Florida › Sarasota › Floridacentral
Floridacentral
Floridacentral 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 10 licensed Florida offices: Bradenton, Brandon, Clearwater, Lakeland, New Port Richey, Port Charlotte, Sarasota, Seminole and more.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Bradenton, Brandon, Clearwater, Lakeland, New Port Richey, Port Charlotte, Sarasota, Seminole, St Petersburg, Tampa |
| Legal entity | FLORIDACENTRAL CREDIT UNION, LEI 5493007WNCT2YQ8O4H14, Active |
| Counties | Charlotte, Hillsborough, Manatee, Pasco, Pinellas, Polk, Sarasota |
| Website | floridacentralcu.com |
| Phone | (813) 879-3333 |
| Address shown on its site | 3333 Henderson Blvd Tampa, FL 33609 |
Loan types Floridacentral 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.
- 10 year fixed mortgages
- 15 year fixed mortgages
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Refinance
- Second home mortgages
Credit union facts from the NCUA
| Total assets | $608,368,375 |
| Members | 42,911 |
| Residential mortgage loans outstanding | $136,186,163 |
| Residential mortgages granted this year | $15,613,256 |
| Florida branches | 13 |
| Year opened | 1954 |
| Headquarters | Tampa, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 67668. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 174 |
| Applications | 210 |
| Denial rate | 7% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 9% / 89% / 2% |
| Home improvement / other purpose | 0% / 0% |
| Home equity lines of credit (HELOC) | 86 of the 174 |
| Investor and second home share | 5% |
| Dollar volume | $22,630,000 |
| Top counties | Pinellas (57), Hillsborough (44), Manatee (19), Sarasota (16), Pasco (12) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by FLORIDA CENTRAL CREDIT UNION. Counts are loans in Florida only.
Floridacentral offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Tampa | 3333 Henderson Blvd 33609 | (813) 879-3333 | Principal office |
| Bradenton | 701 9th St W 34205 | (941) 752-4422 | Branch |
| Brandon | 334 Oakfield Dr 33511 | (813) 643-3933 | Branch |
| Clearwater | 2201 Ne Coachman Rd Ste 101 33765 | (727) 324-0599 | Branch |
| Lakeland | 4630 S Florida Ave 33813 | (863) 687-4166 | Branch |
| New Port Richey | 10175 State Road 54 34655 | (727) 326-1280 | Branch |
| Port Charlotte | 1600 Tamiami Trl 33948 | (941) 627-4900 | Branch |
| Sarasota | 3451 Cattlemen Rd 34232 | (941) 684-0094 | Branch |
| Seminole | 8202 113th St 33772 | (727) 497-0090 | Branch |
| St Petersburg | 400 16th St N 33705 | (727) 821-9555 | Branch |
| Tampa | 17502 Dona Michelle Dr 33647 | (813) 879-3333 | Branch |
| Tampa | 3902 Henderson Blvd 33629 | (813) 879-3333 | Branch |
| Tampa | 8620 Citrus Park Dr 33625 | (813) 433-2101 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
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- First time home buyer loans and programs
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- First time home buyer loans and programs
- HELOCs
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- Down payment assistance programs
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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.