Talmer Bank and Trust Mortgage Lending & HMDA Data, 2011
In 2011, Talmer Bank and Trust of Troy, MI reported 2,758 mortgage applications totaling $520.8 million, down 27% from 2010. The average application was for $188,831, and applicants reported an average income of $101,370. 45% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (1,792), Detroit-Livonia-Dearborn, MI (316) and Racine, WI (71) (applications in parentheses).
| Mortgage Company & Address | Talmer Bank and Trust 2301 W. Big Beaver Rd., Suite 200 Troy, MI 48084 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 2,758 |
| Total Mortgage Loan Application Amount | $520,798,000 |
| Average Mortgage Loan Application Amount | $188,831 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $101,370 |
| Highest Applicant Income | $6,469,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Talmer Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland, Michigan | 848 | $ 214,627,000 | $ 253,097 | $ 142,000 |
| Macomb, Michigan | 505 | $ 63,314,000 | $ 125,374 | $ 35,000 |
| St. Clair, Michigan | 319 | $ 42,450,000 | $ 133,072 | $ 77,000 |
| Wayne, Michigan | 316 | $ 40,049,000 | $ 126,737 | $ 48,000 |
| Racine, Wisconsin | 71 | $ 10,676,000 | $ 150,366 | $ 80,000 |
| Lapeer, Michigan | 69 | $ 7,254,000 | $ 105,130 | $ 62,000 |
| Genesee, Michigan | 62 | $ 8,392,000 | $ 135,354 | $ 23,000 |
| Livingston, Michigan | 51 | $ 7,693,000 | $ 150,843 | $ 77,000 |
| Walworth, Wisconsin | 47 | $ 13,451,000 | $ 286,191 | $ 141,000 |
| Sanilac, Michigan | 34 | $ 3,280,000 | $ 96,470 | $ 73,000 |
| Washtenaw, Michigan | 34 | $ 7,425,000 | $ 218,382 | $ 108,000 |
| Kenosha, Wisconsin | 33 | $ 5,311,000 | $ 160,939 | $ 101,000 |
| Lafayette, Wisconsin | 31 | $ 5,514,000 | $ 177,870 | $ 39,000 |
| Huron, Michigan | 17 | $ 2,027,000 | $ 119,235 | $ 86,000 |
| Cook, Illinois | 13 | $ 4,345,000 | $ 334,230 | $ 286,000 |
| DuPage, Illinois | 11 | $ 5,972,000 | $ 542,909 | $ 327,000 |
| Grand Traverse, Michigan | 11 | $ 4,495,000 | $ 408,636 | $ 304,000 |
| Waukesha, Wisconsin | 11 | $ 2,173,000 | $ 197,545 | $ 103,000 |
| Lake, Indiana | 10 | $ 1,155,000 | $ 115,500 | $ 0 |
| Emmet, Michigan | 9 | $ 8,870,000 | $ 985,555 | $ 1,335,000 |
| Milwaukee, Wisconsin | 9 | $ 1,610,000 | $ 178,888 | $ 130,000 |
| Palm Beach, Florida | 8 | $ 2,273,000 | $ 284,125 | $ 189,000 |
| Charlevoix, Michigan | 7 | $ 1,741,000 | $ 248,714 | $ 248,000 |
| Ingham, Michigan | 7 | $ 1,027,000 | $ 146,714 | $ 107,000 |
| Leelanau, Michigan | 6 | $ 2,389,000 | $ 398,166 | $ 370,000 |
| Green, Wisconsin | 6 | $ 693,000 | $ 115,500 | $ 59,000 |
| Lake, Illinois | 5 | $ 2,727,000 | $ 545,400 | $ 189,000 |
| McHenry, Illinois | 5 | $ 761,000 | $ 152,200 | $ 65,000 |
| Hamilton, Indiana | 5 | $ 1,723,000 | $ 344,600 | $ 187,000 |
| Cheboygan, Michigan | 5 | $ 1,835,000 | $ 367,000 | $ 224,000 |
| Lenawee, Michigan | 5 | $ 756,000 | $ 151,200 | $ 126,000 |
| Roscommon, Michigan | 5 | $ 326,000 | $ 65,200 | $ 20,000 |
| Broward, Florida | 4 | $ 1,114,000 | $ 278,500 | $ 322,000 |
| Iosco, Michigan | 4 | $ 497,000 | $ 124,250 | $ 437,000 |
| Kalamazoo, Michigan | 4 | $ 1,192,000 | $ 298,000 | $ 227,000 |
| Monroe, Michigan | 4 | $ 629,000 | $ 157,250 | $ 40,000 |
| Tuscola, Michigan | 4 | $ 359,000 | $ 89,750 | $ 30,000 |
| Franklin, Ohio | 4 | $ 341,000 | $ 85,250 | $ 30,000 |
| Maricopa, Arizona | 3 | $ 1,340,000 | $ 446,666 | $ 260,000 |
| Collier, Florida | 3 | $ 884,000 | $ 294,666 | $ 456,000 |
| Porter, Indiana | 3 | $ 449,000 | $ 149,666 | $ 0 |
| Alcona, Michigan | 3 | $ 368,000 | $ 122,666 | $ 223,000 |
| Allegan, Michigan | 3 | $ 1,513,000 | $ 504,333 | $ 1,158,000 |
| Antrim, Michigan | 3 | $ 551,000 | $ 183,666 | $ 160,000 |
| Jackson, Michigan | 3 | $ 530,000 | $ 176,666 | $ 53,000 |
| Mackinac, Michigan | 3 | $ 500,000 | $ 166,666 | $ 208,000 |
| Oceana, Michigan | 3 | $ 766,000 | $ 255,333 | $ 47,000 |
| Otsego, Michigan | 3 | $ 393,000 | $ 131,000 | $ 0 |
| Van Buren, Michigan | 3 | $ 278,000 | $ 92,666 | $ 97,000 |
| Baldwin, Alabama | 2 | $ 414,000 | $ 207,000 | $ 140,000 |
| Los Angeles, California | 2 | $ 663,000 | $ 331,500 | $ 93,000 |
| Orange, California | 2 | $ 958,000 | $ 479,000 | $ 163,000 |
| Arapahoe, Colorado | 2 | $ 1,261,000 | $ 630,500 | $ 516,000 |
| Denver, Colorado | 2 | $ 207,000 | $ 103,500 | $ 0 |
| Pitkin, Colorado | 2 | $ 3,250,000 | $ 1,625,000 | $ 545,000 |
| Summit, Colorado | 2 | $ 1,317,000 | $ 658,500 | $ 427,000 |
| Hernando, Florida | 2 | $ 121,000 | $ 60,500 | $ 32,000 |
| Gwinnett, Georgia | 2 | $ 493,000 | $ 246,500 | $ 91,000 |
| Kendall, Illinois | 2 | $ 298,000 | $ 149,000 | $ 179,000 |
| Marion, Indiana | 2 | $ 199,000 | $ 99,500 | $ 0 |
| Middlesex, Massachusetts | 2 | $ 262,000 | $ 131,000 | $ 231,000 |
| Bay, Michigan | 2 | $ 530,000 | $ 265,000 | $ 199,000 |
| Branch, Michigan | 2 | $ 144,000 | $ 72,000 | $ 107,000 |
| Clare, Michigan | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Crawford, Michigan | 2 | $ 235,000 | $ 117,500 | $ 90,000 |
| Gladwin, Michigan | 2 | $ 214,000 | $ 107,000 | $ 74,000 |
| Kalkaska, Michigan | 2 | $ 190,000 | $ 95,000 | $ 93,000 |
| Saginaw, Michigan | 2 | $ 470,000 | $ 235,000 | $ 162,000 |
| Clark, Nevada | 2 | $ 148,000 | $ 74,000 | $ 50,000 |
| New York, New York | 2 | $ 700,000 | $ 350,000 | $ 1,083,000 |
| Guilford, North Carolina | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Lamoille, Vermont | 2 | $ 497,000 | $ 248,500 | $ 958,000 |
| Pima, Arizona | 1 | $ 407,000 | $ 407,000 | $ 498,000 |
| Sacramento, California | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| San Mateo, California | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Santa Clara, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Routt, Colorado | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Weld, Colorado | 1 | $ 210,000 | $ 210,000 | $ 88,000 |
| Bay, Florida | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Charlotte, Florida | 1 | $ 54,000 | $ 54,000 | $ 18,000 |
| Clay, Florida | 1 | $ 107,000 | $ 107,000 | $ 113,000 |
| Highlands, Florida | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Lake, Florida | 1 | $ 173,000 | $ 173,000 | $ 99,000 |
| Lee, Florida | 1 | $ 190,000 | $ 190,000 | $ 226,000 |
| Martin, Florida | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Osceola, Florida | 1 | $ 250,000 | $ 250,000 | $ 114,000 |
| Sarasota, Florida | 1 | $ 308,000 | $ 308,000 | $ 223,000 |
| Chatham, Georgia | 1 | $ 300,000 | $ 300,000 | $ 437,000 |
| Cobb, Georgia | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Richmond, Georgia | 1 | $ 148,000 | $ 148,000 | $ 117,000 |
| Boone, Illinois | 1 | $ 193,000 | $ 193,000 | $ 77,000 |
| Peoria, Illinois | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Will, Illinois | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Winnebago, Illinois | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 421,000 | $ 421,000 | $ 0 |
| Jasper, Indiana | 1 | $ 52,000 | $ 52,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Tippecanoe, Indiana | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| White, Indiana | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Franklin, Maine | 1 | $ 278,000 | $ 278,000 | $ 510,000 |
| Baltimore City, Maryland | 1 | $ 252,000 | $ 252,000 | $ 85,000 |
| Washington, Maryland | 1 | $ 390,000 | $ 390,000 | $ 127,000 |
| Nantucket, Massachusetts | 1 | $ 411,000 | $ 411,000 | $ 498,000 |
| Alpena, Michigan | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Barry, Michigan | 1 | $ 206,000 | $ 206,000 | $ 67,000 |
| Berrien, Michigan | 1 | $ 550,000 | $ 550,000 | $ 458,000 |
| Calhoun, Michigan | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Clinton, Michigan | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Isabella, Michigan | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Kent, Michigan | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Mecosta, Michigan | 1 | $ 160,000 | $ 160,000 | $ 137,000 |
| Montcalm, Michigan | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Montmorency, Michigan | 1 | $ 284,000 | $ 284,000 | $ 132,000 |
| Newaygo, Michigan | 1 | $ 120,000 | $ 120,000 | $ 537,000 |
| Ogemaw, Michigan | 1 | $ 277,000 | $ 277,000 | $ 140,000 |
| Osceola, Michigan | 1 | $ 250,000 | $ 250,000 | $ 330,000 |
| Oscoda, Michigan | 1 | $ 56,000 | $ 56,000 | $ 79,000 |
| Presque Isle, Michigan | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Greene, Missouri | 1 | $ 469,000 | $ 469,000 | $ 0 |
| St. Louis, Missouri | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Ocean, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Westchester, New York | 1 | $ 325,000 | $ 325,000 | $ 252,000 |
| Buncombe, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 131,000 |
| Moore, North Carolina | 1 | $ 230,000 | $ 230,000 | $ 270,000 |
| Vance, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wake, North Carolina | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Butler, Ohio | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Geauga, Ohio | 1 | $ 410,000 | $ 410,000 | $ 160,000 |
| Lorain, Ohio | 1 | $ 346,000 | $ 346,000 | $ 271,000 |
| Stark, Ohio | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 943,000 | $ 943,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 104,000 | $ 104,000 | $ 158,000 |
| Charleston, South Carolina | 1 | $ 715,000 | $ 715,000 | $ 439,000 |
| Horry, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Bexar, Texas | 1 | $ 397,000 | $ 397,000 | $ 310,000 |
| Charles City, Virginia | 1 | $ 978,000 | $ 978,000 | $ 617,000 |
| King, Washington | 1 | $ 281,000 | $ 281,000 | $ 162,000 |
| Chippewa, Wisconsin | 1 | $ 226,000 | $ 226,000 | $ 87,000 |
| Columbia, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 191,000 |
| Dane, Wisconsin | 1 | $ 243,000 | $ 243,000 | $ 76,000 |
| Grant, Wisconsin | 1 | $ 151,000 | $ 151,000 | $ 69,000 |
| Iowa, Wisconsin | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Oneida, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Rock, Wisconsin | 1 | $ 153,000 | $ 153,000 | $ 30,000 |
| Sauk, Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 224,000 |
Mortgage Loan Application Detail Totals for Talmer Bank and Trust in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,788 | $380,861,000 | $213,000 | $3,500,000 | $120,000 | $6,469,000 |
| Home Purchase | 890 | $136,475,000 | $153,000 | $2,400,000 | $70,000 | $1,012,000 |
| Home Improvement | 80 | $3,462,000 | $43,000 | $270,000 | $34,000 | $508,000 |
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 | 1,777 | $374,672,000 | $210,000 | $3,500,000 | $145,000 | $6,469,000 |
| Not applicable | 831 | $112,783,000 | $135,000 | $3,470,000 | $0 | $0 |
| Asian | 66 | $14,360,000 | $217,000 | $1,024,000 | $108,000 | $500,000 |
| Hispanic | 38 | $9,458,000 | $248,000 | $1,280,000 | $222,000 | $3,326,000 |
| Not Provided | 25 | $3,600,000 | $144,000 | $330,000 | $85,000 | $235,000 |
| Black or African American | 17 | $5,081,000 | $298,000 | $1,075,000 | $217,000 | $867,000 |
| American Indian or Alaskan Native | 3 | $604,000 | $201,000 | $384,000 | $118,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $240,000 | $240,000 | $240,000 | $142,000 | $142,000 |
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) | 2,586 | $496,916,000 | $192,000 | $3,500,000 | $105,000 | $6,469,000 |
| FHA-insured (Federal Housing Administration) | 136 | $17,934,000 | $131,000 | $300,000 | $58,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,689,000 | $162,000 | $925,000 | $25,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $259,000 | $259,000 | $259,000 | $93,000 | $93,000 |
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 | 1,251 | $269,231,000 | $215,000 | $3,500,000 | $149,000 | $6,469,000 |
| Loan Purchased By The Institution | 808 | $107,006,000 | $132,000 | $3,470,000 | $0 | $0 |
| Application Withdrawn By Applicant | 341 | $74,310,000 | $217,000 | $2,440,000 | $151,000 | $3,326,000 |
| Application Denied By Financial Institution | 189 | $33,173,000 | $175,000 | $1,280,000 | $87,000 | $658,000 |
| File Closed For Incompleteness | 94 | $25,698,000 | $273,000 | $2,000,000 | $159,000 | $521,000 |
| Application Approved But Not Accepted | 75 | $11,380,000 | $151,000 | $640,000 | $143,000 | $825,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 50 | $9,496,000 | $189,000 | $990,000 | $65,000 | $184,000 |
| Collateral | 44 | $8,918,000 | $202,000 | $1,280,000 | $120,000 | $658,000 |
| Credit History | 24 | $3,592,000 | $149,000 | $300,000 | $82,000 | $233,000 |
| Other | 20 | $4,301,000 | $215,000 | $1,165,000 | $92,000 | $300,000 |
| Employment History | 8 | $1,934,000 | $241,000 | $417,000 | $137,000 | $550,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $472,000 | $118,000 | $200,000 | $63,000 | $105,000 |
| Credit Application Incomplete | 4 | $791,000 | $197,000 | $257,000 | $69,000 | $76,000 |
| Unverifiable Information | 2 | $455,000 | $227,000 | $272,000 | $60,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Talmer Bank and Trust's 2011 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 Talmer Bank and 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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