Suncoast Credit Union in Florida vs the state
19.7%Denial rate-1.35 pts vs state
23.0%Decision denial rate-4.24 pts vs state
65.2%Origination rate+12.51 pts vs state
7.25%Median rate+0.63 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$92kMedian applicant income
8,364Loans originated
2,528Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14,454 | 7,470 | 32.2% | 8.25% | #10 |
| 2024 | 11,713 | 7,078 | 24.4% | 8.50% | #18 |
| 2025 | 12,829 | 8,364 | 19.7% | 7.25% | #15 |
What Suncoast Credit Union lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Suncoast Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 2,766 | 1,862 | 540 | 19.5% |
| Lee County | 2,582 | 1,656 | 507 | 19.6% |
| Pasco County | 1,283 | 854 | 235 | 18.3% |
| Collier County | 951 | 612 | 193 | 20.3% |
| Hernando County | 731 | 499 | 146 | 20.0% |
| Manatee County | 642 | 441 | 103 | 16.0% |
| Pinellas County | 588 | 390 | 102 | 17.3% |
| Sarasota County | 587 | 374 | 109 | 18.6% |
| Charlotte County | 572 | 385 | 99 | 17.3% |
| Citrus County | 571 | 379 | 101 | 17.7% |
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: 12,829 applications in 2025, of which 8,364 were originated and 2,528 denied.
19.7% of all applications, or 23.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Suncoast Credit Union originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Suncoast 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