Fairwinds Credit Union in Georgia vs the state
26.3%Denial rate+7.10 pts vs state
38.5%Decision denial rate+13.39 pts vs state
42.1%Origination rate-11.98 pts vs state
6.09%Median rate-0.54 pts vs state
0.07Rate spread (pts)-0.20 pts vs state
$104kMedian applicant income
16Loans originated
10Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 8 | 29.4% | 6.00% | #571 |
| 2024 | 17 | 7 | 23.5% | 6.88% | #574 |
| 2025 | 38 | 16 | 26.3% | 6.09% | #483 |
What Fairwinds Credit Union lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Fairwinds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cherokee County | 7 | 2 | 3 | 42.9% |
| Cobb County | 6 | 2 | 2 | 33.3% |
| DeKalb County | 3 | 2 | 1 | 33.3% |
| Houston County | 3 | 0 | 0 | 0.0% |
| Fulton County | 3 | 2 | 1 | 33.3% |
| Gwinnett County | 2 | 0 | 1 | 50.0% |
| Wilkes County | 2 | 0 | 0 | 0.0% |
| Towns County | 1 | 1 | 0 | 0.0% |
| Lowndes County | 1 | 0 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 38 applications in 2025, of which 16 were originated and 10 denied.
26.3% of all applications, or 38.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Fairwinds Credit Union originated in Georgia in 2025 was 6.09%, against a statewide median of 6.63%.
About this data. Figures are Fairwinds Credit Union's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology