Applications / Mortgage Analytics / Lenders / Florida / Radifi Federal Credit Union
Jacksonville, FL · Credit union · NCUA · $712 million assets · 323 loans in 2025
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323
loans originated, 2025
458
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Radifi Federal Credit Union's lending rose 76% in 2025, faster than at more than nine in ten similar lenders, and most of its loans were refinances.
It made 323 loans, up from 184, against growth of 7% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Refinances were 64.1% of its loans and are a possible source of the rise. The dollars it lent rose from $28.1 million to $80.7 million.
Jumbo loans (larger than the conforming limit) were 12.3% of its loans, against 0.4% at peers, a higher share than at almost all of them. Its typical loan was $125,000, against $105,000.
Low- and moderate-income (LMI) neighborhoods took 21.8% of its loans, against 15.8% at peers, and majority-minority ones 26.9%, against 12.1%. LMI borrowers took 30.2%, near peers' 27.5%.
In Jacksonville it ranked 50 of 715 lenders with 0.4%, up from 0.2%. United Wholesale Mortgage, Rocket Mortgage and VyStar Credit Union led 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Radifi Federal Credit Union took 458 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.1% · Purchase 35.3% · Home improvement 0.6%
Conventional 99.7% · VA 0.3% · of 323 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 | 314 | 97.2% |
| Georgia | 9 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jacksonville | 275 |
| Tampa | 7 |
| Deltona-Daytona Beach-Ormond Beach | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 3 |
| St. Petersburg-Clearwater-Largo | 3 |
| Gainesville | 2 |
| Marietta | 2 |
| Miami-Miami Beach-Kendall | 2 |
| Naples-Marco Island | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WKOE38PNUSOD49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 39970 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5340 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Radifi Federal Credit Union's data.
Radifi Federal Credit Union's data
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Radifi 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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