Applications / Mortgage Analytics / Lenders / Florida / First Commerce Credit Union
Tallahassee, FL · Credit union · NCUA · $1.2 billion assets · 545 loans in 2025
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545
loans originated, 2025
958
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Commerce Credit Union is a Tallahassee credit union whose lending leans to refinance, home-improvement and other loans rather than purchases, and in 2025 it held its count flat at 545 loans while gaining share at home.
Refinances made up 36.5% of its loans, home purchases 19.8%, home improvement 14.5% and other purposes 11.2%; another 18.0% were filed with the purpose as not applicable. All were conventional. Its typical loan, $105,000, was the same as at similar lenders (credit unions making between half and twice as many loans).
In Tallahassee, its largest market, it ranked 9 of 372 lenders with 2.7%, up 0.9 points from 1.8%, behind leaders Rocket Mortgage, Movement Mortgage and University Bank. Its share in Panama City-Panama City Beach rose to 0.3% from 0.1%.
It made 545 loans against 546 in 2024, while similar lenders grew 6% and the whole market 10%. The data here do not show why; its yearly count has moved between 417 and 684 since 2021, after a peak of 901 in 2020, so a flat year may simply sit within its usual range.
Majority-minority areas took 18.2% of its loans, against 10.5% at similar lenders, more than about two-thirds of them. Its share in LMI (low- and moderate-income) areas, 14.7%, was near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Commerce Credit Union took 958 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.5% · Purchase 19.8% · Not applicable 18.0% · Home improvement 14.5% · Other 11.2%
Conventional 100.0% · of 545 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 | 398 | 73.0% |
| Georgia | 146 | 26.8% |
| Alabama | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tallahassee | 329 |
| Valdosta | 50 |
| Panama City-Panama City Beach | 14 |
| Jacksonville | 5 |
| Orlando-Kissimmee-Sanford | 3 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Pensacola-Ferry Pass-Brent | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Daphne-Fairhope-Foley | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GMNBYF84V5RF83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 522276 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54005 | 1990–1997 |
| Respondent ID (the HMDA filer code before 2018) | 568301 | 1998–2017 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Commerce Credit Union's data.
First Commerce Credit Union's data
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First Commerce 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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