Franklin Bank SSB Mortgage Lending & HMDA Data, 2007

In 2007, Franklin Bank SSB of Houston, TX reported 6,048 mortgage applications totaling $1.2 billion, down 62% from 2006. The average application was for $199,461, and applicants reported an average income of $81,121. 43% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (300), Chicago-Naperville-Joliet, IL (193) and Los Angeles-Long Beach-Glendale, CA (178) (applications in parentheses).

Mortgage Company & Address Franklin Bank SSB
9800 Richmond, Suite 680
Houston, TX 77042
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,048
Total Mortgage Loan Application Amount $1,206,343,000
Average Mortgage Loan Application Amount $199,461
Highest Mortgage Loan Application Amount $2,715,000
Average Applicant Income $81,121
Highest Applicant Income $8,694,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Franklin Bank SSB by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 191 $ 34,370,000 $ 179,947 $ 85,000
Los Angeles, California 178 $ 67,824,000 $ 381,033 $ 97,000
Brazos, Texas 138 $ 23,963,000 $ 173,644 $ 149,000
Cook, Illinois 96 $ 22,390,000 $ 233,229 $ 82,000
Travis, Texas 75 $ 22,400,000 $ 298,666 $ 125,000
Sedgwick, Kansas 74 $ 9,446,000 $ 127,648 $ 64,000
Forsyth, North Carolina 72 $ 9,262,000 $ 128,638 $ 48,000
Guilford, North Carolina 70 $ 9,068,000 $ 129,542 $ 58,000
Smith, Texas 70 $ 10,335,000 $ 147,642 $ 91,000
Montgomery, Ohio 67 $ 6,152,000 $ 91,820 $ 43,000
Henderson, Texas 66 $ 8,669,000 $ 131,348 $ 135,000
Maricopa, Arizona 63 $ 16,200,000 $ 257,142 $ 73,000
Mohave, Arizona 63 $ 14,745,000 $ 234,047 $ 115,000
Bastrop, Texas 61 $ 8,113,000 $ 133,000 $ 81,000
Tarrant, Texas 61 $ 9,261,000 $ 151,819 $ 53,000
Erie, New York 53 $ 4,765,000 $ 89,905 $ 59,000
Dallas, Texas 51 $ 10,834,000 $ 212,431 $ 77,000
Will, Illinois 50 $ 9,185,000 $ 183,700 $ 65,000
Mecklenburg, North Carolina 49 $ 9,157,000 $ 186,877 $ 96,000
Wood, West Virginia 48 $ 5,279,000 $ 109,979 $ 56,000
McLennan, Texas 45 $ 5,179,000 $ 115,088 $ 72,000
Clark, Nevada 43 $ 10,239,000 $ 238,116 $ 81,000
Montgomery, Texas 43 $ 11,090,000 $ 257,906 $ 106,000
San Bernardino, California 42 $ 10,806,000 $ 257,285 $ 72,000
Philadelphia, Pennsylvania 41 $ 6,743,000 $ 164,463 $ 72,000
Union, North Carolina 39 $ 8,046,000 $ 206,307 $ 79,000
Riverside, California 38 $ 11,905,000 $ 313,289 $ 71,000
Orange, California 37 $ 15,682,000 $ 423,837 $ 69,000
LaPorte, Indiana 37 $ 3,807,000 $ 102,891 $ 50,000
Providence, Rhode Island 37 $ 9,198,000 $ 248,594 $ 86,000
Bexar, Texas 35 $ 5,255,000 $ 150,142 $ 66,000
Panola, Texas 35 $ 4,148,000 $ 118,514 $ 60,000
Montgomery, Pennsylvania 34 $ 8,068,000 $ 237,294 $ 98,000
Miami-Dade, Florida 33 $ 10,485,000 $ 317,727 $ 137,000
Fulton, Georgia 31 $ 6,523,000 $ 210,419 $ 74,000
Orange, Florida 30 $ 6,262,000 $ 208,733 $ 43,000
Wayne, Michigan 30 $ 3,267,000 $ 108,900 $ 49,000
Prince George's, Maryland 29 $ 8,413,000 $ 290,103 $ 83,000
Broward, Florida 28 $ 8,243,000 $ 294,392 $ 88,000
St. Louis, Missouri 28 $ 3,721,000 $ 132,892 $ 45,000
Bucks, Pennsylvania 27 $ 7,905,000 $ 292,777 $ 101,000
Fort Bend, Texas 26 $ 4,603,000 $ 177,038 $ 65,000
Hidalgo, Texas 26 $ 2,922,000 $ 112,384 $ 72,000
Cherokee, Texas 25 $ 2,464,000 $ 98,560 $ 57,000
Gregg, Texas 25 $ 2,749,000 $ 109,960 $ 75,000
Wharton, Texas 24 $ 2,152,000 $ 89,666 $ 81,000
San Diego, California 23 $ 9,494,000 $ 412,782 $ 105,000
Williamson, Texas 23 $ 4,148,000 $ 180,347 $ 83,000
Franklin, Ohio 22 $ 2,321,000 $ 105,500 $ 39,000
Rogers, Oklahoma 22 $ 2,391,000 $ 108,681 $ 50,000
Crittenden, Arkansas 21 $ 1,541,000 $ 73,380 $ 27,000
Queen Anne's, Maryland 21 $ 5,339,000 $ 254,238 $ 88,000
Jackson, Missouri 21 $ 2,454,000 $ 116,857 $ 48,000
Berks, Pennsylvania 21 $ 3,045,000 $ 145,000 $ 51,000
Hillsborough, Florida 20 $ 3,529,000 $ 176,450 $ 56,000
Palm Beach, Florida 20 $ 6,708,000 $ 335,400 $ 104,000
Polk, Florida 20 $ 3,806,000 $ 190,300 $ 73,000
DeKalb, Georgia 20 $ 3,540,000 $ 177,000 $ 56,000
Suffolk, New York 20 $ 6,246,000 $ 312,300 $ 92,000
Hamilton, Ohio 20 $ 2,410,000 $ 120,500 $ 62,000
King, Washington 20 $ 7,087,000 $ 354,350 $ 116,000
Lake, Indiana 19 $ 2,117,000 $ 111,421 $ 99,000
Anne Arundel, Maryland 19 $ 6,397,000 $ 336,684 $ 153,000
Buncombe, North Carolina 19 $ 3,502,000 $ 184,315 $ 43,000
Randolph, North Carolina 19 $ 1,980,000 $ 104,210 $ 43,000
Harrison, West Virginia 18 $ 2,215,000 $ 123,055 $ 45,000
Lee, Florida 17 $ 3,839,000 $ 225,823 $ 239,000
Grundy, Illinois 17 $ 3,368,000 $ 198,117 $ 83,000
Johnson, Iowa 17 $ 2,585,000 $ 152,058 $ 44,000
Baltimore, Maryland 17 $ 4,291,000 $ 252,411 $ 82,000
Jefferson, Texas 17 $ 1,556,000 $ 91,529 $ 58,000
Roanoke City, Virginia 17 $ 2,073,000 $ 121,941 $ 47,000
Clark, Washington 17 $ 7,750,000 $ 455,882 $ 24,000
Marion, Florida 16 $ 3,010,000 $ 188,125 $ 116,000
Macomb, Michigan 16 $ 2,747,000 $ 171,687 $ 239,000
Davidson, North Carolina 16 $ 1,648,000 $ 103,000 $ 41,000
El Paso, Texas 16 $ 2,138,000 $ 133,625 $ 52,000
Spokane, Washington 16 $ 3,371,000 $ 210,687 $ 96,000
Butler, Ohio 15 $ 2,047,000 $ 136,466 $ 89,000
Brazoria, Texas 15 $ 2,586,000 $ 172,400 $ 72,000
Denton, Texas 15 $ 3,529,000 $ 235,266 $ 96,000
Roanoke, Virginia 15 $ 2,826,000 $ 188,400 $ 74,000
