Applications / Mortgage Analytics / Lenders / Florida / Panhandle Credit Union
Panama City, FL · Credit union · NCUA · $357 million assets · 47 loans in 2025
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47
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Panhandle Credit Union, a newcomer to HMDA reporting in 2023, is a purchase lender in and around Panama City whose loans are bigger than its peers'.
Its typical loan was $175,000, against $95,000 at similar lenders, meaning credit unions making between half and twice as many loans. That is larger than at about four in five of them. Purchases made up 44.7% of its loans, which may explain the bigger sums. Every loan was conventional.
It first reported in 2023, with 79 loans. It made 52 in 2024 and 47 in 2025, a fall of 10% in the latest year while similar lenders grew by 4% and the whole market by 10%. Earlier years carry no report, which is a gap in the record rather than a sign it was not lending.
Panama City-Panama City Beach is its main market. It ranked 42 of 443 lenders there, with 0.5% of lending, down 0.1 points on the year. DHI Mortgage Company led. It lends in five counties of one state, and in 2025 first lent in Crestview-Fort Walton Beach-Destin.
Some 30.9% of its loans went to low- and moderate-income borrowers, close to the 31.0% at similar lenders and well up from 16.0% a year earlier. Its share in poorer neighborhoods, 19.1%, was a little above their 17.4%.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Panhandle Credit Union took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.7% · Refinance 21.3% · Other 19.1% · Home improvement 14.9%
Conventional 100.0% · of 47 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 | 47 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Panama City-Panama City Beach | 44 |
| Crestview-Fort Walton Beach-Destin | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NLCEXBVVCBZ024 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 691686 | 2004–2023 |
Established 1 January 1957. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Panhandle Credit Union's data.
Panhandle Credit Union's data
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Panhandle 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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