Applications / Mortgage Analytics / Lenders / Florida / FIRST Florida Credit Union
Jacksonville, FL · Credit union · NCUA · $1.4 billion assets · 121 loans in 2025
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121
loans originated, 2025
257
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FIRST Florida Credit Union now buys more loans than it makes: it bought 350 in 2025 and originated 121.
It bought 350 loans in 2025, up from 164 in 2024 and none five years earlier; most similar lenders (credit unions making between half and twice as many loans) bought none. Its own originations fell 30%, from 172, while peers grew 8%, a change among the lowest tenth. It made 529 loans in 2021. It may be buying loans in place of making some of its own, or 2021 may simply have been an unusually busy year.
Its typical loan, $165,000, was higher than at more than four in five peers, whose typical loan was $105,000. Purchases and refinances were 35.5% each. Only 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 2.9% at peers.
Majority-minority neighborhoods took 32.2% of its loans, against 9.5% at a typical peer, higher than at about three-quarters of them. Low- and moderate-income (LMI) borrowers took 19.0%, against 29.2%; its larger loans are one possible reason.
In Tallahassee, FL it ranked 46 of 372 lenders, with 0.5% of the market, up from 0.4%. Rocket Mortgage, Movement Mortgage and University Bank lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Florida Credit Union took 257 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.5% · Refinance 35.5% · Other 14.9% · Home improvement 14.0%
Conventional 98.3% · VA 1.7% · of 121 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 | 116 | 95.9% |
| Georgia | 2 | 1.7% |
| North Carolina | 1 | 0.8% |
| Ohio | 1 | 0.8% |
| West Virginia | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 37 |
| Tallahassee | 35 |
| Orlando-Kissimmee-Sanford | 7 |
| Fort Lauderdale-Pompano Beach-Sunrise | 6 |
| Miami-Miami Beach-Kendall | 4 |
| Tampa | 4 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| St. Petersburg-Clearwater-Largo | 2 |
| Asheville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EYKSNFOZRIBC29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 403496 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561170 | 1994–2017 |
Established 1 January 1950. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: FIRST Florida Credit Union's data.
FIRST Florida Credit Union's data
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FIRST Florida 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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