Applications / Mortgage Analytics / Lenders / Florida / Space Coast Credit Union
Melbourne, FL · Credit union · NCUA · $9.1 billion assets · 5,900 loans in 2025
Space Coast Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
5,900
loans originated, 2025
12,008
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Space Coast Credit Union ranks 2 of 573 lenders in its home market of Palm Bay-Melbourne-Titusville, where its share rose to 7.3% from 6.4% in 2025.
It has lent in Palm Bay-Melbourne-Titusville since 1991 and trails only United Wholesale Mortgage there. Its share also rose in Deltona-Daytona Beach-Ormond Beach, to 1.7% from 1.5%. Originations grew 10%, against 9% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, and are up from 2,214 in 2018.
Home improvement was 35.1% of its loans, refinancing 26.3%, purchase 20.2% and other purposes 18.4%. Its middle rate was 5.50% against 6.93% at similar lenders, lower than more than nine in ten of them. Its mix of loan purposes may explain part of the gap.
Of its loans, 37.2% were in majority-minority areas against 9.3% at similar lenders, higher than more than nine in ten; it also ranks 24 of 937 lenders around Miami. LMI (low- and moderate-income) borrowers took 14.7% of its loans against 26.3%, among the lowest tenth. Its home-improvement and other-purpose loans go to existing owners, who may have higher incomes, and its markets may also play a part.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Space Coast Credit Union took 12,008 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.1% · Refinance 26.3% · Purchase 20.2% · Other 18.4%
Conventional 99.8% · FHA 0.1% · VA 0.0% · of 5,900 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 | 5,900 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Palm Bay-Melbourne-Titusville | 1,793 |
| Fort Lauderdale-Pompano Beach-Sunrise | 961 |
| Miami-Miami Beach-Kendall | 954 |
| Deltona-Daytona Beach-Ormond Beach | 728 |
| Orlando-Kissimmee-Sanford | 356 |
| West Palm Beach-Boca Raton-Delray Beach | 351 |
| Sebastian-Vero Beach-West Vero Corridor | 209 |
| Port St. Lucie | 139 |
| Tampa | 80 |
| Jacksonville | 75 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VN9E1DEKF26E34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 26998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567297 | 1991–2017 |
Established 1 January 1951. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Space Coast Credit Union's data.
Space Coast Credit Union's data
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Space Coast 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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