FAIRWINDS CREDIT UNION
FAIRWINDS CREDIT UNION received 3,477 applications in 2025 and made 1,702 mortgages, in 163 counties across 19 states. The median rate its borrowers got was 6.800% on a median loan of $105,000. Of 2,832 decisions, 1,093 were denials — 38.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930030S6J5KOL5LJ73 |
|---|---|
| Applications received | 3,477 |
| Mortgages made | 1,702 |
| Denied | 1,093 |
| Approved, not taken up | 37 |
| Withdrawn or incomplete | 645 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.32 points |
| 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 | 427 | 6.125% | $375,000 | 15.0% |
| Refinancing | 83 | 5.875% | $225,000 | 37.6% |
| Cash-out refinancing | 264 | 7.050% | $105,000 | 31.5% |
| Other purposes | 928 | 7.250% | $65,000 | 46.8% |
Where FAIRWINDS CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, FL | 528 | 7.000% | 39.3% |
| Seminole County, FL | 457 | 6.875% | 35.1% |
| Volusia County, FL | 220 | 7.050% | 42.0% |
| Lake County, FL | 181 | 7.000% | 41.2% |
| Osceola County, FL | 69 | 6.750% | 51.0% |
| Polk County, FL | 21 | 7.050% | 46.2% |
| Brevard County, FL | 18 | 6.625% | 40.0% |
| Sumter County, FL | 12 | 6.088% | 7.7% |
| Hillsborough County, FL | 9 | Under 10 loans | 43.8% |
| St. Johns County, FL | 9 | Under 10 loans | 18.2% |
| Duval County, FL | 8 | Under 10 loans | 20.0% |
| Manatee County, FL | 6 | Under 10 loans | 25.0% |
| Palm Beach County, FL | 6 | Under 10 loans | 53.8% |
| Broward County, FL | 5 | Under 10 loans | 54.6% |
| Flagler County, FL | 5 | Under 10 loans | 28.6% |
| Lee County, FL | 5 | Under 10 loans | 16.7% |
| Miami-Dade County, FL | 5 | Under 10 loans | 0.0% |
| Collier County, FL | 4 | Under 10 loans | 20.0% |
| Leon County, FL | 4 | Under 10 loans | 20.0% |
| Pinellas County, FL | 4 | Under 10 loans | 42.9% |
| Alachua County, FL | 3 | Under 10 loans | 25.0% |
| Citrus County, FL | 3 | Under 10 loans | 40.0% |
| Hernando County, FL | 3 | Under 10 loans | 25.0% |
| Marion County, FL | 3 | Under 10 loans | 66.7% |
| Pasco County, FL | 3 | Under 10 loans | 57.1% |
| Sarasota County, FL | 3 | Under 10 loans | 40.0% |
| Buncombe County, NC | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 33.3% |
| Los Angeles County, CA | 2 | Under 10 loans | 50.0% |
| Monterey County, CA | 2 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| Escambia County, FL | 2 | Under 10 loans | 0.0% |
| Indian River County, FL | 2 | Under 10 loans | 33.3% |
| Putnam County, FL | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 60.0% |
| Cherokee County, GA | 2 | Under 10 loans | 60.0% |
| Cobb County, GA | 2 | Under 10 loans | 50.0% |
| DeKalb County, GA | 2 | Under 10 loans | 33.3% |
| Fulton County, GA | 2 | Under 10 loans | 33.3% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Transylvania County, NC | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 0.0% |
| Anderson County, SC | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 50.0% |
| Dallas County, TX | 2 | Under 10 loans | 33.3% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| King County, WA | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
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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.