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Seacoast National Bank

BankStuart, FLHQDirectReviews near you on Google

Seacoast National Bank has 356 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Single State · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Explore another lender or local market

Report Card

Seacoast National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+14.9 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
288 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
Jumbo
56 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
328 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
Refinance
28 loans · 0.10% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Single State · 13 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume288
Mix80.9%
Spread
+0.153%Above
Fees
$1,756Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume56
Mix15.7%
Spread
+0.055%Above
Fees
$1,821Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume328
Mix92.1%
Spread
+0.155%Above
Fees
$1,691Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume28
Mix7.9%
Spread
+0.104%Above
Fees
$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
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1Full-year 2024 · HMDA
1 states with loan originations
Loans originated
All statesNone
South1
FL

Top Metro Areas by Place Specialization Score

1© Dough4872 · CC BY-SA 4.0
Port St. Lucie, FLMetro
Volume 64Mix 17.98% of portfolio
76/100
Strong
2© Ebyabe · CC BY 2.5
Gainesville, FLMetro
Volume 32Mix 8.99% of portfolio
66/100
Strong
Volume 54Mix 15.17% of portfolio
63/100
Strong
4© Ebyabe · CC BY-SA 3.0
Sebastian, FLMetro
Volume 16Mix 4.49% of portfolio
62/100
Strong
5© nick hoke · CC BY 3.0
Deltona, FLMetro
Volume 28Mix 7.87% of portfolio
61/100
Strong
6© Ebyabe · CC BY 2.5
Ocala, FLMetro
Volume 22Mix 6.18% of portfolio
57/100
Sound
7© Paul Clark · CC BY 2.0
Homosassa Springs, FLMetro
Volume 15Mix 4.21% of portfolio
57/100
Sound
8© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 23Mix 6.46% of portfolio
55/100
Sound
9© Rino Landa · CC BY-SA 4.0
North Port, FLMetro
Volume 15Mix 4.21% of portfolio
48/100
Sound
10© Ebyabe · CC BY-SA 3.0
Punta Gorda, FLMetro
Volume 10Mix 2.81% of portfolio
47/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 356Mix 100.00% of portfolio
75/100
Strong

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.