Applications / Mortgage Analytics / Lenders / Florida / Harvesters Federal Credit Union
Cantonment, FL · Credit union · NCUA · $302 million assets · 33 loans in 2025
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33
loans originated, 2025
41
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harvesters Federal Credit Union is a small Pensacola-area lender whose mortgage lending has fallen steeply since 2020, though the loans it does make are much larger than those of similar credit unions.
It made 33 loans in 2025, down from 62 a year earlier and 213 in 2020. That fall of 47% compares with no change for the typical similar lender, meaning credit unions making between half and twice as many loans, and with 10% growth in the whole market. Only about one in twenty similar lenders shrank faster.
Its typical loan was $245,000, against $95,000 for similar credit unions, larger than about nine in ten of them. Two-thirds of its loans financed home purchases and the rest were refinances, all of them conventional loans without a government guarantee. That is why it lent $9.0 million in all, more than four in five similar lenders, despite its small loan count.
Pensacola-Ferry Pass-Brent is its main market, where it has lent since 1990. It ranked 87 of 515 lenders there, but its share fell from 0.6% to 0.2% as its own lending fell. United Wholesale Mortgage and Navy Federal Credit Union lead that market. It made its first loans in Tallahassee and Virginia Beach in 2025, too few to count for much.
Its lending to poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 18.2%, near the middle of similar credit unions. With only 33 loans, these shares can move a lot from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Harvesters Federal Credit Union took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
Conventional 100.0% · of 33 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 | 29 | 87.9% |
| Alabama | 3 | 9.1% |
| Virginia | 1 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pensacola-Ferry Pass-Brent | 28 |
| Daphne-Fairhope-Foley | 1 |
| Mobile | 1 |
| Tallahassee | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GXXWNCQH5XX485 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 571676 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55727 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Harvesters Federal Credit Union's data.
Harvesters Federal Credit Union's data
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