Applications / Mortgage Analytics / Lenders / Florida / Innovations Financial Credit Union / Competition
Innovations Financial Credit Union
Panama City Beach, FL · Credit union · NCUA · $652 million assets · 134 loans in 2025
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134
loans originated, 2025
228
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Innovations Financial 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 — PANAMA CITY-PANAMA CITY BEACH, FL, 2025
Innovations Financial Credit Union ranks 14th of 443 lenders in Panama City-Panama City Beach, FL, with $30.9M lent: 1.6% of a $1.96B market.
Panama City-Panama City Beach, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Innovations Financial 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 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CRESTVIEW-FORT WALTON BEACH-DESTIN, FL, 2025
Innovations Financial Credit Union ranks 198th of 606 lenders in Crestview-Fort Walton Beach-Destin, FL, with $3.0M lent: 0.1% of a $4.40B market.
Crestview-Fort Walton Beach-Destin, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Innovations Financial 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. 3 — NON-METRO FLORIDA, 2025
Innovations Financial Credit Union ranks 249th of 564 lenders in non-metro Florida, with $1.7M lent: 0.1% 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 Innovations Financial 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. 4 — ATLANTA-SANDY SPRINGS-ALPHARETTA, GA, 2025
Innovations Financial Credit Union ranks 867th of 892 lenders in Atlanta-Sandy Springs-Alpharetta, GA, with $150K lent: 0.0% of a $52.32B market.
Atlanta-Sandy Springs-Alpharetta, GA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Innovations Financial 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. 5 — WILDWOOD-THE VILLAGES, FL, 2025
Innovations Financial Credit Union ranks 449th of 451 lenders in Wildwood-The Villages, FL, with $55K lent: 0.0% of a $1.68B market.
Wildwood-The Villages, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Innovations Financial 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 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Innovations Financial Credit Union's data
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Innovations Financial 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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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.
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