Finemark National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Finemark National Bank & Trust of Fort Myers, FL reported 349 mortgage applications totaling $229.7 million, down 14% from 2017. The average application was for $658,209, and applicants reported an average income of $474,848. 88% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Naples-Immokalee-Marco Island, FL (105), Cape Coral-Fort Myers, FL (87) and Phoenix-Mesa-Scottsdale, AZ (52) (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 | 349 |
| Total Mortgage Loan Application Amount | $229,715,000 |
| Average Mortgage Loan Application Amount | $658,209 |
| Highest Mortgage Loan Application Amount | $7,125,000 |
| Average Applicant Income | $474,848 |
| Highest Applicant Income | $9,545,000 |
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records Finemark National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 290 | $193,190,000 | $666,000 | $7,125,000 | $508,000 | $9,545,000 |
| Refinancing | 38 | $28,180,000 | $741,000 | $5,605,000 | $360,000 | $1,333,000 |
| Other Purpose | 9 | $3,135,000 | $348,000 | $755,000 | $174,000 | $383,000 |
| Cash-out Refinancing | 6 | $2,610,000 | $435,000 | $845,000 | $267,000 | $394,000 |
| Home Improvement | 6 | $2,600,000 | $433,000 | $1,085,000 | $259,000 | $547,000 |
| Not Applicable | 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 | 267 | $175,655,000 | $657,000 | $7,125,000 | $490,000 | $9,545,000 |
| Not applicable | 40 | $26,230,000 | $655,000 | $5,005,000 | $0 | $0 |
| Not Provided | 18 | $11,570,000 | $642,000 | $3,425,000 | $413,000 | $1,721,000 |
| Hispanic | 14 | $7,130,000 | $509,000 | $2,825,000 | $261,000 | $911,000 |
| Black or African American | 6 | $7,700,000 | $1,283,000 | $2,855,000 | $672,000 | $1,751,000 |
| Asian | 4 | $1,430,000 | $357,000 | $705,000 | $195,000 | $403,000 |
| 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) | 349 | $229,715,000 | $658,000 | $7,125,000 | $477,000 | $9,545,000 |
| 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 | 306 | $206,310,000 | $674,000 | $7,125,000 | $508,000 | $9,545,000 |
| Application Approved But Not Accepted | 23 | $14,685,000 | $638,000 | $2,005,000 | $353,000 | $1,449,000 |
| Application Withdrawn By Applicant | 15 | $7,535,000 | $502,000 | $2,005,000 | $253,000 | $783,000 |
| Application Denied By Financial Institution | 5 | $1,185,000 | $237,000 | $375,000 | $76,000 | $188,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 344 | $228,530,000 | $664,000 | $7,125,000 | $484,000 | $9,545,000 |
| Debt-To-Income Ratio | 4 | $930,000 | $232,000 | $375,000 | $72,000 | $188,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Finemark National Bank & Trust's 2018 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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