Applications / Mortgage Analytics / Lenders / Florida / Community South Credit Union
Chipley, FL · Credit union · NCUA · $233 million assets · 6 loans in 2025
Community South Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
6
loans originated, 2025
225
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community South Credit Union, of Chipley, Florida, made just 6 loans in 2025, down from 45 the year before and 135 in 2022.
Its loans fell 87% in 2025, a steeper fall than at nearly all similar lenders (credit unions making between half and twice as many loans); a typical one shrank 22%, while the whole market grew 10%. The credit union first reported in 2020, with 66 loans. Volume peaked at 135 in 2022 and fell to 41 in 2023. Its figures do not say why; a lender this small could swing so far on a decision to make fewer mortgages, or on a handful of members borrowing elsewhere.
With 6 loans, its shares of loan types, borrower groups, prices and loan sizes rest on a handful of cases and say little. A year earlier, on 45 loans, all of its lending was conventional, with no government backing.
It lends in four Florida counties: in the Panama City-Panama City Beach and Tallahassee metros and in non-metro Florida, all entered in 2020. In Panama City its share slipped from 0.1% to 0.0%, which may simply reflect its smaller volume. DHI Mortgage Company leads that market with $178.9M.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Community South Credit Union took 225 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 16.7%
Conventional 50.0% · FHA 50.0% · of 6 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 | 6 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Panama City-Panama City Beach | 2 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845003EDC545AF61498 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 358091 | 2022–2023 |
Established 1 January 1991. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Community South Credit Union's data.
Community South Credit Union's data
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Community South 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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