Applications / Mortgage Analytics / Lenders / Florida / FineMark National Bank & Trust
Fort Myers, FL · National bank · OCC · $3.9 billion assets · 193 loans in 2025
FineMark National Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
193
loans originated, 2025
227
applications, 2025
26
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FineMark National Bank & Trust is a jumbo lender: 41.2% of its loans were larger than the conforming limit, against 2.0% at similar lenders.
Purchases were 87.6% of its loans. Its typical loan was $625,000, against $180,000 at similar lenders (national banks making between half and twice as many loans), larger than at more than nine in ten. Its 193 loans came to $204.2 million; the typical peer lent $55.3 million.
It made 193 loans, down 5% from 203, while similar lenders grew 5%. In 2021 it made 500. Its denial rate on home-purchase applications was 0.8%, against 7.4% at peers.
In Cape Coral-Fort Myers it ranked 32 of 798 lenders, with 0.6%, up from 0.5%. In Naples-Marco Island its share halved, from 1.4% to 0.7%. With loans this large, a few more or fewer can move a dollar share a long way, which is one possible reason for the swing.
Low- and moderate-income (LMI) borrowers took 16.0% of its loans, against 25.2% at similar lenders. Its large loans are one possible reason. Majority-minority areas took 11.9%, against 6.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FineMark National Bank & Trust took 227 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.6% · Other 6.2% · Refinance 5.7% · Home improvement 0.5%
Conventional 100.0% · of 193 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 107 | 55.4% |
| Arizona | 24 | 12.4% |
| South Carolina | 19 | 9.8% |
| Texas | 10 | 5.2% |
| Georgia | 4 | 2.1% |
| Michigan | 3 | 1.6% |
| Ohio | 3 | 1.6% |
| Virginia | 3 | 1.6% |
| New Jersey | 2 | 1.0% |
| New York | 2 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cape Coral-Fort Myers | 51 |
| Naples-Marco Island | 33 |
| Phoenix-Mesa-Chandler | 24 |
| Charleston-North Charleston | 17 |
| West Palm Beach-Boca Raton-Delray Beach | 7 |
| Fort Worth-Arlington-Grapevine | 5 |
| Dallas-Plano-Irving | 3 |
| Ocala | 3 |
| Atlantic City-Hammonton | 2 |
| Columbus | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005JF6BKCN6OY689 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3547131 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124719 | 2008–2017 |
Established 16 February 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: FineMark National Bank & Trust's data.
FineMark National Bank & Trust's data
$215
FineMark National Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy FineMark National Bank & Trust's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]