Franklin Templeton Bk & Trust Mortgage Lending & HMDA Data, 2011
In 2011, Franklin Templeton Bk & Trust of Salt Lake City, UT reported 23 mortgage applications totaling $20.8 million. The average application was for $902,173, and applicants reported an average income of $493,956. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3), Nassau-Suffolk, NY (3) and New York-White Plains-Wayne, NY-NJ (3) (applications in parentheses).
| Mortgage Company & Address | Franklin Templeton Bk & Trust 47 West 200 South, Suite 500 Salt Lake City, UT 84101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 23 |
| Total Mortgage Loan Application Amount | $20,750,000 |
| Average Mortgage Loan Application Amount | $902,173 |
| Highest Mortgage Loan Application Amount | $3,700,000 |
| Average Applicant Income | $493,956 |
| Highest Applicant Income | $2,883,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin Templeton Bk & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Franklin Templeton Bk & 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 | 17 | $17,580,000 | $1,034,000 | $3,700,000 | $501,000 | $2,883,000 |
| Home Purchase | 6 | $3,170,000 | $528,000 | $1,000,000 | $474,000 | $2,134,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 15 | $13,991,000 | $932,000 | $3,700,000 | $388,000 | $2,134,000 |
| Not applicable | 3 | $2,675,000 | $891,000 | $1,900,000 | $0 | $0 |
| Not Provided | 3 | $2,821,000 | $940,000 | $1,100,000 | $549,000 | $1,079,000 |
| Hispanic | 2 | $1,263,000 | $631,000 | $895,000 | $1,952,000 | $2,883,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 23 | $20,750,000 | $902,000 | $3,700,000 | $494,000 | $2,883,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 19 | $17,587,000 | $925,000 | $3,700,000 | $574,000 | $2,883,000 |
| Application Withdrawn By Applicant | 3 | $754,000 | $251,000 | $279,000 | $41,000 | $69,000 |
| Application Denied By Financial Institution | 1 | $2,409,000 | $2,409,000 | $2,409,000 | $331,000 | $331,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $2,409,000 | $2,409,000 | $2,409,000 | $331,000 | $331,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Templeton Bk & 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 Franklin Templeton Bk & 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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