Applications / Mortgage Analytics / Lenders / Florida / Members First Credit Union of Florida
Pensacola, FL · Credit union · NCUA · $310 million assets · 53 loans in 2025
Members First Credit Union of Florida's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
73
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members First Credit Union of Florida, a Pensacola lender since at least 1990, mostly lends to refinance or improve homes rather than to buy them.
Refinances made up 35.8% of its 53 loans in 2025, home improvement 22.6% and other purposes 22.6%. Home purchases were only 17.0%. Its typical loan was $85,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
It ranks 106 of 515 lenders in Pensacola-Ferry Pass-Brent, with a 0.2% share, unchanged from 2024. United Wholesale Mortgage leads that market with $297.0M, ahead of Navy Federal Credit Union with $272.3M.
It made 190 loans in 2021 and 53 in 2025; in 2025 alone its loans fell 20% while similar lenders grew 6%. It merged with Florida State Employee Federal Credit Union in 2021, which may have added to lending that year. The data do not say what drove the decline since.
Of its loans, 35.9% went to low- and moderate-income borrowers, against 31.2% at similar lenders, a higher share than at more than half 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Members First Credit Union of Florida took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.8% · Home improvement 22.6% · Other 22.6% · Purchase 17.0% · Not applicable 1.9%
Conventional 100.0% · of 53 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 | 51 | 96.2% |
| Alabama | 2 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pensacola-Ferry Pass-Brent | 50 |
| Daphne-Fairhope-Foley | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JSWMVSCXIPC896 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 114390 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561160 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Members First Credit Union of Florida's data.
Members First Credit Union of Florida's data
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Members First Credit Union of Florida 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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