Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Seaside National Bank & Trust of Orlando, FL reported 55 mortgage applications totaling $32.1 million. The average application was for $583,727, and applicants reported an average income of $407,327. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (14), West Palm Beach-Boca Raton-Delray Beach, FL (14) and Miami-Miami Beach-Kendall, FL (8) (applications in parentheses).
| Mortgage Company & Address | Seaside National Bank & Trust 201 S Orange Ave, Ste 1350 Orlando, FL 32801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $32,105,000 |
| Average Mortgage Loan Application Amount | $583,727 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $407,327 |
| Highest Applicant Income | $1,441,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Palm Beach, Florida | 14 | $ 13,060,000 | $ 932,857 | $ 355,000 |
| Orange, Florida | 11 | $ 5,545,000 | $ 504,090 | $ 281,000 |
| Miami-Dade, Florida | 8 | $ 5,690,000 | $ 711,250 | $ 221,000 |
| Hillsborough, Florida | 3 | $ 2,165,000 | $ 721,666 | $ 1,441,000 |
| Brevard, Florida | 2 | $ 830,000 | $ 415,000 | $ 331,000 |
| Broward, Florida | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Lee, Florida | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Manatee, Florida | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Sarasota, Florida | 2 | $ 870,000 | $ 435,000 | $ 1,237,000 |
| Seminole, Florida | 2 | $ 660,000 | $ 330,000 | $ 216,000 |
| St. Lucie, Florida | 2 | $ 500,000 | $ 250,000 | $ 543,000 |
| Charlotte, Florida | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Duval, Florida | 1 | $ 485,000 | $ 485,000 | $ 828,000 |
| Indian River, Florida | 1 | $ 125,000 | $ 125,000 | $ 192,000 |
| Lake, Florida | 1 | $ 395,000 | $ 395,000 | $ 709,000 |
| Polk, Florida | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Seaside National Bank & Trust in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 26 | $16,330,000 | $628,000 | $3,505,000 | $240,000 | $709,000 |
| Home Purchase | 23 | $13,735,000 | $597,000 | $3,075,000 | $619,000 | $1,441,000 |
| Cash-out Refinancing | 6 | $2,040,000 | $340,000 | $805,000 | $321,000 | $499,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 37 | $21,245,000 | $574,000 | $3,245,000 | $340,000 | $1,441,000 |
| Not applicable | 15 | $9,345,000 | $623,000 | $3,505,000 | $0 | $0 |
| White | 3 | $1,515,000 | $505,000 | $705,000 | $737,000 | $1,237,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 52 | $31,410,000 | $604,000 | $3,505,000 | $372,000 | $1,441,000 |
| FHA-insured (Federal Housing Administration) | 3 | $695,000 | $231,000 | $275,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 38 | $22,970,000 | $604,000 | $3,505,000 | $424,000 | $1,441,000 |
| Loan Purchased By The Institution | 7 | $1,095,000 | $156,000 | $275,000 | $0 | $0 |
| Application Denied By Financial Institution | 7 | $4,975,000 | $710,000 | $3,245,000 | $162,000 | $271,000 |
| Application Withdrawn By Applicant | 3 | $3,065,000 | $1,021,000 | $2,005,000 | $72,000 | $72,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 48 | $27,130,000 | $565,000 | $3,505,000 | $412,000 | $1,441,000 |
| Collateral | 2 | $410,000 | $205,000 | $205,000 | $271,000 | $271,000 |
| Debt-To-Income Ratio | 2 | $3,450,000 | $1,725,000 | $3,245,000 | $109,000 | $119,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $115,000 | $115,000 |
| Credit Application Incomplete | 1 | $455,000 | $455,000 | $455,000 | $185,000 | $185,000 |
| Credit History | 1 | $325,000 | $325,000 | $325,000 | $187,000 | $187,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Seaside National Bank & Trust's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Seaside National Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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