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The Lender Report built this page from public records. Fairwinds Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Fairwinds Credit Union itself. Each figure shows its source and date. Work at Fairwinds Credit Union? You can claim this page for free.
Credit union, Orlando, FL
Fairwinds Credit Union
A credit union based in Orlando, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $996M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 50
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 30
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.34B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 407-277-6030 From the NCUA record, June 30, 2026.
- Website
- www.fairwinds.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- fairwinds.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- FAIRWINDS; Fairwinds CU; Fairwinds Credit Union.NCUA 5300,
- Address
- 135 W Central Blvd, Suite 1220, Orlando, FL 32801NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 8.1% to $565.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 11.3% to $83.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| May 2026 | Florida | SBA 504, Offices of Physicians (except Mental Health Specialists) | $230K | 25 yr | SBA FOIA | ||
| Mar 2026 | Florida | SBA 504, Offices of Lawyers | $150K | 25 yr | SBA FOIA | ||
| 2025 | Lee County, FL | Purchase, 25 to 49 units | $3M | 5.95% | 5 yr | 71% | HMDA 2025 |
| 2025 | Alachua County, FL | Purchase, 50 to 99 units | $2M | 6.31% | 5 yr | 57% | HMDA 2025 |
| 2025 | Hillsborough County, FL | Refinance, 5 to 24 units | $1.3M | 5.98% | 20.5 yr | 36% | HMDA 2025 |
| 2025 | Leon County, FL | Purchase, 5 to 24 units | $1M | 6.44% | 7 yr | 62% | HMDA 2025 |
| 2025 | Manatee County, FL | Purchase, 5 to 24 units | $460K | 6.05% | 5 yr | 37% | HMDA 2025 |
| Nov 2025 | Florida | SBA 504, Insurance Agencies and Brokerages | $190K | 25 yr | SBA FOIA | ||
| Aug 2025 | Florida | SBA 504, Information | $210K | 25 yr | SBA FOIA | ||
| Jan 2025 | Florida | SBA 504, Professional, Scientific, and Technical Services | $220K | 25 yr | SBA FOIA | ||
| Jan 2025 | Florida | SBA 504, Real Estate and Rental and Leasing | $130K | 25 yr | SBA FOIA | ||
| 2024 | Orange County, FL | Purchase, 50 to 99 units | $5M | 6.63% | 5 yr | 55% | HMDA 2024 |
| 2024 | Lee County, FL | Refinance, 5 to 24 units | $1.9M | 6.79% | 5 yr | 60% | HMDA 2024 |
| 2024 | Hillsborough County, FL | Improvement, 5 to 24 units | $1M | 6.75% | 5 yr | 35% | HMDA 2024 |
| 2024 | Sarasota County, FL | Refinance, 5 to 24 units | $860K | 7.15% | 3 yr | 67% | HMDA 2024 |
| 2024 | Pinellas County, FL | Purchase, 5 to 24 units | $600K | 6.89% | 5 yr | 60% | HMDA 2024 |
| 2024 | Polk County, FL | Refinance, 25 to 49 units | $360K | 6.92% | 5 yr | 59% | HMDA 2024 |
| Dec 2024 | Florida | SBA 504, Engineering Services | $300K | 25 yr | SBA FOIA | ||
| 2024 | Volusia County, FL | Refinance, 5 to 24 units | $240K | 7.01% | 3 yr | 36% | HMDA 2024 |
| Sep 2024 | Florida | SBA 504, Insurance Agencies and Brokerages | $500K | 25 yr | SBA FOIA | ||
| Sep 2024 | Florida | SBA 504, Drywall and Insulation Contractors | $460K | 25 yr | SBA FOIA | ||
| Aug 2024 | Florida | SBA 504, All Other General Merchandise Retailers | $230K | 25 yr | SBA FOIA | ||
| Jul 2024 | Florida | SBA 504, Transportation and Warehousing | $910K | 25 yr | SBA FOIA | ||
| May 2024 | Florida | SBA 504, Beauty Salons | $790K | 25 yr | SBA FOIA | ||
| Apr 2024 | Florida | SBA 504, Transportation and Warehousing | $1.1M | 25 yr | SBA FOIA | ||
| 30 SBA 504 first liens since October 2023, net of cancelled | $28.6M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $42.3M | 1.2% | -12.9% | 34 | $1.24M |
| Construction and land development | $83.9M | 2.4% | +11.3% | 29 | $2.89M |
| Owner-occupied CRE | $265M | 7.7% | -4.7% | 359 | $738K |
| Non-owner-occupied CRE | $565M | 16.4% | +8.1% | 404 | $1.40M |
| Farmland | $572K | 0.0% | Not reported | 1 | $572K |
| Commercial and industrial | $38.8M | 1.1% | +12.9% | 168 | $231K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $996M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $737M |
| Q4 2023 | $770M |
| Q1 2024 | $790M |
| Q2 2024 | $863M |
| Q3 2024 | $878M |
