Applications / Mortgage Analytics / Lenders / Florida / Power Financial Credit Union
Pembroke Pines, FL · Credit union · NCUA · $977 million assets · 240 loans in 2025
Power Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
240
loans originated, 2025
361
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Power Financial Credit Union, a Florida credit union, makes jumbo loans, which the typical similar credit union does not, and its lending grew 12% in 2025 after years of decline.
Jumbo loans (larger than the conforming limit) were 13.9% of its lending, against 0.0% at the typical similar lender (a credit union making between half and twice as many loans), more than at nearly all of them. Five years before they were 5.7%. Beside its many small home-improvement and other-purpose loans, its typical loan of $125,000 understates the size of part of its lending.
Home purchases made up 33.3% of its loans, other purposes 32.1% and home improvement 24.2%. All were conventional. Its higher-priced share (loans at a rate well above the average for similar loans) fell to 1.4% from 7.1%, near the middle of similar lenders.
Majority-minority neighborhoods took 70.4% of its loans, against 11.7% at similar lenders, more than at about nine in ten of them. All its lending is in Florida, and its largest market is Miami-Fort Lauderdale-West Palm Beach, where it ranks 146 of 937 lenders. The share may simply follow from where it lends.
Its loans rose 12% in 2025, against 5% at similar lenders and 10% in the whole market. That followed a slide from 335 loans in 2018 to 215 in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Power Financial Credit Union took 361 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Other 32.1% · Home improvement 24.2% · Refinance 10.4%
Conventional 100.0% · of 240 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 | 240 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 103 |
| Fort Lauderdale-Pompano Beach-Sunrise | 66 |
| West Palm Beach-Boca Raton-Delray Beach | 66 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Jacksonville | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Port St. Lucie | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BAZS5RZ8O98A51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 289681 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568445 | 2001–2017 |
Established 1 January 1951. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Power Financial Credit Union's data.
Power Financial Credit Union's data
$215
Power 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.
Buy Power Financial Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]