Applications / Mortgage Analytics / Lenders / Florida / Loyalty Credit Union
Pensacola, FL · Credit union · NCUA · $299 million assets · 13 loans in 2025
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13
loans originated, 2025
18
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Loyalty Credit Union, a Pensacola credit union with $299 million in assets, made 13 home loans in 2025, too few for its figures to say much.
The credit union has filed HMDA reports since 1990. It made 46 loans in 2019 and 63 in 2022, then 13 in 2023 and four in 2024. As a lender that mostly refinances, it may simply have had fewer members wanting to refinance. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending. Its 13 loans in 2025 compare with 19 at a typical similar lender, meaning a credit union making between half and twice as many loans.
None of its 13 loans was for a home purchase. Refinances made up most of them, with the rest for home improvement and other purposes. All were conventional loans. With so few loans, its shares of lending to particular borrowers or neighborhoods are too small to compare with similar lenders.
Its home market is Pensacola-Ferry Pass-Brent, where it has lent since 1990 and ranked 227 of 515 lenders in 2025. It also lends in Tallahassee and in Daphne-Fairhope-Foley, Alabama. It merged with Endeavor Federal Credit Union in 2007 and Tallahassee-Leon Federal Credit Union in 2022; their filings count as its own in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Loyalty Credit Union took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.8% · Other 38.5% · Home improvement 7.7%
Conventional 100.0% · of 13 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 | 12 | 92.3% |
| Alabama | 1 | 7.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pensacola-Ferry Pass-Brent | 9 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Daphne-Fairhope-Foley | 1 |
| Panama City-Panama City Beach | 1 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FDNZSDIZP9N063 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 669498 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562417 | 1990–2017 |
Established 1 January 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Loyalty Credit Union's data.
Loyalty Credit Union's data
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