Gulf Winds Credit Union mortgage approval rate & lending review
Gulf Winds Credit Union decided 730 mortgage applications and funded 572 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gulf Winds Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gulf Winds Credit Union at a glance
Approval is 7.2 points above the 73.1% 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 | 83% | 147 / 177 | 99% | $265K | 146 |
| Home improvement loans | 96% | 45 / 47 | 100% | $55K | 45 |
| Cash-out refinance | 79% | 371 / 470 | 97% | $65K | 359 |
| Refinance | 52% | 13 / 25 | 92% | $205K | 12 |
Gulf Winds Credit Union lending by state
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 Gulf Winds Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Escambia County, FL | Cash-out refinance | 80% | 253 | 197 |
| Santa Rosa County, FL | Cash-out refinance | 79% | 147 | 111 |
| Escambia County, FL | Mortgage lenders | 84% | 77 | 65 |
| Santa Rosa County, FL | Mortgage lenders | 82% | 56 | 46 |
| Baldwin County, AL | Cash-out refinance | 83% | 30 | 25 |
| Escambia County, FL | Home improvement loans | 95% | 20 | 19 |
| Leon County, FL | Cash-out refinance | 77% | 26 | 18 |
The county markets where Gulf Winds Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Gulf Winds Credit Union
What is Gulf Winds Credit Union's mortgage approval rate?
Gulf Winds Credit Union approved 80.3% of the 730 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 73.1% national rate for the same mix of loan types.
How often do borrowers take the loan Gulf Winds Credit Union offers?
Borrowers accepted 98% of the loans Gulf Winds Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gulf Winds Credit Union make?
The typical cash-out refinance loan Gulf Winds Credit Union made was $65K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gulf Winds Credit Union lend?
Gulf Winds Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Florida, Alabama and Georgia.
Can I apply to Gulf Winds Credit Union directly?
Yes. Gulf Winds Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gulf Winds 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 Gulf Winds Credit Union treats applications, then get a rate quote from the lender.