Talmer B&Tc Mortgage Lending & HMDA Data, 2016
In 2016, Talmer B&Tc of Troy, MI reported 8,017 mortgage applications totaling $1.7 billion. The average application was for $212,891, and applicants reported an average income of $123,186. 72% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (2,538), Cincinnati, OH-KY-IN (1,282) and Detroit-Dearborn-Livonia, MI (667) (applications in parentheses).
| Mortgage Company & Address | Talmer B&Tc 2301 W Big Beaver Rd Troy, MI 48084 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 |
| Total Number of Mortgage Applications | 8,017 |
| Total Mortgage Loan Application Amount | $1,706,754,000 |
| Average Mortgage Loan Application Amount | $212,891 |
| Highest Mortgage Loan Application Amount | $32,900,000 |
| Average Applicant Income | $123,186 |
| Highest Applicant Income | $3,336,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Talmer B&Tc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Warren-Troy-Farmington Hills, MI | 2,538 | $ 590,900,000 | $ 232,821 | $ 140,000 |
| Cincinnati, OH-KY-IN | 1,282 | $ 265,824,000 | $ 207,351 | $ 124,531 |
| Detroit-Dearborn-Livonia, MI | 667 | $ 140,673,000 | $ 210,904 | $ 118,000 |
| Cleveland-Elyria, OH | 410 | $ 88,813,000 | $ 216,617 | $ 95,000 |
| Grand Rapids-Wyoming, MI | 385 | $ 84,081,000 | $ 218,392 | $ 86,000 |
| Dayton, OH | 276 | $ 50,109,000 | $ 181,554 | $ 108,000 |
| Columbus, OH | 275 | $ 62,243,000 | $ 226,338 | $ 130,000 |
| Indianapolis-Carmel-Anderson, IN | 265 | $ 25,464,000 | $ 96,090 | $ 129,000 |
| Youngstown-Warren-Boardman, OH-PA | 253 | $ 25,802,000 | $ 101,984 | $ 70,901 |
| Ann Arbor, MI | 220 | $ 53,489,000 | $ 243,131 | $ 139,000 |
| Flint, MI | 165 | $ 21,559,000 | $ 130,660 | $ 77,000 |
| Kansas City, MO-KS | 123 | $ 7,747,000 | $ 62,983 | $ 109,243 |
| Akron, OH | 110 | $ 18,668,000 | $ 169,709 | $ 100,000 |
| Birmingham-Hoover, AL | 48 | $ 2,795,000 | $ 58,229 | $ 123,000 |
| Silver Spring-Frederick-Rockville, MD | 43 | $ 15,700,000 | $ 365,116 | $ 157,000 |
| Toledo, OH | 41 | $ 7,008,000 | $ 170,926 | $ 113,000 |
| Chicago-Naperville-Arlington Heights, IL | 38 | $ 44,684,000 | $ 1,175,894 | $ 181,000 |
| Memphis, TN-MS-AR | 29 | $ 1,725,000 | $ 59,482 | $ 111,793 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 29 | $ 11,024,000 | $ 380,137 | $ 222,689 |
| Baltimore-Columbia-Towson, MD | 21 | $ 5,770,000 | $ 274,761 | $ 128,000 |
| Kalamazoo-Portage, MI | 21 | $ 2,128,000 | $ 101,333 | $ 233,000 |
| Lansing-East Lansing, MI | 19 | $ 2,260,000 | $ 118,947 | $ 55,000 |
| Jackson, MI | 17 | $ 2,813,000 | $ 165,470 | $ 103,000 |
| Monroe, MI | 17 | $ 2,935,000 | $ 172,647 | $ 76,000 |
| Elkhart-Goshen, IN | 16 | $ 1,975,000 | $ 123,437 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 15 | $ 2,047,000 | $ 136,466 | $ 122,000 |
| Saginaw, MI | 15 | $ 2,120,000 | $ 141,333 | $ 89,000 |
| St. Louis, MO-IL | 14 | $ 1,073,000 | $ 76,642 | $ 105,000 |
| Bay City, MI | 13 | $ 6,366,000 | $ 489,692 | $ 4,000 |
| Canton-Massillon, OH | 12 | $ 1,434,000 | $ 119,500 | $ 64,000 |
| Muskegon, MI | 12 | $ 2,570,000 | $ 214,166 | $ 125,000 |
| Louisville/Jefferson County, KY-IN | 10 | $ 2,548,000 | $ 254,800 | $ 134,400 |
| Naples-Immokalee-Marco Island, FL | 10 | $ 3,469,000 | $ 346,900 | $ 305,000 |
| Charlotte-Concord-Gastonia, NC-SC | 9 | $ 985,000 | $ 109,444 | $ 96,000 |
| North Port-Sarasota-Bradenton, FL | 9 | $ 5,157,000 | $ 573,000 | $ 353,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 2,682,000 | $ 335,250 | $ 197,000 |
| Jacksonville, FL | 8 | $ 1,638,000 | $ 204,750 | $ 121,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 2,943,000 | $ 367,875 | $ 160,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 2,017,000 | $ 252,125 | $ 121,000 |
| Knoxville, TN | 7 | $ 1,828,000 | $ 261,142 | $ 225,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 3,827,000 | $ 546,714 | $ 253,857 |
| Lexington-Fayette, KY | 7 | $ 1,168,000 | $ 166,857 | $ 140,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 2,499,000 | $ 357,000 | $ 169,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,537,000 | $ 505,285 | $ 387,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 3,675,000 | $ 525,000 | $ 352,000 |
| Gary, IN | 6 | $ 14,159,000 | $ 2,359,833 | $ 86,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,465,000 | $ 410,833 | $ 115,000 |
| Springfield, OH | 6 | $ 1,043,000 | $ 173,833 | $ 72,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,821,000 | $ 364,200 | $ 191,000 |
| Battle Creek, MI | 5 | $ 583,000 | $ 116,600 | $ 117,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,887,000 | $ 377,400 | $ 210,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,377,000 | $ 275,400 | $ 150,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 924,000 | $ 184,800 | $ 114,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,801,000 | $ 700,250 | $ 272,000 |
| Philadelphia, PA | 4 | $ 648,000 | $ 162,000 | $ 117,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 2,225,000 | $ 556,250 | $ 167,000 |
| Appleton, WI | 3 | $ 652,000 | $ 217,333 | $ 146,000 |
| Chattanooga, TN-GA | 3 | $ 2,006,000 | $ 668,666 | $ 219,000 |
| Colorado Springs, CO | 3 | $ 830,000 | $ 276,666 | $ 55,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 415,000 | $ 138,333 | $ 70,000 |
| Madison, WI | 3 | $ 239,000 | $ 79,666 | $ 66,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,416,000 | $ 472,000 | $ 248,000 |
| Albany, GA | 2 | $ 154,000 | $ 77,000 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,090,000 | $ 545,000 | $ 130,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 621,000 | $ 310,500 | $ 154,000 |
| Casper, WY | 2 | $ 855,000 | $ 427,500 | $ 456,000 |
| Champaign-Urbana, IL | 2 | $ 634,000 | $ 317,000 | $ 104,000 |
| Charleston-North Charleston, SC | 2 | $ 779,000 | $ 389,500 | $ 210,000 |
| Charlottesville, VA | 2 | $ 419,000 | $ 209,500 | $ 208,000 |
| Columbia, SC | 2 | $ 311,000 | $ 155,500 | $ 34,000 |
| Columbus, IN | 2 | $ 231,000 | $ 115,500 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 176,000 | $ 88,000 | $ 379,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 457,000 | $ 228,500 | $ 74,000 |
| Dothan, AL | 2 | $ 436,000 | $ 218,000 | $ 99,000 |
| Fort Collins, CO | 2 | $ 633,000 | $ 316,500 | $ 77,000 |
| Fort Wayne, IN | 2 | $ 224,000 | $ 112,000 | $ 79,000 |
| Gainesville, FL | 2 | $ 227,000 | $ 113,500 | $ 186,000 |
| Huntsville, AL | 2 | $ 130,000 | $ 65,000 | $ 28,000 |
| Kokomo, IN | 2 | $ 182,000 | $ 91,000 | $ 121,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 336,000 | $ 168,000 | $ 76,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 223,000 | $ 111,500 | $ 69,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 713,000 | $ 356,500 | $ 89,500 |
| Oklahoma City, OK | 2 | $ 280,000 | $ 140,000 | $ 103,000 |
| Parkersburg-Vienna, WV | 2 | $ 649,000 | $ 324,500 | $ 391,000 |
| Racine, WI | 2 | $ 483,000 | $ 241,500 | $ 85,000 |
| Raleigh, NC | 2 | $ 523,000 | $ 261,500 | $ 112,000 |
| Rockingham County-Strafford County, NH | 2 | $ 352,000 | $ 176,000 | $ 121,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 809,000 | $ 404,500 | $ 165,000 |
| Sebastian-Vero Beach, FL | 2 | $ 978,000 | $ 489,000 | $ 502,000 |
| The Villages, FL | 2 | $ 381,000 | $ 190,500 | $ 116,000 |
| Albuquerque, NM | 1 | $ 286,000 | $ 286,000 | $ 127,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 207,000 | $ 207,000 | $ 59,000 |
| Baton Rouge, LA | 1 | $ 329,000 | $ 329,000 | $ 236,000 |
| Boston, MA | 1 | $ 508,000 | $ 508,000 | $ 113,000 |
| Clarksville, TN-KY | 1 | $ 48,000 | $ 48,000 | $ 17,000 |
| Cleveland, TN | 1 | $ 374,000 | $ 374,000 | $ 150,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| East Stroudsburg, PA | 1 | $ 134,000 | $ 134,000 | $ 141,000 |
| Elgin, IL | 1 | $ 262,000 | $ 262,000 | $ 106,000 |
| Evansville, IN-KY | 1 | $ 32,000 | $ 32,000 | $ 99,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 289,000 | $ 289,000 | $ 125,000 |
| Gettysburg, PA | 1 | $ 426,000 | $ 426,000 | $ 244,000 |
| Green Bay, WI | 1 | $ 204,000 | $ 204,000 | $ 129,000 |
| Greensboro-High Point, NC | 1 | $ 188,000 | $ 188,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 220,000 | $ 220,000 | $ 118,000 |
| Homosassa Springs, FL | 1 | $ 268,000 | $ 268,000 | $ 184,000 |
| Lakeland-Winter Haven, FL | 1 | $ 82,000 | $ 82,000 | $ 378,000 |
| Lima, OH | 1 | $ 206,000 | $ 206,000 | $ 150,000 |
| Lincoln, NE | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Lynchburg, VA | 1 | $ 429,000 | $ 429,000 | $ 429,000 |
| Mansfield, OH | 1 | $ 120,000 | $ 120,000 | $ 99,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 347,000 | $ 347,000 | $ 158,000 |
| Michigan City-La Porte, IN | 1 | $ 214,000 | $ 214,000 | $ 93,000 |
| Midland, MI | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 350,000 | $ 350,000 | $ 273,000 |
| Muncie, IN | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Napa, CA | 1 | $ 440,000 | $ 440,000 | $ 149,000 |
| Nassau County-Suffolk County, NY | 1 | $ 624,000 | $ 624,000 | $ 252,000 |
| Niles-Benton Harbor, MI | 1 | $ 800,000 | $ 800,000 | $ 330,000 |
| Owensboro, KY | 1 | $ 116,000 | $ 116,000 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 398,000 |
| Peoria, IL | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| Pittsburgh, PA | 1 | $ 223,000 | $ 223,000 | $ 106,000 |
| Port St. Lucie, FL | 1 | $ 520,000 | $ 520,000 | $ 363,000 |
| Portland-South Portland, ME | 1 | $ 160,000 | $ 160,000 | $ 232,000 |
| Punta Gorda, FL | 1 | $ 238,000 | $ 238,000 | $ 124,000 |
| Richmond, VA | 1 | $ 190,000 | $ 190,000 | $ 68,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Salisbury, MD-DE | 1 | $ 269,000 | $ 269,000 | $ 143,000 |
| San Rafael, CA | 1 | $ 417,000 | $ 417,000 | $ 105,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 727,000 | $ 727,000 | $ 225,000 |
| Savannah, GA | 1 | $ 157,000 | $ 157,000 | $ 46,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 191,000 | $ 191,000 | $ 75,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 845,000 | $ 845,000 | $ 263,000 |
| Terre Haute, IN | 1 | $ 60,000 | $ 60,000 | $ 100,000 |
| Tucson, AZ | 1 | $ 165,000 | $ 165,000 | $ 139,000 |
| Tuscaloosa, AL | 1 | $ 80,000 | $ 80,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Talmer B&Tc in 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,767 | $982,772,000 | $206,000 | $32,900,000 | $117,000 | $2,243,000 |
| Refinancing | 2,932 | $664,160,000 | $226,000 | $3,413,000 | $135,000 | $3,336,000 |
| Home Improvement | 318 | $59,822,000 | $188,000 | $1,725,000 | $107,000 | $750,000 |
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 | 6,347 | $1,302,604,000 | $205,000 | $2,203,000 | $127,000 | $3,336,000 |
| Not Provided | 695 | $125,022,000 | $179,000 | $1,520,000 | $128,000 | $780,000 |
| Asian | 384 | $77,820,000 | $202,000 | $2,322,000 | $126,000 | $1,076,000 |
| Black or African American | 259 | $40,247,000 | $155,000 | $1,387,000 | $93,000 | $630,000 |
| Hispanic | 155 | $27,036,000 | $174,000 | $720,000 | $122,000 | $795,000 |
| Not applicable | 142 | $129,607,000 | $912,000 | $32,900,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 19 | $2,625,000 | $138,000 | $540,000 | $81,000 | $271,000 |
| American Indian or Alaskan Native | 16 | $1,793,000 | $112,000 | $285,000 | $91,000 | $168,000 |
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) | 6,955 | $1,556,096,000 | $223,000 | $32,900,000 | $133,000 | $3,336,000 |
| FHA-insured (Federal Housing Administration) | 861 | $112,599,000 | $130,000 | $353,000 | $58,000 | $804,000 |
| VA-guaranteed (Veterans Administration) | 148 | $30,523,000 | $206,000 | $562,000 | $84,000 | $660,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $7,536,000 | $142,000 | $333,000 | $52,000 | $107,000 |
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 | 5,765 | $1,201,941,000 | $208,000 | $3,413,000 | $128,000 | $3,336,000 |
| Application Withdrawn By Applicant | 974 | $228,544,000 | $234,000 | $2,313,000 | $128,000 | $1,800,000 |
| Application Denied By Financial Institution | 505 | $124,054,000 | $245,000 | $32,900,000 | $74,000 | $942,000 |
| Application Approved But Not Accepted | 439 | $78,594,000 | $179,000 | $1,215,000 | $119,000 | $2,243,000 |
| File Closed For Incompleteness | 334 | $73,621,000 | $220,000 | $2,203,000 | $121,000 | $1,000,000 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Talmer B&Tc's 2016 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 Talmer B&Tc'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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