Applications / Mortgage Analytics / Lenders / Florida / Calhoun Liberty Credit Union
Blountstown, FL · Credit union · NCUA · 79 loans in 2025
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79
loans originated, 2025
89
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Calhoun Liberty Credit Union filed its first mortgage report in 2025, and its loans were larger than at most credit unions its size.
Its 79 loans put it near the middle of similar lenders, credit unions making between half and twice as many loans, whose typical count was 80. With no earlier report, there is no trend to read yet. Its lending spread over 12 counties in 2 states, mostly in Florida. In non-metro Florida, its largest market, it ranked 45 of 564 lenders.
Its typical loan was $195,000, about double the $95,000 at similar lenders. Its total of $18.4 million was higher than at about three in four of them. Other purposes made up 48.1% of its loans, refinances 29.1% and home purchases 22.8%. Every loan was conventional.
Low- and moderate-income (LMI) neighborhoods took 26.6% of its loans, against 17.4% at similar lenders. That is higher than about four in five of them. LMI borrowers took 16.5%, against 30.6%, lower than at most peers. Its larger loans may go to borrowers with higher incomes in those same neighborhoods.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Calhoun Liberty Credit Union took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 48.1% · Refinance 29.1% · Purchase 22.8%
Conventional 100.0% · of 79 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 | 78 | 98.7% |
| Kentucky | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tallahassee | 3 |
| Panama City-Panama City Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 89450050X5UV1V72BV64 | 2025–2025 |
Established 15 August 1957. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Calhoun Liberty Credit Union's data.
Calhoun Liberty Credit Union's data
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Calhoun Liberty 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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