Applications / Mortgage Analytics / Lenders / Florida / Dade County Federal Credit Union
Sweetwater, FL · Credit union · NCUA · $1.5 billion assets · 296 loans in 2025
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296
loans originated, 2025
736
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dade County Federal Credit Union went from 13 loans in 2023 to 251 in 2024, and it grew by another 18% in 2025, to 296.
From 2018 to 2023 it made between 13 and 90 loans a year. Its rise in 2025 was faster than at about two-thirds of similar lenders (credit unions making between half and twice as many loans), which grew 7%. Whether the jump in 2024 came from a new product or a change in what it reports, the figures do not say.
Refinancing made up 36.8% of its loans and home improvement 28.7%; purchases were 16.9%. Its typical loan, $115,000, was close to its peers' $105,000. Its typical rate, 5.75%, was lower than at about nine in ten of them, where it was 6.88%.
Majority-minority neighborhoods took 96.3% of its loans, against 12.9% at similar lenders. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 23.7%, a higher share than at almost nine in ten peers. Both may follow from where it lends, mainly around Miami.
It ranks 151 of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, FL, a market United Wholesale Mortgage leads. Since 2024 it has also lent in Naples-Marco Island, FL, Orlando-Kissimmee-Sanford, FL and Ocala, FL, with very small shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dade County Federal Credit Union took 736 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.8% · Home improvement 28.7% · Other 16.9% · Purchase 16.9% · Not applicable 0.7%
Conventional 100.0% · of 296 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 | 296 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 231 |
| Fort Lauderdale-Pompano Beach-Sunrise | 56 |
| Naples-Marco Island | 3 |
| Ocala | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Tampa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EL5N0NK8M96118 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 94193 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524508 | 1995–2017 |
Established 1 January 1991. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Dade County Federal Credit Union's data.
Dade County Federal Credit Union's data
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Dade County Federal 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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