Suncoast Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Suncoast Credit Union of Tampa, FL reported 13,469 mortgage applications totaling $1.8 billion, down 7% from 2018. The average application was for $135,729, and applicants reported an average income of $79,232. 55% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (5,357), Cape Coral-Fort Myers, FL (3,006) and North Port-Sarasota-Bradenton, FL (1,161) (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 | 13,469 |
| Total Mortgage Loan Application Amount | $1,828,145,000 |
| Average Mortgage Loan Application Amount | $135,729 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $79,232 |
| Highest Applicant Income | $1,534,000 |
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(HMDA) records Suncoast Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lee, Florida | 3,006 | $ 380,350,000 | $ 126,530 | $ 75,000 |
| Hillsborough, Florida | 2,823 | $ 398,285,000 | $ 141,085 | $ 85,000 |
| Pasco, Florida | 1,235 | $ 159,115,000 | $ 128,838 | $ 80,000 |
| Collier, Florida | 1,085 | $ 177,165,000 | $ 163,285 | $ 85,000 |
| Charlotte, Florida | 694 | $ 80,270,000 | $ 115,662 | $ 68,000 |
| Manatee, Florida | 670 | $ 96,790,000 | $ 144,462 | $ 91,000 |
| Pinellas, Florida | 656 | $ 101,140,000 | $ 154,176 | $ 94,000 |
| Hernando, Florida | 643 | $ 67,185,000 | $ 104,486 | $ 67,000 |
| Citrus, Florida | 587 | $ 52,785,000 | $ 89,923 | $ 61,000 |
| Sarasota, Florida | 491 | $ 60,415,000 | $ 123,044 | $ 74,000 |
| Polk, Florida | 180 | $ 25,320,000 | $ 140,666 | $ 77,000 |
| Sumter, Florida | 92 | $ 9,880,000 | $ 107,391 | $ 74,000 |
| Hendry, Florida | 80 | $ 9,670,000 | $ 120,875 | $ 77,000 |
| Marion, Florida | 58 | $ 7,630,000 | $ 131,551 | $ 82,000 |
| Orange, Florida | 56 | $ 11,180,000 | $ 199,642 | $ 107,000 |
| Broward, Florida | 53 | $ 12,085,000 | $ 228,018 | $ 123,000 |
| DeSoto, Florida | 52 | $ 6,050,000 | $ 116,346 | $ 65,000 |
| Highlands, Florida | 44 | $ 3,900,000 | $ 88,636 | $ 67,000 |
| Levy, Florida | 42 | $ 4,270,000 | $ 101,666 | $ 67,000 |
| Hardee, Florida | 40 | $ 3,560,000 | $ 89,000 | $ 72,000 |
| Palm Beach, Florida | 37 | $ 8,595,000 | $ 232,297 | $ 101,000 |
| Seminole, Florida | 35 | $ 6,955,000 | $ 198,714 | $ 108,000 |
| Miami-Dade, Florida | 32 | $ 7,980,000 | $ 249,375 | $ 132,000 |
| Lake, Florida | 27 | $ 4,185,000 | $ 155,000 | $ 155,000 |
| Volusia, Florida | 27 | $ 4,875,000 | $ 180,555 | $ 98,000 |
| Alachua, Florida | 26 | $ 4,430,000 | $ 170,384 | $ 104,000 |
| Brevard, Florida | 19 | $ 4,095,000 | $ 215,526 | $ 124,000 |
| Duval, Florida | 18 | $ 2,850,000 | $ 158,333 | $ 88,000 |
| St. Lucie, Florida | 17 | $ 2,715,000 | $ 159,705 | $ 81,000 |
| Osceola, Florida | 16 | $ 2,720,000 | $ 170,000 | $ 68,000 |
| Leon, Florida | 14 | $ 2,190,000 | $ 156,428 | $ 101,000 |
| Glades, Florida | 13 | $ 1,575,000 | $ 121,153 | $ 73,000 |
| St. Johns, Florida | 10 | $ 1,970,000 | $ 197,000 | $ 122,000 |
| Flagler, Florida | 8 | $ 1,070,000 | $ 133,750 | $ 88,000 |
| Gilchrist, Florida | 7 | $ 775,000 | $ 110,714 | $ 58,000 |
| Dixie, Florida | 5 | $ 525,000 | $ 105,000 | $ 56,000 |
| Suwannee, Florida | 5 | $ 445,000 | $ 89,000 | $ 47,000 |
| Clay, Florida | 4 | $ 410,000 | $ 102,500 | $ 109,000 |
| Okaloosa, Florida | 4 | $ 470,000 | $ 117,500 | $ 97,000 |
| Marion, Alabama | 3 | $ 105,000 | $ 35,000 | $ 15,000 |
| Monroe, Florida | 3 | $ 645,000 | $ 215,000 | $ 62,000 |
| Nassau, Florida | 3 | $ 805,000 | $ 268,333 | $ 134,000 |
| White, Georgia | 3 | $ 495,000 | $ 165,000 | $ 98,000 |
| Bradford, Florida | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Escambia, Florida | 2 | $ 260,000 | $ 130,000 | $ 50,000 |
| Gadsden, Florida | 2 | $ 420,000 | $ 210,000 | $ 95,000 |
