Lenders › Space Coast Credit Union › Florida
Space Coast Credit Union in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Space Coast Credit Union reported 11,628 applications and 5,358 originations for 2024, $893m in all.
Its denial rate in the state was 38.3%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 38.6%.
The median rate spread on its Florida originations was 0.2 percentage points (state median 0.3).
Applications in the state were down 8% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Space Coast Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 38.3% | 29.0% | 38.6% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.6% | 16.4% | 10.6% | 15.6% |
| Average originated loan | $167k | $359k | $167k | $329k |
| Home purchase share | 20.0% | 62.9% | 20.0% | 57.0% |
| FHA-insured share | 0.3% | 17.7% | 0.3% | 13.4% |
| VA-guaranteed share | 0.1% | 9.5% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 20% (1,069)Home improvement 38% (2,029)Refinancing 3% (146)Cash-out refinancing 19% (1,005)Other purpose 21% (1,109)
By type
Conventional 100% (5,338)FHA 0% (16)VA 0% (4)
Denial reasons as coded
Share of 3,787 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Brevard County | 2,903 | 1,607 | $307m | 28.1% |
| Broward County | 2,323 | 953 | $138m | 43.9% |
| Miami-Dade County | 2,434 | 906 | $143m | 47.8% |
| Volusia County | 1,113 | 569 | $64m | 32.2% |
| Palm Beach County | 652 | 270 | $50m | 42.5% |
| Indian River County | 427 | 219 | $28m | 31.8% |
| Orange County | 258 | 131 | $29m | 33.5% |
| Flagler County | 237 | 112 | $14m | 42.2% |
| St. Lucie County | 222 | 108 | $13m | 37.6% |
| Seminole County | 112 | 60 | $9.3m | 33.0% |
| Osceola County | 103 | 49 | $14m | 41.3% |
| Collier County | 72 | 41 | $13m | 28.3% |
| Hillsborough County | 67 | 36 | $9.9m | 33.9% |
| Lee County | 93 | 35 | $7.1m | 52.1% |
| Martin County | 60 | 33 | $6.2m | 24.0% |
| St. Johns County | 51 | 29 | $8.0m | 19.0% |
| Duval County | 45 | 28 | $6.8m | 23.1% |
| Lake County | 72 | 27 | $4.4m | 48.3% |
| Polk County | 54 | 21 | $2.4m | 44.4% |
| Marion County | 39 | 19 | $3.1m | 42.9% |
| Pinellas County | 41 | 16 | $3.2m | 45.7% |
| Pasco County | 28 | 12 | $2.5m | — |
| Monroe County | 31 | 10 | $3.4m | 64.3% |
| Charlotte County | 25 | 10 | $2.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Space Coast Credit Union originate in Florida in 2024?
5,358 loans totalling $893m, from 11,628 applications reported for properties in Florida.
What is Space Coast Credit Union's denial rate in Florida?
38.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 38.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Space Coast Credit Union lend in most?
By originations: Brevard County (1,607), Broward County (953), Miami-Dade County (906), Volusia County (569), Palm Beach County (270).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.