Fieldpoint Private Bank & Trus Mortgage Lending & HMDA Data, 2013
In 2013, Fieldpoint Private Bank & Trus of Greenwich, CT reported 124 mortgage applications totaling $193.3 million, up 13% from 2012. The average application was for $1,559,032, and applicants reported an average income of $1,278,451. 48% of its applications resulted in an originated loan and 13% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (56), Bridgeport-Stamford-Norwalk, CT (35) and Nassau-Suffolk, NY (6) (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 | 124 |
| Total Mortgage Loan Application Amount | $193,320,000 |
| Average Mortgage Loan Application Amount | $1,559,032 |
| Highest Mortgage Loan Application Amount | $10,277,000 |
| Average Applicant Income | $1,278,451 |
| 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records Fieldpoint Private Bank & Trus filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 88 | $149,146,000 | $1,694,000 | $10,277,000 | $1,295,000 | $9,999,000 |
| Home Purchase | 36 | $44,174,000 | $1,227,000 | $5,160,000 | $1,238,000 | $9,999,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 54 | $88,455,000 | $1,638,000 | $10,277,000 | $1,904,000 | $9,999,000 |
| Not applicable | 41 | $36,117,000 | $880,000 | $4,800,000 | $98,000 | $4,040,000 |
| Not Provided | 26 | $60,897,000 | $2,342,000 | $10,000,000 | $1,870,000 | $7,076,000 |
| Hispanic | 2 | $7,493,000 | $3,746,000 | $4,000,000 | $1,323,000 | $1,392,000 |
| Asian | 1 | $358,000 | $358,000 | $358,000 | $371,000 | $371,000 |
| 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) | 124 | $193,320,000 | $1,559,000 | $10,277,000 | $1,278,000 | $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 | 59 | $92,373,000 | $1,565,000 | $6,300,000 | $1,306,000 | $7,075,000 |
| Loan Purchased By The Institution | 29 | $20,467,000 | $705,000 | $1,910,000 | $0 | $0 |
| Application Denied By Financial Institution | 16 | $32,087,000 | $2,005,000 | $6,000,000 | $1,769,000 | $9,999,000 |
| Application Approved But Not Accepted | 13 | $37,910,000 | $2,916,000 | $10,277,000 | $2,682,000 | $9,999,000 |
| Application Withdrawn By Applicant | 6 | $9,483,000 | $1,580,000 | $5,460,000 | $2,990,000 | $9,999,000 |
| File Closed For Incompleteness | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $336,000 | $336,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $28,104,000 | $2,554,000 | $6,000,000 | $1,501,000 | $6,300,000 |
| Credit History | 2 | $2,033,000 | $1,016,000 | $1,050,000 | $5,126,000 | $9,999,000 |
| Debt-To-Income Ratio | 2 | $1,357,000 | $678,000 | $1,092,000 | $664,000 | $1,142,000 |
| Unverifiable Information | 1 | $593,000 | $593,000 | $593,000 | $225,000 | $225,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fieldpoint Private Bank & Trus's 2013 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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