Gulf Winds Credit Union in Florida vs the state
14.5%Denial rate-6.54 pts vs state
23.8%Decision denial rate-3.43 pts vs state
46.1%Origination rate-6.63 pts vs state
7.75%Median rate+1.13 pts vs state
1.22Rate spread (pts)+0.95 pts vs state
$100kMedian applicant income
222Loans originated
70Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 747 | 299 | 11.0% | 6.05% | #185 |
| 2024 | 622 | 283 | 11.3% | — | #208 |
| 2025 | 482 | 222 | 14.5% | 7.75% | #244 |
What Gulf Winds Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Gulf Winds Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Escambia County | 227 | 104 | 34 | 15.0% |
| Santa Rosa County | 143 | 75 | 18 | 12.6% |
| Leon County | 41 | 17 | 5 | 12.2% |
| Wakulla County | 28 | 16 | 3 | 10.7% |
| Okaloosa County | 10 | 0 | 4 | 40.0% |
| Gadsden County | 9 | 1 | 3 | 33.3% |
| Bay County | 6 | 2 | 2 | 33.3% |
| Jefferson County | 4 | 0 | 0 | 0.0% |
| Franklin County | 3 | 1 | 0 | 0.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
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: 482 applications in 2025, of which 222 were originated and 70 denied.
14.5% of all applications, or 23.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Gulf Winds Credit Union originated in Florida in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Gulf Winds 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