# Seacoast National Bank

> **Canonical URL:** https://saferate.com/lenders/seacoast-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Seacoast National Bank is a bank, headquartered in Stuart, FL, with 356 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493006MCOP60BBI4G97
- **Headquarters:** Stuart, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.149%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,764
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 356
- **Dollar Volume:** $180 million
- **Applications Received:** 553
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $506,657
- **Average Borrower Income:** $245,997
- **Average Property Value:** $765,927

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 288 | +0.153% | $1,756 | Sound ☺️ |
| Jumbo | 75/100 | 56 | +0.055% | $1,821 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 263 loans, Score: 56/100 (Sound)
- Refinance: 25 loans, Score: 34/100 (Acceptable)

**Jumbo:**
- Purchase: 53 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 56/100 | 328 | $168M | +0.155% | Sound ☺️ |
| Refinance | 35/100 | 28 | $12M | +0.104% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 356 | 0.12% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Port St. Lucie, FL | FL | 64 | 76/100 |
| Orlando | FL | 54 | 63/100 |
| Gainesville, FL | FL | 32 | 66/100 |
| Deltona | FL | 28 | 61/100 |
| West Palm Beach | FL | 23 | 55/100 |
| Ocala, FL | FL | 22 | 57/100 |
| Non |  | 21 | 31/100 |
| Sebastian | FL | 16 | 62/100 |
| Homosassa Springs, FL | FL | 15 | 57/100 |
| North Port | FL | 15 | 48/100 |
| Tampa, FL | FL | 13 | 44/100 |
| Fort Lauderdale | FL | 10 | 42/100 |
| Punta Gorda, FL | FL | 10 | 47/100 |

## Where This Lender Ranks

Seacoast National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Port St. Lucie, FL Banks
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/banks)
- 🏆 **#8** in Gainesville, FL Banks
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/banks)
- 🏆 **#9** in Port St. Lucie, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Sebastian for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Homosassa Springs, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Gainesville, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Ocala, FL Banks
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/banks)
- 🏆 **#13** in Deltona Banks
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/banks)
- 🏆 **#13** in Ocala, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Punta Gorda, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Deltona for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Gainesville, FL
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Seacoast National Bank offer?

Seacoast National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Seacoast National Bank offer mortgages?

Seacoast National Bank offers mortgages in 1 states: FL.

### How competitive are Seacoast National Bank's mortgage rates?

Seacoast National Bank has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.149% above market average.

### What type of lender is Seacoast National Bank?

Seacoast National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Stuart, FL.

### What is Seacoast National Bank's loan approval success rate?

Seacoast National Bank has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/seacoast-national-bank

### How to Cite

> "Seacoast National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/seacoast-national-bank

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