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Seacoast National Bank

BankStuart, FLDirect to Consumer

Seacoast National Bank has 356 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · Jumbo
Place
Sound
Single State · 12 mkts

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Report Card

Seacoast National Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+14.9 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Single State13 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
28880.9%
+0.153%Above
$1,756Fees
Jumbo Loans
Sound
Strong
Acceptable
Strong
5615.7%
+0.055%Above
$1,821Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
32892.1%
+0.155%Above
$1,691Fees
Refinance
Acceptable
Acceptable
Sound
Acceptable
287.9%
+0.104%Above
$2,288Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
356
Applications
553
Volume
$180 million
Pricing & Closing
Avg Rate Spread
+0.149%
vs. market APOR
Avg Net Fees
$1,764
Origination − Credits
Pullthrough Rate
64.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$506,657
Avg Borrower Income
$245,997
Avg Property Value
$765,927

Geographic Coverage

Geographic Performance

Metro Areas
12
States Served
1
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

FL

Top Metro Areas by Place Specialization Score

1
Port St. Lucie, FL, FLMSA
Volume: 64Mix: 17.98%of portfolio
Place
Strong
2
Gainesville, FL, FLMSA
Volume: 32Mix: 8.99%of portfolio
Place
Strong
3
Orlando, FLMSA
Volume: 54Mix: 15.17%of portfolio
Place
Strong
4
Sebastian, FLMSA
Volume: 16Mix: 4.49%of portfolio
Place
Strong
5
Deltona, FLMSA
Volume: 28Mix: 7.87%of portfolio
Place
Strong
6
Ocala, FL, FLMSA
Volume: 22Mix: 6.18%of portfolio
Place
Sound
7
Homosassa Springs, FL, FLMSA
Volume: 15Mix: 4.21%of portfolio
Place
Sound
8
West Palm Beach, FLMSA
Volume: 23Mix: 6.46%of portfolio
Place
Sound
9
North Port, FLMSA
Volume: 15Mix: 4.21%of portfolio
Place
Sound
10
Punta Gorda, FL, FLMSA
Volume: 10Mix: 2.81%of portfolio
Place
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

1
FLState
Volume: 356Mix: 100.00%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.