Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Seaside National Bank & Trust of Orlando, FL reported 194 mortgage applications totaling $107.7 million, down 23% from 2013. The average application was for $554,953, and applicants reported an average income of $359,850. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (66), Miami-Miami Beach-Kendall, FL (32) and West Palm Beach-Boca Raton-Delray Beach, FL (25) (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 | 194 |
| Total Mortgage Loan Application Amount | $107,661,000 |
| Average Mortgage Loan Application Amount | $554,953 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $359,850 |
| Highest Applicant Income | $6,336,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 129 | $78,444,000 | $608,000 | $13,000,000 | $412,000 | $6,336,000 |
| Refinancing | 63 | $24,682,000 | $391,000 | $2,000,000 | $261,000 | $1,503,000 |
| Home Improvement | 2 | $4,535,000 | $2,267,000 | $4,500,000 | $110,000 | $221,000 |
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 | 132 | $73,844,000 | $559,000 | $13,000,000 | $366,000 | $6,090,000 |
| Not Provided | 27 | $12,486,000 | $462,000 | $1,500,000 | $477,000 | $6,336,000 |
| Hispanic | 20 | $12,579,000 | $628,000 | $2,000,000 | $325,000 | $1,499,000 |
| Not applicable | 9 | $6,522,000 | $724,000 | $4,500,000 | $0 | $0 |
| Asian | 4 | $1,762,000 | $440,000 | $840,000 | $499,000 | $1,200,000 |
| Black or African American | 2 | $468,000 | $234,000 | $344,000 | $98,000 | $103,000 |
| 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) | 185 | $105,839,000 | $572,000 | $13,000,000 | $375,000 | $6,336,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,822,000 | $202,000 | $344,000 | $67,000 | $103,000 |
| 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 | 145 | $63,040,000 | $434,000 | $2,000,000 | $352,000 | $6,336,000 |
| Application Denied By Financial Institution | 24 | $12,983,000 | $540,000 | $2,000,000 | $338,000 | $1,499,000 |
| Application Approved But Not Accepted | 11 | $16,926,000 | $1,538,000 | $13,000,000 | $408,000 | $3,064,000 |
| Application Withdrawn By Applicant | 10 | $9,187,000 | $918,000 | $2,000,000 | $566,000 | $1,503,000 |
| File Closed For Incompleteness | 2 | $5,300,000 | $2,650,000 | $4,500,000 | $261,000 | $522,000 |
| Loan Purchased By The Institution | 2 | $225,000 | $112,000 | $128,000 | $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 | 13 | $5,882,000 | $452,000 | $1,295,000 | $137,000 | $240,000 |
| Collateral | 5 | $3,023,000 | $604,000 | $1,256,000 | $506,000 | $1,499,000 |
| Credit History | 4 | $2,005,000 | $501,000 | $798,000 | $611,000 | $1,200,000 |
| Other | 1 | $73,000 | $73,000 | $73,000 | $180,000 | $180,000 |
| Unverifiable Information | 1 | $2,000,000 | $2,000,000 | $2,000,000 | $1,176,000 | $1,176,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2014 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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