Applications / Mortgage Analytics / Lenders / Florida / Gold Coast Federal Credit Union
Palm Springs, FL · Credit union · NCUA · $263 million assets · 68 loans in 2025
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68
loans originated, 2025
87
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gold Coast Federal Credit Union, a Florida lender since at least 1990, makes small home-improvement and other loans, more than half of them in majority-minority neighborhoods.
Other purposes made up 54.4% of its loans and home improvement 41.2%; purchases were just 4.4%. Its typical loan, $75,000, was smaller than at about seven in ten similar lenders (credit unions making between half and twice as many loans), where it was $95,000. Every loan was conventional.
Of its loans, 58.8% went to majority-minority tracts, against 9.1% at similar lenders, a higher share than at more than nine in ten of them. Another measure points the same way: 32.4% went to low- and moderate-income tracts, against 17.2%.
Its typical rate was 6.75%, the same as at similar lenders, and none of its loans was higher-priced (a rate well above the average for similar loans), against 3.1% at its peers.
It made 68 loans, up 84% from 37, while similar lenders grew 7%. Its lending has moved this way before: 70 loans in 2023, 37 the year after. In the Miami-Fort Lauderdale-West Palm Beach area, its market since at least 1990, it ranked 409 of 937 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gold Coast Federal Credit Union took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 54.4% · Home improvement 41.2% · Purchase 4.4%
Conventional 100.0% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| West Palm Beach-Boca Raton-Delray Beach | 49 |
| Port St. Lucie | 18 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M9RHNQ4107R694 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 617378 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5967 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Gold Coast Federal Credit Union's data.
Gold Coast Federal Credit Union's data
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Gold Coast 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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