Applications / Mortgage Analytics / Lenders / Florida / Seacoast National Bank
Stuart, FL · National bank · OCC · $20.8 billion assets · 1,453 loans in 2025
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1,453
loans originated, 2025
2,661
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Seacoast National Bank is a Florida bank with a large home-improvement book, 34.9% of its loans, that made fewer but larger loans in 2025 and gained share in Port St. Lucie, Deltona-Daytona Beach and Jacksonville.
Originations fell 4% to 1,453 while similar lenders (national banks making between half and twice as many loans) grew 11% and the whole market 10%. The dollar amount rose to $511.0 million from $447.2 million, and its typical loan to $205,000 from $155,000; a move toward larger loans could be one reason the count fell. Jumbo loans (larger than the conforming limit) were 9.5%, higher than nearly nine in ten peers (1.7%).
Home purchases were 38.5% of its loans, home improvement 34.9%, other purposes 11.8% and refinances 14.8%. Its higher-priced share (a rate well above the average for similar loans) was 14.1%, against 1.3% at peers, and its typical rate 7.25%, against 6.52%. Home-improvement and other-purpose loans, nearly half its lending, are often priced this way and could account for most of the difference.
Its share rose 0.2 points to 1.4% in Port St. Lucie, 14 of 559 lenders; 0.5 points to 0.9% in Deltona-Daytona Beach-Ormond Beach; and 0.3 points to 0.3% in Jacksonville.
LMI (low- and moderate-income) borrowers took 12.7% of its loans, lower than nearly all peers (28.5%). Its jumbo lending is one possible reason. Majority-minority areas took 16.1%, against 8.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Seacoast National Bank took 2,661 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.5% · Home improvement 34.9% · Refinance 14.8% · Other 11.8%
Conventional 97.5% · FHA 2.0% · VA 0.4% · USDA (RHS or FSA) 0.1% · of 1,453 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,448 | 99.7% |
| Georgia | 5 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Port St. Lucie | 295 |
| Orlando-Kissimmee-Sanford | 270 |
| West Palm Beach-Boca Raton-Delray Beach | 165 |
| Deltona-Daytona Beach-Ormond Beach | 94 |
| Sebring | 76 |
| Sebastian-Vero Beach-West Vero Corridor | 66 |
| Tampa | 64 |
| Gainesville | 48 |
| Ocala | 48 |
| Palm Bay-Melbourne-Titusville | 46 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006MCOP60BBI4G97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 34537 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114838 | 1990–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Seacoast National Bank's data.
Seacoast National Bank's data
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Seacoast National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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