Franklin Templeton Bk & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Franklin Templeton Bk & Trust of Salt Lake City, UT reported 148 mortgage applications totaling $26.6 million, down 33% from 2003. The average application was for $179,993, and applicants reported an average income of $95,567. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (23), Sacramento--Arden-Arcade--Roseville, CA (16) and New York-Wayne-White Plains, NY-NJ (9) (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 | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 148 |
| Total Mortgage Loan Application Amount | $26,639,000 |
| Average Mortgage Loan Application Amount | $179,993 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $95,567 |
| Highest Applicant Income | $693,000 |
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records Franklin Templeton Bk & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pinellas, Florida | 16 | $ 1,950,000 | $ 121,875 | $ 62,000 |
| Sacramento, California | 14 | $ 2,561,000 | $ 182,928 | $ 84,000 |
| Broward, Florida | 8 | $ 1,378,000 | $ 172,250 | $ 84,000 |
| San Mateo, California | 4 | $ 840,000 | $ 210,000 | $ 87,000 |
| Manatee, Florida | 4 | $ 1,111,000 | $ 277,750 | $ 97,000 |
| New York, New York | 4 | $ 1,619,000 | $ 404,750 | $ 212,000 |
| Fairfield, Connecticut | 3 | $ 835,000 | $ 278,333 | $ 65,000 |
| Hillsborough, Florida | 3 | $ 478,000 | $ 159,333 | $ 53,000 |
| Palm Beach, Florida | 3 | $ 1,000,000 | $ 333,333 | $ 259,000 |
| Cook, Illinois | 3 | $ 417,000 | $ 139,000 | $ 70,000 |
| Richmond, New York | 3 | $ 439,000 | $ 146,333 | $ 51,000 |
| Harris, Texas | 3 | $ 572,000 | $ 190,666 | $ 150,000 |
| Salt Lake, Utah | 3 | $ 317,000 | $ 105,666 | $ 70,000 |
| Mohave, Arizona | 2 | $ 215,000 | $ 107,500 | $ 72,000 |
| El Dorado, California | 2 | $ 335,000 | $ 167,500 | $ 72,000 |
| Los Angeles, California | 2 | $ 247,000 | $ 123,500 | $ 40,000 |
| Orange, California | 2 | $ 584,000 | $ 292,000 | $ 156,000 |
| Hernando, Florida | 2 | $ 183,000 | $ 91,500 | $ 44,000 |
| Pasco, Florida | 2 | $ 279,000 | $ 139,500 | $ 144,000 |
| Lake, Illinois | 2 | $ 211,000 | $ 105,500 | $ 63,000 |
| Belknap, New Hampshire | 2 | $ 209,000 | $ 104,500 | $ 79,000 |
| Monmouth, New Jersey | 2 | $ 394,000 | $ 197,000 | $ 135,000 |
| Cuyahoga, Ohio | 2 | $ 183,000 | $ 91,500 | $ 48,000 |
| Baldwin, Alabama | 1 | $ 305,000 | $ 305,000 | $ 134,000 |
| Cochise, Arizona | 1 | $ 102,000 | $ 102,000 | $ 75,000 |
| Coconino, Arizona | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Maricopa, Arizona | 1 | $ 24,000 | $ 24,000 | $ 59,000 |
| Yavapai, Arizona | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Alameda, California | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Contra Costa, California | 1 | $ 205,000 | $ 205,000 | $ 210,000 |
| Lake, California | 1 | $ 142,000 | $ 142,000 | $ 40,000 |
| Napa, California | 1 | $ 48,000 | $ 48,000 | $ 64,000 |
| Riverside, California | 1 | $ 391,000 | $ 391,000 | $ 166,000 |
| San Bernardino, California | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| San Diego, California | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| San Joaquin, California | 1 | $ 264,000 | $ 264,000 | $ 126,000 |
| Tuolumne, California | 1 | $ 216,000 | $ 216,000 | $ 180,000 |
| Montezuma, Colorado | 1 | $ 137,000 | $ 137,000 | $ 47,000 |
| Brevard, Florida | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| Charlotte, Florida | 1 | $ 334,000 | $ 334,000 | $ 158,000 |
| Indian River, Florida | 1 | $ 86,000 | $ 86,000 | $ 33,000 |
| Miami-Dade, Florida | 1 | $ 174,000 | $ 174,000 | $ 100,000 |
| Orange, Florida | 1 | $ 199,000 | $ 199,000 | $ 66,000 |
| Sumter, Florida | 1 | $ 177,000 | $ 177,000 | $ 71,000 |
| Cobb, Georgia | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Blaine, Idaho | 1 | $ 425,000 | $ 425,000 | $ 135,000 |
| Bonner, Idaho | 1 | $ 224,000 | $ 224,000 | $ 50,000 |
| Lafayette, Louisiana | 1 | $ 255,000 | $ 255,000 | $ 138,000 |
| Grand Traverse, Michigan | 1 | $ 164,000 | $ 164,000 | $ 78,000 |
