Fieldpoint Private Bank & Trus Mortgage Lending & HMDA Data, 2012
In 2012, Fieldpoint Private Bank & Trus of Greenwich, CT reported 110 mortgage applications totaling $193.1 million, up 57% from 2011. The average application was for $1,755,472, and applicants reported an average income of $1,437,254. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (42), Bridgeport-Stamford-Norwalk, CT (38) and Nassau-Suffolk, NY (5) (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 | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 110 |
| Total Mortgage Loan Application Amount | $193,102,000 |
| Average Mortgage Loan Application Amount | $1,755,472 |
| Highest Mortgage Loan Application Amount | $7,797,000 |
| Average Applicant Income | $1,437,254 |
| Highest Applicant Income | $9,999,000 |
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records Fieldpoint Private Bank & Trus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Fieldpoint Private Bank & Trus in 2012
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 | 69 | $108,886,000 | $1,578,000 | $5,500,000 | $1,314,000 | $9,999,000 |
| Home Purchase | 39 | $82,516,000 | $2,115,000 | $7,797,000 | $1,684,000 | $9,999,000 |
| Home Improvement | 2 | $1,700,000 | $850,000 | $1,000,000 | $878,000 | $916,000 |
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 | 83 | $137,018,000 | $1,650,000 | $6,600,000 | $1,460,000 | $9,999,000 |
| Not Provided | 13 | $28,767,000 | $2,212,000 | $7,797,000 | $2,224,000 | $9,999,000 |
| Hispanic | 7 | $8,057,000 | $1,151,000 | $3,000,000 | $1,113,000 | $3,695,000 |
| Not applicable | 6 | $18,900,000 | $3,150,000 | $5,500,000 | $0 | $0 |
| Asian | 1 | $360,000 | $360,000 | $360,000 | $207,000 | $207,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 110 | $193,102,000 | $1,755,000 | $7,797,000 | $1,437,000 | $9,999,000 |
| 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 | 75 | $131,636,000 | $1,755,000 | $6,600,000 | $1,460,000 | $9,999,000 |
| Application Approved But Not Accepted | 11 | $14,887,000 | $1,353,000 | $2,500,000 | $985,000 | $2,196,000 |
| Application Denied By Financial Institution | 11 | $20,662,000 | $1,878,000 | $4,410,000 | $1,428,000 | $4,875,000 |
| Application Withdrawn By Applicant | 10 | $19,737,000 | $1,973,000 | $7,797,000 | $1,925,000 | $8,852,000 |
| File Closed For Incompleteness | 3 | $6,180,000 | $2,060,000 | $2,945,000 | $943,000 | $1,847,000 |
| 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 | 8 | $16,740,000 | $2,092,000 | $4,410,000 | $1,796,000 | $4,875,000 |
| Debt-To-Income Ratio | 2 | $1,422,000 | $711,000 | $1,300,000 | $136,000 | $240,000 |
| Other | 1 | $2,500,000 | $2,500,000 | $2,500,000 | $1,071,000 | $1,071,000 |
| 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 2012 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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