Space Coast Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Space Coast Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Space Coast Credit Union 8045 N. Wickham Rd Melbourne, FL 32940 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 12,833 |
| Total Mortgage Loan Application Amount | $1,726,015,000 |
| Average Mortgage Loan Application Amount | $176,200 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $124,200 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Space Coast Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Space Coast Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Space Coast Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Space Coast Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Space Coast Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Space Coast Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brevard County Florida | 3,552 | $ 447,280,000 | $ 125,000 | $ 116,000 |
| Broward County Florida | 2,570 | $ 351,340,000 | $ 136,000 | $ 134,000 |
| Miami-Dade County Florida | 2,353 | $ 353,065,000 | $ 150,000 | $ 144,000 |
| Volusia County Florida | 1,448 | $ 157,250,000 | $ 108,000 | $ 103,000 |
| Palm Beach County Florida | 606 | $ 97,690,000 | $ 161,000 | $ 159,000 |
| Indian River County Florida | 477 | $ 55,135,000 | $ 115,000 | $ 106,000 |
| Flagler County Florida | 328 | $ 42,230,000 | $ 128,000 | $ 105,000 |
| St. Lucie County Florida | 251 | $ 32,605,000 | $ 129,000 | $ 120,000 |
| Orange County Florida | 226 | $ 33,390,000 | $ 147,000 | $ 147,000 |
| Seminole County Florida | 112 | $ 15,440,000 | $ 137,000 | $ 140,000 |
| Osceola County Florida | 107 | $ 15,195,000 | $ 142,000 | $ 140,000 |
| Lake County Florida | 76 | $ 12,140,000 | $ 159,000 | $ 118,000 |
| Lee County Florida | 69 | $ 11,055,000 | $ 160,000 | $ 132,000 |
| Hillsborough County Florida | 67 | $ 8,625,000 | $ 128,000 | $ 147,000 |
| Polk County Florida | 61 | $ 9,135,000 | $ 149,000 | $ 110,000 |
| Duval County Florida | 58 | $ 9,180,000 | $ 158,000 | $ 185,000 |
| Martin County Florida | 53 | $ 7,835,000 | $ 147,000 | $ 175,000 |
| Collier County Florida | 50 | $ 9,620,000 | $ 192,000 | $ 160,000 |
| Pinellas County Florida | 32 | $ 5,360,000 | $ 167,000 | $ 147,000 |
| St. Johns County Florida | 28 | $ 5,040,000 | $ 180,000 | $ 139,000 |
| Marion County Florida | 25 | $ 2,475,000 | $ 99,000 | $ 106,000 |
| Monroe County Florida | 25 | $ 7,525,000 | $ 301,000 | $ 205,000 |
| Pasco County Florida | 20 | $ 3,060,000 | $ 153,000 | $ 135,000 |
| Sarasota County Florida | 16 | $ 2,220,000 | $ 138,000 | $ 149,000 |
| Manatee County Florida | 14 | $ 3,410,000 | $ 243,000 | $ 212,000 |
| Highlands County Florida | 10 | $ 1,260,000 | $ 126,000 | $ 86,000 |
| Leon County Florida | 10 | $ 1,560,000 | $ 156,000 | $ 151,000 |
| Okeechobee County Florida | 10 | $ 1,090,000 | $ 109,000 | $ 94,000 |
| Hernando County Florida | 9 | $ 1,225,000 | $ 136,000 | $ 94,000 |
| Alachua County Florida | 8 | $ 700,000 | $ 87,000 | $ 98,000 |
| Citrus County Florida | 8 | $ 1,440,000 | $ 180,000 | $ 94,000 |
| Clay County Florida | 7 | $ 2,065,000 | $ 295,000 | $ 141,000 |
| Nassau County Florida | 7 | $ 1,485,000 | $ 212,000 | $ 142,000 |
| Putnam County Florida | 7 | $ 855,000 | $ 122,000 | $ 92,000 |
| Bay County Florida | 6 | $ 990,000 | $ 165,000 | $ 462,000 |
| Hendry County Florida | 6 | $ 1,230,000 | $ 205,000 | $ 135,000 |
| Charlotte County Florida | 5 | $ 1,315,000 | $ 263,000 | $ 212,000 |
| Sumter County Florida | 5 | $ 705,000 | $ 141,000 | $ 106,000 |
| Okaloosa County Florida | 4 | $ 480,000 | $ 120,000 | $ 127,000 |
| Suwannee County Florida | 4 | $ 340,000 | $ 85,000 | $ 575,000 |
| San Diego County California | 3 | $ 665,000 | $ 221,000 | $ 111,000 |
| Walton County Florida | 3 | $ 735,000 | $ 245,000 | $ 197,000 |
| Forsyth County Georgia | 3 | $ 265,000 | $ 88,000 | $ 133,000 |
| Henry County Georgia | 3 | $ 185,000 | $ 61,000 | $ 92,000 |
| King County Washington | 3 | $ 395,000 | $ 131,000 | $ 188,000 |
| Escambia County Florida | 2 | $ 270,000 | $ 135,000 | $ 258,000 |
| Levy County Florida | 2 | $ 600,000 | $ 300,000 | $ 97,000 |
| Santa Rosa County Florida | 2 | $ 150,000 | $ 75,000 | $ 36,000 |
| Wakulla County Florida | 2 | $ 720,000 | $ 360,000 | $ 108,000 |
