Suncoast Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Suncoast Credit Union of Tampa, FL reported 12,969 mortgage applications totaling $2.1 billion, up 10% from 2024. The average application was for $158,709, and applicants reported an average income of $113,453. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Tampa, FL (4,780), Cape Coral-Fort Myers, FL (2,582) and North Port-Sarasota-Bradenton, FL (1,229) (applications in parentheses).

Mortgage Company & Address Suncoast Credit Union
6801 E Hillsborough Ave
Tampa, FL 33610
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 12,969
Total Mortgage Loan Application Amount $2,058,305,000
Average Mortgage Loan Application Amount $158,709
Highest Mortgage Loan Application Amount $9,655,000
Average Applicant Income $113,453
Highest Applicant Income $4,080,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Suncoast Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Suncoast Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hillsborough, Florida 2,766 $ 448,125,000 $ 162,011 $ 114,000
Lee, Florida 2,582 $ 381,405,000 $ 147,716 $ 109,000
Pasco, Florida 1,283 $ 197,215,000 $ 153,713 $ 117,000
Collier, Florida 951 $ 163,965,000 $ 172,413 $ 125,000
Hernando, Florida 731 $ 83,475,000 $ 114,192 $ 90,000
Manatee, Florida 642 $ 103,130,000 $ 160,638 $ 127,000
Pinellas, Florida 588 $ 108,570,000 $ 184,642 $ 124,000
Sarasota, Florida 587 $ 95,805,000 $ 163,211 $ 125,000
Charlotte, Florida 572 $ 77,790,000 $ 135,996 $ 99,000
Citrus, Florida 571 $ 67,295,000 $ 117,854 $ 86,000
Polk, Florida 360 $ 48,930,000 $ 135,916 $ 106,000
Marion, Florida 106 $ 12,320,000 $ 116,226 $ 100,000
Hendry, Florida 105 $ 16,695,000 $ 159,000 $ 95,000
Sumter, Florida 101 $ 17,395,000 $ 172,227 $ 113,000
Orange, Florida 95 $ 25,265,000 $ 265,947 $ 143,000
Miami-Dade, Florida 78 $ 20,450,000 $ 262,179 $ 171,000
Broward, Florida 71 $ 17,205,000 $ 242,323 $ 148,000
DeSoto, Florida 66 $ 8,410,000 $ 127,424 $ 87,000
Osceola, Florida 66 $ 10,560,000 $ 160,000 $ 113,000
Palm Beach, Florida 63 $ 22,455,000 $ 356,428 $ 172,000
Highlands, Florida 62 $ 7,190,000 $ 115,967 $ 91,000
Lake, Florida 62 $ 20,300,000 $ 327,419 $ 120,000
Levy, Florida 33 $ 3,555,000 $ 107,727 $ 92,000
Hardee, Florida 32 $ 3,150,000 $ 98,437 $ 78,000
Alachua, Florida 28 $ 8,030,000 $ 286,785 $ 106,000
Seminole, Florida 28 $ 6,270,000 $ 223,928 $ 153,000
Volusia, Florida 28 $ 4,890,000 $ 174,642 $ 137,000
Glades, Florida 19 $ 2,775,000 $ 146,052 $ 103,000
Leon, Florida 15 $ 6,555,000 $ 437,000 $ 108,000
St. Johns, Florida 15 $ 7,135,000 $ 475,666 $ 210,000
Brevard, Florida 14 $ 2,630,000 $ 187,857 $ 138,000
Duval, Florida 14 $ 4,280,000 $ 305,714 $ 250,000
Dixie, Florida 12 $ 990,000 $ 82,500 $ 75,000
St. Lucie, Florida 12 $ 4,210,000 $ 350,833 $ 130,000
Martin, Florida 8 $ 2,350,000 $ 293,750 $ 220,000
Suwannee, Florida 7 $ 1,075,000 $ 153,571 $ 88,000
Columbia, Florida 6 $ 560,000 $ 93,333 $ 113,000
Indian River, Florida 6 $ 1,110,000 $ 185,000 $ 85,000
Santa Rosa, Florida 5 $ 1,125,000 $ 225,000 $ 153,000
Fulton, Georgia 5 $ 3,335,000 $ 667,000 $ 278,000
Bay, Florida 4 $ 1,250,000 $ 312,500 $ 175,000
Gilchrist, Florida 4 $ 880,000 $ 220,000 $ 156,000
Paulding, Georgia 4 $ 900,000 $ 225,000 $ 146,000
Madison, Florida 3 $ 185,000 $ 61,666 $ 51,000
Monroe, Florida 3 $ 225,000 $ 75,000 $ 91,000
Taylor, Florida 3 $ 225,000 $ 75,000 $ 82,000
Wakulla, Florida 3 $ 155,000 $ 51,666 $ 102,000
Fannin, Georgia 3 $ 2,085,000 $ 695,000 $ 262,000
Buncombe, North Carolina 3 $ 775,000 $ 258,333 $ 99,000
Rutherford, Tennessee 3 $ 1,385,000 $ 461,666 $ 78,000
Baldwin, Alabama 2 $ 290,000 $ 145,000 $ 257,000
Clay, Florida 2 $ 230,000 $ 115,000 $ 111,000
Escambia, Florida 2 $ 420,000 $ 210,000 $ 139,000
Flagler, Florida 2 $ 270,000 $ 135,000 $ 73,000
Hamilton, Florida 2 $ 180,000 $ 90,000 $ 25,000
Jefferson, Florida 2 $ 170,000 $ 85,000 $ 96,000
Lafayette, Florida 2 $ 5,810,000 $ 2,905,000 $ 159,000
Putnam, Florida 2 $ 130,000 $ 65,000 $ 53,000
Habersham, Georgia 2 $ 860,000 $ 430,000 $ 154,000
Lowndes, Georgia 2 $ 330,000 $ 165,000 $ 65,000
Pickens, Georgia 2 $ 270,000 $ 135,000 $ 86,000
Allen, Indiana 2 $ 220,000 $ 110,000 $ 71,000
Catawba, North Carolina 2 $ 500,000 $ 250,000 $ 61,000
Cherokee, North Carolina 2 $ 590,000 $ 295,000 $ 255,000
Harnett, North Carolina 2 $ 250,000 $ 125,000 $ 101,000
Wake, North Carolina 2 $ 140,000 $ 70,000 $ 187,000
Watauga, North Carolina 2 $ 580,000 $ 290,000 $ 154,000
Warren, Pennsylvania 2 $ 20,000 $ 10,000 $ 67,000
Beaufort, South Carolina 2 $ 280,000 $ 140,000 $ 149,000
Horry, South Carolina 2 $ 250,000 $ 125,000 $ 90,000
Spartanburg, South Carolina 2 $ 520,000 $ 260,000 $ 194,000
York, South Carolina 2 $ 1,040,000 $ 520,000 $ 193,000
Bradley, Tennessee 2 $ 580,000 $ 290,000 $ 182,000
Davidson, Tennessee 2 $ 1,020,000 $ 510,000 $ 114,000
Dale, Alabama 1 $ 105,000 $ 105,000 $ 80,000
Houston, Alabama 1 $ 115,000 $ 115,000 $ 77,000
Lee, Alabama 1 $ 275,000 $ 275,000 $ 47,000
Macon, Alabama 1 $ 215,000 $ 215,000 $ 111,000
Madison, Alabama 1 $ 335,000 $ 335,000 $ 0
Mobile, Alabama 1 $ 145,000 $ 145,000 $ 87,000
Russell, Alabama 1 $ 135,000 $ 135,000 $ 77,000
Shelby, Alabama 1 $ 45,000 $ 45,000 $ 120,000
Winston, Alabama 1 $ 385,000 $ 385,000 $ 300,000
Benton, Arkansas 1 $ 75,000 $ 75,000 $ 237,000
Los Angeles, California 1 $ 25,000 $ 25,000 $ 144,000
District of Columbia, District Of Columbia 1 $ 55,000 $ 55,000 $ 111,000
Bradford, Florida 1 $ 265,000 $ 265,000 $ 382,000
Jackson, Florida 1 $ 75,000 $ 75,000 $ 62,000
Okaloosa, Florida 1 $ 185,000 $ 185,000 $ 122,000
Okeechobee, Florida 1 $ 35,000 $ 35,000 $ 72,000
Walton, Florida 1 $ 545,000 $ 545,000 $ 182,000
Barrow, Georgia 1 $ 485,000 $ 485,000 $ 138,000
Ben Hill, Georgia 1 $ 35,000 $ 35,000 $ 30,000
Bryan, Georgia 1 $ 435,000 $ 435,000 $ 102,000
Burke, Georgia 1 $ 105,000 $ 105,000 $ 32,000
Catoosa, Georgia 1 $ 445,000 $ 445,000 $ 165,000
Chatham, Georgia 1 $ 155,000 $ 155,000 $ 198,000
Chattooga, Georgia 1 $ 275,000 $ 275,000 $ 115,000
Cherokee, Georgia 1 $ 75,000 $ 75,000 $ 115,000
