Suncoast Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Suncoast Credit Union of Tampa, FL reported 11,831 mortgage applications totaling $1.6 billion, down 19% from 2023. The average application was for $137,588, and applicants reported an average income of $107,605. 60% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Tampa, FL (4,463), Cape Coral-Fort Myers, FL (2,479) and North Port-Sarasota-Bradenton, FL (1,097) (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 | 11,831 |
| Total Mortgage Loan Application Amount | $1,627,810,000 |
| Average Mortgage Loan Application Amount | $137,588 |
| Highest Mortgage Loan Application Amount | $34,845,000 |
| Average Applicant Income | $107,605 |
| Highest Applicant Income | $5,580,000 |
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(HMDA) records Suncoast Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tampa, FL | 4,463 | $ 555,055,000 | $ 124,368 | $ 106,000 |
| Cape Coral-Fort Myers, FL | 2,479 | $ 315,015,000 | $ 127,073 | $ 105,000 |
| North Port-Sarasota-Bradenton, FL | 1,097 | $ 175,665,000 | $ 160,132 | $ 112,000 |
| Naples-Immokalee-Marco Island, FL | 929 | $ 138,215,000 | $ 148,778 | $ 116,000 |
| Punta Gorda, FL | 543 | $ 66,615,000 | $ 122,679 | $ 100,000 |
| St. Petersburg-Clearwater-Largo, FL | 531 | $ 86,060,000 | $ 162,071 | $ 123,000 |
| Homosassa Springs, FL | 467 | $ 48,905,000 | $ 104,721 | $ 87,000 |
| Lakeland-Winter Haven, FL | 262 | $ 66,290,000 | $ 253,015 | $ 96,000 |
| Outside any metro area | 261 | $ 32,245,000 | $ 123,544 | $ 91,068 |
| Orlando-Kissimmee-Sanford, FL | 177 | $ 35,085,000 | $ 198,220 | $ 138,000 |
| Wildwood-The Villages, FL | 77 | $ 9,565,000 | $ 124,220 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 69 | $ 21,125,000 | $ 306,159 | $ 167,000 |
| Ocala, FL | 65 | $ 9,475,000 | $ 145,769 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 63 | $ 12,305,000 | $ 195,317 | $ 112,000 |
| Gainesville, FL | 56 | $ 7,630,000 | $ 136,250 | $ 127,000 |
| Sebring, FL | 51 | $ 5,275,000 | $ 103,431 | $ 104,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 46 | $ 9,610,000 | $ 208,913 | $ 188,000 |
| Jacksonville, FL | 33 | $ 6,985,000 | $ 211,666 | $ 124,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 4,345,000 | $ 206,904 | $ 138,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 4,010,000 | $ 250,625 | $ 145,000 |
| Port St. Lucie, FL | 16 | $ 2,400,000 | $ 150,000 | $ 87,000 |
| Tallahassee, FL | 15 | $ 1,285,000 | $ 85,666 | $ 114,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 630,000 | $ 105,000 | $ 239,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 590,000 | $ 147,500 | $ 140,000 |
| Marietta, GA | 4 | $ 700,000 | $ 175,000 | $ 247,000 |
| Panama City, FL | 4 | $ 710,000 | $ 177,500 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,050,000 | $ 262,500 | $ 129,250 |
| Chattanooga, TN-GA | 3 | $ 805,000 | $ 268,333 | $ 68,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 895,000 | $ 298,333 | $ 181,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 295,000 | $ 98,333 | $ 166,000 |
| Sebastian-Vero Beach, FL | 3 | $ 525,000 | $ 175,000 | $ 75,000 |
| Asheville, NC | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Charleston-North Charleston, SC | 2 | $ 690,000 | $ 345,000 | $ 83,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 150,000 | $ 75,000 | $ 56,000 |
| Fayetteville, NC | 2 | $ 320,000 | $ 160,000 | $ 105,000 |
| Gadsden, AL | 2 | $ 280,000 | $ 140,000 | $ 80,000 |
| Greensboro-High Point, NC | 2 | $ 210,000 | $ 105,000 | $ 112,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 230,000 | $ 115,000 | $ 112,000 |
| Knoxville, TN | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 260,000 | $ 130,000 | $ 125,000 |
| Raleigh, NC | 2 | $ 710,000 | $ 355,000 | $ 257,000 |
| Albany, GA | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Albuquerque, NM | 1 | $ 105,000 | $ 105,000 | $ 518,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 75,000 | $ 75,000 | $ 168,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Austin-Round Rock, TX | 1 | $ 155,000 | $ 155,000 | $ 200,000 |
| Birmingham-Hoover, AL | 1 | $ 345,000 | $ 345,000 | $ 315,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Bloomington, IL | 1 | $ 35,000 | $ 35,000 | $ 155,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Charlottesville, VA | 1 | $ 655,000 | $ 655,000 | $ 117,000 |
| Cincinnati, OH-KY-IN | 1 | $ 65,000 | $ 65,000 | $ 240,000 |
| Coeur D'Alene, ID | 1 | $ 155,000 | $ 155,000 | $ 216,000 |