Sacramento, California 14 $ 3,907,000 $ 279,071 $ 108,000
Chatham, Georgia 14 $ 2,718,000 $ 194,142 $ 60,000
Middlesex, Massachusetts 14 $ 3,745,000 $ 267,500 $ 68,000
Plymouth, Massachusetts 14 $ 4,771,000 $ 340,785 $ 126,000
Oakland, Michigan 14 $ 2,999,000 $ 214,214 $ 57,000
Delaware, Pennsylvania 14 $ 3,385,000 $ 241,785 $ 96,000
Anderson, Texas 14 $ 1,223,000 $ 87,357 $ 71,000
Galveston, Texas 14 $ 2,035,000 $ 145,357 $ 67,000
Utah, Utah 14 $ 4,849,000 $ 346,357 $ 125,000
Pima, Arizona 13 $ 2,391,000 $ 183,923 $ 61,000
Pinal, Arizona 13 $ 2,548,000 $ 196,000 $ 157,000
Kern, California 13 $ 3,388,000 $ 260,615 $ 36,000
Queens, New York 13 $ 5,568,000 $ 428,307 $ 76,000
Washington, Ohio 13 $ 1,242,000 $ 95,538 $ 54,000
York, South Carolina 13 $ 2,644,000 $ 203,384 $ 61,000
Arapahoe, Colorado 12 $ 2,740,000 $ 228,333 $ 154,000
Hartford, Connecticut 12 $ 2,564,000 $ 213,666 $ 86,000
Pinellas, Florida 12 $ 2,447,000 $ 203,916 $ 97,000
Volusia, Florida 12 $ 1,791,000 $ 149,250 $ 57,000
Johnson, Kansas 12 $ 1,766,000 $ 147,166 $ 94,000
Buchanan, Missouri 12 $ 1,367,000 $ 113,916 $ 39,000
St. Louis City, Missouri 12 $ 1,684,000 $ 140,333 $ 68,000
Essex, New Jersey 12 $ 4,397,000 $ 366,416 $ 104,000
Ocean, New Jersey 12 $ 3,437,000 $ 286,416 $ 80,000
Summit, Ohio 12 $ 2,748,000 $ 229,000 $ 32,000
Northampton, Pennsylvania 12 $ 1,940,000 $ 161,666 $ 48,000
Collin, Texas 12 $ 2,830,000 $ 235,833 $ 55,000
Comal, Texas 12 $ 3,338,000 $ 278,166 $ 27,000
Loudoun, Virginia 12 $ 3,730,000 $ 310,833 $ 76,000
Denver, Colorado 11 $ 1,337,000 $ 121,545 $ 73,000
Cobb, Georgia 11 $ 2,286,000 $ 207,818 $ 82,000
Twin Falls, Idaho 11 $ 1,957,000 $ 177,909 $ 69,000
DuPage, Illinois 11 $ 3,491,000 $ 317,363 $ 80,000
Baltimore City, Maryland 11 $ 1,937,000 $ 176,090 $ 98,000
Worcester, Massachusetts 11 $ 2,379,000 $ 216,272 $ 56,000
Camden, New Jersey 11 $ 2,005,000 $ 182,272 $ 92,000
Nassau, New York 11 $ 3,714,000 $ 337,636 $ 153,000
Niagara, New York 11 $ 1,724,000 $ 156,727 $ 75,000
Cabarrus, North Carolina 11 $ 1,211,000 $ 110,090 $ 39,000
Henderson, North Carolina 11 $ 2,169,000 $ 197,181 $ 60,000
Greene, Ohio 11 $ 1,511,000 $ 137,363 $ 56,000
Chester, Pennsylvania 11 $ 3,200,000 $ 290,909 $ 128,000
Ellis, Texas 11 $ 2,758,000 $ 250,727 $ 101,000
Kaufman, Texas 11 $ 1,266,000 $ 115,090 $ 63,000
Chesterfield, Virginia 11 $ 2,191,000 $ 199,181 $ 123,000
Madison, Illinois 10 $ 1,370,000 $ 137,000 $ 63,000
Jefferson, Kentucky 10 $ 1,864,000 $ 186,400 $ 121,000
St. Charles, Missouri 10 $ 2,093,000 $ 209,300 $ 68,000
Hillsborough, New Hampshire 10 $ 2,100,000 $ 210,000 $ 92,000
Bergen, New Jersey 10 $ 3,053,000 $ 305,300 $ 78,000
