Florida › Sarasota › 1St Street
1St Street
1St Street is a credit union: it a member-owned, not-for-profit cooperative insured by the NCUA; you must be eligible for membership to borrow. It has 1 licensed Florida office: Sarasota.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Sarasota |
| Counties | Sarasota |
| Website | smecu.org |
| Phone | (941) 953-6744 |
Loan types 1St Street lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Sarasota firms offering it.
Credit union facts from the NCUA
| Total assets | $31,812,566 |
| Members | 1,887 |
| Residential mortgage loans outstanding | $3,589,952 |
| Residential mortgages granted this year | $3,589,952 |
| Florida branches | 1 |
| Year opened | 1951 |
| Headquarters | Sarasota, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 67309. Residential figures are 1 to 4 family and other consumer real estate loans.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
1St Street offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Sarasota | 1558 1st St 34236 | (941) 953-6744 | Principal office |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Sarasota County at a glance
| Mortgage applications filed in 2025 | 25,799 |
| Loans originated | 12,534 |
| Denial rate | 16% |
| FHA share of originations | 11% |
| VA share | 6% |
| Investor and second home share | 19% |
| Dollar volume originated | $5,043,550,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $547,400 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Sarasota County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.