Applications / Mortgage Analytics / Lenders / Florida / Eglin Federal Credit Union
Fort Walton Beach, FL · Credit union · NCUA · $3.1 billion assets · 219 loans in 2025
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219
loans originated, 2025
275
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eglin Federal Credit Union lends to many people of modest means, but it makes about a third as many loans as it did in 2020.
Its 219 loans in 2025 were 17% fewer than the year before. Similar lenders, credit unions making between half and twice as many loans, grew 7%, and the whole market 10%; its change was lower than about nine in ten of them. In 2020 it made 641. Refinancing may have swelled that year's count, and refinances are now only 17.4% of its loans.
Home improvement is its biggest line, at 39.3% of its loans, and its typical loan was $95,000, against $105,000 at similar lenders. Borrowers with low or moderate incomes (LMI) took 47.0% of its loans, up from 25.7% a year earlier. That is higher than at almost all similar lenders, where the figure was 27.7%. Small home-improvement loans may suit such borrowers.
In Crestview-Fort Walton Beach-Destin, FL, where it has lent since 1991, it ranks 43 of 606 lenders. Its share slipped to 0.6% from 0.7%, which follows from its smaller volume; United Wholesale Mortgage and CrossCountry Mortgage lead. In Pensacola-Ferry Pass-Brent, FL its share rose to 0.2% from 0.1%. Only 0.9% of its loans were in majority-minority areas, against 11.7% at similar lenders. The neighborhoods of the two metros where it lends may account for that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Eglin Federal Credit Union took 275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.3% · Other 22.8% · Purchase 20.5% · Refinance 17.4%
Conventional 100.0% · of 219 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 | 219 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Crestview-Fort Walton Beach-Destin | 173 |
| Pensacola-Ferry Pass-Brent | 46 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZHQ3HT9DN8GB42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 91482 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59788 | 1991–2017 |
Established 1 January 1954. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Eglin Federal Credit Union's data.
Eglin Federal Credit Union's data
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Eglin 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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