Applications / Mortgage Analytics / Lenders / Florida / Addition Financial Credit Union
Lake Mary, FL · Credit union · NCUA · $3.8 billion assets · 587 loans in 2025
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587
loans originated, 2025
1,332
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Addition Financial Credit Union is a Florida credit union that lends mostly for refinances, and its 587 loans in 2025 were 22% more than in 2024, faster than most similar lenders.
Refinances made up 85.3% of its loans and purchases 14.7%. All of its lending was conventional. Its typical loan, $95,000, was lower than at about three in four similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000.
Originations rose 22%, from 483 to 587, against 6% at similar lenders and 10% for the whole market. It merged with Envision Credit Union in 2025, which may account for some of the rise.
Majority-minority areas took 45.5% of its loans, against 11.0% at peers, higher than more than eight in ten of them. Its shares to LMI (low- and moderate-income) borrowers, 26.7%, and in LMI areas, 15.6%, were near the middle of its peers.
In Orlando-Kissimmee-Sanford, its largest market, it ranked 67 of 854 lenders with 0.3%, up 0.1 points. In Tallahassee it ranked 68 of 372 with 0.2%, up 0.2 points; Envision Credit Union's filings count as Addition Financial Credit Union's in these competition figures, which may explain part of the rise.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Addition Financial Credit Union took 1,332 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 85.3% · Purchase 14.7%
Conventional 100.0% · of 587 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 | 574 | 97.8% |
| Georgia | 11 | 1.9% |
| California | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 491 |
| Deltona-Daytona Beach-Ormond Beach | 27 |
| Tallahassee | 20 |
| Lakeland-Winter Haven | 8 |
| Palm Bay-Melbourne-Titusville | 6 |
| Tampa | 5 |
| Wildwood-The Villages | 3 |
| Cape Coral-Fort Myers | 2 |
| Gainesville | 2 |
| West Palm Beach-Boca Raton-Delray Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001ZUNE2DKEA4702 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 78773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51976 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Addition Financial Credit Union's data.
Addition Financial Credit Union's data
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Addition Financial 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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