Fieldpoint Private Bank & Trus Mortgage Lending & HMDA Data, 2010
In 2010, Fieldpoint Private Bank & Trus of Greenwich, CT reported 116 mortgage applications totaling $197.8 million, up 36% from 2009. The average application was for $1,705,275, and applicants reported an average income of $904,465. 66% of its applications resulted in an originated loan and 16% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (51), Bridgeport-Stamford-Norwalk, CT (45) and Nassau-Suffolk, NY (8) (applications in parentheses).
| Mortgage Company & Address | Fieldpoint Private Bank & Trus 100 Field Point Road Greenwich, CT 06830 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 116 |
| Total Mortgage Loan Application Amount | $197,812,000 |
| Average Mortgage Loan Application Amount | $1,705,275 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $904,465 |
| Highest Applicant Income | $6,007,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fieldpoint Private Bank & Trus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield, Connecticut | 45 | $ 61,882,000 | $ 1,375,155 | $ 766,000 |
| New York, New York | 41 | $ 83,384,000 | $ 2,033,756 | $ 939,000 |
| Suffolk, New York | 8 | $ 20,573,000 | $ 2,571,625 | $ 686,000 |
| Westchester, New York | 7 | $ 11,990,000 | $ 1,712,857 | $ 1,987,000 |
| Palm Beach, Florida | 2 | $ 4,415,000 | $ 2,207,500 | $ 1,796,000 |
| Nantucket, Massachusetts | 2 | $ 2,799,000 | $ 1,399,500 | $ 914,000 |
| Essex, New York | 2 | $ 1,400,000 | $ 700,000 | $ 0 |
| Kings, New York | 2 | $ 1,479,000 | $ 739,500 | $ 440,000 |
| San Francisco, California | 1 | $ 645,000 | $ 645,000 | $ 761,000 |
| Bergen, New Jersey | 1 | $ 1,745,000 | $ 1,745,000 | $ 933,000 |
| Essex, New Jersey | 1 | $ 1,060,000 | $ 1,060,000 | $ 1,000,000 |
| Mercer, New Jersey | 1 | $ 2,940,000 | $ 2,940,000 | $ 1,000,000 |
| Monmouth, New Jersey | 1 | $ 1,150,000 | $ 1,150,000 | $ 534,000 |
| Ocean, New Jersey | 1 | $ 1,875,000 | $ 1,875,000 | $ 1,496,000 |
| Washington, Rhode Island | 1 | $ 475,000 | $ 475,000 | $ 563,000 |
Mortgage Loan Application Detail Totals for Fieldpoint Private Bank & Trus in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 61 | $92,606,000 | $1,518,000 | $5,000,000 | $851,000 | $6,007,000 |
| Home Purchase | 53 | $103,656,000 | $1,955,000 | $4,900,000 | $979,000 | $2,443,000 |
| Home Improvement | 2 | $1,550,000 | $775,000 | $800,000 | $560,000 | $629,000 |
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 | 97 | $157,834,000 | $1,627,000 | $5,000,000 | $1,001,000 | $6,007,000 |
| Not applicable | 10 | $26,055,000 | $2,605,000 | $4,900,000 | $0 | $0 |
| Asian | 4 | $5,787,000 | $1,446,000 | $2,000,000 | $925,000 | $1,237,000 |
| Hispanic | 4 | $7,496,000 | $1,874,000 | $2,348,000 | $1,014,000 | $1,404,000 |
| Black or African American | 1 | $640,000 | $640,000 | $640,000 | $131,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 116 | $197,812,000 | $1,705,000 | $5,000,000 | $905,000 | $6,007,000 |
| 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 | 77 | $126,288,000 | $1,640,000 | $4,900,000 | $850,000 | $2,970,000 |
| Application Denied By Financial Institution | 19 | $31,459,000 | $1,655,000 | $5,000,000 | $984,000 | $6,007,000 |
| Application Approved But Not Accepted | 17 | $30,705,000 | $1,806,000 | $4,620,000 | $1,018,000 | $2,234,000 |
| Application Withdrawn By Applicant | 2 | $7,150,000 | $3,575,000 | $4,875,000 | $1,194,000 | $1,937,000 |
| File Closed For Incompleteness | 1 | $2,210,000 | $2,210,000 | $2,210,000 | $1,150,000 | $1,150,000 |
| 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 | 14 | $21,669,000 | $1,547,000 | $3,050,000 | $1,057,000 | $6,007,000 |
| Debt-To-Income Ratio | 4 | $9,140,000 | $2,285,000 | $5,000,000 | $895,000 | $1,225,000 |
| Other | 1 | $650,000 | $650,000 | $650,000 | $322,000 | $322,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 Fieldpoint Private Bank & Trus's 2010 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 Fieldpoint Private Bank & Trus'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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with aggregated HMDA statistics today.
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