Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Seaside National Bank & Trust of Orlando, FL reported 252 mortgage applications totaling $92.1 million, down 10% from 2012. The average application was for $365,523, and applicants reported an average income of $225,841. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (91), Jacksonville, FL (37) and West Palm Beach-Boca Raton-Boynton Beach, FL (36) (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 | 252 |
| Total Mortgage Loan Application Amount | $92,112,000 |
| Average Mortgage Loan Application Amount | $365,523 |
| Highest Mortgage Loan Application Amount | $2,359,000 |
| Average Applicant Income | $225,841 |
| Highest Applicant Income | $5,093,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 150 | $60,707,000 | $404,000 | $2,359,000 | $222,000 | $5,093,000 |
| Refinancing | 98 | $31,005,000 | $316,000 | $1,422,000 | $236,000 | $3,061,000 |
| Home Improvement | 4 | $400,000 | $100,000 | $250,000 | $121,000 | $187,000 |
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 | 191 | $71,379,000 | $373,000 | $2,359,000 | $248,000 | $5,093,000 |
| Not Provided | 24 | $8,836,000 | $368,000 | $1,000,000 | $169,000 | $683,000 |
| Hispanic | 20 | $7,220,000 | $361,000 | $750,000 | $200,000 | $537,000 |
| Asian | 9 | $2,748,000 | $305,000 | $626,000 | $138,000 | $275,000 |
| Not applicable | 5 | $1,644,000 | $328,000 | $700,000 | $0 | $0 |
| Black or African American | 3 | $285,000 | $95,000 | $120,000 | $65,000 | $104,000 |
| 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) | 237 | $89,507,000 | $377,000 | $2,359,000 | $237,000 | $5,093,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,605,000 | $173,000 | $360,000 | $47,000 | $120,000 |
| 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 | 188 | $68,733,000 | $365,000 | $1,422,000 | $241,000 | $5,093,000 |
| Application Denied By Financial Institution | 32 | $10,906,000 | $340,000 | $1,475,000 | $161,000 | $918,000 |
| Application Approved But Not Accepted | 16 | $8,294,000 | $518,000 | $2,359,000 | $212,000 | $947,000 |
| Application Withdrawn By Applicant | 9 | $3,187,000 | $354,000 | $750,000 | $278,000 | $537,000 |
| Loan Purchased By The Institution | 5 | $542,000 | $108,000 | $162,000 | $57,000 | $120,000 |
| File Closed For Incompleteness | 2 | $450,000 | $225,000 | $250,000 | $102,000 | $116,000 |
| 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 | 13 | $3,979,000 | $306,000 | $500,000 | $87,000 | $233,000 |
| Collateral | 9 | $1,568,000 | $174,000 | $380,000 | $93,000 | $244,000 |
| Credit History | 5 | $2,692,000 | $538,000 | $1,108,000 | $389,000 | $918,000 |
| Unverifiable Information | 2 | $464,000 | $232,000 | $320,000 | $202,000 | $351,000 |
| Other | 1 | $581,000 | $581,000 | $581,000 | $199,000 | $199,000 |
| Employment History | 1 | $147,000 | $147,000 | $147,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,475,000 | $1,475,000 | $1,475,000 | $563,000 | $563,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Seaside National Bank & Trust's 2013 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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