| Columbus, GA-AL | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Dallas-Plano-Irving, TX | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Duluth, MN-WI | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
| Florence, SC | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Florence-Muscle Shoals, AL | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Grand Junction, CO | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Jackson, MI | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Johnson City, TN | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Kankakee, IL | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Longview, TX | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Lynchburg, VA | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Macon-Bibb County, GA | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 45,000 | $ 45,000 | $ 134,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Pittsburgh, PA | 1 | $ 55,000 | $ 55,000 | $ 169,000 |
| Pocatello, ID | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Portland-South Portland, ME | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Providence-Warwick, RI-MA | 1 | $ 105,000 | $ 105,000 | $ 221,000 |
| Rapid City, SD | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 25,000 | $ 25,000 | $ 145,000 |
| Spartanburg, SC | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Sumter, SC | 1 | $ 405,000 | $ 405,000 | $ 178,000 |
| Warner Robins, GA | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Winston-Salem, NC | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Suncoast Credit Union in 2024
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 | 4,731 | $393,880,000 | $83,000 | $2,105,000 | $101,000 | $1,500,000 |
| Home Improvement | 3,370 | $294,150,000 | $87,000 | $755,000 | $107,000 | $5,580,000 |
| Home Purchase | 2,068 | $567,480,000 | $274,000 | $1,545,000 | $123,000 | $1,378,000 |
| Refinancing | 940 | $200,710,000 | $213,000 | $34,845,000 | $115,000 | $3,708,000 |
| Cash-out Refinancing | 722 | $171,590,000 | $237,000 | $1,705,000 | $100,000 | $3,515,000 |
| 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 | 6,517 | $842,480,000 | $129,000 | $1,675,000 | $111,000 | $5,580,000 |
| Hispanic | 3,004 | $376,350,000 | $125,000 | $1,705,000 | $98,000 | $1,317,000 |
| Black or African American | 1,012 | $117,310,000 | $115,000 | $995,000 | $92,000 | $1,500,000 |
| Not Provided | 950 | $154,020,000 | $162,000 | $1,505,000 | $125,000 | $3,708,000 |
| Asian | 251 | $53,965,000 | $215,000 | $1,235,000 | $142,000 | $3,515,000 |
| American Indian or Alaskan Native | 63 | $7,415,000 | $117,000 | $585,000 | $124,000 | $1,824,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $2,355,000 | $94,000 | $245,000 | $124,000 | $490,000 |
| Not applicable | 9 | $73,915,000 | $8,212,000 | $34,845,000 | $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) | 11,831 | $1,627,810,000 | $137,000 | $34,845,000 | $108,000 | $5,580,000 |
| 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 | 7,114 | $936,590,000 | $131,000 | $1,675,000 | $114,000 | $5,580,000 |
| Application Denied By Financial Institution | 2,926 | $338,825,000 | $115,000 | $1,705,000 | $89,000 | $3,708,000 |
| File Closed For Incompleteness | 908 | $111,000,000 | $122,000 | $1,705,000 | $110,000 | $1,824,000 |
| Application Withdrawn By Applicant | 800 | $231,450,000 | $289,000 | $34,845,000 | $116,000 | $3,515,000 |
| Application Approved But Not Accepted | 83 | $9,945,000 | $119,000 | $465,000 | $105,000 | $512,000 |
| 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 | 8,905 | $1,288,985,000 | $144,000 | $34,845,000 | $114,000 | $5,580,000 |
| Debt-To-Income Ratio | 1,156 | $172,350,000 | $149,000 | $1,705,000 | $68,000 | $500,000 |
| Credit History | 978 | $82,570,000 | $84,000 | $805,000 | $85,000 | $1,042,000 |
| Collateral | 510 | $49,955,000 | $98,000 | $705,000 | $122,000 | $937,000 |
| Other | 209 | $25,945,000 | $124,000 | $945,000 | $149,000 | $3,708,000 |
| Employment History | 43 | $3,705,000 | $86,000 | $505,000 | $95,000 | $264,000 |
| Unverifiable Information | 22 | $2,740,000 | $124,000 | $505,000 | $116,000 | $373,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,080,000 | $270,000 | $425,000 | $105,000 | $160,000 |
| Credit Application Incomplete | 3 | $225,000 | $75,000 | $95,000 | $85,000 | $145,000 |
| Mortgage Insurance Denied | 1 | $255,000 | $255,000 | $255,000 | $363,000 | $363,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Suncoast Credit Union's 2024 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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