# FAIRWINDS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/fairwinds-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FAIRWINDS CREDIT UNION is a credit union, headquartered in Orlando, FL, serving borrowers across 13 states, with 446 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930030S6J5KOL5LJ73
- **Headquarters:** Orlando, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AZ, CA, CO, CT, FL, GA, MA, NC, PA, SC, TN, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.083%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,617
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 446
- **Dollar Volume:** $189 million
- **Applications Received:** 815
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $424,574
- **Average Borrower Income:** $206,262
- **Average Property Value:** $646,637

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 383 | +0.095% | $1,711 | Sound ☺️ |
| Jumbo | 77/100 | 63 | -0.439% | $-2,684 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 296 loans, Score: 54/100 (Sound)
- Refinance: 87 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 54 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 350 | $165M | +0.033% | Sound ☺️ |
| Refinance | 60/100 | 96 | $24M | +0.238% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 420 | 0.14% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Orlando | FL | 308 | 85/100 |
| Deltona | FL | 51 | 70/100 |

## Where This Lender Ranks

FAIRWINDS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Orlando Credit Unions
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Orlando for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Orlando for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Deltona Credit Unions
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Deltona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Orlando for Jumbo Loans
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/jumbo-loans)
- 🏆 **#14** in Orlando
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders)
- 🏆 **#20** in Deltona
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does FAIRWINDS CREDIT UNION offer?

FAIRWINDS CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FAIRWINDS CREDIT UNION offer mortgages?

FAIRWINDS CREDIT UNION offers mortgages in 13 states: AL, AZ, CA, CO, CT, FL, GA, MA, NC, PA, SC, TN, TX.

### How competitive are FAIRWINDS CREDIT UNION's mortgage rates?

FAIRWINDS CREDIT UNION has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.083% above market average.

### What type of lender is FAIRWINDS CREDIT UNION?

FAIRWINDS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Orlando, FL.

### What is FAIRWINDS CREDIT UNION's loan approval success rate?

FAIRWINDS CREDIT UNION has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fairwinds-credit-union

### How to Cite

> "FAIRWINDS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fairwinds-credit-union

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