Applications / Mortgage Analytics / Lenders / Florida / WE Florida Financial
Pembroke Pines, FL · Credit union · NCUA · $702 million assets · 162 loans in 2025
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162
loans originated, 2025
187
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WE Florida Financial is a home-improvement lender whose loans go mostly to majority-minority neighborhoods, a far larger share than at similar credit unions.
Home improvement made up 57.4% of its loans and refinancing 35.2%; only 1.9% financed a purchase. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). Its typical rate, 7.50%, was higher than their 6.75%, which may reflect that home-improvement lending.
Some 73.5% of its loans were in majority-minority neighborhoods, against 10.8% at similar lenders. Its largest market is Miami-Fort Lauderdale-West Palm Beach. It also lends more in poorer neighborhoods (low- and moderate-income, or LMI, tracts): 29.2% of its loans, against 17.2% at its peers, more than at about nine in ten of them. And 37.1% of its borrowers had LMI incomes, against 28.3%.
Its loans fell 5% to 162 in 2025, while similar lenders grew 8%. It ranks 280 of 937 lenders in the Miami area, where United Wholesale Mortgage leads, and near the bottom of its other Florida markets. Ranks go by dollars, so a lender of small home-improvement loans could sit low in markets built on large purchase loans. It has filed since 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. WE Florida Financial took 187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 57.4% · Refinance 35.2% · Other 5.6% · Purchase 1.9%
Conventional 100.0% · of 162 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 | 162 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 122 |
| West Palm Beach-Boca Raton-Delray Beach | 18 |
| Miami-Miami Beach-Kendall | 16 |
| Cape Coral-Fort Myers | 1 |
| Jacksonville | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| Port St. Lucie | 1 |
| Sebastian-Vero Beach-West Vero Corridor | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XS6ZEOAD9Q6N72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 56799 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561525 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: WE Florida Financial's data.
WE Florida Financial's data
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WE Florida Financial 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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