Talmer Bank and Trust Mortgage Lending & HMDA Data, 2015
In 2015, Talmer Bank and Trust of Troy, MI reported 9,256 mortgage applications totaling $2.0 billion, up 14% from 2014. The average application was for $213,843, and applicants reported an average income of $125,379. 71% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (2,791), Cincinnati, OH-KY-IN (1,434) and Grand Rapids-Wyoming, MI (582) (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 | 9,256 |
| Total Mortgage Loan Application Amount | $1,979,336,000 |
| Average Mortgage Loan Application Amount | $213,843 |
| Highest Mortgage Loan Application Amount | $2,750,000 |
| Average Applicant Income | $125,379 |
| Highest Applicant Income | $3,502,000 |
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(HMDA) records Talmer Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren-Troy-Farmington Hills, MI | 2,791 | $ 634,096,000 | $ 227,193 | $ 131,000 |
| Cincinnati, OH-KY-IN | 1,434 | $ 290,701,000 | $ 202,720 | $ 126,054 |
| Grand Rapids-Wyoming, MI | 582 | $ 87,762,000 | $ 150,793 | $ 77,000 |
| Detroit-Dearborn-Livonia, MI | 574 | $ 117,564,000 | $ 204,815 | $ 127,000 |
| Youngstown-Warren-Boardman, OH-PA | 406 | $ 45,464,000 | $ 111,980 | $ 63,416 |
| Cleveland-Elyria, OH | 388 | $ 56,959,000 | $ 146,801 | $ 100,000 |
| Silver Spring-Frederick-Rockville, MD | 331 | $ 136,279,000 | $ 411,719 | $ 172,000 |
| Columbus, OH | 305 | $ 75,186,000 | $ 246,511 | $ 126,000 |
| Indianapolis-Carmel-Anderson, IN | 239 | $ 30,868,000 | $ 129,154 | $ 150,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 235 | $ 104,129,000 | $ 443,102 | $ 205,931 |
| Flint, MI | 234 | $ 28,468,000 | $ 121,658 | $ 53,000 |
| Dayton, OH | 232 | $ 38,933,000 | $ 167,814 | $ 108,000 |
| Ann Arbor, MI | 213 | $ 48,138,000 | $ 226,000 | $ 160,000 |
| Baltimore-Columbia-Towson, MD | 154 | $ 50,374,000 | $ 327,103 | $ 186,000 |
| Chicago-Naperville-Arlington Heights, IL | 96 | $ 32,270,000 | $ 336,145 | $ 124,000 |
| Akron, OH | 93 | $ 16,421,000 | $ 176,569 | $ 101,000 |
| Birmingham-Hoover, AL | 41 | $ 2,530,000 | $ 61,707 | $ 129,000 |
| Toledo, OH | 32 | $ 5,806,000 | $ 181,437 | $ 132,000 |
| Las Vegas-Henderson-Paradise, NV | 30 | $ 9,025,000 | $ 300,833 | $ 107,000 |
| Kansas City, MO-KS | 26 | $ 2,155,000 | $ 82,884 | $ 111,538 |
| Memphis, TN-MS-AR | 18 | $ 1,468,000 | $ 81,555 | $ 119,000 |
| Muskegon, MI | 17 | $ 2,120,000 | $ 124,705 | $ 95,000 |
| Jackson, MI | 16 | $ 2,493,000 | $ 155,812 | $ 80,000 |
| Monroe, MI | 16 | $ 2,496,000 | $ 156,000 | $ 93,000 |
| Lansing-East Lansing, MI | 15 | $ 2,562,000 | $ 170,800 | $ 76,000 |
| Kalamazoo-Portage, MI | 14 | $ 2,727,000 | $ 194,785 | $ 125,000 |
| Naples-Immokalee-Marco Island, FL | 13 | $ 6,450,000 | $ 496,153 | $ 475,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 3,243,000 | $ 270,250 | $ 190,000 |
| Canton-Massillon, OH | 11 | $ 1,582,000 | $ 143,818 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 2,277,000 | $ 227,700 | $ 123,000 |
| Elkhart-Goshen, IN | 9 | $ 878,000 | $ 97,555 | $ 62,000 |
| Philadelphia, PA | 9 | $ 1,489,000 | $ 165,444 | $ 274,000 |
| Saginaw, MI | 9 | $ 1,678,000 | $ 186,444 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 2,137,000 | $ 267,125 | $ 174,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 2,923,000 | $ 365,375 | $ 361,000 |
| Oakland-Hayward-Berkeley, CA | 8 | $ 2,577,000 | $ 322,125 | $ 119,000 |
| Jacksonville, FL | 7 | $ 724,000 | $ 103,428 | $ 104,000 |
| Springfield, OH | 7 | $ 1,233,000 | $ 176,142 | $ 120,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 2,219,000 | $ 369,833 | $ 185,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,712,000 | $ 285,333 | $ 220,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,961,000 | $ 326,833 | $ 204,000 |
| Knoxville, TN | 6 | $ 1,399,000 | $ 233,166 | $ 187,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 5,578,000 | $ 929,666 | $ 509,000 |
| Mansfield, OH | 6 | $ 1,677,000 | $ 279,500 | $ 218,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,606,000 | $ 321,200 | $ 196,000 |
| Pittsburgh, PA | 5 | $ 752,000 | $ 150,400 | $ 110,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,299,000 | $ 259,800 | $ 130,200 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,075,000 | $ 215,000 | $ 194,000 |
| Asheville, NC | 4 | $ 1,513,000 | $ 378,250 | $ 141,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,114,000 | $ 278,500 | $ 196,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,206,000 | $ 301,500 | $ 138,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,395,000 | $ 348,750 | $ 438,000 |
| Gary, IN | 4 | $ 554,000 | $ 138,500 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,346,000 | $ 336,500 | $ 213,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 300,000 | $ 75,000 | $ 115,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 563,000 | $ 140,750 | $ 75,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 940,000 | $ 235,000 | $ 109,000 |
| Battle Creek, MI | 3 | $ 577,000 | $ 192,333 | $ 91,000 |
| Elgin, IL | 3 | $ 599,000 | $ 199,666 | $ 186,000 |
| Niles-Benton Harbor, MI | 3 | $ 556,000 | $ 185,333 | $ 316,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 474,000 | $ 158,000 | $ 111,000 |
| Punta Gorda, FL | 3 | $ 470,000 | $ 156,666 | $ 53,000 |
| Raleigh, NC | 3 | $ 687,000 | $ 229,000 | $ 126,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,924,000 | $ 641,333 | $ 204,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 971,000 | $ 323,666 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 459,000 | $ 229,500 | $ 208,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 251,000 | $ 125,500 | $ 86,000 |
| Bay City, MI | 2 | $ 253,000 | $ 126,500 | $ 298,000 |
| Beckley, WV | 2 | $ 591,000 | $ 295,500 | $ 250,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,086,000 | $ 543,000 | $ 157,000 |
| Charlottesville, VA | 2 | $ 900,000 | $ 450,000 | $ 200,000 |
| Colorado Springs, CO | 2 | $ 569,000 | $ 284,500 | $ 116,000 |
| Durham-Chapel Hill, NC | 2 | $ 261,000 | $ 130,500 | $ 153,000 |
| Evansville, IN-KY | 2 | $ 192,000 | $ 96,000 | $ 138,000 |
| Greensboro-High Point, NC | 2 | $ 599,000 | $ 299,500 | $ 198,000 |
| Hinesville, GA | 2 | $ 326,000 | $ 163,000 | $ 79,000 |
| Lexington-Fayette, KY | 2 | $ 377,000 | $ 188,500 | $ 102,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 494,000 | $ 247,000 | $ 162,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 632,000 | $ 316,000 | $ 133,000 |
| Modesto, CA | 2 | $ 1,710,000 | $ 855,000 | $ 228,000 |
| Montgomery, AL | 2 | $ 193,000 | $ 96,500 | $ 91,000 |
| New Orleans-Metairie, LA | 2 | $ 834,000 | $ 417,000 | $ 79,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 700,000 | $ 350,000 | $ 77,000 |
| Salisbury, MD-DE | 2 | $ 428,000 | $ 214,000 | $ 225,000 |
| Salt Lake City, UT | 2 | $ 305,000 | $ 152,500 | $ 53,000 |
| San Diego-Carlsbad, CA | 2 | $ 978,000 | $ 489,000 | $ 169,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 889,000 | $ 444,500 | $ 134,000 |
| San Rafael, CA | 2 | $ 685,000 | $ 342,500 | $ 93,000 |
| Springfield, MA | 2 | $ 355,000 | $ 177,500 | $ 206,000 |
| Barnstable Town, MA | 1 | $ 417,000 | $ 417,000 | $ 263,000 |
| Bloomington, IN | 1 | $ 296,000 | $ 296,000 | $ 85,000 |
| Boise City, ID | 1 | $ 417,000 | $ 417,000 | $ 103,000 |
| Boston, MA | 1 | $ 470,000 | $ 470,000 | $ 170,000 |
| Boulder, CO | 1 | $ 1,400,000 | $ 1,400,000 | $ 1,603,000 |
| Champaign-Urbana, IL | 1 | $ 320,000 | $ 320,000 | $ 104,000 |
| Chico, CA | 1 | $ 120,000 | $ 120,000 | $ 21,000 |
| Columbia, SC | 1 | $ 146,000 | $ 146,000 | $ 61,000 |
| Columbus, IN | 1 | $ 92,000 | $ 92,000 | $ 124,000 |
| Corvallis, OR | 1 | $ 178,000 | $ 178,000 | $ 80,000 |
| Dallas-Plano-Irving, TX | 1 | $ 283,000 | $ 283,000 | $ 104,000 |
| Fort Wayne, IN | 1 | $ 282,000 | $ 282,000 | $ 229,000 |
| Gainesville, FL | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Glens Falls, NY | 1 | $ 395,000 | $ 395,000 | $ 240,000 |
| Greeley, CO | 1 | $ 207,000 | $ 207,000 | $ 95,000 |
| Jacksonville, NC | 1 | $ 383,000 | $ 383,000 | $ 204,000 |
