Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Seaside National Bank & Trust of Orlando, FL reported 57 mortgage applications totaling $26.8 million, down 90% from 2009. The average application was for $470,649, and applicants reported an average income of $335,035. 54% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (23), West Palm Beach-Boca Raton-Boynton Beach, FL (7) and Tampa-St. Petersburg-Clearwater, FL (6) (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 | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 57 |
| Total Mortgage Loan Application Amount | $26,827,000 |
| Average Mortgage Loan Application Amount | $470,649 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $335,035 |
| Highest Applicant Income | $2,819,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Seaside National Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 44 | $21,966,000 | $499,000 | $5,000,000 | $286,000 | $1,442,000 |
| Refinancing | 13 | $4,861,000 | $373,000 | $1,100,000 | $501,000 | $2,819,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 51 | $23,924,000 | $469,000 | $5,000,000 | $341,000 | $2,819,000 |
| Not Provided | 3 | $1,435,000 | $478,000 | $990,000 | $207,000 | $351,000 |
| Hispanic | 2 | $1,411,000 | $705,000 | $845,000 | $515,000 | $567,000 |
| Black or African American | 1 | $57,000 | $57,000 | $57,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 51 | $25,313,000 | $496,000 | $5,000,000 | $360,000 | $2,819,000 |
| FHA-insured (Federal Housing Administration) | 4 | $577,000 | $144,000 | $315,000 | $71,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 2 | $937,000 | $468,000 | $520,000 | $246,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 31 | $15,858,000 | $511,000 | $5,000,000 | $427,000 | $2,819,000 |
| Application Withdrawn By Applicant | 14 | $4,808,000 | $343,000 | $990,000 | $166,000 | $351,000 |
| Application Denied By Financial Institution | 7 | $4,282,000 | $611,000 | $1,723,000 | $300,000 | $559,000 |
| Application Approved But Not Accepted | 3 | $1,405,000 | $468,000 | $720,000 | $330,000 | $635,000 |
| File Closed For Incompleteness | 2 | $474,000 | $237,000 | $417,000 | $234,000 | $400,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $674,000 | $337,000 | $380,000 | $346,000 | $559,000 |
| Other | 2 | $1,388,000 | $694,000 | $845,000 | $317,000 | $464,000 |
| Unverifiable Information | 1 | $417,000 | $417,000 | $417,000 | $165,000 | $165,000 |
| Collateral | 1 | $80,000 | $80,000 | $80,000 | $62,000 | $62,000 |
| Employment History | 1 | $1,723,000 | $1,723,000 | $1,723,000 | $548,000 | $548,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Seaside National Bank & Trust's 2010 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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