Innovations Financial Credit Union
Innovations Financial Credit Union received 228 applications in 2025 and made 134 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 165 decisions, 31 were denials — 18.8%, most often for debt-to-income ratio. 17 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002P2P2WON3W9P39 |
|---|---|
| Applications received | 228 |
| Mortgages made | 134 |
| Denied | 31 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 10 | Not published | $285,000 | 9.1% |
| Refinancing | 27 | Not published | $195,000 | 12.9% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 97 | Not published | $75,000 | 20.5% |
Where Innovations Financial Credit Union lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bay County, FL | 90 | Not published | 16.7% |
| Washington County, FL | 20 | Not published | 16.7% |
| Jackson County, FL | 8 | Under 10 loans | 0.0% |
| Walton County, FL | 6 | Under 10 loans | 0.0% |
| Holmes County, FL | 4 | Under 10 loans | 33.3% |
| Gulf County, FL | 1 | Under 10 loans | 50.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 0 | Under 10 loans | 100.0% |
| Decatur County, GA | 0 | Under 10 loans | Not published |
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When Innovations Financial Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.