Gulf Winds Credit Union
Gulf Winds Credit Union received 609 applications in 2025 and made 270 mortgages, in 30 counties across 5 states. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 373 decisions, 101 were denials — 27.1%, most often for credit history. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900N33AYNKI4VCV72 |
|---|---|
| Applications received | 609 |
| Mortgages made | 270 |
| Denied | 101 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 236 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.231 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 | 74 | 6.750% | $205,000 | 26.0% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Cash-out refinancing | 143 | 8.250% | $85,000 | 30.6% |
| Other purposes | 52 | 8.250% | $65,000 | 7.1% |
Where Gulf Winds Credit Union lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Escambia County, FL | 104 | 7.750% | 24.5% |
| Santa Rosa County, FL | 75 | 7.750% | 19.4% |
| Escambia County, AL | 21 | 7.750% | 38.2% |
| Leon County, FL | 17 | 7.950% | 21.7% |
| Wakulla County, FL | 16 | 8.350% | 15.8% |
| Baldwin County, AL | 15 | 8.250% | 28.6% |
| Monroe County, AL | 8 | Under 10 loans | 33.3% |
| Bay County, FL | 2 | Under 10 loans | 50.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 50.0% |
| Montgomery County, AL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, FL | 1 | Under 10 loans | 0.0% |
| Gadsden County, FL | 1 | Under 10 loans | 75.0% |
| Holmes County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Douglas County, GA | 1 | Under 10 loans | 0.0% |
| Autauga County, AL | 0 | Under 10 loans | 100.0% |
| Conecuh County, AL | 0 | Under 10 loans | 100.0% |
| Houston County, AL | 0 | Under 10 loans | Not published |
| Wilcox County, AL | 0 | Under 10 loans | Not published |
| Gulf County, FL | 0 | Under 10 loans | Not published |
| Jackson County, FL | 0 | Under 10 loans | 100.0% |
| Jefferson County, FL | 0 | Under 10 loans | Not published |
| Liberty County, FL | 0 | Under 10 loans | Not published |
| Okaloosa County, FL | 0 | Under 10 loans | 100.0% |
| Fannin County, GA | 0 | Under 10 loans | 100.0% |
| Chickasaw County, MS | 0 | Under 10 loans | 100.0% |
| Hidalgo County, TX | 0 | Under 10 loans | 100.0% |
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When Gulf Winds Credit Union’s figures are published for the next year, or restated.
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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.