Franklin Templeton Bk & Trust Mortgage Lending & HMDA Data, 2010
In 2010, Franklin Templeton Bk & Trust of Salt Lake City, UT reported 41 mortgage applications totaling $40.7 million, up 24% from 2009. The average application was for $992,463, and applicants reported an average income of $310,317. 83% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (9), San Francisco-San Mateo-Redwood City, CA (6) 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 | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 41 |
| Total Mortgage Loan Application Amount | $40,691,000 |
| Average Mortgage Loan Application Amount | $992,463 |
| Highest Mortgage Loan Application Amount | $3,955,000 |
| Average Applicant Income | $310,317 |
| Highest Applicant Income | $2,668,000 |
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records Franklin Templeton Bk & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 10,173,000 | $ 1,130,333 | $ 204,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 4,118,000 | $ 686,333 | $ 79,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 2,185,000 | $ 728,333 | $ 402,666 |
| Nassau-Suffolk, NY | 2 | $ 1,153,000 | $ 576,500 | $ 144,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 2,640,000 | $ 1,320,000 | $ 46,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 2,234,000 | $ 1,117,000 | $ 0 |
| Bend, OR | 1 | $ 1,100,000 | $ 1,100,000 | $ 423,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 920,000 | $ 920,000 | $ 389,000 |
| Birmingham-Hoover, AL | 1 | $ 300,000 | $ 300,000 | $ 192,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 796,000 | $ 796,000 | $ 1,409,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 1,100,000 | $ 1,100,000 | $ 359,000 |
| Durham-Chapel Hill, NC | 1 | $ 1,100,000 | $ 1,100,000 | $ 122,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 2,500,000 | $ 2,500,000 | $ 528,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 1,100,000 | $ 1,100,000 | $ 2,668,000 |
| Salinas, CA | 1 | $ 3,955,000 | $ 3,955,000 | $ 1,611,000 |
| Salt Lake City, UT | 1 | $ 1,000,000 | $ 1,000,000 | $ 229,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 1,020,000 | $ 1,020,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 575,000 | $ 575,000 | $ 208,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 645,000 | $ 645,000 | $ 300,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 865,000 | $ 865,000 | $ 278,000 |
Mortgage Loan Application Detail Totals for Franklin Templeton Bk & Trust in 2010
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 | 29 | $31,261,000 | $1,077,000 | $3,955,000 | $351,000 | $2,668,000 |
| Home Purchase | 12 | $9,430,000 | $785,000 | $2,425,000 | $212,000 | $655,000 |
| 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 | 18 | $16,726,000 | $929,000 | $3,955,000 | $517,000 | $2,668,000 |
| Not applicable | 15 | $13,485,000 | $899,000 | $1,900,000 | $0 | $0 |
| Not Provided | 8 | $10,480,000 | $1,310,000 | $2,500,000 | $429,000 | $623,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 41 | $40,691,000 | $992,000 | $3,955,000 | $310,000 | $2,668,000 |
| 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 | 34 | $32,436,000 | $954,000 | $3,955,000 | $356,000 | $2,668,000 |
| Application Withdrawn By Applicant | 4 | $4,770,000 | $1,192,000 | $2,500,000 | $132,000 | $528,000 |
| Application Denied By Financial Institution | 3 | $3,485,000 | $1,161,000 | $2,425,000 | $34,000 | $93,000 |
| 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 | 2 | $3,270,000 | $1,635,000 | $2,425,000 | $5,000 | $10,000 |
| Other | 1 | $215,000 | $215,000 | $215,000 | $93,000 | $93,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Templeton Bk & Trust's 2010 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.
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