Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Seaside National Bank & Trust of Orlando, FL reported 140 mortgage applications totaling $60.7 million, down 40% from 2016. The average application was for $433,885, and applicants reported an average income of $267,085. 59% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (44), West Palm Beach-Boca Raton-Delray Beach, FL (24) and Miami-Miami Beach-Kendall, FL (20) (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 | 140 |
| Total Mortgage Loan Application Amount | $60,744,000 |
| Average Mortgage Loan Application Amount | $433,885 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $267,085 |
| Highest Applicant Income | $2,448,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 82 | $39,350,000 | $479,000 | $1,797,000 | $248,000 | $2,140,000 |
| Refinancing | 48 | $18,314,000 | $381,000 | $2,000,000 | $297,000 | $2,448,000 |
| Home Improvement | 10 | $3,080,000 | $308,000 | $1,500,000 | $280,000 | $644,000 |
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 | 85 | $33,410,000 | $393,000 | $1,500,000 | $328,000 | $2,448,000 |
| Not Provided | 32 | $20,444,000 | $638,000 | $2,000,000 | $243,000 | $683,000 |
| Not applicable | 15 | $4,087,000 | $272,000 | $1,320,000 | $23,000 | $80,000 |
| Hispanic | 6 | $2,191,000 | $365,000 | $980,000 | $201,000 | $392,000 |
| Asian | 1 | $388,000 | $388,000 | $388,000 | $106,000 | $106,000 |
| Black or African American | 1 | $224,000 | $224,000 | $224,000 | $66,000 | $66,000 |
| 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) | 134 | $59,587,000 | $444,000 | $2,000,000 | $276,000 | $2,448,000 |
| FHA-insured (Federal Housing Administration) | 5 | $969,000 | $193,000 | $275,000 | $50,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 1 | $188,000 | $188,000 | $188,000 | $128,000 | $128,000 |
| 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 | 82 | $37,481,000 | $457,000 | $2,000,000 | $344,000 | $2,448,000 |
| Application Denied By Financial Institution | 26 | $13,496,000 | $519,000 | $1,430,000 | $182,000 | $370,000 |
| Application Withdrawn By Applicant | 15 | $6,305,000 | $420,000 | $805,000 | $185,000 | $416,000 |
| Loan Purchased By The Institution | 13 | $1,500,000 | $115,000 | $188,000 | $43,000 | $128,000 |
| Application Approved But Not Accepted | 3 | $1,172,000 | $390,000 | $567,000 | $129,000 | $185,000 |
| File Closed For Incompleteness | 1 | $790,000 | $790,000 | $790,000 | $683,000 | $683,000 |
| 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 | 14 | $7,978,000 | $569,000 | $1,430,000 | $165,000 | $280,000 |
| Collateral | 4 | $1,273,000 | $318,000 | $596,000 | $191,000 | $370,000 |
| Credit History | 4 | $1,256,000 | $314,000 | $403,000 | $125,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,955,000 | $977,000 | $980,000 | $282,000 | $312,000 |
| Other | 2 | $1,034,000 | $517,000 | $805,000 | $308,000 | $338,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Seaside National Bank & Trust's 2017 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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