Finemark National Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Finemark National Bank & Trust of Fort Myers, FL reported 275 mortgage applications totaling $144.8 million, down 5% from 2013. The average application was for $526,629, and applicants reported an average income of $415,181. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cape Coral-Fort Myers, FL (125), Phoenix-Mesa-Scottsdale, AZ (55) and Naples-Immokalee-Marco Island, FL (48) (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 | 275 |
| Total Mortgage Loan Application Amount | $144,823,000 |
| Average Mortgage Loan Application Amount | $526,629 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $415,181 |
| Highest Applicant Income | $9,999,000 |
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records Finemark National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 220 | $122,693,000 | $557,000 | $13,000,000 | $443,000 | $9,999,000 |
| Refinancing | 53 | $21,988,000 | $414,000 | $3,000,000 | $311,000 | $2,865,000 |
| Home Improvement | 2 | $142,000 | $71,000 | $104,000 | $116,000 | $147,000 |
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 | 212 | $118,337,000 | $558,000 | $13,000,000 | $375,000 | $5,435,000 |
| Not applicable | 31 | $14,695,000 | $474,000 | $4,500,000 | $89,000 | $1,927,000 |
| Hispanic | 17 | $6,677,000 | $392,000 | $2,900,000 | $466,000 | $1,670,000 |
| Asian | 9 | $4,259,000 | $473,000 | $1,100,000 | $2,557,000 | $9,999,000 |
| Black or African American | 6 | $855,000 | $142,000 | $315,000 | $168,000 | $912,000 |
| 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) | 275 | $144,823,000 | $526,000 | $13,000,000 | $415,000 | $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 | 238 | $132,099,000 | $555,000 | $13,000,000 | $452,000 | $9,999,000 |
| Loan Purchased By The Institution | 14 | $1,604,000 | $114,000 | $134,000 | $21,000 | $32,000 |
| Application Approved But Not Accepted | 11 | $6,489,000 | $589,000 | $2,480,000 | $382,000 | $909,000 |
| Application Denied By Financial Institution | 10 | $4,165,000 | $416,000 | $1,760,000 | $191,000 | $468,000 |
| Application Withdrawn By Applicant | 1 | $400,000 | $400,000 | $400,000 | $133,000 | $133,000 |
| File Closed For Incompleteness | 1 | $66,000 | $66,000 | $66,000 | $42,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 6 | $2,938,000 | $489,000 | $1,760,000 | $136,000 | $284,000 |
| Credit History | 2 | $580,000 | $290,000 | $500,000 | $262,000 | $468,000 |
| Collateral | 1 | $517,000 | $517,000 | $517,000 | $439,000 | $439,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $130,000 | $130,000 | $130,000 | $132,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Finemark National Bank & Trust's 2014 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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