| Indian River, Florida | 2 | $ 600,000 | $ 300,000 | $ 254,000 |
| Jefferson, Florida | 2 | $ 200,000 | $ 100,000 | $ 63,000 |
| Martin, Florida | 2 | $ 1,030,000 | $ 515,000 | $ 213,000 |
| Okeechobee, Florida | 2 | $ 240,000 | $ 120,000 | $ 74,000 |
| Washington, Florida | 2 | $ 420,000 | $ 210,000 | $ 86,000 |
| Habersham, Georgia | 2 | $ 420,000 | $ 210,000 | $ 94,000 |
| Buncombe, North Carolina | 2 | $ 190,000 | $ 95,000 | $ 42,000 |
| Cherokee, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 147,000 |
| Forsyth, North Carolina | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Mecklenburg, North Carolina | 2 | $ 530,000 | $ 265,000 | $ 96,000 |
| Beaufort, South Carolina | 2 | $ 450,000 | $ 225,000 | $ 63,000 |
| Greenville, South Carolina | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Houston, Alabama | 1 | $ 105,000 | $ 105,000 | $ 19,000 |
| Jefferson, Alabama | 1 | $ 285,000 | $ 285,000 | $ 189,000 |
| Lauderdale, Alabama | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Bay, Florida | 1 | $ 285,000 | $ 285,000 | $ 152,000 |
| Columbia, Florida | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Holmes, Florida | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Madison, Florida | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Putnam, Florida | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Chatham, Georgia | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Cherokee, Georgia | 1 | $ 845,000 | $ 845,000 | $ 250,000 |
| Cobb, Georgia | 1 | $ 215,000 | $ 215,000 | $ 195,000 |
| Dawson, Georgia | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| DeKalb, Georgia | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Early, Georgia | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Fannin, Georgia | 1 | $ 305,000 | $ 305,000 | $ 265,000 |
| Forsyth, Georgia | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Gilmer, Georgia | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Gwinnett, Georgia | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
| Monroe, Georgia | 1 | $ 385,000 | $ 385,000 | $ 179,000 |
| Thomas, Georgia | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Union, Georgia | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Itawamba, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Burke, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 324,000 |
| Clay, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Davidson, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Haywood, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Pamlico, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Randolph, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Stokes, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 244,000 |
| Union, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| Wake, North Carolina | 1 | $ 475,000 | $ 475,000 | $ 183,000 |
| Wilkes, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 75,000 |
| Anderson, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Jasper, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Lexington, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 152,000 |
| York, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Cannon, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Cocke, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Fentress, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Giles, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Marion, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Monroe, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 190,000 |
| Polk, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 44,000 |
