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 score and performance metrics.

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 an overall pricing score of 67.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Fairwinds Credit Union?

Fairwinds Credit Union is a Credit Union headquartered in Orlando, FL.

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Fairwinds Credit Union

Credit Union•Orlando, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Fairwinds Credit Union — 446 loans across 815 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Fairwinds Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+8.3 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

383 loans · 0.10% above market

Sound

Top 60% of lenders

3/5

Jumbo

63 loans · 0.44% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

350 loans · 0.03% above market

Sound

Top 60% of lenders

3/5

Refinance

96 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Acceptable	383	85.9%	+0.095%Above	$1,711Fees
Jumbo Loans	Strong	Strong	—	Strong	63	14.1%	-0.439%Below	$2,684Credit

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume383

Mix85.9%

Spread

+0.095%Above

Fees

$1,711Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume63

Mix14.1%

Spread

-0.439%Below

Fees

$2,684Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	350	78.5%	+0.033%Above	$1,921Fees
Refinance	Strong	Sound	Strong	Sound	96	21.5%	+0.238%Above	$675Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume350

Mix78.5%

Spread

+0.033%Above

Fees

$1,921Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume96

Mix21.5%

Spread

+0.238%Above

Fees

$675Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

446

Applications

815

Volume

$189 million

Pricing & Closing

Avg Rate Spread

+0.083%

vs. market APOR

Avg Net Fees

$1,617

Origination − Credits

Pullthrough Rate

54.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$424,574

Avg Borrower Income

$206,262

Avg Property Value

$646,637

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

13Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

CTMAPA

South7

ALFLGANCSCTNTX

West3

AZCACO

Top Metro Areas by Place Specialization Score

Orlando, FLMetro

Volume 308Mix 69.06% of portfolio

85/100

Exceptional

Deltona, FLMetro

Volume 51Mix 11.43% of portfolio

70/100

Strong

Top States by Place Specialization Score

FloridaState

Volume 420Mix 94.17% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.