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Tyndall Federal Credit Union

Credit UnionPanama City, FLDirect to Consumer

Tyndall Federal Credit Union has 341 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 4 mkts
Safe Rate Awards💎FHA Champion💎VA ChampionConventional SuperstarPurchase SuperstarRefinance Superstar

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Safe Rate's 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

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Report Card

Tyndall Federal Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
+5.1 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
USDA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Sound
Exceptional
23869.8%
+0.108%Above
$1,505Fees
FHA Loans
Exceptional
Strong
Exceptional
Exceptional
5817.0%
+0.154%Above
$288Fees
VA Loans
Exceptional
Strong
Exceptional
Exceptional
339.7%
-0.575%Below
$1,221Fees
USDA Loans
Sound
Sound
102.9%
-0.225%Below
$946Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Sound
Strong
27680.9%
+0.042%Above
$1,340Fees
Refinance
Strong
Strong
Strong
Exceptional
6519.1%
+0.085%Above
$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
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Panama City, FLMSA
Volume: 134Mix: 39.30%of portfolio
Place
Exceptional
2
Mobile, AL, ALMSA
Volume: 44Mix: 12.90%of portfolio
Place
Strong
3
Dothan, AL, ALMSA
Volume: 30Mix: 8.80%of portfolio
Place
Strong
4
Daphne, ALMSA
Volume: 45Mix: 13.20%of portfolio
Place
Strong

Top States by Place Specialization Score

1
ALState
Volume: 141Mix: 41.35%of portfolio
Place
Strong
2
FLState
Volume: 183Mix: 53.67%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.