| Q4 2024 | $900M |
| Q1 2025 | $906M |
| Q2 2025 | $960M |
| Q3 2025 | $991M |
| Q4 2025 | $1.03B |
| Q1 2026 | $1.03B |
| Q2 2026 | $996M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 5 | $7.80M | $1.34M | $3M | HMDA, |
| Multifamily, 5 or more units | 2024 | 7 | $9.97M | $865K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 54 | $12.0M | $190K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 30 | $28.6M | $478K | $6.2M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 50 | $64.0M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $650K | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $6.44M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 14 | $10.3M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 33 | $46.6M | NCUA 5300, | ||
| C&I | First half of 2026 | 38 | $5.34M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $2.89M |
| Multifamily | $1.24M |
| Owner-occupied CRE | $738K |
| Non-owner-occupied CRE | $1.40M |
| Farmland | $572K |
| Commercial and industrial | $231K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 30 | 5 | 50 | 0 | 30 |
| North Carolina | 0 | 0 | 2 | 0 | 0 |
| Georgia | 0 | 0 | 1 | 0 | 0 |
| South Carolina | 0 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $654M | $344M to $1.20B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $996M | $0 to $2.19B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 152.2% | 0.0% to 182.8% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $87.0M | $48.4M to $157M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 119.2% | 28.8% to 154.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 64.3% | 55.9% to 86.9% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 12 multifamily loans with a known channel in 2024 to 2025, 6 (50.0%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Addition Financial Credit Union | FL | $3.81B | $280M |
| Grow Financial Credit Union | FL | $3.92B | $203M |
| Midflorida Credit Union | FL | $9.79B | $2.06B |
| Florida Credit Union | FL | $2.81B | $288M |
| Campus USA Credit Union | FL | $4.04B | $449M |
| GTE Credit Union | FL | $3.12B | $205M |
| Achieva Credit Union | FL | $3.25B | $193M |
| Penair Credit Union | FL | $2.82B | $208M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Fairwinds Credit Union, NCUA charter 68417. Compare it with the regulator's record. [NCUA profile]
- Balances. $5.34B in total assets and $996M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 50 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 96 loans in HMDA and SBA files, through September 30, 2026: 5 HMDA multifamily 2025, 7 HMDA multifamily 2024, 54 HMDA 1-4 unit investor 2025, 30 SBA 504 first liens in 36 months. [How each file was tied to Fairwinds Credit Union]
- Phone and website. Phone 407-277-6030, from the NCUA record. Website fairwinds.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68417
- RSSD
- 414371
- LEI
- 54930030S6J5KOL5LJ73
- The Lender Report ID
- lr_000365
- Main office county
- Orange
- Members
- 265,086
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $5.3B in total assets as of June 30, 2026 (NCUA 5300).
- Held $995.9M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $565.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 8.1% from a year earlier (NCUA 5300).
- Held $265.1M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $83.9M of construction and land loans as of June 30, 2026, up 11.3% from a year earlier (NCUA 5300).
- Originated 5 multifamily loans totaling $7.8M in 2025 (HMDA).
6 more sentences
- Originated 7 multifamily loans totaling $10M in 2024 (HMDA).
- Originated 54 1-4 unit investor or business-purpose loans totaling $12M in 2025 (HMDA).
- Provided the first lien on 37 SBA 504 projects with $33.3M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 7 were later cancelled (SBA).
- Originated 50 real-estate-secured commercial loans totaling $64M in the first half of 2026 (NCUA 5300).
- Held $11.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 30 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Fairwinds Credit Union, https://lender.report/lender/fairwinds-credit-union-fl/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Fairwinds Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem