Lender in Florida · HMDA 2025
Fairwinds Credit Union mortgages in Florida
Fairwinds Credit Union's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Fairwinds Credit Union originated 445 owner-occupied single-family loans in Florida from 572 completed applications.
Its median conventional purchase loan costs were $5,950 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.50% (Florida: 6.625%).
Loans in FL
445
of 572 applications
Denial rate
13.1%
Purchase · FL 12.8%
Rate spread
−0.10 pts
Conv. · FL +0.14 pts
Loan amount
$355,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 373 | 322 | 13.1% | 6.500% | −0.10 pts | $5,950 | $355,000 |
| Refinance | 93 | 53 | 43.0% | — | −0.34 pts | $4,370 | $235,000 |
| Cash-out refinance | 106 | 70 | 33.0% | — | +0.10 pts | $1,280 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Fairwinds Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Seminole County | 7 | 113 | 2.0% |
| Orange County | 22 | 140 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology