Applications / Mortgage Analytics / Lenders / Florida / Insight Credit Union
Winter Springs, FL · Credit union · NCUA · $659 million assets · 15 loans in 2025
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15
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Insight Credit Union, based in Winter Springs, Florida, has shrunk from 185 home loans in 2021 to 15 in 2025.
Its loans fell 42% in 2025, from 26 to 15. Similar lenders (credit unions making between half and twice as many loans) fell 12%, and the whole market rose 10%. The fall is years old: 185 loans in 2021, 58 in 2022 and 20 in 2023. The figures do not say why. The credit union may have chosen to lend less on homes, or fewer members may have sought mortgages from it.
Purchases made up 53.3% of its loans and refinancing 46.7%, and nearly all were conventional. Fifteen loans are too few to read much into the size of its loans, who its borrowers are or what they paid, so comparisons with similar lenders on those measures mean little this year.
The credit union has lent in Orlando-Kissimmee-Sanford since 1990 and ranks 447 of 854 lenders there. It ranks 390 of 560 in Lakeland-Winter Haven and 332 of 548 in Punta Gorda; United Wholesale Mortgage leads all three markets. Its 2000 merger with Lake County School Credit Union counts in the competition figures. It lends in 6 metros across 2 states, including Atlanta since 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Insight Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.3% · Refinance 46.7%
Conventional 93.3% · VA 6.7% · of 15 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 | 14 | 93.3% |
| Georgia | 1 | 6.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 9 |
| Lakeland-Winter Haven | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Ocala | 1 |
| Punta Gorda | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GMQCJI1T3P3Z82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 174778 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5410 | 1990–1999 |
| Respondent ID (the HMDA filer code before 2018) | 567344 | 2000–2017 |
Established 1 January 1991. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Insight Credit Union's data.
Insight Credit Union's data
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Insight 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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