Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Seaside National Bank & Trust of Orlando, FL reported 281 mortgage applications totaling $105.0 million, up 50% from 2011. The average application was for $373,807, and applicants reported an average income of $205,811. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (105), Port St. Lucie, FL (50) and Jacksonville, FL (41) (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 | 281 |
| Total Mortgage Loan Application Amount | $105,040,000 |
| Average Mortgage Loan Application Amount | $373,807 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $205,811 |
| Highest Applicant Income | $2,509,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 159 | $61,673,000 | $387,000 | $6,000,000 | $187,000 | $1,594,000 |
| Refinancing | 117 | $41,737,000 | $356,000 | $3,600,000 | $235,000 | $2,509,000 |
| Home Improvement | 5 | $1,630,000 | $326,000 | $563,000 | $121,000 | $226,000 |
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 | 218 | $74,700,000 | $342,000 | $2,850,000 | $201,000 | $1,594,000 |
| Not Provided | 24 | $11,276,000 | $469,000 | $3,600,000 | $320,000 | $2,509,000 |
| Hispanic | 17 | $5,733,000 | $337,000 | $1,500,000 | $147,000 | $537,000 |
| Asian | 11 | $4,478,000 | $407,000 | $1,350,000 | $173,000 | $356,000 |
| Not applicable | 8 | $7,748,000 | $968,000 | $6,000,000 | $0 | $0 |
| Black or African American | 3 | $1,105,000 | $368,000 | $720,000 | $649,000 | $1,453,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 258 | $100,421,000 | $389,000 | $6,000,000 | $217,000 | $2,509,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,659,000 | $182,000 | $317,000 | $64,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 3 | $960,000 | $320,000 | $580,000 | $140,000 | $356,000 |
| 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 | 222 | $82,491,000 | $371,000 | $6,000,000 | $203,000 | $1,594,000 |
| Application Denied By Financial Institution | 31 | $10,566,000 | $340,000 | $1,500,000 | $138,000 | $490,000 |
| Application Approved But Not Accepted | 19 | $6,254,000 | $329,000 | $1,400,000 | $263,000 | $1,552,000 |
| Application Withdrawn By Applicant | 8 | $2,129,000 | $266,000 | $417,000 | $128,000 | $256,000 |
| File Closed For Incompleteness | 1 | $3,600,000 | $3,600,000 | $3,600,000 | $2,509,000 | $2,509,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 13 | $4,295,000 | $330,000 | $1,300,000 | $144,000 | $333,000 |
| Debt-To-Income Ratio | 9 | $3,488,000 | $387,000 | $1,500,000 | $105,000 | $369,000 |
| Employment History | 3 | $1,406,000 | $468,000 | $872,000 | $192,000 | $290,000 |
| Credit History | 3 | $550,000 | $183,000 | $244,000 | $59,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $600,000 | $600,000 | $600,000 | $192,000 | $192,000 |
| Other | 1 | $28,000 | $28,000 | $28,000 | $14,000 | $14,000 |
| Unverifiable Information | 1 | $199,000 | $199,000 | $199,000 | $490,000 | $490,000 |
| Credit Application Incomplete | 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 2012 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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