Applications / Mortgage Analytics / Lenders / Florida / McCoy Federal Credit Union
Orlando, FL · Credit union · NCUA · $1.0 billion assets · 106 loans in 2025
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106
loans originated, 2025
344
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
McCoy Federal Credit Union, of Orlando, seldom lends to buy homes, and two-thirds of its loans go to majority-minority neighborhoods.
Home purchases were just 6.6% of its loans. Other purposes took 43.4%, home improvement 29.2% and refinances 20.8%. Its typical loan was $85,000, against $105,000 at similar lenders: credit unions making between half and twice as many loans.
Of its loans, 67.0% were in majority-minority neighborhoods, against 9.7% for peers, higher than at more than nine in ten. The share has risen from 50.0% five years before and 59.6% in 2024. Its share of loans to low- and moderate-income borrowers, 31.1%, was close to peers' 29.7%.
It made 106 loans, down 22% from 136, while similar lenders grew by 8% and the whole market by 10%; that puts it among the lowest tenth of peers. It made 227 in 2020. Weaker demand for the home-improvement and other loans it specializes in is one possibility, a decision to lend less another; the filings do not say which. Its share of the Orlando market held at 0.1%, where it has lent since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. McCoy Federal Credit Union took 344 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 43.4% · Home improvement 29.2% · Refinance 20.8% · Purchase 6.6%
Conventional 100.0% · of 106 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 | 106 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 103 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Lakeland-Winter Haven | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005T4NUXGTZTUE50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4080 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59915 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: McCoy Federal Credit Union's data.
McCoy Federal Credit Union's data
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McCoy 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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