Lender profile · HMDA 2023–2025
Fairwinds Credit Union mortgage approval rates & lending data
Fairwinds Credit Union decided 5,573 mortgage applications and funded 3,885 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 1,078 / 1,273 | 99% | $355K | 1,071 |
| Home improvement loans | 68% | 1,883 / 2,756 | 98% | $65K | 1,838 |
| Cash-out refinance | 66% | 666 / 1,009 | 98% | $95K | 654 |
| Refinance | 60% | 162 / 268 | 98% | $155K | 158 |
| Investment property purchase | 79% | 103 / 130 | 99% | $235K | 102 |
| Investment cash-out refinance | 54% | 22 / 41 | 100% | $105K | 22 |
| Investment home improvement | 42% | 33 / 79 | 91% | $105K | 30 |
Fairwinds Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 71% | $95K | 5,442 | 3,785 |
| Georgia | 62% | $565K | 24 | 15 |
| Texas | 85% | $385K | 20 | 17 |
| North Carolina | 78% | $225K | 18 | 13 |
| California | 62% | $795K | 16 | 10 |
| South Carolina | 75% | $175K | 12 | 9 |
| Massachusetts | 67% | $465K | 6 | 4 |
| Arizona | 80% | $895K | 5 | 4 |
| Colorado | 100% | $305K | 5 | 5 |
| Tennessee | 100% | $165K | 5 | 5 |
| Washington | 100% | $855K | 5 | 5 |
| Alabama | 75% | $555K | 4 | 3 |
| Virginia | 100% | $455K | 4 | 4 |
| Connecticut | 100% | $275K | 2 | 2 |
| Pennsylvania | 100% | $215K | 2 | 2 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.