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Midflorida
Midflorida 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 43 licensed Florida offices: Altamonte Springs, Arcadia, Auburndale, Avon Park, Bartow, Bay Pines, Belleview, Bradenton and more.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Altamonte Springs, Arcadia, Auburndale, Avon Park, Bartow, Bay Pines, Belleview, Bradenton, Brandon, Cape Coral, Clearwater, Davenport, Dunedin, Gainesville, Haines City, Kissimmee, Lake Placid, Lake Wales, Lakeland, Land O Lakes, Largo, Lutz, Madeira Beach, Maitland, Naples, New Port Richey, Ocala, Okeechobee, Orlando, Pinellas Park, Plant City, Port Saint Lucie, Port St Lucie, Sarasota, Sebring, Spring Hill, St Petersburg, Stuart, Tampa, The Villages, Vero Beach, Wauchula, Winter Haven |
| Legal entity | MIDFLORIDA, LEI 549300K7224BC1IAX207, Active |
| Counties | Alachua, Collier, Desoto, Glades, Hardee, Hernando, Highlands, Hillsborough, Indian River, Lee, Manatee, Marion, Martin, Orange, Osceola, Pasco, Pinellas, Polk, St. Lucie, Sarasota, Seminole, Sumter |
| Website | midflorida.com |
Loan types
Midflorida does not publish a loan program list we could read. The license record above is the public data available. If this is your company, claiming the page lets you list programs free.
Credit union facts from the NCUA
| Total assets | $8,653,742,672 |
| Members | 485,017 |
| Residential mortgage loans outstanding | $2,530,830,032 |
| Residential mortgages granted this year | $433,711,278 |
| Mortgages sold to the secondary market this year | $17,116,524 |
| Florida branches | 66 |
| Year opened | 1954 |
| Headquarters | Lakeland, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 68600. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 3,721 |
| Applications | 9,130 |
| Denial rate | 43% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 27% / 19% / 4% |
| Home improvement / other purpose | 34% / 16% |
| Home equity lines of credit (HELOC) | 1,208 of the 3,721 |
| Investor and second home share | 4% |
| Dollar volume | $763,775,000 |
| Top counties | Polk (1,160), Hillsborough (335), Pinellas (265), Highlands (241), St. Lucie (215) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by MIDFLORIDA. Counts are loans in Florida only.
Midflorida offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Lakeland | 129 S Kentucky Ave 33801 | (863) 688-3733 | Principal office |
| Altamonte Springs | 1199 Spring Centre South Blvd 32714 | (866) 913-3733 | Branch |
| Arcadia | 128 S Brevard Ave 34266 | (866) 913-3733 | Branch |
| Auburndale | 2146 Us Highway 92 W 33823 | (863) 668-3733 | Branch |
| Avon Park | 930 Us Highway 27 S 33825 | (866) 913-3733 | Branch |
| Bartow | 105 E Van Fleet Dr 33830 | (863) 688-3733 | Branch |
| Belleview | 10131 Se Us Highway 441 34420 | (866) 913-3733 | Branch |
| Bradenton | 1320 Cortez Rd W 34207 | (863) 616-2100 | Branch |
| Bradenton | 5905 Manatee Ave W 34209 | (863) 616-2100 | Branch |
| Brandon | 825 W Brandon Blvd 33511 | (866) 913-3733 | Branch |
| Cape Coral | 804 Cape Coral Pkwy E 33904 | (866) 913-3733 | Branch |
| Clearwater | 2400 Gulf To Bay Blvd 33765 | (866) 913-3733 | Branch |
| Davenport | 300 Ambersweet Way 33897 | (866) 913-3733 | Branch |
| Dunedin | 1201 Belcher Rd 34698 | (727) 228-9969 | Branch |
| Gainesville | 6120 Nw 1st Pl 32607 | (866) 913-3733 | Branch |
| Haines City | 35849 Us Hwy 27 N 33844 | (866) 913-3733 | Branch |
| Kissimmee | 1001 Buenaventura Blvd 34743 | (866) 913-3733 | Branch |
| Lake Placid | 611 E Interlake Blvd 33852 | (863) 688-3733 | Branch |
| Lake Wales | 237 State Road 60 W 33853 | (866) 913-3733 | Branch |
| Lakeland | 1090 Wedgewood Estates Blvd 33809 | (863) 688-3733 | Branch |
| Lakeland | 1817 Crystal Lake Dr 33801 | (863) 688-3733 | Branch |
| Lakeland | 205 S Florida Ave 33801 | (863) 688-3733 | Branch |
| Lakeland | 2100 Harden Blvd 33803 | (863) 688-3733 | Branch |
| Lakeland | 3008 S Florida Ave 33803 | (863) 688-3733 | Branch |
| Lakeland | 5301 Us Highway 98 S 33812 | (863) 688-3733 | Branch |
| Lakeland | 6040 S Florida Ave 33813 | (863) 688-3733 | Branch |
| Lakeland | 7301 Us Highway 98 N 33809 | (863) 688-3733 | Branch |
| Largo | 13075 Walsingham Rd 33774 | (866) 913-3733 | Branch |
| Largo | 2400 E Bay Dr 33771 | (863) 616-2100 | Branch |
| Lutz | 23551 Sr 54 33559 | (866) 913-3733 | Branch |
| Maitland | 450 S Orlando Ave 32751 | (866) 913-3733 | Branch |
| Naples | 3360 Pine Ridge Rd 34109 | (866) 913-3733 | Branch |
| New Port Richey | 7401 State Road 54 34653 | (866) 913-3733 | Branch |
| Ocala | 1520 E Silver Springs Blvd 34470 | (866) 913-3733 | Branch |
| Ocala | 1603 Sw 19th Ave 34471 | (866) 913-3733 | Branch |
| Ocala | 5450 Sw College Rd 34474 | (866) 913-3733 | Branch |
| Ocala | 6850 N Us Highway 27 34482 | (866) 913-3733 | Branch |
| Ocala | 7139 N Us Highway 441 34475 | (866) 913-3733 | Branch |
| Okeechobee | 3261 Us Highway 441 S 34974 | (866) 913-3733 | Branch |
| Orlando | 11411 Lake Underhill Rd 32825 | (866) 913-3733 | Branch |
| Orlando | 200 E Michigan St 32806 | (407) 545-4662 | Branch |
| Orlando | 5600 W Sand Lake Rd 32819 | (866) 913-3733 | Branch |
| Pinellas Park | 4300 Park Blvd N 33781 | (866) 913-3733 | Branch |
| Plant City | 2903 James L Redman Pkwy 33566 | (866) 913-3733 | Branch |
| Port Saint Lucie | 8351 S Us Highway 1 34952 | (863) 688-3733 | Branch |
| Port St Lucie | 1692 Sw Gatlin Blvd 34953 | (866) 913-3733 | Branch |
| Port St Lucie | 771 Nw Saint Lucie West Blvd 34986 | (866) 913-3733 | Branch |
| Sarasota | 544 S Washington Blvd 34236 | (863) 688-3733 | Branch |
| Sebring | 3863 Us Highway 27 S 33870 | (866) 913-3733 | Branch |
| Sebring | 6011 Us Highway 27 N 33870 | (866) 913-3733 | Branch |
| Sebring | 6105 Us Highway 27 N 33870 | (866) 913-3733 | Branch |
| Spring Hill | 11098 Spring Hill Dr 34608 | (866) 913-3733 | Branch |
| St Petersburg | 2646 4th St N 33704 | (866) 913-3733 | Branch |
| Stuart | 2370 S Kanner Hwy 34994 | (863) 688-3733 | Branch |
| Tampa | 1112 S Dale Mabry Hwy 33629 | (866) 913-3733 | Branch |
| Tampa | 13101 N Dale Mabry Hwy 33618 | (866) 913-3733 | Branch |
| Tampa | 20401 Bruce B Downs Blvd 33647 | (866) 913-3733 | Branch |
| Tampa | 3202 W Waters Ave 33614 | (866) 913-3733 | Branch |
| Tampa | 5002 E Fowler Ave 33617 | (863) 688-3733 | Branch |
| The Villages | 2285 Parr Dr 32162 | (866) 913-3733 | Branch |
Showing 60 of 66 Florida offices.
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Collier County at a glance
| Mortgage applications filed in 2025 | 19,243 |
| Loans originated | 9,281 |
| Denial rate | 18% |
| FHA share of originations | 9% |
| VA share | 3% |
| Investor and second home share | 24% |
| Dollar volume originated | $5,094,335,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $764,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Collier County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.