Space Coast Credit Union in Florida vs the state
30.0%Denial rate+8.89 pts vs state
35.2%Decision denial rate+7.99 pts vs state
49.1%Origination rate-3.55 pts vs state
5.50%Median rate-1.13 pts vs state
-0.02Rate spread (pts)-0.29 pts vs state
$125kMedian applicant income
5,900Loans originated
3,596Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,692 | 5,437 | 34.4% | 5.74% | #13 |
| 2024 | 11,628 | 5,358 | 32.6% | 5.74% | #19 |
| 2025 | 12,006 | 5,900 | 30.0% | 5.50% | #17 |
What Space Coast Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Space Coast Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brevard County | 3,027 | 1,793 | 608 | 20.1% |
| Miami-Dade County | 2,371 | 954 | 932 | 39.3% |
| Broward County | 2,227 | 961 | 803 | 36.1% |
| Volusia County | 1,143 | 598 | 311 | 27.2% |
| Palm Beach County | 722 | 351 | 232 | 32.1% |
| Indian River County | 390 | 209 | 102 | 26.2% |
| Orange County | 330 | 185 | 76 | 23.0% |
| Flagler County | 243 | 130 | 65 | 26.7% |
| St. Lucie County | 225 | 94 | 82 | 36.4% |
| Seminole County | 136 | 80 | 27 | 19.9% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 12,006 applications in 2025, of which 5,900 were originated and 3,596 denied.
30.0% of all applications, or 35.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Space Coast Credit Union originated in Florida in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Space Coast Credit Union's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology