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Suncoast Credit Union

Credit Union•Tampa, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Suncoast Credit Union — 1.5k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 85.70 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Suncoast Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 85.7 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,480 loans · 0.85% below market
Strong
Top 40% of lenders
4/5
Jumbo
28 loans · 1.24% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,193 loans · 0.88% below market
Strong
Top 40% of lenders
4/5
Refinance
315 loans · 0.76% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume1,480
Mix98.1%
Spread
-0.850%Below
Fees
$699Credit
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume28
Mix1.9%
Spread
-1.240%Below
Fees
$1,039Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume1,193
Mix79.1%
Spread
-0.882%Below
Fees
$894Credit
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume315
Mix20.9%
Spread
-0.763%Below
Fees
$10Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,508
Applications
2,375
Volume
$458 million
Pricing & Closing
Avg Rate Spread
-0.857%
vs. market APOR
Avg Net Fees
$-705
Origination − Credits
Pullthrough Rate
63.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$304,038
Avg Borrower Income
$127,326
Avg Property Value
$405,239

Geographic Coverage

Geographic Performance

Metro Areas
13
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8Full-year 2024 · HMDA
8 states with loan originations
Loans originated
< 1,0001,000+None
South8
ALFLGAMSNCSCTNVA

Top Metro Areas by Place Specialization Score

1© Interface Multimedia, Inc. · CC BY-SA 4.0
Tampa, FLMetro
Volume 501Mix 33.22% of portfolio
87/100
Exceptional
2© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 304Mix 20.16% of portfolio
87/100
Exceptional
3© Paul Clark · CC BY 2.0
Homosassa Springs, FLMetro
Volume 70Mix 4.64% of portfolio
85/100
Exceptional
4© Ebyabe · CC BY-SA 3.0
Punta Gorda, FLMetro
Volume 88Mix 5.84% of portfolio
83/100
Exceptional
5© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 69Mix 4.58% of portfolio
80/100
Strong
6© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 132Mix 8.75% of portfolio
78/100
Strong
7© Jrozwado · CC BY-SA 4.0
St. Petersburg, FLMetro
Volume 90Mix 5.97% of portfolio
73/100
Strong
8© Butter142 · CC BY-SA 4.0
Lakeland, FLMetro
Volume 42Mix 2.79% of portfolio
60/100
Strong
9© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 40Mix 2.65% of portfolio
55/100
Sound
10© Ebyabe · CC BY 2.5
Ocala, FLMetro
Volume 17Mix 1.13% of portfolio
49/100
Sound
Showing 10 of 13 metro areas

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 1,473Mix 97.68% of portfolio
85/100
Exceptional

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
Champion(80%+ = 40-50 points)
Superstar
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.

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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.