Cobb, Georgia 1 $ 85,000 $ 85,000 $ 228,000
Gilmer, Georgia 1 $ 415,000 $ 415,000 $ 852,000
Grady, Georgia 1 $ 225,000 $ 225,000 $ 147,000
Gwinnett, Georgia 1 $ 455,000 $ 455,000 $ 132,000
Houston, Georgia 1 $ 55,000 $ 55,000 $ 60,000
Jones, Georgia 1 $ 165,000 $ 165,000 $ 79,000
Murray, Georgia 1 $ 315,000 $ 315,000 $ 104,000
Oconee, Georgia 1 $ 255,000 $ 255,000 $ 130,000
Polk, Georgia 1 $ 65,000 $ 65,000 $ 24,000
Stephens, Georgia 1 $ 425,000 $ 425,000 $ 336,000
Troup, Georgia 1 $ 85,000 $ 85,000 $ 25,000
Union, Georgia 1 $ 325,000 $ 325,000 $ 77,000
Walton, Georgia 1 $ 265,000 $ 265,000 $ 70,000
Coles, Illinois 1 $ 25,000 $ 25,000 $ 40,000
Knox, Indiana 1 $ 25,000 $ 25,000 $ 0
Calloway, Kentucky 1 $ 25,000 $ 25,000 $ 38,000
Jefferson, Kentucky 1 $ 45,000 $ 45,000 $ 173,000
Pulaski, Kentucky 1 $ 85,000 $ 85,000 $ 56,000
Spencer, Kentucky 1 $ 55,000 $ 55,000 $ 218,000
Middlesex, Massachusetts 1 $ 65,000 $ 65,000 $ 108,000
Wayne, Michigan 1 $ 135,000 $ 135,000 $ 75,000
Harrison, Mississippi 1 $ 85,000 $ 85,000 $ 109,000
Lamar, Mississippi 1 $ 295,000 $ 295,000 $ 95,000
Jackson, Missouri 1 $ 45,000 $ 45,000 $ 87,000
Jefferson, Missouri 1 $ 55,000 $ 55,000 $ 60,000
Polk, Missouri 1 $ 135,000 $ 135,000 $ 121,000
Webster, Missouri 1 $ 45,000 $ 45,000 $ 14,000
Avery, North Carolina 1 $ 255,000 $ 255,000 $ 137,000
Cabarrus, North Carolina 1 $ 245,000 $ 245,000 $ 74,000
Chatham, North Carolina 1 $ 155,000 $ 155,000 $ 231,000
Cleveland, North Carolina 1 $ 235,000 $ 235,000 $ 73,000
Currituck, North Carolina 1 $ 75,000 $ 75,000 $ 120,000
Forsyth, North Carolina 1 $ 155,000 $ 155,000 $ 128,000
Gaston, North Carolina 1 $ 35,000 $ 35,000 $ 109,000
Jackson, North Carolina 1 $ 25,000 $ 25,000 $ 59,000
Johnston, North Carolina 1 $ 55,000 $ 55,000 $ 70,000
Mecklenburg, North Carolina 1 $ 385,000 $ 385,000 $ 157,000
Onslow, North Carolina 1 $ 15,000 $ 15,000 $ 111,000
Polk, North Carolina 1 $ 65,000 $ 65,000 $ 79,000
Rutherford, North Carolina 1 $ 435,000 $ 435,000 $ 394,000
Miami, Ohio 1 $ 105,000 $ 105,000 $ 165,000
Wayne, Pennsylvania 1 $ 35,000 $ 35,000 $ 78,000
Aiken, South Carolina 1 $ 15,000 $ 15,000 $ 69,000
Chesterfield, South Carolina 1 $ 55,000 $ 55,000 $ 87,000
Darlington, South Carolina 1 $ 315,000 $ 315,000 $ 143,000
Dorchester, South Carolina 1 $ 65,000 $ 65,000 $ 186,000
Greenville, South Carolina 1 $ 55,000 $ 55,000 $ 225,000
Richland, South Carolina 1 $ 215,000 $ 215,000 $ 78,000
Cocke, Tennessee 1 $ 365,000 $ 365,000 $ 175,000
Giles, Tennessee 1 $ 105,000 $ 105,000 $ 100,000
Greene, Tennessee 1 $ 205,000 $ 205,000 $ 59,000
Hamblen, Tennessee 1 $ 565,000 $ 565,000 $ 0
Hamilton, Tennessee 1 $ 55,000 $ 55,000 $ 60,000
Henry, Tennessee 1 $ 105,000 $ 105,000 $ 108,000
Lincoln, Tennessee 1 $ 145,000 $ 145,000 $ 43,000
Loudon, Tennessee 1 $ 355,000 $ 355,000 $ 149,000
McMinn, Tennessee 1 $ 285,000 $ 285,000 $ 143,000
Putnam, Tennessee 1 $ 65,000 $ 65,000 $ 72,000
Sevier, Tennessee 1 $ 445,000 $ 445,000 $ 145,000
Shelby, Tennessee 1 $ 105,000 $ 105,000 $ 134,000
Washington, Tennessee 1 $ 505,000 $ 505,000 $ 121,000