Bronx, New York 10 $ 3,654,000 $ 365,400 $ 53,000
Haywood, North Carolina 10 $ 2,230,000 $ 223,000 $ 85,000
Stokes, North Carolina 10 $ 1,111,000 $ 111,100 $ 36,000
Wake, North Carolina 10 $ 2,617,000 $ 261,700 $ 120,000
Greenville, South Carolina 10 $ 1,473,000 $ 147,300 $ 49,000
Horry, South Carolina 10 $ 2,003,000 $ 200,300 $ 60,000
Alameda, California 9 $ 4,074,000 $ 452,666 $ 60,000
Adams, Colorado 9 $ 1,709,000 $ 189,888 $ 103,000
Charlotte, Florida 9 $ 3,736,000 $ 415,111 $ 86,000
Duval, Florida 9 $ 1,609,000 $ 178,777 $ 78,000
Ada, Idaho 9 $ 1,208,000 $ 134,222 $ 76,000
Kane, Illinois 9 $ 2,195,000 $ 243,888 $ 83,000
Marion, Indiana 9 $ 946,000 $ 105,111 $ 51,000
Suffolk, Massachusetts 9 $ 5,022,000 $ 558,000 $ 176,000
Gloucester, New Jersey 9 $ 2,108,000 $ 234,222 $ 102,000
Rockingham, North Carolina 9 $ 1,113,000 $ 123,666 $ 55,000
Surry, North Carolina 9 $ 1,400,000 $ 155,555 $ 52,000
Allegheny, Pennsylvania 9 $ 932,000 $ 103,555 $ 47,000
Richland, South Carolina 9 $ 1,880,000 $ 208,888 $ 81,000
Shelby, Tennessee 9 $ 1,802,000 $ 200,222 $ 97,000
New Haven, Connecticut 8 $ 2,087,000 $ 260,875 $ 55,000
Brevard, Florida 8 $ 1,809,000 $ 226,125 $ 92,000
Collier, Florida 8 $ 3,039,000 $ 379,875 $ 88,000
Cherokee, Georgia 8 $ 1,520,000 $ 190,000 $ 85,000
Gwinnett, Georgia 8 $ 1,309,000 $ 163,625 $ 53,000
Essex, Massachusetts 8 $ 1,800,000 $ 225,000 $ 66,000
Hennepin, Minnesota 8 $ 2,023,000 $ 252,875 $ 52,000
Monmouth, New Jersey 8 $ 2,025,000 $ 253,125 $ 100,000
Bernalillo, New Mexico 8 $ 1,987,000 $ 248,375 $ 58,000
Dauphin, Pennsylvania 8 $ 912,000 $ 114,000 $ 45,000
Davidson, Tennessee 8 $ 1,167,000 $ 145,875 $ 66,000
Bell, Texas 8 $ 1,573,000 $ 196,625 $ 99,000
Cameron, Texas 8 $ 676,000 $ 84,500 $ 36,000
Orange, Texas 8 $ 632,000 $ 79,000 $ 80,000
Botetourt, Virginia 8 $ 1,129,000 $ 141,125 $ 49,000
Prince William, Virginia 8 $ 3,006,000 $ 375,750 $ 134,000
Snohomish, Washington 8 $ 2,581,000 $ 322,625 $ 103,000
Fresno, California 7 $ 1,111,000 $ 158,714 $ 38,000
Polk, Georgia 7 $ 599,000 $ 85,571 $ 29,000
Winnebago, Illinois 7 $ 702,000 $ 100,285 $ 100,000
Muscatine, Iowa 7 $ 721,000 $ 103,000 $ 44,000
Caroline, Maryland 7 $ 1,213,000 $ 173,285 $ 185,000
Montgomery, Maryland 7 $ 2,686,000 $ 383,714 $ 139,000
Bristol, Massachusetts 7 $ 1,550,000 $ 221,428 $ 74,000
Kent, Michigan 7 $ 1,601,000 $ 228,714 $ 50,000
Ottawa, Michigan 7 $ 888,000 $ 126,857 $ 55,000
Lancaster, Nebraska 7 $ 1,057,000 $ 151,000 $ 56,000
Washoe, Nevada 7 $ 2,166,000 $ 309,428 $ 89,000
Merrimack, New Hampshire 7 $ 1,549,000 $ 221,285 $ 68,000
Atlantic, New Jersey 7 $ 1,639,000 $ 234,142 $ 73,000
