# Tyndall Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/tyndall-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Tyndall Federal Credit Union is a credit union, headquartered in Panama City, FL, serving borrowers across 11 states, with 341 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900VECGAWC5CPU773
- **Headquarters:** Panama City, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, AZ, FL, GA, IN, LA, MO, MS, NC, PA, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.051%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,232
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 341
- **Dollar Volume:** $90 million
- **Applications Received:** 368
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $262,889
- **Average Borrower Income:** $124,067
- **Average Property Value:** $348,636

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- 💎 **VA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 238 | +0.108% | $1,505 | Strong 😀 |
| FHA | 65/100 | 58 | +0.154% | $288 | Strong 😀 |
| VA | 66/100 | 33 | -0.575% | $1,221 | Strong 😀 |
| USDA | 47/100 | 10 | -0.225% | $946 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 182 loans, Score: 59/100 (Sound)
- Refinance: 56 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 53 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 29 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 276 | $77M | +0.042% | Strong 😀 |
| Refinance | 66/100 | 65 | $12M | +0.085% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 183 | 0.06% | 67/100 |
| AL | 141 | 0.24% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Panama City | FL | 134 | 91/100 |
| Daphne | AL | 45 | 69/100 |
| Non |  | 45 | 43/100 |
| Mobile, AL | AL | 44 | 72/100 |
| Dothan, AL | AL | 30 | 71/100 |

## Where This Lender Ranks

Tyndall Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Alabama for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Alabama for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/va-loans)
- 🥇 **#1** in Panama City
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders)
- 🥇 **#1** in Panama City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Panama City for FHA Loans
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Mobile, AL Credit Unions
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Dothan, AL
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders)
- 🥇 **#1** in Dothan, AL Credit Unions
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Alabama for USDA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/usda-loans)
- 🥈 **#2** in Panama City for Conventional Loans
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Panama City for VA Loans
  - [View Full Rankings](https://saferate.com/panama-city/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Daphne for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Daphne for FHA Loans
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Mobile, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Mobile, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Dothan, AL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Dothan, AL for FHA Loans
  - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Alabama Credit Unions
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Alabama for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Daphne
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Tyndall Federal Credit Union offer?

Tyndall Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Tyndall Federal Credit Union offer mortgages?

Tyndall Federal Credit Union offers mortgages in 11 states: AL, AZ, FL, GA, IN, LA, MO, MS, NC, PA, TN.

### How competitive are Tyndall Federal Credit Union's mortgage rates?

Tyndall Federal Credit Union has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.051% above market average.

### What type of lender is Tyndall Federal Credit Union?

Tyndall Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Panama City, FL.

### What is Tyndall Federal Credit Union's loan approval success rate?

Tyndall Federal Credit Union has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tyndall-federal-credit-union

### How to Cite

> "Tyndall Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tyndall-federal-credit-union

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