Purchase Originations
1,639
Ranked #266 nationally
Median Total Costs
$4,058
−39.3% vs national ($6,680)
↑ $177 vs prior year
Median Rate
5.375%
−17.2% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$500
Median Lender Credits
$3,000
Cost Rank (500+ vol.)
#116
among lenders with 500+ originations
Denial Rate
8.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,639 | 5.375% | $4,058 | $500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,610 | 5.375% | $4,070 | #29 |
| Tennessee | 10 | 4.870% | $4,004 | — |
| Georgia | 8 | 5.125% | $3,720 | — |
| North Carolina | 6 | 4.990% | $3,061 | — |
| South Carolina | 4 | 5.375% | $3,382 | — |
| Virginia | 1 | 4.750% | $3,146 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,625 | 5.375% | — | 69 | −$433 | |
| 2 | $3,640 | 5.625% | — | 73 | −$418 | |
| 3 | $3,658 | 5.625% | — | 9 | −$400 | |
| 4 | $3,715 | 5.250% | — | 12 | −$343 | |
| 5 | $3,732 | 5.625% | — | 21 | −$326 | |
| 6 | $3,882 | 5.375% | — | 118 | −$176 | |
| 7 | $3,888 | 5.375% | — | 71 | −$170 | |
| 8 | $3,938 | 5.375% | — | 45 | −$120 | |
| 9 | $3,986 | 5.375% | — | 156 | −$72 | |
| 10 | $4,052 | 5.375% | — | 308 | −$6 | |
| 11 | $4,055 | 5.375% | — | 69 | −$3 | |
| 12 | $4,207 | 5.250% | — | 14 | +$149 | |
| 13 | $4,321 | 5.375% | — | 348 | +$263 | |
| 14 | $4,325 | 5.375% | — | 73 | +$267 | |
| 15 | $4,572 | 5.750% | — | 7 | +$514 | |
| 16 | $4,739 | 5.188% | — | 12 | +$681 | |
| 17 | $4,750 | 5.375% | — | 78 | +$692 | |
| 18 | $4,880 | 5.125% | — | 14 | +$822 | |
| 19 | $5,290 | 5.125% | — | 23 | +$1,232 | |
| 20 | $5,915 | 5.375% | — | 15 | +$1,857 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Suncoast Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $4,058 | $7,127 | −$3,069 (−43.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.