Finemark National Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Finemark National Bank & Trust of Fort Myers, FL reported 87 mortgage applications totaling $37.0 million, up 98% from 2008. The average application was for $425,333, and applicants reported an average income of $332,781. 82% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cape Coral-Fort Myers, FL (74), Naples-Marco Island, FL (9) and Charleston-North Charleston-Summerville, SC (1) (applications in parentheses).
| Mortgage Company & Address | Finemark National Bank & Trust 12681 Creekside Lane Fort Myers, FL 33919 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 87 |
| Total Mortgage Loan Application Amount | $37,004,000 |
| Average Mortgage Loan Application Amount | $425,333 |
| Highest Mortgage Loan Application Amount | $3,180,000 |
| Average Applicant Income | $332,781 |
| Highest Applicant Income | $3,323,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Finemark National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Finemark National Bank & Trust in 2009
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 | 52 | $24,466,000 | $470,000 | $3,180,000 | $349,000 | $3,323,000 |
| Refinancing | 31 | $11,152,000 | $359,000 | $900,000 | $316,000 | $2,641,000 |
| Home Improvement | 4 | $1,386,000 | $346,000 | $704,000 | $252,000 | $360,000 |
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 | 65 | $27,571,000 | $424,000 | $3,180,000 | $394,000 | $3,323,000 |
| Not applicable | 13 | $4,510,000 | $346,000 | $2,000,000 | $0 | $0 |
| Black or African American | 3 | $483,000 | $161,000 | $372,000 | $124,000 | $315,000 |
| Hispanic | 3 | $284,000 | $94,000 | $97,000 | $269,000 | $753,000 |
| Asian | 2 | $3,820,000 | $1,910,000 | $2,720,000 | $922,000 | $996,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $336,000 | $336,000 | $336,000 | $330,000 | $330,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 87 | $37,004,000 | $425,000 | $3,180,000 | $333,000 | $3,323,000 |
| 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 | 71 | $30,840,000 | $434,000 | $3,180,000 | $313,000 | $3,323,000 |
| Application Withdrawn By Applicant | 10 | $5,356,000 | $535,000 | $1,400,000 | $640,000 | $2,800,000 |
| Loan Purchased By The Institution | 4 | $298,000 | $74,000 | $97,000 | $28,000 | $31,000 |
| Application Denied By Financial Institution | 2 | $510,000 | $255,000 | $370,000 | $113,000 | $120,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2 | $510,000 | $255,000 | $370,000 | $113,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Finemark National Bank & Trust's 2009 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 Finemark 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.
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