We analyzed every closed loan from Suncoast Credit Union — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 85.70 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Suncoast Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 85.7 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% 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
Multi-Regional · 14 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,480 | 98.1% | -0.850%Below | $699Credit | ||||
Jumbo Loans | 28 | 1.9% | -1.240%Below | $1,039Credit |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,480
Mix98.1%
Spread
-0.850%Below
Fees
$699Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume28
Mix1.9%
Spread
-1.240%Below
Fees
$1,039Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,193 | 79.1% | -0.882%Below | $894Credit | ||||
Refinance | 315 | 20.9% | -0.763%Below | $10Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume1,193
Mix79.1%
Spread
-0.882%Below
Fees
$894Credit
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume315
Mix20.9%
Spread
-0.763%Below
Fees
$10Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,508
Applications
2,375
Volume
$458 million
Pricing & Closing
Avg Rate Spread
-0.857%
vs. market APOR
Avg Net Fees
$-705
Origination − Credits
Pullthrough Rate
63.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$304,038
Avg Borrower Income
$127,326
Avg Property Value
$405,239
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8South8
ALFLGAMSNCSCTNVA
Top Metro Areas by Place Specialization Score
Volume 501Mix 33.22% of portfolio
87/100
Exceptional
Volume 304Mix 20.16% of portfolio
87/100
Exceptional
Volume 70Mix 4.64% of portfolio
85/100
Exceptional
Volume 88Mix 5.84% of portfolio
83/100
Exceptional
Volume 69Mix 4.58% of portfolio
80/100
Strong
Volume 132Mix 8.75% of portfolio
78/100
Strong
Volume 90Mix 5.97% of portfolio
73/100
Strong
Volume 42Mix 2.79% of portfolio
60/100
Strong
Volume 40Mix 2.65% of portfolio
55/100
Sound
Volume 17Mix 1.13% of portfolio
49/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 1,473Mix 97.68% of portfolio
85/100
ExceptionalHow 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.