Seaside National Bank & Trust Mortgage Rates, Fees & Info

Orlando, FL

LEI: D8SFNSSIDZMKUS9I1S65

Tax ID: 20-3341252

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Seaside National Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Seaside National Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Miami, Orlando, Tampa, North Port, and Palm Bay among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Seaside National Bank & Trust has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    38

    Origination Dollar Volume (All Markets)

    $22,970,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $11,935,000 $918,077 $0 0.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $5,390,000 $449,167 $0 0.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $1,835,000 $1,835,000 $0 0.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $870,000 $435,000 $0 0.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $830,000 $415,000 $0 0.00%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $650,000 $325,000 $0 0.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $0 0.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $485,000 $485,000 $0 0.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Seaside National Bank & Trust's top markets include Miami, Orlando, Tampa, North Port, and Palm Bay among others.

    Their top states include:
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 38 $22,970,000 $604,474 $0 0.00%

    For 2020, Seaside National Bank & Trust's most frequently originated type of loan was Conventional, with 38 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17 $12,615,000 $742,059 $0 0.00%
    Refi 17 $8,495,000 $499,706 $0 0.00%
    Cash Out Refi 4 $1,860,000 $465,000 $0 0.00%

    For 2020, Seaside National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 17 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 38 $22,970,000 $604,474 $0 0.00%

    For 2020, Seaside National Bank & Trust's most frequently cited loan duration was Other, with 38 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 13 $3,965,000 $305,000 $0 0.00%
    $100k-200k 8 $1,310,000 $163,750 $0 0.00%
    $400k-600k 8 $3,750,000 $468,750 $0 0.00%
    $600k-1MM 5 $3,635,000 $727,000 $0 0.00%
    $1MM+ 4 $10,310,000 $2,577,500 $0 0.00%

    2020 saw Seaside National Bank & Trust place emphasis on $200k-400k loans with 13 originations, totaling $3,965,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 20 $14,290,000 $714,500 $0 0.00%
    $150k-250k 6 $1,980,000 $330,000 $0 0.00%
    $100k-150k 1 $365,000 $365,000 $0 0.00%
    $50k-75k 1 $175,000 $175,000 $0 0.00%
    $50k or less 1 $175,000 $175,000 $0 0.00%
    $75k-100k 1 $205,000 $205,000 $0 0.00%

    Seaside National Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 20 originations. The second most popular income band? $150k-250k, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 38 $22,970,000 $604,474 $0 0.00%

    Seaside National Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 38 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 29 $16,215,000 $559,138 $0 0.00%
    Not applicable 6 $5,240,000 $873,333 $0 0.00%
    White 3 $1,515,000 $505,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.27%

    Seaside National Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.11%

    Seaside National Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 38 $22,970,000 $604,474

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 4 $4,790,000 $1,197,500
    Single Family (1-4 Units):Site-Built 34 $18,180,000 $534,706

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Seaside National Bank & Trust 100 Colonial Center Parkway Lake Mary, FL 32746 Full Service B&M $86,429
    Seaside National Bank & Trust 1800 North Military Trail, Suite 100 Boca Raton, FL 33431 Full Service B&M $60,967
    Seaside National Bank & Trust 1999 Main Street Sarasota, FL 34236 Full Service B&M $71,427
    Seaside National Bank & Trust 201 South Orange Avenue, Suite 1350 Orlando, FL 32801 Full Service B&M $615,062
    Seaside National Bank & Trust 2222 Ponde De Leon Blvd, Suite 101 Coral Gables, FL 33134 Full Service B&M $179,185
    Seaside National Bank & Trust 3001 Tamiami Trail North Naples, FL 34103 Full Service B&M $11,266
    Seaside National Bank & Trust 309 Southeast Osceola Street, Suite 106 Stuart, FL 34994 Full Service B&M $27,163
    Seaside National Bank & Trust 420 Royal Palm Way, Suite 200 Palm Beach, FL 33480 Full Service B&M $15,768
    Seaside National Bank & Trust 4290 Professional Center Drive, Ste 201 Palm Beach Gardens, FL 33410 Full Service B&M $151,021
    Seaside National Bank & Trust 450 East Las Olas Blvd Suite 150 Fort Lauderdale, FL 33301 Full Service B&M $91,959
    Seaside National Bank & Trust 4705 South Apopka Vineland Road, Suite 120 Orlando, FL 32819 Full Service B&M $127,493
    Seaside National Bank & Trust 5426 Bay Center Drive Tampa, FL 33609 Full Service B&M $86,480
    Seaside National Bank & Trust 700 West Morse Blvd., Suite 100 Winter Park, FL 32789 Full Service B&M $195,307
    Seaside National Bank & Trust 820 North Highway A1a, Suite E-11 Ponte Vedra Beach, FL 32082 Full Service B&M $91,748

    For 2020, Seaside National Bank & Trust had 14 branches.

    Yearly Performance Overview