Talmer Bank and Trust Mortgage Lending & HMDA Data, 2012
In 2012, Talmer Bank and Trust of Troy, MI reported 3,154 mortgage applications totaling $602.4 million, up 14% from 2011. The average application was for $190,999, and applicants reported an average income of $126,074. 71% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (2,290), Detroit-Livonia-Dearborn, MI (219) and Racine, WI (87) (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 | 3,154 |
| Total Mortgage Loan Application Amount | $602,411,000 |
| Average Mortgage Loan Application Amount | $190,999 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $126,074 |
| Highest Applicant Income | $4,382,000 |
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(HMDA) records Talmer Bank and Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,290 | $ 440,567,000 | $ 192,387 | $ 124,000 |
| Detroit-Livonia-Dearborn, MI | 219 | $ 39,472,000 | $ 180,237 | $ 108,000 |
| Racine, WI | 87 | $ 15,294,000 | $ 175,793 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 63 | $ 10,375,000 | $ 164,682 | $ 103,777 |
| Chicago-Joliet-Naperville, IL | 61 | $ 18,653,000 | $ 305,786 | $ 253,000 |
| Ann Arbor, MI | 30 | $ 6,499,000 | $ 216,633 | $ 132,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 3,409,000 | $ 148,217 | $ 91,000 |
| Madison, WI | 15 | $ 3,530,000 | $ 235,333 | $ 144,000 |
| Flint, MI | 12 | $ 1,457,000 | $ 121,416 | $ 119,000 |
| Phoenix-Mesa-Glendale, AZ | 7 | $ 1,366,000 | $ 195,142 | $ 214,000 |
| Janesville, WI | 5 | $ 612,000 | $ 122,400 | $ 48,000 |
| Monroe, MI | 5 | $ 961,000 | $ 192,200 | $ 87,000 |
| North Port-Bradenton-Sarasota, FL | 5 | $ 1,426,000 | $ 285,200 | $ 363,000 |
| Lansing-East Lansing, MI | 4 | $ 567,000 | $ 141,750 | $ 93,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 908,000 | $ 302,666 | $ 104,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 353,000 | $ 117,666 | $ 118,000 |
| Kalamazoo-Portage, MI | 3 | $ 651,000 | $ 217,000 | $ 133,000 |
| Naples-Marco Island, FL | 3 | $ 1,496,000 | $ 498,666 | $ 288,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 420,000 | $ 140,000 | $ 440,000 |
| Asheville, NC | 2 | $ 482,000 | $ 241,000 | $ 129,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 281,000 | $ 140,500 | $ 148,000 |
| Baltimore-Towson, MD | 2 | $ 504,000 | $ 252,000 | $ 91,000 |
| Boulder, CO | 2 | $ 1,196,000 | $ 598,000 | $ 1,389,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 937,000 | $ 468,500 | $ 210,000 |
| Dubuque, IA | 2 | $ 101,000 | $ 50,500 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 198,000 | $ 99,000 | $ 155,000 |
| Port St. Lucie, FL | 2 | $ 430,000 | $ 215,000 | $ 346,000 |
| Appleton, WI | 1 | $ 123,000 | $ 123,000 | $ 49,000 |
| Battle Creek, MI | 1 | $ 365,000 | $ 365,000 | $ 266,000 |
| Bay City, MI | 1 | $ 263,000 | $ 263,000 | $ 350,000 |
| Birmingham-Hoover, AL | 1 | $ 288,000 | $ 288,000 | $ 133,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Des Moines-West Des Moines, IA | 1 | $ 330,000 | $ 330,000 | $ 234,000 |
| Edison-New Brunswick, NJ | 1 | $ 324,000 | $ 324,000 | $ 223,000 |
| El Paso, TX | 1 | $ 250,000 | $ 250,000 | $ 135,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 160,000 |
| Gary, IN | 1 | $ 505,000 | $ 505,000 | $ 3,273,000 |
| Indianapolis-Carmel, IN | 1 | $ 342,000 | $ 342,000 | $ 222,000 |
| Jackson, MI | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Knoxville, TN | 1 | $ 96,000 | $ 96,000 | $ 66,000 |
| Kokomo, IN | 1 | $ 376,000 | $ 376,000 | $ 221,000 |
| La Crosse, WI-MN | 1 | $ 160,000 | $ 160,000 | $ 62,000 |
| Lafayette, IN | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 150,000 | $ 150,000 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 407,000 | $ 407,000 | $ 172,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 246,000 | $ 246,000 | $ 88,000 |
| Ocala, FL | 1 | $ 238,000 | $ 238,000 | $ 98,000 |
| Olympia, WA | 1 | $ 403,000 | $ 403,000 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 146,000 | $ 146,000 | $ 85,000 |
| Philadelphia, PA | 1 | $ 239,000 | $ 239,000 | $ 97,000 |
| Punta Gorda, FL | 1 | $ 90,000 | $ 90,000 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 167,000 | $ 167,000 | $ 273,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 168,000 | $ 168,000 | $ 250,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 294,000 | $ 294,000 | $ 660,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 360,000 | $ 360,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Talmer Bank and Trust in 2012
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 | 2,028 | $405,009,000 | $199,000 | $2,500,000 | $132,000 | $4,382,000 |
| Home Purchase | 1,061 | $193,944,000 | $182,000 | $1,873,000 | $118,000 | $2,359,000 |
| Home Improvement | 65 | $3,458,000 | $53,000 | $400,000 | $73,000 | $375,000 |
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 | 2,871 | $553,665,000 | $192,000 | $2,500,000 | $127,000 | $4,382,000 |
| Asian | 93 | $22,091,000 | $237,000 | $700,000 | $127,000 | $660,000 |
| Not Provided | 82 | $7,882,000 | $96,000 | $1,013,000 | $124,000 | $610,000 |
| Black or African American | 43 | $6,319,000 | $146,000 | $350,000 | $110,000 | $638,000 |
| Hispanic | 42 | $8,542,000 | $203,000 | $590,000 | $137,000 | $703,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,031,000 | $203,000 | $369,000 | $83,000 | $206,000 |
| Not applicable | 10 | $1,357,000 | $135,000 | $465,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $524,000 | $174,000 | $307,000 | $69,000 | $131,000 |
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) | 2,843 | $564,668,000 | $198,000 | $2,500,000 | $134,000 | $4,382,000 |
| FHA-insured (Federal Housing Administration) | 270 | $31,932,000 | $118,000 | $300,000 | $52,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,862,000 | $148,000 | $286,000 | $71,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,949,000 | $129,000 | $331,000 | $21,000 | $78,000 |
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 | 2,249 | $455,802,000 | $202,000 | $2,500,000 | $137,000 | $4,382,000 |
| Application Withdrawn By Applicant | 369 | $70,489,000 | $191,000 | $1,873,000 | $118,000 | $2,000,000 |
| Loan Purchased By The Institution | 194 | $18,963,000 | $97,000 | $261,000 | $37,000 | $138,000 |
| Application Denied By Financial Institution | 165 | $21,156,000 | $128,000 | $1,013,000 | $84,000 | $601,000 |
| Application Approved But Not Accepted | 100 | $19,178,000 | $191,000 | $980,000 | $129,000 | $825,000 |
| File Closed For Incompleteness | 77 | $16,823,000 | $218,000 | $1,400,000 | $153,000 | $840,000 |
| 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 2012 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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