At a glance
From its website, read 2 Nov 2026We Florida Financial is a credit union based in Pembroke Pines, Florida. Its website describes auto loans, home repair loans, home mortgages and 1 other loan type. Where it lends: Anyone who lives or works in 46 named Florida counties. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (954) 745-2400 source |
|---|---|
| Phone | (954) 745-2444 source |
| Apply online | Page with the application link |
| Website | www.wefloridafinancial.com |
| Office (official list) | 9560 Pines Blvd., Pembroke Pines, FL 33024 |
What their website says about applying
Apply Online For Vehicle Loan!
sourceApply Online for Mortgage!
sourceGet Your HELOC Online!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As of 10/6/2026, our floor rate is 4.69%. | source |
| Loans (general) | Term: see their wording | From the start of the HELOC, the homeowner has up to 20 years to gradually pay back the amount borrowed, using monthly payments. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership & underwriting approval required.
source - Collateral flexible or not always required
Borrow without providing a security.
source - First-time homebuyer program
Home Loans for First-Time Buyers, Upgraders, Downsizers, and Mortgage Refinancers
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Dec 2019 |
| RSSD ID | 56799 |
| Address | 9560 Pines Blvd., Pembroke Pines, FL 33024 Directions (Google Maps) |
| Website | www.wefloridafinancial.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto loans that finance up to 100% of the MSRP of a new, untitled motor vehicle. | source |
| Home repair / improvement loans | — | Get a HELOC for Your Home Improvement! | source |
| Home mortgages | — | Built to suit every kind of budget with competitive Florida home loan interest rates, a quick approval process, and affordable lending options. | source |
| Personal / consumer loans | — | We Florida Financial offers three types of personal loans to best meet your needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Anyone who lives or works in 46 named Florida counties
Anyone who lives or works in any of these Florida counties -- Part or Full-time -- can join:
source
Borrower focus
- First-time homebuyers
Home Loans for First-Time Buyers, Upgraders, Downsizers, and Mortgage Refinancers
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online For Vehicle Loan!
source
Pages read (7)
- https://wefloridafinancial.com/
- https://wefloridafinancial.com/loans/auto
- https://wefloridafinancial.com/loans/personal
- https://wefloridafinancial.com/loans/mortgage
- https://wefloridafinancial.com/contact-us
- https://wefloridafinancial.com/loans/home-equity-line-of-credit
- https://wefloridafinancial.com/loan-apply
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.1 million in 4 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
Emergency Capital Investment Program (ECIP)
Treasury invested $16.1 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as WE FLORIDA FINANCIAL (charter 61525). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $700.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 40,348 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Florida (5 offices)
- Broward County (4): 9560 Pines Blvd, Pembroke Pines 33024 (main office); 634 NE 3rd Ave, Fort Lauderdale 33304; 6079 W Oakland Park Blvd, Lauderhill 33313; 8890 NW 44th St, Sunrise 33351
- Miami-Dade County (1): 680 NE 124th St, North Miami 33161
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by We Florida Financial (NCUA charter 61525, filed as “WE FLORIDA FINANCIAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $441 million, 23,128 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 11.1% from $496.2 million on 30 Jun 2025 |
| Members | 40,348 (as of 30 Jun 2026); 41,194 (as of 30 Jun 2025) |
| Loans per member | $10,930 (total loans divided by members, 30 Jun 2026) |
| Total assets | $700.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $26.5 million | 6.0% |
| Used vehicle loans | $61.4 million | 13.9% |
| First-lien home mortgages (1-4 family) | $58.3 million | 13.2% |
| Other real estate loans (junior liens, other) | $60.3 million | 13.7% |
| Commercial (business) loans | $114.1 million | 25.9% |
| Credit cards | $14.1 million | 3.2% |
| Other unsecured loans | $7.3 million | 1.7% |
| Leases and other secured loans | $98.9 million | 22.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025We Florida Financial reported 162 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $16.7M (median loan about $85,000). 3 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 3 | 1.9% |
| Refinance (incl. 49 cash-out) | 57 | 35% |
| Home improvement | 93 | 57% |
| Other purpose | 9 | 5.6% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 162 | 100% |
Included above: 162 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 9 counties with at least one; 100% of its 2025 loans were for properties in Florida:
- Broward County, FL (122)
- Palm Beach County, FL (18)
- Miami-Dade County, FL (16)
Filed under LEI 254900XS6ZEOAD9Q6N72 as “We Florida Financial”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $700.5 million | Larger than 68% of the 19 other certified credit unions in Florida (median $379.2 million). |
| Loans as a share of assets | 63% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $496.2 million → $441 million (-11%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 7 → 8. |
| Home loans originated in 2025 (HMDA) | 162 | More than 62% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 68% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 7 → 8 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 62% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Pembroke Pines and Florida
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Central County Community Development CorporationLoan fund · Fort Lauderdale, FLSmall-business loansVerified
Work at We Florida Financial? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.