Applications / Mortgage Analytics / Lenders / Florida / Miami Firefighters Federal Credit Union
Miami, FL · Credit union · NCUA · $184 million assets · 90 loans in 2025
Miami Firefighters Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
90
loans originated, 2025
195
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Miami Firefighters Federal Credit Union is a home-improvement lender whose loans rose 36% in 2025, and three-quarters of them went to majority-minority neighborhoods.
Home-improvement loans made up 70.0% of its lending and other purposes 21.1%. Purchases and refinances together were under a tenth. Its typical loan was $110,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Its loans rose 36% to 90, faster than about four in five peers, which grew 7%; the whole market grew 10%. It made 37 loans in 2018 and peaked at 102 in 2023. Its typical rate, 6.25%, was lower than at about four in five peers.
Some 74.4% of its loans went to majority-minority neighborhoods, against 9.2% at the typical peer. Yet low- and moderate-income borrowers took only 3.3%, against 30.3%, among the lowest of any similar lender. Its loans go mostly to people improving homes they already own, who may earn more than first-time buyers. Its members may also earn more than the local middle. The share has been low for years: 6.3% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Miami Firefighters Federal Credit Union took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 70.0% · Other 21.1% · Purchase 5.6% · Refinance 3.3%
Conventional 100.0% · of 90 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 | 90 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 49 |
| Fort Lauderdale-Pompano Beach-Sunrise | 23 |
| Port St. Lucie | 7 |
| West Palm Beach-Boca Raton-Delray Beach | 7 |
| Tampa | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PVS7DLMY766R09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 757975 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5872 | 2004–2017 |
Established 1 January 1935. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Miami Firefighters Federal Credit Union's data.
Miami Firefighters Federal Credit Union's data
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Miami Firefighters 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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