| Janesville-Beloit, WI | 1 | $ 141,000 | $ 141,000 | $ 115,000 |
| Jefferson City, MO | 1 | $ 99,000 | $ 99,000 | $ 131,000 |
| Kennewick-Richland, WA | 1 | $ 116,000 | $ 116,000 | $ 77,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 62,000 | $ 62,000 | $ 103,000 |
| Lancaster, PA | 1 | $ 396,000 | $ 396,000 | $ 370,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Madison, WI | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Midland, MI | 1 | $ 377,000 | $ 377,000 | $ 140,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 396,000 | $ 396,000 | $ 277,000 |
| Muncie, IN | 1 | $ 52,000 | $ 52,000 | $ 92,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 72,000 | $ 72,000 | $ 48,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 106,000 | $ 106,000 | $ 263,000 |
| Port St. Lucie, FL | 1 | $ 118,000 | $ 118,000 | $ 30,000 |
| Racine, WI | 1 | $ 105,000 | $ 105,000 | $ 169,000 |
| Richmond, VA | 1 | $ 567,000 | $ 567,000 | $ 369,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 356,000 | $ 356,000 | $ 226,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 298,000 | $ 298,000 | $ 65,000 |
| San Antonio-New Braunfels, TX | 1 | $ 215,000 | $ 215,000 | $ 149,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 239,000 | $ 239,000 | $ 101,000 |
| Springfield, IL | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Tucson, AZ | 1 | $ 273,000 | $ 273,000 | $ 179,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 178,000 | $ 178,000 | $ 282,000 |
Mortgage Loan Application Detail Totals for Talmer Bank and Trust in 2015
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 | 5,757 | $1,186,002,000 | $206,000 | $2,640,000 | $127,000 | $3,502,000 |
| Refinancing | 3,241 | $746,783,000 | $230,000 | $2,700,000 | $125,000 | $1,924,000 |
| Home Improvement | 258 | $46,551,000 | $180,000 | $2,750,000 | $94,000 | $829,000 |
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 | 7,649 | $1,635,033,000 | $213,000 | $2,700,000 | $129,000 | $3,502,000 |
| Not Provided | 487 | $116,248,000 | $238,000 | $2,200,000 | $133,000 | $1,291,000 |
| Asian | 411 | $87,491,000 | $212,000 | $1,750,000 | $145,000 | $1,150,000 |
| Black or African American | 288 | $47,615,000 | $165,000 | $1,440,000 | $95,000 | $1,200,000 |
| Not applicable | 208 | $52,281,000 | $251,000 | $2,750,000 | $0 | $0 |
| Hispanic | 195 | $37,485,000 | $192,000 | $1,500,000 | $109,000 | $947,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,179,000 | $242,000 | $608,000 | $189,000 | $424,000 |
| American Indian or Alaskan Native | 9 | $1,004,000 | $111,000 | $346,000 | $53,000 | $123,000 |
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) | 7,929 | $1,793,054,000 | $226,000 | $2,750,000 | $136,000 | $3,502,000 |
| FHA-insured (Federal Housing Administration) | 1,072 | $139,258,000 | $129,000 | $599,000 | $60,000 | $428,000 |
| VA-guaranteed (Veterans Administration) | 157 | $33,808,000 | $215,000 | $788,000 | $82,000 | $340,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $13,216,000 | $134,000 | $270,000 | $52,000 | $104,000 |
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 | 6,576 | $1,449,029,000 | $220,000 | $2,750,000 | $131,000 | $3,502,000 |
| Application Withdrawn By Applicant | 1,100 | $244,377,000 | $222,000 | $2,700,000 | $125,000 | $1,924,000 |
| Application Denied By Financial Institution | 725 | $105,843,000 | $145,000 | $2,200,000 | $73,000 | $763,000 |
| File Closed For Incompleteness | 407 | $96,503,000 | $237,000 | $1,440,000 | $136,000 | $2,136,000 |
| Application Approved But Not Accepted | 368 | $76,380,000 | $207,000 | $1,425,000 | $133,000 | $1,872,000 |
| Loan Purchased By The Institution | 80 | $7,204,000 | $90,000 | $187,000 | $44,000 | $320,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Talmer Bank and Trust's 2015 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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with aggregated HMDA statistics today.
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