Seacoast National Bank mortgage approval rate & lending review
Seacoast National Bank decided 6,257 mortgage applications and funded 3,800 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Seacoast National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Seacoast National Bank at a glance
Approval is 8.4 points below the 71.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 1,237 / 1,631 | 98% | $355K | 1,207 |
| Home improvement loans | 57% | 1,946 / 3,414 | 95% | $105K | 1,840 |
| Cash-out refinance | 68% | 86 / 126 | 98% | $335K | 84 |
| Refinance | 61% | 418 / 682 | 94% | $205K | 395 |
| Investment property purchase | 82% | 211 / 258 | 98% | $335K | 207 |
| Investment cash-out refinance | 70% | 21 / 30 | 90% | $235K | 19 |
| Investment refinance | 42% | 11 / 26 | 100% | $345K | 11 |
| Investment home improvement | 41% | 37 / 90 | 100% | $195K | 37 |
Seacoast National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 63% | $205K | 6,242 | 3,796 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Seacoast National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Palm Beach County, FL | Home improvement loans | 51% | 623 | 301 |
| Martin County, FL | Home improvement loans | 65% | 381 | 235 |
| Orange County, FL | Home improvement loans | 59% | 378 | 214 |
| St. Lucie County, FL | Home improvement loans | 55% | 396 | 202 |
| Palm Beach County, FL | Mortgage lenders | 70% | 175 | 120 |
| Martin County, FL | Mortgage lenders | 81% | 149 | 118 |
| Indian River County, FL | Home improvement loans | 59% | 204 | 112 |
| Broward County, FL | Home improvement loans | 50% | 208 | 99 |
| Volusia County, FL | Home improvement loans | 63% | 152 | 93 |
| St. Lucie County, FL | Mortgage lenders | 79% | 121 | 91 |
| Seminole County, FL | Home improvement loans | 58% | 159 | 91 |
| Lake County, FL | Home improvement loans | 59% | 155 | 87 |
The county markets where Seacoast National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Seacoast National Bank
What is Seacoast National Bank's mortgage approval rate?
Seacoast National Bank approved 63.4% of the 6,257 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points below the 71.8% national rate for the same mix of loan types.
How often do borrowers take the loan Seacoast National Bank offers?
Borrowers accepted 96% of the loans Seacoast National Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Seacoast National Bank make?
The typical home improvement loan loan Seacoast National Bank made was $105K; across all loan types its typical loan ran from $105K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Seacoast National Bank lend?
Seacoast National Bank decided applications in 8 of the states Fat Boy Data covers, most of them in Florida, Georgia and Texas.
Can I apply to Seacoast National Bank directly?
Yes. Seacoast National Bank is a bank or credit union with 111 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Seacoast National Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Seacoast National Bank treats applications, then get a rate quote from the lender.