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Space Coast Credit Union

Credit Union•Melbourne, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Space Coast Credit Union — 1.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Single State · 12 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 12.00 basis points below market average
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Space Coast Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 12.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 12 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume933
Mix92.2%
Spread
-0.125%Below
Fees
$399Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume15
Mix1.5%
Spread
+0.836%Above
Fees
$1,893Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume60
Mix5.9%
Spread
-0.409%Below
Fees
$976Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume811
Mix80.1%
Spread
-0.156%Below
Fees
$451Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume201
Mix19.9%
Spread
+0.015%Above
Fees
$451Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,012
Applications
1,879
Volume
$421 million
Pricing & Closing
Avg Rate Spread
-0.120%
vs. market APOR
Avg Net Fees
$451
Origination − Credits
Pullthrough Rate
53.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$416,047
Avg Borrower Income
$186,631
Avg Property Value
$599,842

Geographic Coverage

Geographic Performance

Metro Areas
12
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
FL

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY-SA 3.0
Palm Bay, FLMetro
Volume 458Mix 45.26% of portfolio
99/100
Exceptional
2© nick hoke · CC BY 3.0
Deltona, FLMetro
Volume 97Mix 9.58% of portfolio
77/100
Strong
3© Ebyabe · CC BY-SA 3.0
Sebastian, FLMetro
Volume 34Mix 3.36% of portfolio
75/100
Strong
4© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 94Mix 9.29% of portfolio
68/100
Strong
5© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 83Mix 8.20% of portfolio
66/100
Strong
6© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 77Mix 7.61% of portfolio
64/100
Strong
7© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 24Mix 2.37% of portfolio
60/100
Strong
8© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 33Mix 3.26% of portfolio
57/100
Sound
9© Dough4872 · CC BY-SA 4.0
Port St. Lucie, FLMetro
Volume 21Mix 2.08% of portfolio
53/100
Sound
10© DXR · CC BY-SA 4.0
Jacksonville, FLMetro
Volume 25Mix 2.47% of portfolio
51/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 1,012Mix 100.00% of portfolio
82/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.