Hudson, New Jersey 7 $ 3,037,000 $ 433,857 $ 100,000
Westchester, New York 7 $ 3,071,000 $ 438,714 $ 104,000
Oklahoma, Oklahoma 7 $ 378,000 $ 54,000 $ 40,000
Tulsa, Oklahoma 7 $ 802,000 $ 114,571 $ 58,000
Luzerne, Pennsylvania 7 $ 859,000 $ 122,714 $ 51,000
Monroe, Pennsylvania 7 $ 1,548,000 $ 221,142 $ 65,000
York, Pennsylvania 7 $ 1,338,000 $ 191,142 $ 59,000
Kent, Rhode Island 7 $ 2,666,000 $ 380,857 $ 113,000
Charleston, South Carolina 7 $ 1,525,000 $ 217,857 $ 67,000
Harrison, Texas 7 $ 1,004,000 $ 143,428 $ 79,000
Randall, Texas 7 $ 934,000 $ 133,428 $ 80,000
Franklin, Vermont 7 $ 996,000 $ 142,285 $ 43,000
Waukesha, Wisconsin 7 $ 1,706,000 $ 243,714 $ 84,000
Jefferson, Alabama 6 $ 870,000 $ 145,000 $ 92,000
Santa Clara, California 6 $ 3,641,000 $ 606,833 $ 133,000
Solano, California 6 $ 2,458,000 $ 409,666 $ 122,000
Tulare, California 6 $ 1,461,000 $ 243,500 $ 83,000
Ventura, California 6 $ 3,461,000 $ 576,833 $ 109,000
El Paso, Colorado 6 $ 1,595,000 $ 265,833 $ 116,000
Jefferson, Colorado 6 $ 2,796,000 $ 466,000 $ 259,000
Weld, Colorado 6 $ 1,851,000 $ 308,500 $ 80,000
Fairfield, Connecticut 6 $ 1,720,000 $ 286,666 $ 61,000
Litchfield, Connecticut 6 $ 1,455,000 $ 242,500 $ 71,000
New Castle, Delaware 6 $ 969,000 $ 161,500 $ 53,000
Osceola, Florida 6 $ 1,112,000 $ 185,333 $ 69,000
Seminole, Florida 6 $ 1,638,000 $ 273,000 $ 50,000
Paulding, Georgia 6 $ 565,000 $ 94,166 $ 61,000
Lake, Illinois 6 $ 2,142,000 $ 357,000 $ 150,000
McHenry, Illinois 6 $ 1,195,000 $ 199,166 $ 81,000
Elkhart, Indiana 6 $ 694,000 $ 115,666 $ 65,000
Hampden, Massachusetts 6 $ 1,376,000 $ 229,333 $ 63,000
Norfolk, Massachusetts 6 $ 1,430,000 $ 238,333 $ 59,000
Grand Traverse, Michigan 6 $ 723,000 $ 120,500 $ 57,000
Kalkaska, Michigan 6 $ 705,000 $ 117,500 $ 53,000
Lee, Mississippi 6 $ 324,000 $ 54,000 $ 32,000
Burlington, New Jersey 6 $ 1,220,000 $ 203,333 $ 54,000
Passaic, New Jersey 6 $ 1,916,000 $ 319,333 $ 93,000
Somerset, New Jersey 6 $ 2,544,000 $ 424,000 $ 113,000
Albany, New York 6 $ 1,245,000 $ 207,500 $ 199,000
Kings, New York 6 $ 2,990,000 $ 498,333 $ 74,000
Monroe, New York 6 $ 475,000 $ 79,166 $ 31,000
Rowan, North Carolina 6 $ 464,000 $ 77,333 $ 40,000
Nueces, Texas 6 $ 892,000 $ 148,666 $ 71,000
Rusk, Texas 6 $ 1,371,000 $ 228,500 $ 56,000
Waller, Texas 6 $ 1,059,000 $ 176,500 $ 130,000
Bedford, Virginia 6 $ 1,830,000 $ 305,000 $ 94,000
Fairfax, Virginia 6 $ 2,887,000 $ 481,166 $ 207,000
Montgomery, Virginia 6 $ 733,000 $ 122,166 $ 111,000
Okanogan, Washington 6 $ 1,209,000 $ 201,500 $ 59,000
Madison, Alabama 5 $ 586,000 $ 117,200 $ 55,000
Shelby, Alabama 5 $ 1,282,000 $ 256,400 $ 163,000
