FineMark National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
81st3.4% deniedProcesswithdrawn + incomplete share, weight 15%
68th7.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 302 | 260 | 3.0% | 3.2% | 6.75% | $251M |
| 2024 | 231 | 203 | 3.9% | 4.1% | — | $210M |
| 2025 | 227 | 193 | 3.1% | 3.4% | — | $204M |
What FineMark National Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 36 investment properties.
Why FineMark National Bank & Trust denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at FineMark National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 18 | 10.0% |
| $150k – $250k | 24 | 21 | 4.4% |
| Over $250k | 101 | 89 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 31 | 2.9% |
| 35–44 | 58 | 52 | 1.9% |
| 45–54 | 33 | 27 | 3.2% |
| 55–64 | 31 | 29 | 3.3% |
Where FineMark National Bank & Trust lends
26 states and 59 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 130 | 107 | 5.4% | — | #440 |
| Arizona | 28 | 24 | 0.0% | — | #386 |
| South Carolina | 21 | 19 | 0.0% | — | #440 |
| Texas | 12 | 10 | 0.0% | — | #939 |
| Georgia | 5 | 4 | 0.0% | — | #757 |
Frequently asked questions
FineMark National Bank & Trust denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
The most common reason FineMark National Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 57.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 87% of its applications were for home purchases, 6% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.