Fairwinds Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Fairwinds Credit Union of Orlando, FL reported 3,481 mortgage applications totaling $716.9 million, down 3% from 2024. The average application was for $205,953, and applicants reported an average income of $144,169. 49% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (2,524), Deltona-Daytona Beach-Ormond Beach, FL (466) and Lakeland-Winter Haven, FL (46) (applications in parentheses).

Mortgage Company & Address Fairwinds Credit Union
3087 N. Alafaya Trail
Orlando, FL 32826
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,481
Total Mortgage Loan Application Amount $716,925,000
Average Mortgage Loan Application Amount $205,953
Highest Mortgage Loan Application Amount $3,605,000
Average Applicant Income $144,169
Highest Applicant Income $3,046,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fairwinds Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Fairwinds Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Orange, Florida 1,079 $ 221,175,000 $ 204,981 $ 146,000
Seminole, Florida 879 $ 129,575,000 $ 147,411 $ 134,000
Volusia, Florida 457 $ 61,175,000 $ 133,862 $ 109,000
Lake, Florida 396 $ 63,340,000 $ 159,949 $ 121,000
Osceola, Florida 170 $ 19,760,000 $ 116,235 $ 121,000
Polk, Florida 46 $ 5,280,000 $ 114,782 $ 99,000
Brevard, Florida 41 $ 14,335,000 $ 349,634 $ 177,000
Hillsborough, Florida 19 $ 11,425,000 $ 601,315 $ 269,000
Palm Beach, Florida 18 $ 9,710,000 $ 539,444 $ 240,000
Sumter, Florida 17 $ 4,195,000 $ 246,764 $ 150,000
Marion, Florida 15 $ 2,525,000 $ 168,333 $ 145,000
Pinellas, Florida 14 $ 6,840,000 $ 488,571 $ 296,000
Broward, Florida 13 $ 4,215,000 $ 324,230 $ 206,000
St. Johns, Florida 13 $ 10,235,000 $ 787,307 $ 342,000
Duval, Florida 12 $ 7,110,000 $ 592,500 $ 295,000
Pasco, Florida 11 $ 2,435,000 $ 221,363 $ 137,000
Flagler, Florida 9 $ 1,905,000 $ 211,666 $ 158,000
Manatee, Florida 8 $ 2,790,000 $ 348,750 $ 164,000
Miami-Dade, Florida 8 $ 2,780,000 $ 347,500 $ 146,000
Los Angeles, California 7 $ 7,415,000 $ 1,059,285 $ 316,000
Lee, Florida 7 $ 4,435,000 $ 633,571 $ 222,000
Cherokee, Georgia 7 $ 1,185,000 $ 169,285 $ 139,000
Sarasota, Florida 6 $ 9,620,000 $ 1,603,333 $ 405,000
St. Lucie, Florida 6 $ 650,000 $ 108,333 $ 114,000
Cobb, Georgia 6 $ 1,250,000 $ 208,333 $ 179,000
Bexar, Texas 6 $ 2,400,000 $ 400,000 $ 184,000
Alachua, Florida 5 $ 5,185,000 $ 1,037,000 $ 295,000
Citrus, Florida 5 $ 865,000 $ 173,000 $ 79,000
Collier, Florida 5 $ 6,185,000 $ 1,237,000 $ 361,000
Hernando, Florida 5 $ 1,765,000 $ 353,000 $ 211,000
Leon, Florida 5 $ 1,655,000 $ 331,000 $ 157,000
Harris, Texas 5 $ 3,555,000 $ 711,000 $ 356,000
Collin, Texas 4 $ 3,010,000 $ 752,500 $ 487,000
Dallas, Texas 4 $ 3,220,000 $ 805,000 $ 441,000
Maricopa, Arizona 3 $ 2,705,000 $ 901,666 $ 434,000
Escambia, Florida 3 $ 665,000 $ 221,666 $ 130,000
Indian River, Florida 3 $ 175,000 $ 58,333 $ 106,000
DeKalb, Georgia 3 $ 2,135,000 $ 711,666 $ 414,000
Fulton, Georgia 3 $ 3,585,000 $ 1,195,000 $ 646,000
Houston, Georgia 3 $ 595,000 $ 198,333 $ 49,000
Buncombe, North Carolina 3 $ 635,000 $ 211,666 $ 91,000
Transylvania, North Carolina 3 $ 1,965,000 $ 655,000 $ 282,000
Greenville, South Carolina 3 $ 565,000 $ 188,333 $ 165,000
Fresno, California 2 $ 2,010,000 $ 1,005,000 $ 224,000
Monterey, California 2 $ 2,250,000 $ 1,125,000 $ 469,000
Placer, California 2 $ 980,000 $ 490,000 $ 171,000
Capitol Planning Region, Connecticut 2 $ 970,000 $ 485,000 $ 229,000
Putnam, Florida 2 $ 530,000 $ 265,000 $ 115,000
Gwinnett, Georgia 2 $ 500,000 $ 250,000 $ 204,000
Wilkes, Georgia 2 $ 60,000 $ 30,000 $ 54,000
Cherokee, North Carolina 2 $ 450,000 $ 225,000 $ 61,000
Graham, North Carolina 2 $ 350,000 $ 175,000 $ 126,000
Macon, North Carolina 2 $ 550,000 $ 275,000 $ 152,000
Mecklenburg, North Carolina 2 $ 660,000 $ 330,000 $ 314,000
Wake, North Carolina 2 $ 1,230,000 $ 615,000 $ 245,000
Butler, Pennsylvania 2 $ 630,000 $ 315,000 $ 147,000
Anderson, South Carolina 2 $ 930,000 $ 465,000 $ 218,000
Horry, South Carolina 2 $ 1,020,000 $ 510,000 $ 239,000
Spartanburg, South Carolina 2 $ 270,000 $ 135,000 $ 63,000
Jefferson, Tennessee 2 $ 450,000 $ 225,000 $ 134,000
Bastrop, Texas 2 $ 440,000 $ 220,000 $ 220,000
Fort Bend, Texas 2 $ 1,750,000 $ 875,000 $ 512,000
Tarrant, Texas 2 $ 1,830,000 $ 915,000 $ 287,000
Cache, Utah 2 $ 1,460,000 $ 730,000 $ 355,000
King, Washington 2 $ 2,060,000 $ 1,030,000 $ 369,000
Jefferson, Alabama 1 $ 915,000 $ 915,000 $ 274,000
Madison, Alabama 1 $ 405,000 $ 405,000 $ 194,000
Mobile, Alabama 1 $ 35,000 $ 35,000 $ 57,000
Pima, Arizona 1 $ 745,000 $ 745,000 $ 783,000
Pinal, Arizona 1 $ 175,000 $ 175,000 $ 65,000
El Dorado, California 1 $ 355,000 $ 355,000 $ 199,000
Imperial, California 1 $ 155,000 $ 155,000 $ 191,000
Kern, California 1 $ 855,000 $ 855,000 $ 732,000
Mendocino, California 1 $ 625,000 $ 625,000 $ 339,000
Orange, California 1 $ 1,115,000 $ 1,115,000 $ 240,000
San Bernardino, California 1 $ 835,000 $ 835,000 $ 264,000
San Diego, California 1 $ 1,195,000 $ 1,195,000 $ 273,000
Tulare, California 1 $ 645,000 $ 645,000 $ 100,000
Boulder, Colorado 1 $ 1,015,000 $ 1,015,000 $ 415,000
Douglas, Colorado 1 $ 745,000 $ 745,000 $ 302,000
Gunnison, Colorado 1 $ 735,000 $ 735,000 $ 224,000
Jefferson, Colorado 1 $ 365,000 $ 365,000 $ 109,000
Larimer, Colorado 1 $ 515,000 $ 515,000 $ 548,000
Rio Blanco, Colorado 1 $ 605,000 $ 605,000 $ 512,000
Summit, Colorado 1 $ 635,000 $ 635,000 $ 436,000
Northeastern Connecticut Planning Region, Connecticut 1 $ 265,000 $ 265,000 $ 224,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 265,000 $ 265,000 $ 151,000
Bay, Florida 1 $ 65,000 $ 65,000 $ 25,000
Bradford, Florida 1 $ 125,000 $ 125,000 $ 42,000
Charlotte, Florida 1 $ 105,000 $ 105,000 $ 86,000
Dixie, Florida 1 $ 205,000 $ 205,000 $ 89,000
Gadsden, Florida 1 $ 25,000 $ 25,000 $ 73,000
Hardee, Florida 1 $ 15,000 $ 15,000 $ 12,000
Nassau, Florida 1 $ 465,000 $ 465,000 $ 785,000
Walton, Florida 1 $ 1,965,000 $ 1,965,000 $ 1,000
Bibb, Georgia 1 $ 145,000 $ 145,000 $ 103,000
Charlton, Georgia 1 $ 115,000 $ 115,000 $ 159,000
Dooly, Georgia 1 $ 55,000 $ 55,000 $ 68,000
Fayette, Georgia 1 $ 395,000 $ 395,000 $ 150,000
Haralson, Georgia 1 $ 35,000 $ 35,000 $ 174,000
Lowndes, Georgia 1 $ 65,000 $ 65,000 $ 105,000
Lumpkin, Georgia 1 $ 145,000 $ 145,000 $ 42,000
Pickens, Georgia 1 $ 345,000 $ 345,000 $ 384,000
Toombs, Georgia 1 $ 155,000 $ 155,000 $ 16,000
Towns, Georgia 1 $ 75,000 $ 75,000 $ 33,000
Upson, Georgia 1 $ 495,000 $ 495,000 $ 292,000
Walker, Georgia 1 $ 185,000 $ 185,000 $ 64,000
Boone, Indiana 1 $ 285,000 $ 285,000 $ 149,000
Jennings, Indiana 1 $ 175,000 $ 175,000 $ 115,000
Bristol, Massachusetts 1 $ 285,000 $ 285,000 $ 195,000
Norfolk, Massachusetts 1 $ 1,225,000 $ 1,225,000 $ 338,000
Plymouth, Massachusetts 1 $ 175,000 $ 175,000 $ 153,000
Suffolk, Massachusetts 1 $ 595,000 $ 595,000 $ 163,000
St. Louis, Missouri 1 $ 105,000 $ 105,000 $ 107,000
Avery, North Carolina 1 $ 755,000 $ 755,000 $ 0
Catawba, North Carolina 1 $ 255,000 $ 255,000 $ 207,000
Chatham, North Carolina 1 $ 585,000 $ 585,000 $ 202,000
Granville, North Carolina 1 $ 95,000 $ 95,000 $ 39,000
Guilford, North Carolina 1 $ 1,065,000 $ 1,065,000 $ 500,000
Haywood, North Carolina 1 $ 65,000 $ 65,000 $ 39,000
Iredell, North Carolina 1 $ 485,000 $ 485,000 $ 158,000
Jackson, North Carolina 1 $ 2,055,000 $ 2,055,000 $ 672,000
Swain, North Carolina 1 $ 175,000 $ 175,000 $ 140,000
Union, North Carolina 1 $ 855,000 $ 855,000 $ 235,000
Hamilton, Ohio 1 $ 135,000 $ 135,000 $ 118,000
Philadelphia, Pennsylvania 1 $ 605,000 $ 605,000 $ 300,000
Potter, Pennsylvania 1 $ 35,000 $ 35,000 $ 32,000
York, Pennsylvania 1 $ 485,000 $ 485,000 $ 250,000
Colleton, South Carolina 1 $ 175,000 $ 175,000 $ 66,000
Fairfield, South Carolina 1 $ 45,000 $ 45,000 $ 78,000
Florence, South Carolina 1 $ 325,000 $ 325,000 $ 85,000
Richland, South Carolina 1 $ 435,000 $ 435,000 $ 465,000
Blount, Tennessee 1 $ 165,000 $ 165,000 $ 138,000
Davidson, Tennessee 1 $ 1,005,000 $ 1,005,000 $ 385,000
Fentress, Tennessee 1 $ 115,000 $ 115,000 $ 82,000
Grainger, Tennessee 1 $ 155,000 $ 155,000 $ 38,000
Loudon, Tennessee 1 $ 515,000 $ 515,000 $ 154,000
Maury, Tennessee 1 $ 315,000 $ 315,000 $ 106,000
Shelby, Tennessee 1 $ 195,000 $ 195,000 $ 55,000
Washington, Tennessee 1 $ 225,000 $ 225,000 $ 76,000
Williamson, Tennessee 1 $ 1,525,000 $ 1,525,000 $ 690,000
El Paso, Texas 1 $ 355,000 $ 355,000 $ 132,000
Guadalupe, Texas 1 $ 175,000 $ 175,000 $ 244,000
Lubbock, Texas 1 $ 1,035,000 $ 1,035,000 $ 700,000
Montgomery, Texas 1 $ 675,000 $ 675,000 $ 55,000
Travis, Texas 1 $ 385,000 $ 385,000 $ 277,000
Davis, Utah 1 $ 615,000 $ 615,000 $ 156,000
Salt Lake, Utah 1 $ 975,000 $ 975,000 $ 548,000
Summit, Utah 1 $ 755,000 $ 755,000 $ 900,000
Albemarle, Virginia 1 $ 585,000 $ 585,000 $ 720,000
Charlottesville, Virginia 1 $ 385,000 $ 385,000 $ 180,000
Chesapeake, Virginia 1 $ 455,000 $ 455,000 $ 173,000
Dinwiddie, Virginia 1 $ 355,000 $ 355,000 $ 112,000
Fairfax, Virginia 1 $ 405,000 $ 405,000 $ 190,000
Fauquier, Virginia 1 $ 1,165,000 $ 1,165,000 $ 268,000
Frederick, Virginia 1 $ 445,000 $ 445,000 $ 238,000
Hanover, Virginia 1 $ 725,000 $ 725,000 $ 157,000
Roanoke, Virginia 1 $ 335,000 $ 335,000 $ 124,000
Suffolk, Virginia 1 $ 425,000 $ 425,000 $ 178,000
Tazewell, Virginia 1 $ 105,000 $ 105,000 $ 83,000
Clark, Washington 1 $ 805,000 $ 805,000 $ 326,000
Pierce, Washington 1 $ 855,000 $ 855,000 $ 571,000
Thurston, Washington 1 $ 615,000 $ 615,000 $ 400,000

Mortgage Loan Application Detail Totals for Fairwinds Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other Purpose 1,201 $118,815,000 $98,000 $3,255,000 $121,000 $3,046,000
Home Improvement 927 $82,555,000 $89,000 $2,805,000 $121,000 $1,063,000
Home Purchase 734 $383,560,000 $522,000 $3,255,000 $223,000 $2,241,000
Cash-out Refinancing 437 $61,285,000 $140,000 $925,000 $108,000 $490,000
Refinancing 182 $70,710,000 $388,000 $3,605,000 $184,000 $999,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,901 $382,435,000 $201,000 $2,885,000 $145,000 $2,241,000
Hispanic 738 $105,840,000 $143,000 $3,255,000 $118,000 $948,000
Not Provided 443 $116,455,000 $262,000 $3,255,000 $187,000 $3,046,000
Black or African American 228 $35,980,000 $157,000 $2,555,000 $107,000 $1,156,000
Asian 145 $62,955,000 $434,000 $3,605,000 $188,000 $1,147,000
American Indian or Alaskan Native 12 $2,850,000 $237,000 $1,505,000 $147,000 $475,000
Not applicable 11 $9,735,000 $885,000 $2,955,000 $0 $0
Native Hawaiian or Other Pacific Islander 3 $675,000 $225,000 $315,000 $77,000 $130,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,481 $716,925,000 $205,000 $3,605,000 $144,000 $3,046,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,703 $376,065,000 $220,000 $3,255,000 $153,000 $3,046,000
Application Denied By Financial Institution 1,095 $167,835,000 $153,000 $3,605,000 $116,000 $2,241,000
Application Withdrawn By Applicant 644 $168,180,000 $261,000 $2,885,000 $165,000 $3,046,000
Application Approved But Not Accepted 37 $3,935,000 $106,000 $885,000 $134,000 $913,000
File Closed For Incompleteness 2 $910,000 $455,000 $855,000 $411,000 $732,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,386 $549,090,000 $230,000 $3,255,000 $156,000 $3,046,000
Debt-To-Income Ratio 567 $90,055,000 $158,000 $3,605,000 $83,000 $663,000
Credit History 146 $17,520,000 $120,000 $2,555,000 $130,000 $1,156,000
Collateral 137 $15,025,000 $109,000 $1,005,000 $156,000 $1,500,000
Credit Application Incomplete 135 $22,395,000 $165,000 $2,805,000 $153,000 $1,100,000
Unverifiable Information 81 $11,365,000 $140,000 $915,000 $145,000 $916,000
Other 20 $5,440,000 $272,000 $2,885,000 $284,000 $2,241,000
Insufficient Cash (Downpayment, Closing Cost) 5 $5,155,000 $1,031,000 $3,255,000 $321,000 $985,000
Employment History 4 $880,000 $220,000 $465,000 $116,000 $295,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fairwinds Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Fairwinds Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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