Panhandle Credit Union
Panhandle Credit Union received 65 applications in 2025 and made 47 mortgages, in 5 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $175,000. Of 58 decisions, 7 were denials — 12.1%.
| Legal Entity Identifier | 549300NLCEXBVVCBZ024 |
|---|---|
| Applications received | 65 |
| Mortgages made | 47 |
| Denied | 7 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 7 |
| 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 | 21 | Not published | $285,000 | 7.7% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 16 | Not published | $40,000 | 10.5% |
Where Panhandle Credit Union lends most
The 5 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 | 42 | Not published | 13.2% |
| Washington County, FL | 2 | Under 10 loans | 0.0% |
| Calhoun County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
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When Panhandle 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.