Applications / Mortgage Analytics / Lenders / Florida / Suncoast Credit Union
Tampa, FL · Credit union · NCUA · $19.7 billion assets · 8,416 loans in 2025
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8,416
loans originated, 2025
12,969
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Suncoast Credit Union put 22.8% of its loans in low- and moderate-income (LMI) areas, the highest share among similar lenders (credit unions making between half and twice as many loans), against 14.2% for the typical peer.
Besides its lead on LMI areas, LMI borrowers took 33.1% of its loans, higher than about nine in ten similar lenders, and majority-minority areas 24.9% against 8.1%, higher than about eight in ten. Both shares are up from five years before, at 26.2% and 13.8%. The makeup of its Florida markets may account for part of this.
Loans rose 18% to 8,416, against 9% for the typical peer and 10% for the whole market, higher growth than about three-quarters of similar lenders. Its share rose in every Florida market shown with a share: Punta Gorda by 1.0 points to 2.5%, Cape Coral-Fort Myers to 3.2%, where it ranks 4 of 798, and Naples to 2.0%.
Higher-priced loans, at a rate well above the average for similar loans, dropped from 13.0% to 1.9%, still above the typical peer's 0.6%. Its typical rate, 7.25%, was higher than about three-quarters of peers. Purchases were only 23.7% of its loans, with home improvement at 26.2% and other purposes at 35.8%; a mix like that may carry different pricing from purchase lending.
All its loans were conventional (100.0%), with none government-backed.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Suncoast Credit Union took 12,969 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.8% · Home improvement 26.2% · Purchase 23.7% · Refinance 14.3%
Conventional 100.0% · of 8,416 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 8,364 | 99.4% |
| Georgia | 19 | 0.2% |
| Tennessee | 12 | 0.1% |
| North Carolina | 9 | 0.1% |
| Alabama | 5 | 0.1% |
| South Carolina | 5 | 0.1% |
| Mississippi | 1 | 0.0% |
| Virginia | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 3,215 |
| Cape Coral-Fort Myers | 1,656 |
| North Port-Bradenton-Sarasota | 815 |
| Naples-Marco Island | 612 |
| St. Petersburg-Clearwater-Largo | 390 |
| Punta Gorda | 385 |
| Homosassa Springs | 379 |
| Lakeland-Winter Haven | 214 |
| Orlando-Kissimmee-Sanford | 148 |
| Ocala | 67 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TOOOOW36EX6R40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 25085 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523042 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 568645 | 2015–2017 |
Established 1 January 1978. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Suncoast Credit Union's data.
Suncoast Credit Union's data
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Suncoast Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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