Fairwinds
Fairwinds is a credit union: it a member-owned, not-for-profit cooperative insured by the NCUA; you must be eligible for membership to borrow. It has 23 licensed Florida offices: Altamonte Springs, Apopka, Clermont, Deland, Deltona, Edgewater, Eustis, Fern Park and more.
| Kind | Credit union |
| License or charter | NCUA-insured credit union |
| Florida offices | Altamonte Springs, Apopka, Clermont, Deland, Deltona, Edgewater, Eustis, Fern Park, Kissimmee, Lake Mary, Leesburg, Longwood, Maitland, Mount Dora, New Smyrna Beach, Orange City, Orlando, Ormond Beach, Oviedo, Sanford, Winter Garden, Winter Park, Winter Springs |
| Legal entity | FAIRWINDS CREDIT UNION, LEI 54930030S6J5KOL5LJ73, Active |
| Counties | Lake, Orange, Osceola, Seminole, Volusia |
| Website | fairwinds.org |
Loan types Fairwinds lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Orlando firms offering it.
Credit union facts from the NCUA
| Total assets | $5,059,166,300 |
| Members | 239,737 |
| Residential mortgage loans outstanding | $1,569,353,449 |
| Residential mortgages granted this year | $164,409,472 |
| Mortgages sold to the secondary market this year | $7,503,764 |
| Florida branches | 32 |
| Year opened | 1949 |
| Headquarters | Orlando, FL |
NCUA 6/30/2025 NCUA 5300 call report, charter 68417. Residential figures are 1 to 4 family and other consumer real estate loans.
Loan mix from federal filings
| Florida loans originated, 2025 | 1,606 |
| Applications | 3,285 |
| Denial rate | 32% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 22% / 4% / 16% |
| Home improvement / other purpose | 31% / 26% |
| Home equity lines of credit (HELOC) | 446 of the 1,606 |
| Investor and second home share | 4% |
| Dollar volume | $318,010,000 |
| Top counties | Orange (528), Seminole (457), Volusia (220), Lake (181), Osceola (69) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by FAIRWINDS CREDIT UNION. Counts are loans in Florida only.
Fairwinds offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Orlando | 135 W Central Blvd 32801 | (407) 277-6030 | Principal office |
| Altamonte Springs | 891 E Altamonte Dr 32701 | (407) 277-6030 | Branch |
| Apopka | 1621 S Orange Blossom Trl 32703 | (407) 277-6030 | Branch |
| Clermont | 1380 S Grand Hwy 34711 | (407) 277-6030 | Branch |
| Clermont | 742 Cagan View Rd 34714 | (407) 277-6030 | Branch |
| Deland | 302 E New York Ave 32724 | (407) 277-6030 | Branch |
| Deltona | 111 Howland Blvd 32738 | (407) 277-6030 | Branch |
| Edgewater | 1504 S Ridgewood Ave 32132 | (407) 277-6030 | Branch |
| Kissimmee | 2975 E Irlo Bronson Memorial Hwy 34744 | (407) 277-6030 | Branch |
| Lake Mary | 2879 W Lake Mary Blvd 32746 | (407) 277-6030 | Branch |
| Leesburg | 27414 Us Highway 27 34748 | (407) 277-6030 | Branch |
| Longwood | 800 E State Road 434 32750 | (407) 277-6030 | Branch |
| Mount Dora | 18415 Us Highway 441 32757 | (407) 277-6030 | Branch |
| New Smyrna Beach | 2222 Florida 44 32168 | (407) 277-6030 | Branch |
| Orange City | 2487 Enterprise Rd 32763 | (407) 277-6030 | Branch |
| Orlando | 1000 Universal Studios Plz 32819 | (407) 277-6030 | Branch |
| Orlando | 105 Aquaris Agora Dr 32816 | (407) 277-5045 | Branch |
| Orlando | 12800 Tanja King Blvd 32828 | (407) 277-6030 | Branch |
| Orlando | 2375 S Semoran Blvd 32822 | (407) 277-6030 | Branch |
| Orlando | 5875 Arnold Palmer Dr 32835 | (407) 277-6030 | Branch |
| Orlando | 7037 Narcoossee Rd 32822 | (407) 277-6030 | Branch |
| Orlando | 881 N Alafaya Trl 32828 | (407) 658-9347 | Branch |
| Ormond Beach | 208 S Nova Rd 32174 | (407) 277-6030 | Branch |
| Oviedo | 1425 E Mitchell Hammock Rd 32765 | (407) 277-6030 | Branch |
| Oviedo | 156 Geneva Dr 32765 | (407) 365-6611 | Branch |
| Oviedo | 8305 Red Bug Lake Rd 32765 | (407) 366-4868 | Branch |
| Sanford | 420 W 1st St 32771 | (407) 548-6223 | Branch |
| Sanford | 5020 W State Road 46 32771 | (407) 277-6030 | Branch |
| Winter Garden | 13580 W Colonial Dr 34787 | (407) 277-6030 | Branch |
| Winter Park | 401 S Semoran Blvd 32792 | (407) 657-0070 | Branch |
| Winter Park | 699 N Orlando Ave 32789 | (407) 277-6030 | Branch |
| Winter Springs | 1475 Tuskawilla Rd 32708 | (407) 277-6030 | Branch |
As of October 15, 2026Source: NCUA office and branch records. Addresses are as filed; call before visiting.
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Orange County at a glance
| Mortgage applications filed in 2025 | 55,353 |
| Loans originated | 25,010 |
| Denial rate | 19% |
| FHA share of originations | 15% |
| VA share | 6% |
| Investor and second home share | 13% |
| Dollar volume originated | $11,335,890,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Orange County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.