We analyzed every closed loan from Space Coast Credit Union — 1.0k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Single State · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 12.00 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Space Coast Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 12.0 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
933 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
FHA
15 loans · 0.84% above market
Sound
Top 60% of lenders
3/5
Jumbo
60 loans · 0.41% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
811 loans · 0.16% below market
Strong
Top 40% of lenders
4/5
Refinance
201 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 12 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 933 | 92.2% | -0.125%Below | $399Fees | ||||
FHA Loans | — | 15 | 1.5% | +0.836%Above | $1,893Fees | |||
Jumbo Loans | 60 | 5.9% | -0.409%Below | $976Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume933
Mix92.2%
Spread
-0.125%Below
Fees
$399Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume15
Mix1.5%
Spread
+0.836%Above
Fees
$1,893Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume60
Mix5.9%
Spread
-0.409%Below
Fees
$976Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 811 | 80.1% | -0.156%Below | $451Fees | ||||
Refinance | 201 | 19.9% | +0.015%Above | $451Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume811
Mix80.1%
Spread
-0.156%Below
Fees
$451Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume201
Mix19.9%
Spread
+0.015%Above
Fees
$451Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,012
Applications
1,879
Volume
$421 million
Pricing & Closing
Avg Rate Spread
-0.120%
vs. market APOR
Avg Net Fees
$451
Origination − Credits
Pullthrough Rate
53.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$416,047
Avg Borrower Income
$186,631
Avg Property Value
$599,842
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 1,0001,000+None
South1
FL
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Space Coast Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.