Lenders › Seacoast National Bank › Florida
Seacoast National Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Seacoast National Bank reported 2,856 applications and 1,512 originations for 2024, $447m in all.
Its denial rate in the state was 39.5%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 39.6%.
The median rate spread on its Florida originations was 1.6 percentage points (state median 0.3).
Applications in the state were down 19% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Seacoast National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 39.5% | 29.0% | 39.6% | 24.3% |
| Median rate spread, pp | 1.6 | 0.3 | 1.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 54.1% | 16.4% | 54.1% | 15.6% |
| Average originated loan | $296k | $359k | $296k | $329k |
| Home purchase share | 32.5% | 62.9% | 32.5% | 57.0% |
| FHA-insured share | 0.7% | 17.7% | 0.7% | 13.4% |
| VA-guaranteed share | 0.2% | 9.5% | 0.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 32% (491)Home improvement 42% (632)Refinancing 8% (127)Cash-out refinancing 2% (27)Other purpose 16% (235)
By type
Conventional 99% (1,498)FHA 1% (11)VA 0% (3)
Denial reasons as coded
Share of 1,020 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 379 | 177 | $56m | 46.2% |
| Martin County | 284 | 161 | $35m | 35.0% |
| Orange County | 294 | 159 | $41m | 39.6% |
| St. Lucie County | 276 | 143 | $23m | 41.0% |
| Seminole County | 147 | 85 | $20m | 35.6% |
| Volusia County | 142 | 84 | $20m | 30.4% |
| Broward County | 165 | 82 | $65m | 45.9% |
| Indian River County | 140 | 77 | $12m | 37.7% |
| Lake County | 133 | 68 | $15m | 38.3% |
| Miami-Dade County | 114 | 43 | $19m | 55.2% |
| Hillsborough County | 77 | 36 | $11m | 46.4% |
| Sarasota County | 67 | 36 | $25m | 40.0% |
| Brevard County | 75 | 34 | $11m | 49.3% |
| Pinellas County | 61 | 30 | $11m | 41.1% |
| Marion County | 45 | 30 | $9.8m | 16.7% |
| Levy County | 48 | 28 | $6.9m | 34.1% |
| Citrus County | 32 | 22 | $7.5m | 20.7% |
| Okeechobee County | 36 | 21 | $2.8m | 36.4% |
| Columbia County | 27 | 17 | $4.3m | 32.0% |
| Polk County | 27 | 16 | $2.1m | 37.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Seacoast National Bank originate in Florida in 2024?
1,512 loans totalling $447m, from 2,856 applications reported for properties in Florida.
What is Seacoast National Bank's denial rate in Florida?
39.5% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 39.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Seacoast National Bank lend in most?
By originations: Palm Beach County (177), Martin County (161), Orange County (159), St. Lucie County (143), Seminole County (85).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.