Fairwinds Credit Union in Florida vs the state
32.3%Denial rate+11.21 pts vs state
39.2%Decision denial rate+11.98 pts vs state
48.9%Origination rate-3.80 pts vs state
6.80%Median rate+0.17 pts vs state
0.36Rate spread (pts)+0.09 pts vs state
$102kMedian applicant income
1,606Loans originated
1,060Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,382 | 2,144 | 33.1% | 7.13% | #50 |
| 2024 | 3,519 | 1,648 | 32.9% | 7.55% | #56 |
| 2025 | 3,285 | 1,606 | 32.3% | 6.80% | #61 |
What Fairwinds Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Fairwinds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 1,079 | 528 | 353 | 32.7% |
| Seminole County | 879 | 457 | 253 | 28.8% |
| Volusia County | 457 | 220 | 163 | 35.7% |
| Lake County | 396 | 181 | 129 | 32.6% |
| Osceola County | 170 | 69 | 74 | 43.5% |
| Polk County | 46 | 21 | 18 | 39.1% |
| Brevard County | 41 | 18 | 12 | 29.3% |
| Hillsborough County | 19 | 9 | 7 | 36.8% |
| Palm Beach County | 18 | 6 | 7 | 38.9% |
| Sumter County | 17 | 12 | 1 | 5.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 3,285 applications in 2025, of which 1,606 were originated and 1,060 denied.
32.3% of all applications, or 39.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Fairwinds Credit Union originated in Florida in 2025 was 6.80%, against a statewide median of 6.63%.
About this data. Figures are Fairwinds Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology