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(HMDA) records Fairwinds Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 2,524 | $ 433,850,000 | $ 171,889 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 466 | $ 63,080,000 | $ 135,364 | $ 110,000 |
| Lakeland-Winter Haven, FL | 46 | $ 5,280,000 | $ 114,782 | $ 99,000 |
| Outside any metro area | 41 | $ 15,135,000 | $ 369,146 | $ 176,121 |
| Palm Bay-Melbourne-Titusville, FL | 41 | $ 14,335,000 | $ 349,634 | $ 177,000 |
| Tampa, FL | 35 | $ 15,625,000 | $ 446,428 | $ 218,000 |
| Jacksonville, FL | 26 | $ 17,810,000 | $ 685,000 | $ 337,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 9,710,000 | $ 539,444 | $ 240,000 |
| Wildwood-The Villages, FL | 17 | $ 4,195,000 | $ 246,764 | $ 150,000 |
| Ocala, FL | 15 | $ 2,525,000 | $ 168,333 | $ 145,000 |
| Marietta, GA | 14 | $ 2,470,000 | $ 176,428 | $ 158,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 12,410,000 | $ 886,428 | $ 275,000 |
| St. Petersburg-Clearwater-Largo, FL | 14 | $ 6,840,000 | $ 488,571 | $ 296,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 4,215,000 | $ 324,230 | $ 206,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 7,105,000 | $ 645,909 | $ 378,000 |
| Dallas-Plano-Irving, TX | 8 | $ 6,230,000 | $ 778,750 | $ 464,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 5,980,000 | $ 747,500 | $ 357,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 2,780,000 | $ 347,500 | $ 146,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 4,435,000 | $ 633,571 | $ 222,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 7,415,000 | $ 1,059,285 | $ 316,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,575,000 | $ 367,857 | $ 192,000 |
| Port St. Lucie, FL | 6 | $ 650,000 | $ 108,333 | $ 114,000 |
| Tallahassee, FL | 6 | $ 1,680,000 | $ 280,000 | $ 140,000 |
| Gainesville, FL | 5 | $ 5,185,000 | $ 1,037,000 | $ 295,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,495,000 | $ 299,000 | $ 186,000 |
| Homosassa Springs, FL | 5 | $ 865,000 | $ 173,000 | $ 79,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 6,185,000 | $ 1,237,000 | $ 361,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 2,000,000 | $ 500,000 | $ 255,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,880,000 | $ 720,000 | $ 342,000 |
| Asheville, NC | 3 | $ 635,000 | $ 211,666 | $ 91,000 |
| Austin-Round Rock, TX | 3 | $ 825,000 | $ 275,000 | $ 239,000 |
| Boston, MA | 3 | $ 1,995,000 | $ 665,000 | $ 218,000 |
| Knoxville, TN | 3 | $ 835,000 | $ 278,333 | $ 110,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 2,845,000 | $ 948,333 | $ 393,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 665,000 | $ 221,666 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,335,000 | $ 445,000 | $ 180,000 |
| Sebastian-Vero Beach, FL | 3 | $ 175,000 | $ 58,333 | $ 106,000 |
| Warner Robins, GA | 3 | $ 595,000 | $ 198,333 | $ 49,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,570,000 | $ 785,000 | $ 229,000 |
| Charlottesville, VA | 2 | $ 970,000 | $ 485,000 | $ 450,000 |
| Columbia, SC | 2 | $ 480,000 | $ 240,000 | $ 271,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,110,000 | $ 555,000 | $ 205,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,830,000 | $ 915,000 | $ 287,000 |
| Fresno, CA | 2 | $ 2,010,000 | $ 1,005,000 | $ 224,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 970,000 | $ 485,000 | $ 229,000 |
| Logan, UT-ID | 2 | $ 1,460,000 | $ 730,000 | $ 355,000 |
| Morristown, TN | 2 | $ 450,000 | $ 225,000 | $ 134,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 1,020,000 | $ 510,000 | $ 239,000 |
| Pittsburgh, PA | 2 | $ 630,000 | $ 315,000 | $ 147,000 |
| Raleigh, NC | 2 | $ 1,230,000 | $ 615,000 | $ 245,000 |
| Richmond, VA | 2 | $ 1,080,000 | $ 540,000 | $ 134,000 |
| Salinas, CA | 2 | $ 2,250,000 | $ 1,125,000 | $ 469,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 2,060,000 | $ 1,030,000 | $ 369,000 |
| Spartanburg, SC | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 880,000 | $ 440,000 | $ 175,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,115,000 | $ 1,115,000 | $ 240,000 |
| Bakersfield, CA | 1 | $ 855,000 | $ 855,000 | $ 732,000 |
| Birmingham-Hoover, AL | 1 | $ 915,000 | $ 915,000 | $ 274,000 |
| Boulder, CO | 1 | $ 1,015,000 | $ 1,015,000 | $ 415,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Cincinnati, OH-KY-IN | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,965,000 | $ 1,965,000 | $ 1,000 |
| Durham-Chapel Hill, NC | 1 | $ 585,000 | $ 585,000 | $ 202,000 |
| El Centro, CA | 1 | $ 155,000 | $ 155,000 | $ 191,000 |
| El Paso, TX | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Florence, SC | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Fort Collins, CO | 1 | $ 515,000 | $ 515,000 | $ 548,000 |
| Greensboro-High Point, NC | 1 | $ 1,065,000 | $ 1,065,000 | $ 500,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 255,000 | $ 255,000 | $ 207,000 |
| Huntsville, AL | 1 | $ 405,000 | $ 405,000 | $ 194,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 285,000 | $ 285,000 | $ 149,000 |
| Johnson City, TN | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Lubbock, TX | 1 | $ 1,035,000 | $ 1,035,000 | $ 700,000 |
| Macon-Bibb County, GA | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Memphis, TN-MS-AR | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Mobile, AL | 1 | $ 35,000 | $ 35,000 | $ 57,000 |
| Norwich-New London, CT | 1 | $ 265,000 | $ 265,000 | $ 151,000 |
| Ogden-Clearfield, UT | 1 | $ 615,000 | $ 615,000 | $ 156,000 |
| Olympia-Tumwater, WA | 1 | $ 615,000 | $ 615,000 | $ 400,000 |
| Panama City, FL | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Philadelphia, PA | 1 | $ 605,000 | $ 605,000 | $ 300,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 805,000 | $ 805,000 | $ 326,000 |
| Providence-Warwick, RI-MA | 1 | $ 285,000 | $ 285,000 | $ 195,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 835,000 | $ 835,000 | $ 264,000 |
| Roanoke, VA | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Salt Lake City, UT | 1 | $ 975,000 | $ 975,000 | $ 548,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,195,000 | $ 1,195,000 | $ 273,000 |
| St. Louis, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Tacoma-Lakewood, WA | 1 | $ 855,000 | $ 855,000 | $ 571,000 |
| Tucson, AZ | 1 | $ 745,000 | $ 745,000 | $ 783,000 |
| Valdosta, GA | 1 | $ 65,000 | $ 65,000 | $ 105,000 |
| Visalia-Porterville, CA | 1 | $ 645,000 | $ 645,000 | $ 100,000 |
| Winchester, VA-WV | 1 | $ 445,000 | $ 445,000 | $ 238,000 |
| York-Hanover, PA | 1 | $ 485,000 | $ 485,000 | $ 250,000 |
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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