Applications / Mortgage Analytics / Lenders / Florida / Tampa Bay Federal Credit Union
Tampa, FL · Credit union · NCUA · $478 million assets · 17 loans in 2025
Tampa Bay Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
17
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tampa Bay Federal Credit Union, a $478 million credit union that has reported since 1990, now makes very few mortgages: 17 in 2025.
Its loans fell 57% in 2025, from 40, while similar lenders (credit unions making between half and twice as many loans) fell 10% and the whole market grew 10%. The slide is long: it reported 215 loans in 2018 and 148 in 2020. Fewer than one in ten similar lenders shrank as fast last year. The figures do not show why.
Much of what it reports is bought from other lenders rather than made. It reported 10 purchased loans in 2025 and 145 in 2020, while the typical similar lender reported none. Few credit unions its size lean on purchases this way; only about one in fifty reported more.
All its lending is in Florida, across five metros and seven counties, with Tampa-St. Petersburg-Clearwater its largest market. It has lent there since 1990. Its shares in each market are too small to measure.
Every loan was conventional, as at its peers. With only 17 loans, its borrower mix, neighborhoods and loan sizes are too small a sample to compare with other 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tampa Bay Federal Credit Union took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.1% · Purchase 29.4% · Other 17.6% · Home improvement 5.9%
Conventional 100.0% · of 17 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 | 17 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 13 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Jacksonville | 1 |
| Lakeland-Winter Haven | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SCF56K6YEG7X54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 582074 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5352 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Tampa Bay Federal Credit Union's data.
Tampa Bay Federal Credit Union's data
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Tampa Bay 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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