Eglin Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
53rd9.0% deniedProcesswithdrawn + incomplete share, weight 15%
51st11.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 327 | 235 | 5.5% | 7.1% | 6.75% | $24M |
| 2024 | 329 | 265 | 3.7% | 4.2% | — | $33M |
| 2025 | 275 | 219 | 8.0% | 9.0% | — | $32M |
What Eglin Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 0 investment properties.
Who gets approved at Eglin Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 19 | 26.9% |
| $50k – $100k | 88 | 71 | 5.2% |
| $100k – $150k | 61 | 54 | 3.5% |
| $150k – $250k | 35 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 16 | 0.0% |
| 35–44 | 54 | 44 | 10.0% |
| 45–54 | 70 | 60 | 7.6% |
| 55–64 | 72 | 57 | 9.4% |
| 65–74 | 33 | 26 | 10.3% |
| Over 74 | 21 | 13 | 18.8% |
Where Eglin Credit Union lends
1 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 275 | 219 | 8.0% | — | #321 |
Frequently asked questions
Eglin Credit Union denied 9.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 53rd percentile of small mortgage lenders.
In 2025, 21% of its applications were for home purchases, 20% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.