Purchase Originations
358
Median Total Costs
$6,583
−1.4% vs national ($6,680)
↓ $321 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,375
Median Lender Credits
$598
Denial Rate
12.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 326 | 6.500% | $6,398 | $1,425 |
| fha | 29 | 6.125% | $9,856 | $1,375 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 358 | 6.500% | $6,583 | #112 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,405 | 6.500% | — | 27 | −$2,178 | |
| 2 | $5,487 | 6.625% | — | 9 | −$1,096 | |
| 3 | $5,561 | 6.500% | — | 26 | −$1,022 | |
| 4 | $5,752 | 6.375% | — | 23 | −$831 | |
| 5 | $5,859 | 6.250% | — | 15 | −$724 | |
| 6 | $5,877 | 6.688% | — | 6 | −$706 | |
| 7 | $6,071 | 6.250% | — | 10 | −$512 | |
| 8 | $6,176 | 6.375% | — | 7 | −$407 | |
| 9 | $6,178 | 6.500% | — | 7 | −$405 | |
| 10 | $6,179 | 6.375% | — | 22 | −$404 | |
| 11 | $6,522 | 6.750% | — | 16 | −$61 | |
| 12 | $6,586 | 6.625% | — | 7 | +$3 | |
| 13 | $6,602 | 6.250% | — | 11 | +$19 | |
| 14 | $6,670 | 6.625% | — | 16 | +$87 | |
| 15 | $6,714 | 6.375% | — | 22 | +$131 | |
| 16 | $6,788 | 6.625% | — | 25 | +$205 | |
| 17 | $7,334 | 6.625% | — | 12 | +$751 | |
| 18 | $9,329 | 6.438% | — | 12 | +$2,746 | |
| 19 | $10,321 | 6.438% | — | 26 | +$3,738 | |
| 20 | $12,589 | 6.250% | — | 6 | +$6,006 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Seacoast National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $6,583 | $7,127 | −$544 (−7.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.