Lenders › Fairwinds Credit Union › Florida
Fairwinds Credit Union in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Fairwinds Credit Union's 2024 HMDA record for Florida covers 3,519 applications, 1,648 of them originated, worth $294m.
Its denial rate in the state was 40.7%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 40.4%.
The median rate spread on its Florida originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Fairwinds Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 40.7% | 29.0% | 40.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.6% | 16.4% | 24.2% | 15.6% |
| Average originated loan | $178k | $359k | $181k | $329k |
| Home purchase share | 20.0% | 62.9% | 21.3% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 20% (330)Home improvement 35% (582)Refinancing 3% (52)Cash-out refinancing 13% (209)Other purpose 29% (475)
By type
Conventional 100% (1,648)
Denial reasons as coded
Share of 1,157 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Orange County | 1,233 | 566 | $113m | 42.0% |
| Seminole County | 869 | 439 | $61m | 35.6% |
| Volusia County | 477 | 227 | $29m | 41.4% |
| Lake County | 446 | 219 | $27m | 38.4% |
| Osceola County | 182 | 64 | $6.8m | 55.8% |
| Brevard County | 44 | 20 | $7.8m | 39.4% |
| Polk County | 65 | 18 | $2.0m | 64.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fairwinds Credit Union originate in Florida in 2024?
1,648 loans totalling $294m, from 3,519 applications reported for properties in Florida.
What is Fairwinds Credit Union's denial rate in Florida?
40.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 40.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Fairwinds Credit Union lend in most?
By originations: Orange County (566), Seminole County (439), Volusia County (227), Lake County (219), Osceola County (64).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.