Suncoast Credit Union mortgage approval rate & lending review
Suncoast Credit Union decided 19,808 mortgage applications and funded 14,055 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Suncoast Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Suncoast Credit Union at a glance
Approval is 0.5 points above the 72.2% 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 | 83% | 4,738 / 5,675 | 99% | $305K | 4,682 |
| Home improvement loans | 69% | 6,858 / 9,927 | 97% | $65K | 6,624 |
| Cash-out refinance | 57% | 834 / 1,467 | 98% | $195K | 821 |
| Refinance | 73% | 1,760 / 2,415 | 97% | $95K | 1,715 |
| Investment property purchase | 87% | 182 / 210 | 99% | $265K | 181 |
| Investment cash-out refinance | 30% | 17 / 57 | 100% | $175K | 17 |
| Investment refinance | 29% | 12 / 41 | 92% | $285K | 11 |
Suncoast Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 73% | $95K | 19,684 | 13,991 |
| North Carolina | 68% | $385K | 22 | 14 |
| South Carolina | 64% | $305K | 22 | 14 |
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 Suncoast Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, FL | Home improvement loans | 72% | 2,364 | 1,633 |
| Lee County, FL | Home improvement loans | 68% | 2,059 | 1,348 |
| Lee County, FL | Mortgage lenders | 83% | 1,222 | 1,002 |
| Hillsborough County, FL | Mortgage lenders | 85% | 1,109 | 926 |
| Pasco County, FL | Home improvement loans | 70% | 945 | 642 |
| Collier County, FL | Home improvement loans | 67% | 919 | 600 |
| Pasco County, FL | Mortgage lenders | 87% | 550 | 476 |
| Hillsborough County, FL | Refinance | 76% | 608 | 449 |
| Manatee County, FL | Home improvement loans | 76% | 592 | 435 |
| Hernando County, FL | Home improvement loans | 71% | 575 | 397 |
| Pinellas County, FL | Home improvement loans | 71% | 460 | 317 |
| Sarasota County, FL | Home improvement loans | 69% | 457 | 305 |
The county markets where Suncoast Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Suncoast Credit Union
What is Suncoast Credit Union's mortgage approval rate?
Suncoast Credit Union approved 72.7% of the 19,808 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.5 points above the 72.2% national rate for the same mix of loan types.
How often do borrowers take the loan Suncoast Credit Union offers?
Borrowers accepted 98% of the loans Suncoast 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 Suncoast Credit Union make?
The typical home improvement loan loan Suncoast Credit Union made was $65K; across all loan types its typical loan ran from $65K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Suncoast Credit Union lend?
Suncoast Credit Union decided applications in 25 of the states Fat Boy Data covers, most of them in Florida, North Carolina and South Carolina.
Can I apply to Suncoast Credit Union directly?
Yes. Suncoast Credit Union is a bank or credit union with 81 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Suncoast 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 Suncoast Credit Union treats applications, then get a rate quote from the lender.