| Gwinnett County Georgia | 2 | $ 260,000 | $ 130,000 | $ 96,000 |
| Suffolk County New York | 2 | $ 610,000 | $ 305,000 | $ 210,000 |
| Montgomery County Tennessee | 2 | $ 80,000 | $ 40,000 | $ 108,000 |
| Travis County Texas | 2 | $ 80,000 | $ 40,000 | $ 250,000 |
| Bibb County Alabama | 1 | $ 75,000 | $ 75,000 | $ 148,000 |
| Madison County Alabama | 1 | $ 105,000 | $ 105,000 | $ 187,000 |
| Mobile County Alabama | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Pima County Arizona | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Riverside County California | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| San Mateo County California | 1 | $ 155,000 | $ 155,000 | $ 474,000 |
| Solano County California | 1 | $ 105,000 | $ 105,000 | $ 236,000 |
| Ventura County California | 1 | $ 125,000 | $ 125,000 | $ 144,000 |
| Arapahoe County Colorado | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| El Paso County Colorado | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Summit County Colorado | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Dixie County Florida | 1 | $ 415,000 | $ 415,000 | $ 90,000 |
| Glades County Florida | 1 | $ 175,000 | $ 175,000 | $ 160,000 |
| Hamilton County Florida | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Holmes County Florida | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Jackson County Florida | 1 | $ 95,000 | $ 95,000 | $ 232,000 |
| Barrow County Georgia | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Cherokee County Georgia | 1 | $ 155,000 | $ 155,000 | $ 200,000 |
| Clayton County Georgia | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| DeKalb County Georgia | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Fulton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Hall County Georgia | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Haralson County Georgia | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Paulding County Georgia | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Ware County Georgia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Honolulu County Hawaii | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| DeKalb County Indiana | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Sedgwick County Kansas | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Hardin County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 207,000 |
| Anne Arundel County Maryland | 1 | $ 105,000 | $ 105,000 | $ 405,000 |
| Prince George's County Maryland | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Plymouth County Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 186,000 |
| Ingham County Michigan | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Saginaw County Michigan | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Clark County Nevada | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| Merrimack County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Essex County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Middlesex County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 112,000 |
| Kings County New York | 1 | $ 35,000 | $ 35,000 | $ 144,000 |
| New York County New York | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Queens County New York | 1 | $ 155,000 | $ 155,000 | $ 139,000 |
| Westchester County New York | 1 | $ 105,000 | $ 105,000 | $ 201,000 |
| Buncombe County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Guilford County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 200,000 |
| Iredell County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 103,000 |
| Randolph County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Wake County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 200,000 |
| Delaware County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Beaver County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 348,000 |
| Lawrence County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Montgomery County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 157,000 |
| Charleston County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 360,000 |
| Cumberland County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Davidson County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 94,000 |
