Seacoast National Bank in Florida vs the state
31.0%Denial rate+9.91 pts vs state
35.3%Decision denial rate+8.06 pts vs state
54.6%Origination rate+1.93 pts vs state
7.25%Median rate+0.63 pts vs state
1.03Rate spread (pts)+0.76 pts vs state
$140kMedian applicant income
1,448Loans originated
821Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,507 | 1,851 | 36.8% | 7.75% | #57 |
| 2024 | 2,856 | 1,512 | 35.7% | 8.00% | #65 |
| 2025 | 2,651 | 1,448 | 31.0% | 7.25% | #77 |
What Seacoast National Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Seacoast National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 338 | 165 | 129 | 38.2% |
| St. Lucie County | 262 | 151 | 76 | 29.0% |
| Orange County | 252 | 144 | 77 | 30.6% |
| Martin County | 246 | 144 | 71 | 28.9% |
| Volusia County | 140 | 84 | 35 | 25.0% |
| Indian River County | 128 | 66 | 47 | 36.7% |
| Highlands County | 120 | 76 | 28 | 23.3% |
| Seminole County | 114 | 63 | 32 | 28.1% |
| Lake County | 109 | 51 | 39 | 35.8% |
| Broward County | 105 | 38 | 54 | 51.4% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,651 applications in 2025, of which 1,448 were originated and 821 denied.
31.0% of all applications, or 35.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Seacoast National Bank originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Seacoast National Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology