Seaside National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Seaside National Bank & Trust of Orlando, FL reported 71 mortgage applications totaling $40.3 million, down 49% from 2017. The average application was for $567,112, and applicants reported an average income of $440,149. 63% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (26), Miami-Miami Beach-Kendall, FL (12) and Tampa-St. Petersburg-Clearwater, FL (9) (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 | 71 |
| Total Mortgage Loan Application Amount | $40,265,000 |
| Average Mortgage Loan Application Amount | $567,112 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $440,149 |
| Highest Applicant Income | $3,971,000 |
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records Seaside National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 45 | $30,895,000 | $686,000 | $2,805,000 | $569,000 | $3,971,000 |
| Cash-out Refinancing | 9 | $2,785,000 | $309,000 | $705,000 | $101,000 | $132,000 |
| Other Purpose | 5 | $1,275,000 | $255,000 | $395,000 | $136,000 | $214,000 |
| Refinancing | 5 | $2,065,000 | $413,000 | $1,005,000 | $263,000 | $378,000 |
| Not Applicable | 4 | $430,000 | $107,000 | $165,000 | $0 | $0 |
| Home Improvement | 3 | $2,815,000 | $938,000 | $2,505,000 | $327,000 | $585,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 35 | $19,795,000 | $565,000 | $2,005,000 | $452,000 | $3,971,000 |
| Not applicable | 16 | $7,130,000 | $445,000 | $2,505,000 | $0 | $0 |
| White | 15 | $9,545,000 | $636,000 | $2,805,000 | $569,000 | $2,310,000 |
| Hispanic | 4 | $3,580,000 | $895,000 | $2,005,000 | $166,000 | $265,000 |
| Black or African American | 1 | $215,000 | $215,000 | $215,000 | $392,000 | $392,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 71 | $40,265,000 | $567,000 | $2,805,000 | $461,000 | $3,971,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 45 | $23,355,000 | $519,000 | $2,805,000 | $301,000 | $1,489,000 |
| Loan Purchased By The Institution | 10 | $1,260,000 | $126,000 | $335,000 | $0 | $0 |
| Application Withdrawn By Applicant | 9 | $9,455,000 | $1,050,000 | $2,505,000 | $1,572,000 | $3,971,000 |
| Application Denied By Financial Institution | 5 | $4,135,000 | $827,000 | $2,005,000 | $153,000 | $225,000 |
| Application Approved But Not Accepted | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $333,000 | $333,000 |
| File Closed For Incompleteness | 1 | $1,055,000 | $1,055,000 | $1,055,000 | $428,000 | $428,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 66 | $36,130,000 | $547,000 | $2,805,000 | $486,000 | $3,971,000 |
| Debt-To-Income Ratio | 3 | $3,245,000 | $1,081,000 | $2,005,000 | $166,000 | $225,000 |
| Credit History | 2 | $890,000 | $445,000 | $505,000 | $115,000 | $115,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2018 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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