Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Seaside National Bank & Trust of Orlando, FL reported 281 mortgage applications totaling $137.0 million, up 45% from 2014. The average application was for $487,548, and applicants reported an average income of $264,423. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (82), Miami-Miami Beach-Kendall, FL (47) and West Palm Beach-Boca Raton-Delray Beach, FL (35) (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 | $137,001,000 |
| Average Mortgage Loan Application Amount | $487,548 |
| Highest Mortgage Loan Application Amount | $3,948,000 |
| Average Applicant Income | $264,423 |
| Highest Applicant Income | $3,285,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 196 | $100,216,000 | $511,000 | $3,948,000 | $292,000 | $3,285,000 |
| Refinancing | 82 | $36,160,000 | $440,000 | $2,200,000 | $199,000 | $1,200,000 |
| Home Improvement | 3 | $625,000 | $208,000 | $250,000 | $251,000 | $656,000 |
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 | 201 | $87,824,000 | $436,000 | $2,500,000 | $231,000 | $1,248,000 |
| Not Provided | 45 | $27,915,000 | $620,000 | $2,150,000 | $409,000 | $3,285,000 |
| Hispanic | 25 | $12,242,000 | $489,000 | $2,200,000 | $293,000 | $1,200,000 |
| Not applicable | 5 | $2,975,000 | $595,000 | $1,800,000 | $0 | $0 |
| Asian | 3 | $1,715,000 | $571,000 | $1,160,000 | $215,000 | $283,000 |
| Black or African American | 2 | $4,330,000 | $2,165,000 | $3,948,000 | $834,000 | $978,000 |
| 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) | 270 | $134,434,000 | $497,000 | $3,948,000 | $272,000 | $3,285,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,742,000 | $193,000 | $320,000 | $72,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 2 | $825,000 | $412,000 | $506,000 | $142,000 | $199,000 |
| 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 | 212 | $100,081,000 | $472,000 | $3,948,000 | $274,000 | $3,285,000 |
| Application Denied By Financial Institution | 33 | $16,930,000 | $513,000 | $2,200,000 | $222,000 | $807,000 |
| Application Withdrawn By Applicant | 25 | $12,950,000 | $518,000 | $1,800,000 | $244,000 | $1,068,000 |
| Application Approved But Not Accepted | 11 | $7,040,000 | $640,000 | $2,500,000 | $256,000 | $581,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 12 | $6,774,000 | $564,000 | $1,667,000 | $306,000 | $807,000 |
| Debt-To-Income Ratio | 9 | $5,378,000 | $597,000 | $2,200,000 | $186,000 | $590,000 |
| Credit History | 5 | $2,412,000 | $482,000 | $1,300,000 | $211,000 | $317,000 |
| Credit Application Incomplete | 2 | $1,435,000 | $717,000 | $1,160,000 | $176,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $316,000 | $158,000 | $190,000 | $103,000 | $153,000 |
| Other | 2 | $283,000 | $141,000 | $208,000 | $130,000 | $135,000 |
| Employment History | 1 | $332,000 | $332,000 | $332,000 | $121,000 | $121,000 |
| Unverifiable Information | 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 2015 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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