# SPACE COAST CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/space-coast-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SPACE COAST CREDIT UNION is a credit union, headquartered in Melbourne, FL, with 1,012 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300VN9E1DEKF26E34
- **Headquarters:** Melbourne, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.120%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $451
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,012
- **Dollar Volume:** $421 million
- **Applications Received:** 1,879
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $416,047
- **Average Borrower Income:** $186,631
- **Average Property Value:** $599,842

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 933 | -0.125% | $399 | Strong 😀 |
| FHA | 50/100 | 15 | +0.836% | $1,893 | Sound ☺️ |
| Jumbo | 79/100 | 60 | -0.409% | $976 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 738 loans, Score: 75/100 (Strong)
- Refinance: 195 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 57 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 811 | $363M | -0.156% | Strong 😀 |
| Refinance | 72/100 | 201 | $58M | +0.015% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 1,012 | 0.35% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Palm Bay | FL | 458 | 99/100 |
| Deltona | FL | 97 | 77/100 |
| Fort Lauderdale | FL | 94 | 68/100 |
| Miami | FL | 83 | 66/100 |
| Orlando | FL | 77 | 64/100 |
| Sebastian | FL | 34 | 75/100 |
| West Palm Beach | FL | 33 | 57/100 |
| Jacksonville, FL | FL | 25 | 51/100 |
| Naples | FL | 24 | 60/100 |
| Port St. Lucie, FL | FL | 21 | 53/100 |
| Tampa, FL | FL | 16 | 44/100 |
| Cape Coral | FL | 10 | 40/100 |

## Where This Lender Ranks

SPACE COAST CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Palm Bay Credit Unions
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Palm Bay for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Florida for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Palm Bay for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Deltona Credit Unions
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Deltona for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fort Lauderdale for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fort Lauderdale for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Miami for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Orlando for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Sebastian for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in West Palm Beach for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in West Palm Beach for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Orlando Credit Unions
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Port St. Lucie, FL Credit Unions
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Port St. Lucie, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Florida Credit Unions
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Florida for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Florida for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Palm Bay for Jumbo Loans
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does SPACE COAST CREDIT UNION offer?

SPACE COAST CREDIT UNION offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SPACE COAST CREDIT UNION offer mortgages?

SPACE COAST CREDIT UNION offers mortgages in 1 states: FL.

### How competitive are SPACE COAST CREDIT UNION's mortgage rates?

SPACE COAST CREDIT UNION has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.120% below market average.

### What type of lender is SPACE COAST CREDIT UNION?

SPACE COAST CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Melbourne, FL.

### What is SPACE COAST CREDIT UNION's loan approval success rate?

SPACE COAST CREDIT UNION has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/space-coast-credit-union

### How to Cite

> "SPACE COAST CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/space-coast-credit-union

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