Fairwinds Credit Union mortgage approval rate & lending review
Fairwinds Credit Union decided 5,573 mortgage applications and funded 3,885 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fairwinds Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fairwinds Credit Union at a glance
Approval is 0.4 points above the 70.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 1,078 / 1,273 | 99% | $355K | 1,071 |
| Home improvement loans | 68% | 1,883 / 2,756 | 98% | $65K | 1,838 |
| Cash-out refinance | 66% | 666 / 1,009 | 98% | $95K | 654 |
| Refinance | 60% | 162 / 268 | 98% | $155K | 158 |
| Investment property purchase | 79% | 103 / 130 | 99% | $235K | 102 |
| Investment cash-out refinance | 54% | 22 / 41 | 100% | $105K | 22 |
| Investment home improvement | 42% | 33 / 79 | 91% | $105K | 30 |
Fairwinds Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 71% | $95K | 5,442 | 3,785 |
| Georgia | 62% | $565K | 24 | 15 |
| Texas | 85% | $385K | 20 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fairwinds Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, FL | Home improvement loans | 68% | 942 | 628 |
| Seminole County, FL | Home improvement loans | 72% | 768 | 542 |
| Orange County, FL | Mortgage lenders | 82% | 403 | 329 |
| Volusia County, FL | Home improvement loans | 66% | 423 | 274 |
| Seminole County, FL | Mortgage lenders | 89% | 263 | 234 |
| Lake County, FL | Home improvement loans | 69% | 346 | 230 |
| Seminole County, FL | Cash-out refinance | 74% | 295 | 216 |
| Orange County, FL | Cash-out refinance | 62% | 347 | 211 |
| Volusia County, FL | Mortgage lenders | 87% | 133 | 116 |
| Lake County, FL | Mortgage lenders | 86% | 125 | 106 |
| Lake County, FL | Cash-out refinance | 66% | 137 | 90 |
| Volusia County, FL | Cash-out refinance | 64% | 131 | 81 |
The county markets where Fairwinds Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Fairwinds Credit Union
What is Fairwinds Credit Union's mortgage approval rate?
Fairwinds Credit Union approved 71.0% of the 5,573 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.4 points above the 70.6% national rate for the same mix of loan types.
How often do borrowers take the loan Fairwinds Credit Union offers?
Borrowers accepted 98% of the loans Fairwinds Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fairwinds Credit Union make?
The typical home improvement loan loan Fairwinds Credit Union made was $65K; across all loan types its typical loan ran from $65K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fairwinds Credit Union lend?
Fairwinds Credit Union decided applications in 17 of the states Fat Boy Data covers, most of them in Florida, Georgia and Texas.
Can I apply to Fairwinds Credit Union directly?
Yes. Fairwinds Credit Union is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fairwinds Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fairwinds Credit Union treats applications, then get a rate quote from the lender.