| Maury County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Rutherford County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 110,000 |
| Sevier County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Cameron County Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Denton County Texas | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| El Paso County Texas | 1 | $ 25,000 | $ 25,000 | $ 2,400,000 |
| Hays County Texas | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Jefferson County Texas | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Smith County Texas | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Utah County Utah | 1 | $ 145,000 | $ 145,000 | $ 300,000 |
| Bedford County Virginia | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| James City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 133,000 |
| York County Virginia | 1 | $ 75,000 | $ 75,000 | $ 174,000 |
| Jefferson County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 170,000 |
| Dunn County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Waukesha County Wisconsin | 1 | $ 375,000 | $ 375,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for Space Coast Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 5,730 | $523,060,000 | $91,000 | $1,005,000 | $130,000 | $2,160,000 |
| Other Purpose | 3,475 | $331,595,000 | $95,000 | $1,005,000 | $130,000 | $3,600,000 |
| Home Purchase | 1,427 | $393,145,000 | $275,000 | $1,465,000 | $143,000 | $2,016,000 |
| Cash-out Refinancing | 1,406 | $329,870,000 | $234,000 | $3,505,000 | $100,000 | $1,200,000 |
| Refinancing | 795 | $148,345,000 | $186,000 | $1,915,000 | $118,000 | $1,200,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 5,532 | $756,230,000 | $136,000 | $3,505,000 | $125,000 | $2,048,000 |
| Hispanic | 3,132 | $434,430,000 | $138,000 | $1,805,000 | $137,000 | $3,020,000 |
| Not Provided | 2,874 | $357,930,000 | $124,000 | $1,165,000 | $127,000 | $3,600,000 |
| Black or African American | 967 | $125,505,000 | $129,000 | $795,000 | $108,000 | $2,160,000 |
| Asian | 217 | $36,045,000 | $166,000 | $755,000 | $155,000 | $2,016,000 |
| American Indian or Alaskan Native | 46 | $6,360,000 | $138,000 | $635,000 | $133,000 | $700,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $550,000 | $55,000 | $155,000 | $70,000 | $142,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 12,748 | $1,703,330,000 | $133,000 | $3,505,000 | $128,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 69 | $17,525,000 | $253,000 | $555,000 | $93,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 16 | $5,160,000 | $322,000 | $655,000 | $97,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,240 | $834,120,000 | $133,000 | $1,915,000 | $137,000 | $3,600,000 |
| Application Denied By Financial Institution | 3,116 | $365,510,000 | $117,000 | $3,505,000 | $101,000 | $2,669,000 |
| File Closed For Incompleteness | 1,699 | $229,035,000 | $134,000 | $1,005,000 | $144,000 | $3,020,000 |
| Application Withdrawn By Applicant | 1,377 | $252,435,000 | $183,000 | $1,395,000 | $127,000 | $1,776,000 |
| Application Approved But Not Accepted | 401 | $44,915,000 | $112,000 | $755,000 | $131,000 | $960,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 9,717 | $1,360,505,000 | $140,000 | $1,915,000 | $136,000 | $3,600,000 |
| Debt-To-Income Ratio | 1,861 | $227,495,000 | $122,000 | $3,505,000 | $81,000 | $924,000 |
| Credit History | 855 | $80,795,000 | $94,000 | $1,065,000 | $121,000 | $2,400,000 |
| Collateral | 221 | $29,235,000 | $132,000 | $1,005,000 | $147,000 | $1,150,000 |
| Other | 89 | $12,865,000 | $144,000 | $1,215,000 | $173,000 | $1,200,000 |
| Employment History | 42 | $7,080,000 | $168,000 | $515,000 | $119,000 | $480,000 |
| Unverifiable Information | 22 | $3,500,000 | $159,000 | $335,000 | $253,000 | $2,669,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,885,000 | $192,000 | $355,000 | $123,000 | $290,000 |
| Credit Application Incomplete | 11 | $1,655,000 | $150,000 | $405,000 | $109,000 | $364,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Space Coast Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Space Coast Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.