Franklin Templeton Bk & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Franklin Templeton Bk & Trust of Salt Lake City, UT reported 222 mortgage applications totaling $34.5 million. The average application was for $155,207, and applicants reported an average income of $95,189. 84% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (33), Sacramento, CA (25) and Oakland, CA (8) (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 | 222 |
| Total Mortgage Loan Application Amount | $34,456,000 |
| Average Mortgage Loan Application Amount | $155,207 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $95,189 |
| Highest Applicant Income | $2,043,000 |
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records Franklin Templeton Bk & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL | 33 | $ 3,701,000 | $ 112,151 | $ 59,000 |
| Sacramento, CA | 25 | $ 4,385,000 | $ 175,400 | $ 72,000 |
| Oakland, CA | 8 | $ 1,713,000 | $ 214,125 | $ 81,000 |
| San Francisco, CA | 8 | $ 2,182,000 | $ 272,750 | $ 128,000 |
| Fort Lauderdale, FL | 7 | $ 1,106,000 | $ 158,000 | $ 83,000 |
| Salt Lake City-Ogden, UT | 7 | $ 771,000 | $ 110,142 | $ 176,000 |
| Riverside-San Bernardino, CA | 6 | $ 744,000 | $ 124,000 | $ 98,000 |
| New York, NY | 4 | $ 1,444,000 | $ 361,000 | $ 185,000 |
| San Diego, CA | 4 | $ 479,000 | $ 119,750 | $ 49,000 |
| Las Vegas, NV-AZ | 3 | $ 1,423,000 | $ 474,333 | $ 200,000 |
| Los Angeles-Long Beach, CA | 3 | $ 393,000 | $ 131,000 | $ 74,000 |
| Newark, NJ | 3 | $ 904,000 | $ 301,333 | $ 204,000 |
| Portland-Vancouver, OR-WA | 3 | $ 289,000 | $ 96,333 | $ 52,000 |
| San Jose, CA | 3 | $ 521,000 | $ 173,666 | $ 60,000 |
| Yolo, CA | 3 | $ 790,000 | $ 263,333 | $ 79,000 |
| Atlanta, GA | 2 | $ 412,000 | $ 206,000 | $ 134,000 |
| Chicago, IL | 2 | $ 225,000 | $ 112,500 | $ 72,000 |
| Colorado Springs, CO | 2 | $ 121,000 | $ 60,500 | $ 40,000 |
| Detroit, MI | 2 | $ 223,000 | $ 111,500 | $ 34,000 |
| Indianapolis, IN | 2 | $ 307,000 | $ 153,500 | $ 102,000 |
| Monmouth-Ocean, NJ | 2 | $ 183,000 | $ 91,500 | $ 40,000 |
| Nassau-Suffolk, NY | 2 | $ 595,000 | $ 297,500 | $ 96,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 2 | $ 253,000 | $ 126,500 | $ 111,000 |
| Omaha, NE-IA | 2 | $ 221,000 | $ 110,500 | $ 91,000 |
| Philadelphia, PA-NJ | 2 | $ 120,000 | $ 60,000 | $ 44,000 |
| Pittsburgh, PA | 2 | $ 124,000 | $ 62,000 | $ 56,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 468,000 | $ 234,000 | $ 94,000 |
| Vallejo-Fairfield-Napa, CA | 2 | $ 436,000 | $ 218,000 | $ 117,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 100,000 | $ 100,000 | $ 119,000 |
| Albuquerque, NM | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Bakersfield, CA | 1 | $ 103,000 | $ 103,000 | $ 99,000 |
| Burlington, VT | 1 | $ 170,000 | $ 170,000 | $ 88,000 |
| Charlottesville, VA | 1 | $ 104,000 | $ 104,000 | $ 92,000 |
| Clarksville-Hopkinsville, TN-KY | 1 | $ 113,000 | $ 113,000 | $ 68,000 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 99,000 | $ 99,000 | $ 45,000 |
| Fayetteville, NC | 1 | $ 71,000 | $ 71,000 | $ 68,000 |
| Fayetteville-Springdale-Rogers, AR | 1 | $ 89,000 | $ 89,000 | $ 72,000 |
| Fort Worth-Arlington, TX | 1 | $ 93,000 | $ 93,000 | $ 68,000 |
| Fresno, CA | 1 | $ 83,000 | $ 83,000 | $ 49,000 |
| Hartford, CT | 1 | $ 263,000 | $ 263,000 | $ 62,000 |
| Honolulu, HI | 1 | $ 187,000 | $ 187,000 | $ 102,000 |
| Iowa City, IA | 1 | $ 84,000 | $ 84,000 | $ 74,000 |
| Jackson, MI | 1 | $ 61,000 | $ 61,000 | $ 28,000 |
| Jacksonville, FL | 1 | $ 96,000 | $ 96,000 | $ 64,000 |
