Fairwinds Credit Union in California vs the state
23.8%Denial rate+6.39 pts vs state
31.3%Decision denial rate+8.85 pts vs state
52.4%Origination rate-3.82 pts vs state
5.88%Median rate-0.75 pts vs state
-0.17Rate spread (pts)-0.44 pts vs state
$264kMedian applicant income
11Loans originated
5Denied
What Fairwinds Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Fairwinds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 7 | 2 | 2 | 28.6% |
| Monterey County | 2 | 2 | 0 | 0.0% |
| Placer County | 2 | 2 | 0 | 0.0% |
| Fresno County | 2 | 0 | 2 | 100.0% |
| San Diego County | 1 | 1 | 0 | 0.0% |
| Kern County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Tulare County | 1 | 0 | 1 | 100.0% |
| Mendocino County | 1 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 21 applications in 2025, of which 11 were originated and 5 denied.
23.8% of all applications, or 31.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Fairwinds Credit Union originated in California in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Fairwinds Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology