Applications / Mortgage Analytics / Lenders / Florida / Tyndall Federal Credit Union
Panama City, FL · Credit union · NCUA · $1.9 billion assets · 718 loans in 2025
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718
loans originated, 2025
1,155
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tyndall Federal Credit Union is a Panama City credit union that ranked eighth in its home market, but its originations fell 25% in 2025 while similar lenders grew, and its share fell in Panama City and its Alabama markets.
It made 718 loans, down 25% from 953, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%; its growth was lower than at nearly all peers. Its total fell to $90.1 million from $141.0 million. It made 1,876 in 2020. The fact pack does not show why; it may have made fewer loans of one kind, such as home improvement, 33.8% of its lending, or chosen to grow more slowly.
In Panama City-Panama City Beach it ranked 8 of 443, behind DHI Mortgage Company and United Wholesale Mortgage, with its share down 0.6 points to 2.4%. Its shares also fell in Daphne-Fairhope-Foley, to 0.3% from 0.9%, in Mobile, to 0.4% from 0.8%, and in Dothan, to 0.7% from 1.6%. These falls may follow from its lower originations.
Conventional loans were 91.2% of its originations, against 100.0% at peers, lower than about nineteen in twenty. FHA loans (insured by the Federal Housing Administration) were 5.0%, while most peers made none.
Its typical loan was $85,000, against $105,000. LMI (low- and moderate-income) borrowers took 25.5%, against 27.4%, up from 18.6%; LMI areas took 12.8%, against 15.1%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tyndall Federal Credit Union took 1,155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.8% · Other 24.2% · Refinance 21.9% · Purchase 20.1%
Conventional 91.2% · FHA 5.0% · VA 3.6% · USDA (RHS or FSA) 0.1% · of 718 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 469 | 65.3% |
| Alabama | 208 | 29.0% |
| Georgia | 15 | 2.1% |
| South Carolina | 4 | 0.6% |
| Louisiana | 3 | 0.4% |
| Missouri | 3 | 0.4% |
| Mississippi | 3 | 0.4% |
| Illinois | 2 | 0.3% |
| Michigan | 2 | 0.3% |
| Arizona | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Panama City-Panama City Beach | 346 |
| Daphne-Fairhope-Foley | 80 |
| Dothan | 59 |
| Mobile | 50 |
| Crestview-Fort Walton Beach-Destin | 26 |
| Tallahassee | 9 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Orlando-Kissimmee-Sanford | 4 |
| Pensacola-Ferry Pass-Brent | 4 |
| Tampa | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VECGAWC5CPU773 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 803489 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510754 | 1992–2017 |
Established 1 January 1956. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Tyndall Federal Credit Union's data.
Tyndall Federal Credit Union's data
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Tyndall Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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