Fairwinds Credit Union in Texas vs the state
13.3%Denial rate-6.10 pts vs state
25.0%Decision denial rate+0.10 pts vs state
40.0%Origination rate-14.88 pts vs state
6.13%Median rate-0.38 pts vs state
-0.22Rate spread (pts)-0.41 pts vs state
$306kMedian applicant income
12Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 2 | 0.0% | 6.44% | #1,047 |
| 2024 | 7 | 3 | 0.0% | 6.63% | #1,019 |
| 2025 | 30 | 12 | 13.3% | 6.13% | #801 |
What Fairwinds Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Fairwinds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 6 | 2 | 2 | 33.3% |
| Harris County | 5 | 1 | 0 | 0.0% |
| Dallas County | 4 | 2 | 1 | 25.0% |
| Collin County | 4 | 1 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Bastrop County | 2 | 1 | 0 | 0.0% |
| Fort Bend County | 2 | 1 | 0 | 0.0% |
| Guadalupe County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Lubbock County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 30 applications in 2025, of which 12 were originated and 4 denied.
13.3% of all applications, or 25.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Fairwinds Credit Union originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are Fairwinds Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology