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records Franklin Templeton Bk & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 23 | $ 2,890,000 | $ 125,652 | $ 69,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 16 | $ 2,896,000 | $ 181,000 | $ 81,000 |
| New York-Wayne-White Plains, NY-NJ | 9 | $ 3,142,000 | $ 349,111 | $ 166,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,378,000 | $ 172,250 | $ 84,000 |
| Philadelphia, PA | 4 | $ 575,000 | $ 143,750 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 840,000 | $ 210,000 | $ 87,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 1,111,000 | $ 277,750 | $ 97,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 835,000 | $ 278,333 | $ 65,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 417,000 | $ 139,000 | $ 70,000 |
| Edison, NJ | 3 | $ 592,000 | $ 197,333 | $ 116,000 |
| Houston-Baytown-Sugar Land, TX | 3 | $ 572,000 | $ 190,666 | $ 150,000 |
| Salt Lake City, UT | 3 | $ 317,000 | $ 105,666 | $ 70,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 1,000,000 | $ 333,333 | $ 259,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 183,000 | $ 91,500 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 211,000 | $ 105,500 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 247,000 | $ 123,500 | $ 40,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 305,000 | $ 152,500 | $ 141,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 798,000 | $ 399,000 | $ 262,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 406,000 | $ 203,000 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 584,000 | $ 292,000 | $ 156,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Camden, NJ | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Carson City, NV | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Charleston-North Charleston, SC | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Charlottesville, VA | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Dallas-Plano-Irving, TX | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Flagstaff, AZ | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Lafayette, LA | 1 | $ 255,000 | $ 255,000 | $ 138,000 |
| Las Vegas-Paradise, NV | 1 | $ 287,000 | $ 287,000 | $ 102,000 |
| Lincoln, NE | 1 | $ 234,000 | $ 234,000 | $ 135,000 |
| Memphis, TN-MS-AR | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 174,000 | $ 174,000 | $ 100,000 |
| Morgantown, WV | 1 | $ 88,000 | $ 88,000 | $ 66,000 |
| Napa, CA | 1 | $ 48,000 | $ 48,000 | $ 64,000 |
| Nassau-Suffolk, NY | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Orlando, FL | 1 | $ 199,000 | $ 199,000 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 24,000 | $ 24,000 | $ 59,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Provo-Orem, UT | 1 | $ 130,000 | $ 130,000 | $ 86,000 |
| Punta Gorda, FL | 1 | $ 334,000 | $ 334,000 | $ 158,000 |
| Rochester, NY | 1 | $ 134,000 | $ 134,000 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Stockton, CA | 1 | $ 264,000 | $ 264,000 | $ 126,000 |
| Tyler, TX | 1 | $ 86,000 | $ 86,000 | $ 73,000 |
| Vero Beach, FL | 1 | $ 86,000 | $ 86,000 | $ 33,000 |
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.
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with aggregated HMDA statistics today.
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