Finemark National Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Finemark National Bank & Trust of Fort Myers, FL reported 132 mortgage applications totaling $44.1 million, up 38% from 2010. The average application was for $334,325, and applicants reported an average income of $324,128. 87% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cape Coral-Fort Myers, FL (101), Phoenix-Mesa-Glendale, AZ (11) and Naples-Marco Island, FL (8) (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 | 132 |
| Total Mortgage Loan Application Amount | $44,131,000 |
| Average Mortgage Loan Application Amount | $334,325 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $324,128 |
| Highest Applicant Income | $6,950,000 |
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records Finemark National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 73 | $23,324,000 | $319,000 | $1,480,000 | $230,000 | $4,192,000 |
| Refinancing | 58 | $20,707,000 | $357,000 | $1,650,000 | $436,000 | $6,950,000 |
| Home Improvement | 1 | $100,000 | $100,000 | $100,000 | $707,000 | $707,000 |
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 | 81 | $29,614,000 | $365,000 | $1,650,000 | $429,000 | $4,192,000 |
| Not applicable | 42 | $10,865,000 | $258,000 | $1,480,000 | $8,000 | $125,000 |
| Black or African American | 4 | $1,582,000 | $395,000 | $1,475,000 | $1,780,000 | $6,950,000 |
| Hispanic | 3 | $860,000 | $286,000 | $754,000 | $89,000 | $198,000 |
| Asian | 1 | $360,000 | $360,000 | $360,000 | $102,000 | $102,000 |
| Not Provided | 1 | $850,000 | $850,000 | $850,000 | $188,000 | $188,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 132 | $44,131,000 | $334,000 | $1,650,000 | $324,000 | $6,950,000 |
| 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 | 115 | $35,587,000 | $309,000 | $1,465,000 | $273,000 | $4,192,000 |
| Application Withdrawn By Applicant | 12 | $5,945,000 | $495,000 | $1,650,000 | $925,000 | $6,950,000 |
| Application Denied By Financial Institution | 3 | $365,000 | $121,000 | $225,000 | $45,000 | $72,000 |
| File Closed For Incompleteness | 1 | $754,000 | $754,000 | $754,000 | $198,000 | $198,000 |
| Loan Purchased By The Institution | 1 | $1,480,000 | $1,480,000 | $1,480,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $325,000 | $162,000 | $225,000 | $52,000 | $72,000 |
| Other | 1 | $40,000 | $40,000 | $40,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 Finemark National Bank & Trust's 2011 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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