| Jacksonville, NC | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Lafayette, IN | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Lansing-East Lansing, MI | 1 | $ 51,000 | $ 51,000 | $ 49,000 |
| Longview-Marshall, TX | 1 | $ 137,000 | $ 137,000 | $ 200,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 87,000 | $ 87,000 | $ 125,000 |
| Miami, FL | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| Middlesex-Somerset-Hunterdon, NJ | 1 | $ 121,000 | $ 121,000 | $ 105,000 |
| Mobile, AL | 1 | $ 216,000 | $ 216,000 | $ 102,000 |
| Modesto, CA | 1 | $ 109,000 | $ 109,000 | $ 39,000 |
| Orange County, CA | 1 | $ 183,000 | $ 183,000 | $ 50,000 |
| Pensacola, FL | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Phoenix-Mesa, AZ | 1 | $ 136,000 | $ 136,000 | $ 21,000 |
| Reno, NV | 1 | $ 58,000 | $ 58,000 | $ 40,000 |
| San Antonio, TX | 1 | $ 300,000 | $ 300,000 | $ 220,000 |
| Sarasota-Bradenton, FL | 1 | $ 323,000 | $ 323,000 | $ 138,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 213,000 | $ 213,000 | $ 96,000 |
| Shreveport-Bossier City, LA | 1 | $ 73,000 | $ 73,000 | $ 66,000 |
| St. Louis, MO-IL | 1 | $ 166,000 | $ 166,000 | $ 39,000 |
| Stockton-Lodi, CA | 1 | $ 142,000 | $ 142,000 | $ 31,000 |
| Tucson, AZ | 1 | $ 41,000 | $ 41,000 | $ 67,000 |
| Tulsa, OK | 1 | $ 107,000 | $ 107,000 | $ 71,000 |
| Utica-Rome, NY | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| Washington, DC-MD-VA-WV | 1 | $ 323,000 | $ 323,000 | $ 148,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 158,000 | $ 158,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for Franklin Templeton Bk & Trust in 2003
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 (home purchase or home improvement, one-to-four family) | 192 | $27,769,000 | $134,540 | $630,000 | $83,054 | $330,000 |
| Home Purchase (one-to-four family) | 30 | $6,687,000 | $304,000 | $1,100,000 | $316,333 | $2,043,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 127 | $20,027,000 | $162,714 | $1,000,000 | $165,000 | $2,043,000 |
| Information not provided by applicant in mail or telephone application | 69 | $9,986,000 | $145,304 | $1,100,000 | $79,652 | $476,000 |
| Hispanic | 11 | $1,878,000 | $135,250 | $274,000 | $63,750 | $116,000 |
| Asian or Pacific Islander | 7 | $1,528,000 | $217,000 | $283,000 | $99,333 | $162,000 |
| Other | 5 | $741,000 | $137,750 | $200,000 | $66,500 | $105,000 |
| Black | 3 | $296,000 | $98,666 | $123,000 | $55,000 | $89,000 |
| American Indian or Alaskan Native | 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) | 222 | $34,456,000 | $150,837 | $1,100,000 | $113,540 | $2,043,000 |
| 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 | 187 | $29,251,000 | $152,270 | $1,100,000 | $115,324 | $2,043,000 |
| Application Withdrawn By Applicant | 17 | $1,977,000 | $116,111 | $205,000 | $65,111 | $112,000 |
| File Closed For Incompleteness | 7 | $890,000 | $117,000 | $272,000 | $56,600 | $162,000 |
| Application Approved But Not Accepted | 7 | $1,063,000 | $164,750 | $300,000 | $101,000 | $220,000 |
| Application Denied By Financial Institution | 4 | $1,275,000 | $318,750 | $1,000,000 | $150,000 | $455,000 |
| Loan Purchased By The 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 | 2 | $1,072,000 | $536,000 | $1,000,000 | $246,000 | $455,000 |
| Other | 1 | $93,000 | $93,000 | $93,000 | $68,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $110,000 | $110,000 | $110,000 | $40,000 | $40,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Templeton Bk & Trust's 2003 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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with aggregated HMDA statistics today.
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