Applications / Mortgage Analytics / Lenders / Florida / Trax Federal Credit Union
Tampa, FL · Credit union · NCUA · $488 million assets · 7 loans in 2025
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7
loans originated, 2025
14
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Trax Federal Credit Union, a Tampa credit union, reported 7 mortgage loans in 2025, a small fraction of the 73 it made in 2020.
Its loans have fallen every year since 2020: 73 that year, then 68, 26, 10, 9 and 7. Their value fell from $12.1 million to $1.1 million over the same period. The figures do not say why it now makes so few, whether by choice or for want of demand.
With 7 loans, its shares of borrower groups, loan types and rates say little; one loan moves any of them by a wide margin. Its 38 peers, credit unions making between half and twice as many loans, typically made 10. All its loans were conventional, as at those peers.
Its loans were made in 5 counties across 4 metros, all in Florida. Tampa, its largest market, is one where it ranks 702 of 925 lenders, and it holds no measurable share in Lakeland-Winter Haven, Homosassa Springs or Orlando. It first reported under HMDA, the federal mortgage-disclosure law, in 2004, and has lent in Tampa since then.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Trax Federal Credit Union took 14 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Refinance 28.6%
Conventional 100.0% · of 7 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 | 7 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 3 |
| Lakeland-Winter Haven | 2 |
| Homosassa Springs | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KEN9618A3NSC95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 49072 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524703 | 2004–2017 |
Established 1 January 1935. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Trax Federal Credit Union's data.
Trax Federal Credit Union's data
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Trax 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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