Space Coast Credit Union mortgage approval rate & lending review
Space Coast Credit Union decided 22,262 mortgage applications and funded 13,107 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Space Coast Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Space Coast Credit Union at a glance
Approval is 3.0 points below the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 3,210 / 4,204 | 93% | $395K | 2,996 |
| Home improvement loans | 65% | 7,026 / 10,783 | 86% | $65K | 6,075 |
| Cash-out refinance | 68% | 3,201 / 4,696 | 89% | $145K | 2,846 |
| Refinance | 63% | 599 / 953 | 91% | $105K | 545 |
| Investment property purchase | 50% | 215 / 430 | 90% | $205K | 194 |
| Investment cash-out refinance | 46% | 145 / 315 | 85% | $145K | 123 |
| Investment refinance | 39% | 26 / 67 | 92% | $85K | 24 |
| Investment home improvement | 45% | 366 / 814 | 83% | $105K | 304 |
Space Coast Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 67% | $105K | 22,206 | 13,107 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Space Coast Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brevard County, FL | Home improvement loans | 73% | 2,694 | 1,705 |
| Brevard County, FL | Mortgage lenders | 90% | 1,620 | 1,380 |
| Broward County, FL | Home improvement loans | 59% | 2,220 | 1,121 |
| Miami-Dade County, FL | Home improvement loans | 56% | 2,205 | 1,050 |
| Brevard County, FL | Cash-out refinance | 75% | 1,257 | 850 |
| Volusia County, FL | Home improvement loans | 73% | 1,116 | 721 |
| Broward County, FL | Cash-out refinance | 64% | 1,000 | 575 |
| Miami-Dade County, FL | Cash-out refinance | 63% | 979 | 543 |
| Palm Beach County, FL | Home improvement loans | 62% | 657 | 356 |
| Broward County, FL | Mortgage lenders | 65% | 559 | 321 |
| Volusia County, FL | Cash-out refinance | 70% | 477 | 296 |
| Miami-Dade County, FL | Mortgage lenders | 57% | 587 | 292 |
The county markets where Space Coast Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Space Coast Credit Union
What is Space Coast Credit Union's mortgage approval rate?
Space Coast Credit Union approved 66.4% of the 22,262 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.0 points below the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Space Coast Credit Union offers?
Borrowers accepted 89% of the loans Space Coast Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Space Coast Credit Union make?
The typical home improvement loan loan Space Coast Credit Union made was $65K; across all loan types its typical loan ran from $65K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Space Coast Credit Union lend?
Space Coast Credit Union decided applications in 25 of the states Fat Boy Data covers, most of them in Florida, California and North Carolina.
Can I apply to Space Coast Credit Union directly?
Yes. Space Coast Credit Union is a bank or credit union with 70 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Space Coast Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Space Coast Credit Union treats applications, then get a rate quote from the lender.