TROPICAL FINANCIAL CREDIT UNION
TROPICAL FINANCIAL CREDIT UNION received 948 applications in 2025 and made 381 mortgages, in 34 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 747 decisions, 355 were denials — 47.5%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BZDER2ZANLA242 |
|---|---|
| Applications received | 948 |
| Mortgages made | 381 |
| Denied | 355 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 201 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.06 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 34 | 6.375% | $285,000 | 23.4% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 57.9% |
| Cash-out refinancing | 339 | 7.150% | $105,000 | 48.9% |
Where TROPICAL FINANCIAL CREDIT UNION lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Broward County, FL | 144 | 7.000% | 47.6% |
| Miami-Dade County, FL | 114 | 7.000% | 47.0% |
| Palm Beach County, FL | 74 | 7.000% | 49.3% |
| Lee County, FL | 8 | Under 10 loans | 11.1% |
| St. Lucie County, FL | 7 | Under 10 loans | 22.2% |
| Hillsborough County, FL | 5 | Under 10 loans | 28.6% |
| Orange County, FL | 3 | Under 10 loans | 50.0% |
| Brevard County, FL | 2 | Under 10 loans | 50.0% |
| Collier County, FL | 2 | Under 10 loans | 33.3% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Jackson County, FL | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 2 | Under 10 loans | 60.0% |
| Martin County, FL | 2 | Under 10 loans | 33.3% |
| Seminole County, FL | 2 | Under 10 loans | 50.0% |
| Volusia County, FL | 2 | Under 10 loans | 33.3% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 66.7% |
| Manatee County, FL | 1 | Under 10 loans | 66.7% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 75.0% |
| Polk County, FL | 1 | Under 10 loans | 50.0% |
| St. Johns County, FL | 1 | Under 10 loans | 75.0% |
| Charlotte County, FL | 0 | Under 10 loans | 100.0% |
| Highlands County, FL | 0 | Under 10 loans | Not published |
| Lake County, FL | 0 | Under 10 loans | 100.0% |
| Osceola County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | 100.0% |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
| Union County, FL | 0 | Under 10 loans | 100.0% |
| Walton County, FL | 0 | Under 10 loans | Not published |
| Newton County, GA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When TROPICAL FINANCIAL CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.