Get & compare mortgage quotes anonymously Start in My Home
TFCU
Unclaimed

Tyndall Federal Credit Union

Credit Union•Panama City, FLHQ•Direct•Reviews near you on Google

Tyndall Federal Credit Union has 341 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
FHA Champion
FHA
Champion
VA Champion
VA
Champion
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

Explore another lender or local market

Report Card

Tyndall Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume238
Mix69.8%
Spread
+0.108%Above
Fees
$1,505Fees
FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume58
Mix17.0%
Spread
+0.154%Above
Fees
$288Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Exceptional
Volume33
Mix9.7%
Spread
-0.575%Below
Fees
$1,221Fees
USDA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix2.9%
Spread
-0.225%Below
Fees
$946Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume276
Mix80.9%
Spread
+0.042%Above
Fees
$1,340Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume65
Mix19.1%
Spread
+0.085%Above
Fees
$820Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
341
Applications
368
Volume
$89 million
Pricing & Closing
Avg Rate Spread
+0.051%
vs. market APOR
Avg Net Fees
$1,232
Origination − Credits
Pullthrough Rate
92.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,889
Avg Borrower Income
$124,067
Avg Property Value
$348,636

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest2
INMO
South7
ALFLGALAMSNCTN
West1
AZ

Top Metro Areas by Place Specialization Score

1© Balon Greyjoy · CC0
Panama City, FLMetro
Volume 134Mix 39.30% of portfolio
91/100
Exceptional
2© James Willamor · CC BY-SA 2.0
Mobile, ALMetro
Volume 44Mix 12.90% of portfolio
72/100
Strong
3© Ecjmartin1 · Public domain
Dothan, ALMetro
Volume 30Mix 8.80% of portfolio
71/100
Strong
4© tonya cook · CC BY-SA 3.0
Daphne, ALMetro
Volume 45Mix 13.20% of portfolio
69/100
Strong

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 141Mix 41.35% of portfolio
75/100
Strong
Florida
Florida
2
FloridaState
Volume 183Mix 53.67% of portfolio
67/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Tyndall Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.