Applications / Mortgage Analytics / Lenders / Florida / Gulf Winds Credit Union / Competition
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
Who Gulf Winds Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — PENSACOLA-FERRY PASS-BRENT, FL, 2025
Gulf Winds Credit Union ranks 30th of 515 lenders in Pensacola-Ferry Pass-Brent, FL, with $26.7M lent: 0.7% of a $3.92B market.
Pensacola-Ferry Pass-Brent, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — TALLAHASSEE, FL, 2025
Gulf Winds Credit Union ranks 72nd of 372 lenders in Tallahassee, FL, with $3.4M lent: 0.2% of a $1.71B market.
Tallahassee, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
Gulf Winds Credit Union ranks 143rd of 485 lenders in Daphne-Fairhope-Foley, AL, with $3.1M lent: 0.1% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO ALABAMA, 2025
Gulf Winds Credit Union ranks 210th of 523 lenders in non-metro Alabama, with $2.8M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO FLORIDA, 2025
Gulf Winds Credit Union ranks 470th of 564 lenders in non-metro Florida, with $350K lent: 0.0% of a $3.36B market.
non-metro Florida is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PUNTA GORDA, FL, 2025
Gulf Winds Credit Union ranks 411th of 548 lenders in Punta Gorda, FL, with $325K lent: 0.0% of a $2.09B market.
Punta Gorda, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Gulf Winds Credit Union ranks 799th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $325K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — BIRMINGHAM, AL, 2025
Gulf Winds Credit Union ranks 432nd of 523 lenders in Birmingham, AL, with $285K lent: 0.0% of a $7.02B market.
Birmingham, AL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Gulf Winds Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
The data and the software behind these pages
Gulf Winds Credit Union's data
$215
Gulf Winds 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.
Buy Gulf Winds Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]