| Sequatchie, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Sevier, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Shelby, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 201,000 |
| Arlington, Virginia | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Culpeper, Virginia | 1 | $ 275,000 | $ 275,000 | $ 103,000 |
| Fairfax, Virginia | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Grayson, Virginia | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Williamsburg, Virginia | 1 | $ 35,000 | $ 35,000 | $ 155,000 |
| York, Virginia | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Suncoast Credit Union in 2019
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 Purchase | 4,274 | $820,550,000 | $191,000 | $1,005,000 | $79,000 | $1,534,000 |
| Other Purpose | 2,744 | $214,920,000 | $78,000 | $1,005,000 | $76,000 | $907,000 |
| Home Improvement | 2,460 | $147,010,000 | $59,000 | $845,000 | $78,000 | $1,200,000 |
| Cash-out Refinancing | 2,042 | $364,500,000 | $178,000 | $855,000 | $81,000 | $1,063,000 |
| Refinancing | 1,949 | $281,165,000 | $144,000 | $965,000 | $84,000 | $1,243,000 |
| 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 | 8,486 | $1,163,640,000 | $137,000 | $1,005,000 | $83,000 | $1,206,000 |
| Hispanic | 2,274 | $286,570,000 | $126,000 | $915,000 | $65,000 | $1,534,000 |
| Not Provided | 1,612 | $232,400,000 | $144,000 | $1,005,000 | $88,000 | $1,500,000 |
| Black or African American | 810 | $97,490,000 | $120,000 | $605,000 | $63,000 | $326,000 |
| Asian | 167 | $28,145,000 | $168,000 | $1,005,000 | $91,000 | $400,000 |
| American Indian or Alaskan Native | 52 | $6,690,000 | $128,000 | $335,000 | $74,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,775,000 | $161,000 | $245,000 | $73,000 | $115,000 |
| Not applicable | 9 | $3,115,000 | $346,000 | $905,000 | $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) | 13,469 | $1,828,145,000 | $135,000 | $1,005,000 | $79,000 | $1,534,000 |
| 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 | 7,378 | $1,025,650,000 | $139,000 | $1,005,000 | $85,000 | $1,534,000 |
| Application Denied By Financial Institution | 3,305 | $376,235,000 | $113,000 | $765,000 | $62,000 | $435,000 |
| Application Approved But Not Accepted | 1,455 | $196,405,000 | $134,000 | $1,005,000 | $85,000 | $1,011,000 |
| Application Withdrawn By Applicant | 651 | $114,595,000 | $176,000 | $905,000 | $90,000 | $1,500,000 |
| File Closed For Incompleteness | 547 | $88,545,000 | $161,000 | $915,000 | $90,000 | $1,206,000 |
| Preapproval Denied by Financial Institution | 93 | $18,435,000 | $198,000 | $645,000 | $50,000 | $153,000 |
| Preapproval Approved but not Accepted | 40 | $8,280,000 | $207,000 | $1,005,000 | $78,000 | $372,000 |
| Loan Purchased By The 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 | 10,071 | $1,433,475,000 | $142,000 | $1,005,000 | $85,000 | $1,534,000 |
| Debt-To-Income Ratio | 1,652 | $221,520,000 | $134,000 | $745,000 | $46,000 | $255,000 |
| Credit History | 1,100 | $103,450,000 | $94,000 | $565,000 | $68,000 | $405,000 |
| Collateral | 361 | $39,345,000 | $108,000 | $765,000 | $96,000 | $382,000 |
| Other | 172 | $16,410,000 | $95,000 | $765,000 | $93,000 | $435,000 |
| Employment History | 76 | $7,910,000 | $104,000 | $385,000 | $70,000 | $258,000 |
| Unverifiable Information | 15 | $1,395,000 | $93,000 | $205,000 | $57,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $2,555,000 | $196,000 | $405,000 | $75,000 | $179,000 |
| Mortgage Insurance Denied | 9 | $2,085,000 | $231,000 | $645,000 | $112,000 | $300,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Suncoast Credit Union's 2019 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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