Applications / Mortgage Analytics / Lenders / Florida / Fairwinds Credit Union
Orlando, FL · Credit union · NCUA · $5.1 billion assets · 1,703 loans in 2025
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1,703
loans originated, 2025
3,481
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fairwinds Credit Union is an Orlando-based credit union with a wide mix of lending, home improvement and other purposes more than half of it, and far more of its loans in majority-minority areas than similar lenders.
Home improvement made up 29.7% of its loans, home purchases 25.1%, other purposes 24.8% and refinances 20.4%. All of it, 100.0%, was conventional, as at most similar lenders (credit unions making between half and twice as many loans). Its typical loan was $105,000, against $115,000 at peers.
Loans in majority-minority areas were 36.7% of its lending, against 10.9% at similar lenders, higher than about five in six of them, and up from 24.6% five years before. Its LMI (low- and moderate-income) shares were near the middle: 26.4% of loans to LMI borrowers and 14.2% in LMI areas, against 27.2% and 15.1% at peers.
Jumbo loans (larger than the conforming limit) were 9.5% of its lending, against 1.3% at similar lenders, higher than about nine in ten of them and up from 3.2% five years before. Its typical rate, 6.80%, was near peers' 7.00%.
Originations rose 1% to 1,703, while similar lenders grew 9% and the whole market 10%; its growth was lower than about three in four of them. In Orlando-Kissimmee-Sanford it ranked 19 of 854 lenders with a 1.0% share, unchanged from the year before.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fairwinds Credit Union took 3,481 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 29.7% · Purchase 25.1% · Other 24.8% · Refinance 20.4%
Conventional 100.0% · of 1,703 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,606 | 94.3% |
| Georgia | 16 | 0.9% |
| North Carolina | 15 | 0.9% |
| Texas | 12 | 0.7% |
| California | 11 | 0.6% |
| Virginia | 8 | 0.5% |
| South Carolina | 7 | 0.4% |
| Tennessee | 5 | 0.3% |
| Washington | 5 | 0.3% |
| Colorado | 4 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 1,235 |
| Deltona-Daytona Beach-Ormond Beach | 225 |
| Lakeland-Winter Haven | 21 |
| Jacksonville | 18 |
| Palm Bay-Melbourne-Titusville | 18 |
| Tampa | 15 |
| Wildwood-The Villages | 12 |
| North Port-Bradenton-Sarasota | 9 |
| Atlanta-Sandy Springs-Roswell | 6 |
| West Palm Beach-Boca Raton-Delray Beach | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930030S6J5KOL5LJ73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 414371 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568417 | 2000–2017 |
Established 1 January 1949. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Fairwinds Credit Union's data.
Fairwinds Credit Union's data
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Fairwinds Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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