Finnerty was awarded 2003 GLIAC conference Freshman of the Year award, and was named GVSU's Rookie of the Year. He was a two-time GLIAC Player of the Week, and was named Football.com Div II Player of the Week. Finnerty earned his first varsity letter as a freshman after starting 14 games. He completed 230-of-363 passes for 2,764 yards and 22 touchdowns, completing 63.4% of his passes. Finnerty was ranked 12th in pass efficiency rating (144.02) and 26th in total offense (256.9) in NCAA Div. II. He rushed for 822 yards and nine touchdowns himself, and also caught one pass as a receiver, for nine yards. Finnerty completed 20 or more passes in a game three times in the season, and broke the 200-yard passing mark six times, including two games of over 300 yards. He completed 19-of-29 passes for 149 yards and rushed for 78 yards on 19 carries in the NCAA Div II National Championship game vs. North Dakota. [https://web.archive.org/web/20061215165947/http://gvsulakers.cstv.com/sports/m-footbl/mtt/finnerty_cullen00.html]