Space Coast Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Space Coast Credit Union 2023 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 | 12,794 |
| Total Mortgage Loan Application Amount | $1,785,060,000 |
| Average Mortgage Loan Application Amount | $161,800 |
| Highest Mortgage Loan Application Amount | $3,565,000 |
| Average Applicant Income | $139,400 |
| Highest Applicant Income | $4,353,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 3,337 | $ 476,585,000 | $ 142,000 | $ 126,000 |
| Miami-Dade County Florida | 2,593 | $ 370,995,000 | $ 143,000 | $ 147,000 |
| Broward County Florida | 2,567 | $ 330,185,000 | $ 128,000 | $ 143,000 |
| Volusia County Florida | 1,281 | $ 141,435,000 | $ 110,000 | $ 114,000 |
| Palm Beach County Florida | 629 | $ 111,365,000 | $ 177,000 | $ 169,000 |
| Indian River County Florida | 508 | $ 65,450,000 | $ 128,000 | $ 126,000 |
| Flagler County Florida | 271 | $ 33,915,000 | $ 125,000 | $ 113,000 |
| St. Lucie County Florida | 256 | $ 27,270,000 | $ 106,000 | $ 110,000 |
| Orange County Florida | 221 | $ 37,385,000 | $ 169,000 | $ 158,000 |
| Seminole County Florida | 137 | $ 18,045,000 | $ 131,000 | $ 145,000 |
| Lee County Florida | 110 | $ 22,010,000 | $ 200,000 | $ 190,000 |
| Osceola County Florida | 87 | $ 12,615,000 | $ 145,000 | $ 134,000 |
| Hillsborough County Florida | 65 | $ 12,255,000 | $ 188,000 | $ 171,000 |
| Lake County Florida | 62 | $ 13,130,000 | $ 211,000 | $ 129,000 |
| Polk County Florida | 61 | $ 10,865,000 | $ 178,000 | $ 130,000 |
| Duval County Florida | 54 | $ 7,800,000 | $ 144,000 | $ 137,000 |
| Martin County Florida | 51 | $ 7,785,000 | $ 152,000 | $ 152,000 |
| Pinellas County Florida | 46 | $ 5,860,000 | $ 127,000 | $ 160,000 |
| Collier County Florida | 41 | $ 7,785,000 | $ 189,000 | $ 190,000 |
| St. Johns County Florida | 41 | $ 9,495,000 | $ 231,000 | $ 171,000 |
| Marion County Florida | 32 | $ 6,630,000 | $ 207,000 | $ 144,000 |
| Pasco County Florida | 22 | $ 3,280,000 | $ 149,000 | $ 122,000 |
| Manatee County Florida | 20 | $ 4,650,000 | $ 232,000 | $ 177,000 |
| Monroe County Florida | 19 | $ 4,195,000 | $ 220,000 | $ 280,000 |
| Charlotte County Florida | 18 | $ 3,620,000 | $ 201,000 | $ 114,000 |
| Sarasota County Florida | 18 | $ 2,580,000 | $ 143,000 | $ 153,000 |
| Okeechobee County Florida | 16 | $ 2,550,000 | $ 159,000 | $ 124,000 |
| Leon County Florida | 14 | $ 1,640,000 | $ 117,000 | $ 202,000 |
| Highlands County Florida | 13 | $ 2,045,000 | $ 157,000 | $ 96,000 |
| Clay County Florida | 12 | $ 2,050,000 | $ 170,000 | $ 94,000 |
| Alachua County Florida | 10 | $ 2,810,000 | $ 281,000 | $ 166,000 |
| Citrus County Florida | 10 | $ 2,380,000 | $ 238,000 | $ 117,000 |
| Hendry County Florida | 9 | $ 1,165,000 | $ 129,000 | $ 113,000 |
| Putnam County Florida | 8 | $ 790,000 | $ 98,000 | $ 54,000 |
| Hernando County Florida | 7 | $ 355,000 | $ 50,000 | $ 116,000 |
| Nassau County Florida | 6 | $ 1,740,000 | $ 290,000 | $ 144,000 |
| Okaloosa County Florida | 6 | $ 1,310,000 | $ 218,000 | $ 156,000 |
| Sumter County Florida | 6 | $ 1,560,000 | $ 260,000 | $ 149,000 |
| Bay County Florida | 5 | $ 735,000 | $ 147,000 | $ 185,000 |
| Escambia County Florida | 3 | $ 1,445,000 | $ 481,000 | $ 95,000 |
| Glades County Florida | 3 | $ 295,000 | $ 98,000 | $ 98,000 |
| Levy County Florida | 3 | $ 715,000 | $ 238,000 | $ 119,000 |
| Madison County Florida | 3 | $ 1,105,000 | $ 368,000 | $ 207,000 |
| Gwinnett County Georgia | 3 | $ 275,000 | $ 91,000 | $ 345,000 |
| Anchorage County Alaska | 2 | $ 110,000 | $ 55,000 | $ 143,000 |
| San Diego County California | 2 | $ 280,000 | $ 140,000 | $ 354,000 |
| Sonoma County California | 2 | $ 110,000 | $ 55,000 | $ 98,000 |
| Jefferson County Colorado | 2 | $ 330,000 | $ 165,000 | $ 144,000 |
| Columbia County Florida | 2 | $ 320,000 | $ 160,000 | $ 101,000 |
| Santa Rosa County Florida | 2 | $ 600,000 | $ 300,000 | $ 133,000 |
| Suwannee County Florida | 2 | $ 370,000 | $ 185,000 | $ 127,000 |
| Cherokee County Georgia | 2 | $ 90,000 | $ 45,000 | $ 102,000 |
| Fulton County Georgia | 2 | $ 320,000 | $ 160,000 | $ 116,000 |
| Paulding County Georgia | 2 | $ 260,000 | $ 130,000 | $ 112,000 |
| Mecklenburg County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 108,000 |
| Shelby County Tennessee | 2 | $ 110,000 | $ 55,000 | $ 128,000 |
| Tuscaloosa County Alabama | 1 | $ 155,000 | $ 155,000 | $ 384,000 |
| Alameda County California | 1 | $ 55,000 | $ 55,000 | $ 210,000 |
| Kern County California | 1 | $ 25,000 | $ 25,000 | $ 162,000 |
| Los Angeles County California | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Marin County California | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Orange County California | 1 | $ 55,000 | $ 55,000 | $ 186,000 |
| Riverside County California | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| San Francisco County California | 1 | $ 355,000 | $ 355,000 | $ 500,000 |
| Santa Cruz County California | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Solano County California | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Ventura County California | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Adams County Colorado | 1 | $ 285,000 | $ 285,000 | $ 352,000 |
| Weld County Colorado | 1 | $ 35,000 | $ 35,000 | $ 193,000 |
| District of Columbia County District Of Columbia | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Bradford County Florida | 1 | $ 405,000 | $ 405,000 | $ 261,000 |
| Franklin County Florida | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Gadsden County Florida | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Holmes County Florida | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Liberty County Florida | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Bartow County Georgia | 1 | $ 155,000 | $ 155,000 | $ 292,000 |
| Coweta County Georgia | 1 | $ 15,000 | $ 15,000 | $ 115,000 |
| Forsyth County Georgia | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Gilmer County Georgia | 1 | $ 55,000 | $ 55,000 | $ 285,000 |
| Glynn County Georgia | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Henry County Georgia | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Meriwether County Georgia | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Monroe County Georgia | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Muscogee County Georgia | 1 | $ 155,000 | $ 155,000 | $ 745,000 |
| DeKalb County Illinois | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Kane County Illinois | 1 | $ 105,000 | $ 105,000 | $ 136,000 |
| Will County Illinois | 1 | $ 105,000 | $ 105,000 | $ 202,000 |
| Marion County Indiana | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Linn County Kansas | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Boone County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Jefferson County Kentucky | 1 | $ 1,005,000 | $ 1,005,000 | $ 360,000 |
| Meade County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Charles County Maryland | 1 | $ 55,000 | $ 55,000 | $ 187,000 |
| Howard County Maryland | 1 | $ 55,000 | $ 55,000 | $ 264,000 |
| Essex County Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Lenawee County Michigan | 1 | $ 105,000 | $ 105,000 | $ 54,000 |
| St. Joseph County Michigan | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Wright County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Harrison County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Clay County Missouri | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| St. Charles County Missouri | 1 | $ 155,000 | $ 155,000 | $ 218,000 |
| Washoe County Nevada | 1 | $ 175,000 | $ 175,000 | $ 401,000 |
| Grafton County New Hampshire | 1 | $ 355,000 | $ 355,000 | $ 67,000 |
| Strafford County New Hampshire | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| Bergen County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Mercer County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| Morris County New Jersey | 1 | $ 185,000 | $ 185,000 | $ 201,000 |
| Queens County New York | 1 | $ 155,000 | $ 155,000 | $ 2,400,000 |
| Richmond County New York | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Suffolk County New York | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Cabarrus County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 391,000 |
| Catawba County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Davidson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 137,000 |
| Durham County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 264,000 |
| Pasquotank County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Wake County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Clark County Ohio | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Fairfield County Ohio | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Guernsey County Ohio | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Hamilton County Ohio | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Licking County Ohio | 1 | $ 195,000 | $ 195,000 | $ 300,000 |
| Stark County Ohio | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Tulsa County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Adams County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Allegheny County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 84,000 |
| Chester County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Montgomery County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Philadelphia County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 312,000 |
| Providence County Rhode Island | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Beaufort County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 134,000 |
| Rhea County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Sevier County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Washington County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 165,000 |
| Bell County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Harris County Texas | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Johnson County Texas | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Rains County Texas | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Chittenden County Vermont | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Newport News County Virginia | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| Prince William County Virginia | 1 | $ 105,000 | $ 105,000 | $ 225,000 |
| Oneida County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 56,000 |
| Washington County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Space Coast Credit Union in 2023
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 | 5,048 | $469,730,000 | $93,000 | $2,005,000 | $134,000 | $2,179,000 |
| Other Purpose | 3,727 | $328,445,000 | $88,000 | $2,005,000 | $125,000 | $4,353,000 |
| Home Purchase | 2,076 | $658,600,000 | $317,000 | $3,565,000 | $163,000 | $2,507,000 |
| Cash-out Refinancing | 1,474 | $266,470,000 | $180,000 | $2,205,000 | $145,000 | $2,447,000 |
| Refinancing | 469 | $61,815,000 | $131,000 | $725,000 | $130,000 | $2,544,000 |
| 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 | 5,256 | $745,390,000 | $141,000 | $3,035,000 | $141,000 | $3,202,000 |
| Hispanic | 3,589 | $483,665,000 | $134,000 | $3,565,000 | $137,000 | $2,544,000 |
| Not Provided | 2,544 | $349,550,000 | $137,000 | $3,355,000 | $135,000 | $4,353,000 |
| Black or African American | 1,027 | $137,555,000 | $133,000 | $1,905,000 | $117,000 | $1,560,000 |
| Asian | 243 | $46,685,000 | $192,000 | $2,005,000 | $162,000 | $965,000 |
| American Indian or Alaskan Native | 57 | $6,315,000 | $110,000 | $445,000 | $108,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,860,000 | $158,000 | $1,255,000 | $172,000 | $1,200,000 |
| 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) | 12,727 | $1,763,825,000 | $138,000 | $3,565,000 | $137,000 | $4,353,000 |
| FHA-insured (Federal Housing Administration) | 61 | $18,105,000 | $296,000 | $585,000 | $105,000 | $333,000 |
| VA-guaranteed (Veterans Administration) | 6 | $3,130,000 | $521,000 | $855,000 | $168,000 | $272,000 |
| 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 | 5,437 | $759,325,000 | $139,000 | $3,565,000 | $152,000 | $1,638,000 |
| Application Denied By Financial Institution | 4,458 | $553,370,000 | $124,000 | $3,035,000 | $112,000 | $3,202,000 |
| File Closed For Incompleteness | 1,258 | $164,850,000 | $131,000 | $2,005,000 | $150,000 | $2,544,000 |
| Application Withdrawn By Applicant | 869 | $232,355,000 | $267,000 | $2,005,000 | $167,000 | $4,353,000 |
| Application Approved But Not Accepted | 772 | $75,160,000 | $97,000 | $1,005,000 | $124,000 | $947,000 |
| 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 | 8,336 | $1,231,690,000 | $147,000 | $3,565,000 | $151,000 | $4,353,000 |
| Debt-To-Income Ratio | 2,812 | $361,730,000 | $128,000 | $3,035,000 | $91,000 | $650,000 |
| Credit History | 976 | $98,310,000 | $100,000 | $2,005,000 | $134,000 | $2,133,000 |
| Collateral | 397 | $51,505,000 | $129,000 | $2,505,000 | $160,000 | $2,400,000 |
| Other | 186 | $26,940,000 | $144,000 | $1,215,000 | $208,000 | $3,202,000 |
| Employment History | 34 | $5,470,000 | $160,000 | $625,000 | $125,000 | $302,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $6,010,000 | $214,000 | $805,000 | $155,000 | $840,000 |
| Unverifiable Information | 23 | $3,205,000 | $139,000 | $525,000 | $134,000 | $580,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $155,000 | $68,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Space Coast Credit Union's 2023 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.
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