Finemark National Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Finemark National Bank & Trust of Fort Myers, FL reported 329 mortgage applications totaling $296.2 million, down 31% from 2022. The average application was for $900,288, and applicants reported an average income of $552,702. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cape Coral-Fort Myers, FL (89), Naples-Immokalee-Marco Island, FL (67) and Phoenix-Mesa-Scottsdale, AZ (62) (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 | 329 |
| Total Mortgage Loan Application Amount | $296,195,000 |
| Average Mortgage Loan Application Amount | $900,288 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $552,702 |
| Highest Applicant Income | $8,993,000 |
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records Finemark National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 295 | $266,375,000 | $902,000 | $7,005,000 | $529,000 | $4,036,000 |
| Other Purpose | 17 | $9,705,000 | $570,000 | $2,205,000 | $488,000 | $1,448,000 |
| Home Improvement | 10 | $13,150,000 | $1,315,000 | $6,405,000 | $1,425,000 | $8,993,000 |
| Cash-out Refinancing | 4 | $2,500,000 | $625,000 | $1,505,000 | $388,000 | $516,000 |
| Refinancing | 3 | $4,465,000 | $1,488,000 | $3,005,000 | $562,000 | $562,000 |
| 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 | 200 | $207,380,000 | $1,036,000 | $7,005,000 | $703,000 | $8,993,000 |
| Not applicable | 45 | $47,515,000 | $1,055,000 | $4,905,000 | $0 | $0 |
| Black or African American | 32 | $7,940,000 | $248,000 | $1,655,000 | $90,000 | $881,000 |
| Hispanic | 28 | $11,260,000 | $402,000 | $2,335,000 | $217,000 | $1,750,000 |
| Not Provided | 12 | $12,000,000 | $1,000,000 | $2,455,000 | $413,000 | $936,000 |
| Asian | 5 | $4,835,000 | $967,000 | $2,205,000 | $478,000 | $1,285,000 |
| American Indian or Alaskan Native | 4 | $1,790,000 | $447,000 | $1,045,000 | $317,000 | $1,028,000 |
| 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) | 329 | $296,195,000 | $900,000 | $7,005,000 | $553,000 | $8,993,000 |
| 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 | 260 | $251,240,000 | $966,000 | $7,005,000 | $621,000 | $8,993,000 |
| Loan Purchased By The Institution | 27 | $2,955,000 | $109,000 | $195,000 | $38,000 | $76,000 |
| Application Withdrawn By Applicant | 20 | $22,070,000 | $1,103,000 | $2,405,000 | $714,000 | $2,693,000 |
| Application Approved But Not Accepted | 13 | $8,865,000 | $681,000 | $2,205,000 | $561,000 | $1,285,000 |
| Application Denied By Financial Institution | 9 | $11,065,000 | $1,229,000 | $5,505,000 | $218,000 | $651,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 320 | $285,130,000 | $891,000 | $7,005,000 | $562,000 | $8,993,000 |
| Debt-To-Income Ratio | 6 | $3,670,000 | $611,000 | $1,145,000 | $264,000 | $651,000 |
| Collateral | 1 | $1,685,000 | $1,685,000 | $1,685,000 | $343,000 | $343,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $5,505,000 | $5,505,000 | $5,505,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Finemark National Bank & Trust's 2023 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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