| Lewis and Clark, Montana | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Lancaster, Nebraska | 1 | $ 234,000 | $ 234,000 | $ 135,000 |
| Carson City, Nevada | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Clark, Nevada | 1 | $ 287,000 | $ 287,000 | $ 102,000 |
| Nye, Nevada | 1 | $ 46,000 | $ 46,000 | $ 28,000 |
| Bergen, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 48,000 |
| Burlington, New Jersey | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Hudson, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Middlesex, New Jersey | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Passaic, New Jersey | 1 | $ 100,000 | $ 100,000 | $ 119,000 |
| Albany, New York | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Franklin, New York | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Nassau, New York | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Ontario, New York | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| Queens, New York | 1 | $ 84,000 | $ 84,000 | $ 92,000 |
| Westchester, New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 405,000 |
| Multnomah, Oregon | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Bucks, Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 83,000 |
| Chester, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 100,000 |
| Delaware, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Montgomery, Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 40,000 |
| Kent, Rhode Island | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Newport, Rhode Island | 1 | $ 735,000 | $ 735,000 | $ 494,000 |
| Charleston, South Carolina | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Shelby, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Denton, Texas | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Smith, Texas | 1 | $ 86,000 | $ 86,000 | $ 73,000 |
| Utah, Utah | 1 | $ 130,000 | $ 130,000 | $ 86,000 |
| Windsor, Vermont | 1 | $ 250,000 | $ 250,000 | $ 288,000 |
| Albemarle, Virginia | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Monongalia, West Virginia | 1 | $ 88,000 | $ 88,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Franklin Templeton Bk & Trust in 2004
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 | 83 | $12,717,000 | $135,636 | $1,000,000 | $78,090 | $534,000 |
| Home Purchase | 61 | $13,586,000 | $230,058 | $1,000,000 | $120,588 | $693,000 |
| Home Improvement | 4 | $336,000 | $73,000 | $142,000 | $52,333 | $114,000 |
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 | 77 | $14,623,000 | $181,400 | $1,000,000 | $98,800 | $494,000 |
| Not Provided | 49 | $7,164,000 | $147,357 | $1,000,000 | $90,571 | $693,000 |
| Asian | 10 | $2,452,000 | $244,666 | $360,000 | $86,500 | $180,000 |
| Black or African American | 7 | $1,334,000 | $190,800 | $264,000 | $90,000 | $138,000 |
| Hispanic | 4 | $781,000 | $175,000 | $280,000 | $58,500 | $85,000 |
| American Indian or Alaskan Native | 1 | $285,000 | $285,000 | $285,000 | $71,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 148 | $26,639,000 | $170,571 | $1,000,000 | $91,071 | $693,000 |
| 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 | 112 | $21,288,000 | $189,250 | $1,000,000 | $102,458 | $693,000 |
| Application Denied By Financial Institution | 13 | $1,794,000 | $119,833 | $400,000 | $59,666 | $263,000 |
| Application Approved But Not Accepted | 12 | $1,927,000 | $163,888 | $323,000 | $82,888 | $152,000 |
| Application Withdrawn By Applicant | 8 | $1,219,000 | $153,833 | $255,000 | $61,833 | $134,000 |
| File Closed For Incompleteness | 3 | $411,000 | $137,000 | $273,000 | $46,333 | $65,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $1,103,000 | $92,000 | $180,000 | $56,833 | $263,000 |
| Other | 1 | $211,000 | $211,000 | $211,000 | $83,000 | $83,000 |
| Credit History | 1 | $80,000 | $80,000 | $80,000 | $80,000 | $80,000 |
| Debt-To-Income Ratio | 1 | $400,000 | $400,000 | $400,000 | $73,000 | $73,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Templeton Bk & Trust's 2004 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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About