Williamson, Tennessee 1 $ 985,000 $ 985,000 $ 268,000
Harris, Texas 1 $ 195,000 $ 195,000 $ 180,000
Travis, Texas 1 $ 55,000 $ 55,000 $ 171,000
Charlotte, Virginia 1 $ 175,000 $ 175,000 $ 39,000
Floyd, Virginia 1 $ 45,000 $ 45,000 $ 62,000
Patrick, Virginia 1 $ 215,000 $ 215,000 $ 51,000
Stafford, Virginia 1 $ 65,000 $ 65,000 $ 133,000

Mortgage Loan Application Detail Totals for Suncoast Credit Union in 2025

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
Other Purpose 4,611 $427,135,000 $92,000 $8,505,000 $105,000 $4,080,000
Home Improvement 3,425 $300,115,000 $87,000 $855,000 $111,000 $2,589,000
Home Purchase 2,767 $823,805,000 $297,000 $3,005,000 $123,000 $1,800,000
Refinancing 1,355 $299,565,000 $221,000 $9,655,000 $128,000 $1,548,000
Cash-out Refinancing 811 $207,685,000 $256,000 $5,455,000 $115,000 $3,443,000
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 7,350 $1,113,170,000 $151,000 $2,005,000 $118,000 $4,080,000
Hispanic 3,295 $476,545,000 $144,000 $1,755,000 $102,000 $2,484,000
Black or African American 1,036 $138,470,000 $133,000 $865,000 $91,000 $648,000
Not Provided 899 $179,245,000 $199,000 $1,495,000 $133,000 $1,800,000
Asian 260 $64,000,000 $246,000 $1,285,000 $138,000 $1,548,000
American Indian or Alaskan Native 86 $10,050,000 $116,000 $505,000 $136,000 $2,589,000
Not applicable 30 $74,700,000 $2,873,000 $9,655,000 $0 $0
Native Hawaiian or Other Pacific Islander 13 $2,125,000 $163,000 $485,000 $96,000 $234,000

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) 12,969 $2,058,305,000 $158,000 $9,655,000 $113,000 $4,080,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 8,416 $1,325,190,000 $157,000 $9,205,000 $117,000 $1,800,000
Application Denied By Financial Institution 2,593 $348,545,000 $134,000 $8,505,000 $96,000 $4,080,000
Application Withdrawn By Applicant 959 $253,785,000 $265,000 $9,655,000 $134,000 $3,443,000
File Closed For Incompleteness 901 $117,305,000 $130,000 $1,255,000 $103,000 $1,188,000
Application Approved But Not Accepted 100 $13,480,000 $134,000 $1,145,000 $100,000 $337,000
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 10,376 $1,709,760,000 $164,000 $9,655,000 $117,000 $3,443,000
Credit History 897 $80,155,000 $89,000 $755,000 $89,000 $4,080,000
Debt-To-Income Ratio 737 $153,585,000 $208,000 $8,505,000 $69,000 $420,000
Collateral 655 $71,515,000 $109,000 $1,075,000 $127,000 $1,400,000
Other 215 $27,215,000 $126,000 $755,000 $116,000 $1,145,000
Unverifiable Information 32 $5,050,000 $157,000 $745,000 $133,000 $906,000
Credit Application Incomplete 27 $4,685,000 $173,000 $755,000 $130,000 $400,000
Employment History 15 $1,575,000 $105,000 $205,000 $108,000 $234,000
Insufficient Cash (Downpayment, Closing Cost) 15 $4,765,000 $317,000 $625,000 $119,000 $324,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Suncoast Credit Union's 2025 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 Suncoast 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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