo | 9 |
| West Palm Beach-Boca Raton-Delray Beach | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006ZBGVXBAMCRG16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 577799 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560497 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Florida Credit Union's data.
Florida Credit Union's data
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