Florida › Fort Lauderdale › Tropical Financial
Tropical Financial
Tropical Financial 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 7 licensed Florida offices: Bradenton, Coral Springs, Fort Lauderdale, Miami, Miramar, Plantation, West Palm Beach.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Bradenton, Coral Springs, Fort Lauderdale, Miami, Miramar, Plantation, West Palm Beach |
| Legal entity | TROPICAL FINANCIAL CREDIT UNION, LEI 549300BZDER2ZANLA242, Active |
| Counties | Broward, Manatee, Miami-Dade, Palm Beach |
| Website | tropicalfcu.com |
| Phone | (888) 261-8328 |
| Address shown on its site | 7975 NW 12th Street Doral, FL 33126 |
Loan types Tropical Financial lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Fort Lauderdale firms offering it.
- Adjustable rate mortgages (ARM)
- Cash out refinance
- Condo mortgages
- First time home buyer loans and programs
- Hard money and private money loans
- HELOCs
- Investment property and rental loans
- Jumbo loans
- Refinance
- Second home mortgages
- Small business loans
Credit union facts from the NCUA
| Total assets | $1,017,850,071 |
| Members | 63,482 |
| Residential mortgage loans outstanding | $286,095,007 |
| Residential mortgages granted this year | $23,527,441 |
| Mortgages sold to the secondary market this year | $3,718,260 |
| Florida branches | 7 |
| Year opened | 1935 |
| Headquarters | Miramar, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 68476. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 381 |
| Applications | 945 |
| Denial rate | 37% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 9% / 2% / 89% |
| Home improvement / other purpose | 0% / 0% |
| Home equity lines of credit (HELOC) | 269 of the 381 |
| Investor and second home share | 3% |
| Dollar volume | $60,835,000 |
| Top counties | Broward (144), Miami-Dade (114), Palm Beach (74), Lee (8), St. Lucie (7) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by TROPICAL FINANCIAL CREDIT UNION. Counts are loans in Florida only.
Tropical Financial offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Miramar | 3050 Corporate Way 33025 | (888) 261-8328 | Principal office |
| Doral | 7975 Nw 12th St 33126 | (305) 961-2140 | Branch |
| Fort Lauderdale | 5900 N Federal Hwy 33308 | (888) 261-8328 | Branch |
| Miami | 10510 N Kendall Dr 33176 | (305) 261-8328 | Branch |
| Miramar | 3050 Corporate Way 33025 | (888) 261-8328 | Branch |
| Plantation | 8247 W Sunrise Blvd 33322 | (888) 261-8328 | Branch |
| West Palm Beach | 6786 Okeechobee Blvd 33411 | (888) 261-8328 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
Other lenders and brokers in Fort Lauderdale
Mortgage lenderA&D Mortgage LLC
- Adjustable rate mortgages (ARM)
- Asset depletion loans
- Bank statement loans
- Rate buydown mortgages
- +22 more
5,245 FL loans in 2025See this lender- AFMortgage lender
American Financial Network, INC.
- Down payment assistance programs
- DSCR loans
- FHA loans
- First time home buyer loans and programs
- +3 more
1,724 FL loans in 2025See this lender 
Mortgage lenderAmericas Mortgage Professionals, LLC
- Adjustable rate mortgages (ARM)
- Cash out refinance
- FHA loans
- First time home buyer loans and programs
- +5 more
51 FL loans in 2025See this lender- CRMortgage lender
Consumer Real Estate Finance Co.
- Bank statement loans
- Bridge loans
- Business acquisition loans
- Cash out refinance
- +17 more
107 FL loans in 2025See this lender 
BankEverBank, National Association
- Business acquisition loans
- Commercial real estate loans
- Construction loans
- Equipment financing
- +5 more
1 FL loans in 2025See this bank
BankFirst-Citizens Bank & Trust Company
- 10 year fixed mortgages
- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
- Asset depletion loans
- +18 more
266 FL loans in 2025See this bank
Broward County at a glance
| Mortgage applications filed in 2025 | 75,964 |
| Loans originated | 31,292 |
| Denial rate | 23% |
| FHA share of originations | 14% |
| VA share | 4% |
| Investor and second home share | 14% |
| Dollar volume originated | $13,168,940,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Broward County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.