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Florida
Florida 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 8 licensed Florida offices: Belleview, Deland, Gainesville, Jacksonville, Lake City, Ocala, Starke, Wildwood.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Belleview, Deland, Gainesville, Jacksonville, Lake City, Ocala, Starke, Wildwood |
| Legal entity | FLORIDA, LEI 5493006ZBGVXBAMCRG16, Active |
| Counties | Alachua, Bradford, Columbia, Duval, Marion, Sumter, Volusia |
| Website | flcu.org |
| Phone | (800) 284-1144 |
| Address shown on its site | 5670 SW 41st Blvd, Gainesville FL 32608 |
Loan types Florida lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Jacksonville firms offering it.
- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
- Blanket and portfolio loans
- Cash out refinance
- Commercial real estate loans
- Condo mortgages
- Construction loans
- Conventional mortgages
- Equipment financing
- FHA loans
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Investment property and rental loans
- Jumbo loans
- Land loans
- Manufactured home loans
- Non QM loans
- Refinance
- Second home mortgages
- Unique property mortgages
- USDA loans
Credit union facts from the NCUA
| Total assets | $2,431,154,946 |
| Members | 171,550 |
| Residential mortgage loans outstanding | $280,626,454 |
| Residential mortgages granted this year | $35,505,934 |
| Mortgages sold to the secondary market this year | $3,816,600 |
| Florida branches | 16 |
| Year opened | 1954 |
| Headquarters | Gainesville, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 60497. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 840 |
| Applications | 4,925 |
| Denial rate | 41% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 22% / 2% / 12% |
| Home improvement / other purpose | 32% / 34% |
| Home equity lines of credit (HELOC) | 578 of the 840 |
| Investor and second home share | 3% |
| Dollar volume | $98,000,000 |
| Top counties | Marion (280), Alachua (179), Columbia (56), Volusia (39), Citrus (21) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by Florida Credit Union. Counts are loans in Florida only.
Florida offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Gainesville | 1615 Nw 80th Blvd 32606 | (352) 377-4141 | Principal office |
| Belleview | 10303 Se Us Highway 441 34420 | (352) 377-4141 | Branch |
| Deland | 1699a N Woodland Blvd 32720 | (386) 738-4717 | Branch |
| Gainesville | 1122 Ne 16th Ave 32601 | (352) 377-4141 | Branch |
| Gainesville | 1701 Nw 80th Blvd 32606 | (352) 377-4141 | Branch |
| Gainesville | 2785 Sw 91st St Ste 200 32608 | (352) 377-4141 | Branch |
| Gainesville | 2803 Sw 42nd St 32608 | (352) 377-4141 | Branch |
| Gainesville | 2831 Nw 43rd St 32606 | (352) 377-4141 | Branch |
| Gainesville | 3720 Nw 13th St Ste 10C 32609 | (352) 377-4141 | Branch |
| Lake City | 583 W Duval St 32055 | (352) 377-4141 | Branch |
| Ocala | 10 Bahia Ave 34472 | (352) 377-4141 | Branch |
| Ocala | 2424 Sw 17th Rd 34471 | (352) 377-4141 | Branch |
| Ocala | 3504 E Silver Springs Blvd 34470 | (352) 377-4141 | Branch |
| Ocala | 9680 Sw 114th St 34481 | (352) 377-4141 | Branch |
| Starke | 2460 Commercial Dr 32091 | (352) 377-4141 | Branch |
| Wildwood | 5804 Seven Mile Dr 34785 | (352) 377-4141 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Duval County at a glance
| Mortgage applications filed in 2025 | 46,349 |
| Loans originated | 21,490 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 17% |
| Investor and second home share | 12% |
| Dollar volume originated | $6,887,330,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.