Applications / Mortgage Analytics / Lenders / Florida / Santa Rosa County Federal Credit Union
Milton, FL · Credit union · NCUA · $215 million assets · 18 loans in 2025
Santa Rosa County Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
18
loans originated, 2025
18
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Santa Rosa County Federal Credit Union, of Milton, Florida, makes a handful of home loans a year, mostly to fix up homes or for other purposes rather than to buy them.
Half of its 18 loans in 2025 were for home improvement, 38.9% were for other purposes and 11.1% were refinances; it made no purchase loans. All were conventional, and none was on a manufactured home. Its typical loan was $80,000, smaller than the $105,000 at similar lenders (credit unions making between half and twice as many loans), which fits a book of improvement loans.
It made 27 loans in 2023, 22 in 2024 and 18 in 2025. It filed no report for 2018 to 2022; small lenders are not always required to report, so those years are gaps in the record, not years without lending. With so few loans, its shares of lending to poorer borrowers and neighborhoods are too small to compare with other lenders.
All its lending was in one county, in the Pensacola-Ferry Pass-Brent market, where it has reported since 2005. It ranked 203 of 515 lenders there. United Wholesale Mortgage and Navy Federal Credit Union led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Santa Rosa County Federal Credit Union took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Other 38.9% · Refinance 11.1%
Conventional 100.0% · of 18 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 | 18 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pensacola-Ferry Pass-Brent | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NPU1XJH9AFQT21 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 945389 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511780 | 2005–2016 |
Established 1 January 1957. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Santa Rosa County Federal Credit Union's data.
Santa Rosa County Federal Credit Union's data
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Santa Rosa County Federal 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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