Gaining ground at home
It has lent in Pensacola-Ferry Pass-Brent since 1993. Its share there rose 0.4 points to 0.7%, and it ranked 30 of 515 lenders. In Tallahassee, FL its share rose 0.1 points to 0.2%, ranking 72 of 372.
Applications / Mortgage Analytics / Lenders / Florida / Gulf Winds Credit Union
Gulf Winds Credit Union
Pensacola, FL · Credit union · NCUA · $1.3 billion assets · 270 loans in 2025
Gulf Winds Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
270
loans originated, 2025
609
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gulf Winds Credit Union made 23% fewer loans in 2025, yet its share of its home market, Pensacola-Ferry Pass-Brent, more than doubled.
Fewer loans overall
Its loans fell 23% to 270, while similar lenders, credit unions making between half and twice as many loans, grew 7%. Its count has fallen every year since 2021, when it made 477. Refinancing and home improvement make up most of its lending, so weaker demand for both is one possible reason. A choice to lend less is another.
Mostly refinancing
Refinancing took 53.3% of its loans, purchases 27.4% and home improvement 19.3%. Its typical loan, $105,000, matched that of similar lenders. Loans insured by the Federal Housing Administration (FHA) made up 3.7%, where most peers made none.
Low-income borrowers near the middle
Low- and moderate-income borrowers took 27.9% of its loans, up from 22.2%, against 27.6% at similar lenders, near the middle of them.
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
270 loans in 2025, against a peak of 477 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gulf Winds Credit Union took 609 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
53.3% of its 2025 loans were refinance loans; 95.9% were conventional loans.
Refinance 53.3% · Purchase 27.4% · Home improvement 19.3%
Conventional 95.9% · FHA 3.7% · VA 0.4% · of 270 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
3 states, 11 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Florida | 220 | 81.5% |
| Alabama | 47 | 17.4% |
| Georgia | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Pensacola-Ferry Pass-Brent | 179 |
| Tallahassee | 34 |
| Daphne-Fairhope-Foley | 15 |
| Panama City-Panama City Beach | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Birmingham | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Lakeland-Winter Haven | 1 |
| Mobile | 1 |
| Montgomery | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N33AYNKI4VCV72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613697 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524702 | 2004–2017 |
Established 1 January 1954. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Gulf Winds Credit Union's data.
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