# Suncoast Credit Union

> **Canonical URL:** https://saferate.com/lenders/suncoast-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


Suncoast Credit Union is a credit union, headquartered in Tampa, FL, serving borrowers across 8 states, with 1,508 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 2% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TOOOOW36EX6R40
- **Headquarters:** Tampa, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, FL, GA, MS, NC, SC, TN, VA
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 98/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.857%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-705
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,508
- **Dollar Volume:** $458 million
- **Applications Received:** 2,375
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $304,038
- **Average Borrower Income:** $127,326
- **Average Property Value:** $405,239

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 1,480 | -0.850% | $-699 | Strong 😀 |
| Jumbo | 67/100 | 28 | -1.240% | $-1,039 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,172 loans, Score: 76/100 (Strong)
- Refinance: 308 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 21 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 1,193 | $374M | -0.882% | Strong 😀 |
| Refinance | 74/100 | 315 | $85M | -0.763% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 1,473 | 0.50% | 85/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tampa, FL | FL | 501 | 87/100 |
| Cape Coral | FL | 304 | 87/100 |
| North Port | FL | 132 | 78/100 |
| St. Petersburg | FL | 90 | 73/100 |
| Punta Gorda, FL | FL | 88 | 83/100 |
| Homosassa Springs, FL | FL | 70 | 85/100 |
| Naples | FL | 69 | 80/100 |
| Lakeland | FL | 42 | 60/100 |
| Orlando | FL | 40 | 55/100 |
| Non |  | 37 | 33/100 |
| Ocala, FL | FL | 17 | 49/100 |
| Miami | FL | 16 | 44/100 |
| Jacksonville, FL | FL | 13 | 42/100 |
| Fort Lauderdale | FL | 11 | 40/100 |

## Where This Lender Ranks

Suncoast Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Florida Credit Unions
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Florida for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Tampa, FL
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders)
- 🥇 **#1** in Tampa, FL Credit Unions
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Tampa, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Tampa, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Tampa, FL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Tampa, FL for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in North Port Credit Unions
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in St. Petersburg
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders)
- 🥇 **#1** in St. Petersburg Credit Unions
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in St. Petersburg for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Punta Gorda, FL
  - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders)
- 🥇 **#1** in Homosassa Springs, FL
  - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders)
- 🥇 **#1** in Homosassa Springs, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Homosassa Springs, FL for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Lakeland for Conventional Loans
  - [View Full Rankings](https://saferate.com/lakeland/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Lakeland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lakeland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Florida
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders)
- 🥈 **#2** in Florida for Conventional Loans
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Suncoast Credit Union offer?

Suncoast Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Suncoast Credit Union offer mortgages?

Suncoast Credit Union offers mortgages in 8 states: AL, FL, GA, MS, NC, SC, TN, VA.

### How competitive are Suncoast Credit Union's mortgage rates?

Suncoast Credit Union has a pricing score of 98/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.857% below market average.

### What type of lender is Suncoast Credit Union?

Suncoast Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Tampa, FL.

### What is Suncoast Credit Union's loan approval success rate?

Suncoast Credit Union has a pull-through score of 61/100 (Strong). 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/suncoast-credit-union

### How to Cite

> "Suncoast Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/suncoast-credit-union

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