Tuscaloosa, Alabama 5 $ 708,000 $ 141,600 $ 139,000
Boulder, Colorado 5 $ 1,232,000 $ 246,400 $ 51,000
Okaloosa, Florida 5 $ 3,146,000 $ 629,200 $ 82,000
St. Lucie, Florida 5 $ 868,000 $ 173,600 $ 63,000
Hawaii, Hawaii 5 $ 897,000 $ 179,400 $ 53,000
Honolulu, Hawaii 5 $ 1,522,000 $ 304,400 $ 67,000
Butler, Kansas 5 $ 2,037,000 $ 407,400 $ 118,000
Doniphan, Kansas 5 $ 585,000 $ 117,000 $ 153,000
Reno, Kansas 5 $ 432,000 $ 86,400 $ 53,000
Boone, Kentucky 5 $ 802,000 $ 160,400 $ 60,000
East Baton Rouge, Louisiana 5 $ 643,000 $ 128,600 $ 46,000
York, Maine 5 $ 1,150,000 $ 230,000 $ 68,000
Muskegon, Michigan 5 $ 228,000 $ 45,600 $ 54,000
Ogemaw, Michigan 5 $ 513,000 $ 102,600 $ 42,000
Clay, Missouri 5 $ 692,000 $ 138,400 $ 48,000
Mercer, New Jersey 5 $ 1,017,000 $ 203,400 $ 89,000
Dutchess, New York 5 $ 1,397,000 $ 279,400 $ 144,000
Orange, New York 5 $ 1,438,000 $ 287,600 $ 84,000
Halifax, North Carolina 5 $ 935,000 $ 187,000 $ 60,000
Iredell, North Carolina 5 $ 578,000 $ 115,600 $ 69,000
Pitt, North Carolina 5 $ 906,000 $ 181,200 $ 69,000
Athens, Ohio 5 $ 533,000 $ 106,600 $ 43,000
Cuyahoga, Ohio 5 $ 667,000 $ 133,400 $ 59,000
Mahoning, Ohio 5 $ 811,000 $ 162,200 $ 74,000
Westmoreland, Pennsylvania 5 $ 993,000 $ 198,600 $ 96,000
Berkeley, South Carolina 5 $ 850,000 $ 170,000 $ 57,000
Spartanburg, South Carolina 5 $ 755,000 $ 151,000 $ 153,000
Wilson, Tennessee 5 $ 1,058,000 $ 211,600 $ 79,000
Hays, Texas 5 $ 778,000 $ 155,600 $ 292,000
Navarro, Texas 5 $ 557,000 $ 111,400 $ 77,000
Franklin, Virginia 5 $ 2,122,000 $ 424,400 $ 38,000
Henrico, Virginia 5 $ 1,747,000 $ 349,400 $ 140,000
Spotsylvania, Virginia 5 $ 812,000 $ 162,400 $ 71,000
Manitowoc, Wisconsin 5 $ 867,000 $ 173,400 $ 51,000
Milwaukee, Wisconsin 5 $ 776,000 $ 155,200 $ 74,000
Mississippi, Arkansas 4 $ 335,000 $ 83,750 $ 70,000
Contra Costa, California 4 $ 1,342,000 $ 335,500 $ 81,000
Merced, California 4 $ 1,197,000 $ 299,250 $ 182,000
San Joaquin, California 4 $ 1,315,000 $ 328,750 $ 114,000
Siskiyou, California 4 $ 537,000 $ 134,250 $ 72,000
Stanislaus, California 4 $ 1,407,000 $ 351,750 $ 18,000
Douglas, Colorado 4 $ 1,041,000 $ 260,250 $ 93,000
New London, Connecticut 4 $ 644,000 $ 161,000 $ 46,000
Kent, Delaware 4 $ 765,000 $ 191,250 $ 71,000
Sussex, Delaware 4 $ 1,253,000 $ 313,250 $ 92,000
Indian River, Florida 4 $ 929,000 $ 232,250 $ 187,000
Lake, Florida 4 $ 905,000 $ 226,250 $ 71,000
Martin, Florida 4 $ 903,000 $ 225,750 $ 52,000
Pasco, Florida 4 $ 885,000 $ 221,250 $ 87,000
Clayton, Georgia 4 $ 473,000 $ 118,250 $ 41,000
Harris, Georgia 4 $ 1,607,000 $ 401,750 $ 229,000
Allen, Indiana 4 $ 404,000 $ 101,000 $ 38,000
Porter, Indiana 4 $ 546,000 $ 136,500 $ 62,000
Louisa, Iowa 4 $ 333,000 $ 83,250 $ 23,000
Cowley, Kansas 4 $ 283,000 $ 70,750 $ 38,000
Sumner, Kansas 4 $ 314,000 $ 78,500 $ 53,000
St. Tammany, Louisiana 4 $ 517,000 $ 129,250 $ 46,000
Allegan, Michigan 4 $ 677,000 $ 169,250 $ 54,000
Ingham, Michigan 4 $ 519,000 $ 129,750 $ 96,000
Cole, Missouri 4 $ 803,000 $ 200,750 $ 83,000
Franklin, Missouri 4 $ 651,000 $ 162,750 $ 46,000
Jasper, Missouri 4 $ 675,000 $ 168,750 $ 93,000
Jefferson, Missouri 4 $ 560,000 $ 140,000 $ 49,000
Platte, Missouri 4 $ 726,000 $ 181,500 $ 56,000
Rockingham, New Hampshire 4 $ 800,000 $ 200,000 $ 78,000
Sussex, New Jersey 4 $ 892,000 $ 223,000 $ 54,000
New York, New York 4 $ 2,248,000 $ 562,000 $ 125,000
Rockland, New York 4 $ 1,107,000 $ 276,750 $ 65,000
Davie, North Carolina 4 $ 627,000 $ 156,750 $ 56,000
Clermont, Ohio 4 $ 650,000 $ 162,500 $ 52,000
Warren, Ohio 4 $ 520,000 $ 130,000 $ 51,000
Beaver, Pennsylvania 4 $ 618,000 $ 154,500 $ 95,000
Erie, Pennsylvania 4 $ 446,000 $ 111,500 $ 63,000
Lehigh, Pennsylvania 4 $ 566,000 $ 141,500 $ 34,000
Washington, Rhode Island 4 $ 3,319,000 $ 829,750 $ 102,000
Putnam, Tennessee 4 $ 512,000 $ 128,000 $ 48,000
Burnet, Texas 4 $ 836,000 $ 209,000 $ 49,000
Fayette, Texas 4 $ 394,000 $ 98,500 $ 62,000
Hill, Texas 4 $ 291,000 $ 72,750 $ 26,000
Limestone, Texas 4 $ 452,000 $ 113,000 $ 123,000
Matagorda, Texas 4 $ 317,000 $ 79,250 $ 60,000
Upshur, Texas 4 $ 409,000 $ 102,250 $ 67,000
Wood, Texas 4 $ 451,000 $ 112,750 $ 51,000
Weber, Utah 4 $ 522,000 $ 130,500 $ 53,000
Hampton, Virginia 4 $ 959,000 $ 239,750 $ 105,000
Tazewell, Virginia 4 $ 619,000 $ 154,750 $ 73,000
Jackson, West Virginia 4 $ 540,000 $ 135,000 $ 92,000
Jefferson, West Virginia 4 $ 974,000 $ 243,500 $ 72,000
Marion, West Virginia 4 $ 463,000 $ 115,750 $ 50,000
Ritchie, West Virginia 4 $ 308,000 $ 77,000 $ 38,000
Upshur, West Virginia 4 $ 264,000 $ 66,000 $ 35,000
Dane, Wisconsin 4 $ 916,000 $ 229,000 $ 94,000
Mobile, Alabama 3 $ 193,000 $ 64,333 $ 21,000
Navajo, Arizona 3 $ 549,000 $ 183,000 $ 70,000
Yavapai, Arizona 3 $ 640,000 $ 213,333 $ 85,000
Benton, Arkansas 3 $ 363,000 $ 121,000 $ 38,000
Madera, California 3 $ 547,000 $ 182,333 $ 53,000
Marin, California 3 $ 2,332,000 $ 777,333 $ 164,000
Napa, California 3 $ 2,008,000 $ 669,333 $ 171,000
Shasta, California 3 $ 689,000 $ 229,666 $ 33,000
District of Columbia, District Of Columbia 3 $ 938,000 $ 312,666 $ 17,000
Bay, Florida 3 $ 944,000 $ 314,666 $ 62,000
Manatee, Florida 3 $ 766,000 $ 255,333 $ 47,000
Monroe, Florida 3 $ 1,405,000 $ 468,333 $ 117,000
Baldwin, Georgia 3 $ 334,000 $ 111,333 $ 32,000
Bryan, Georgia 3 $ 484,000 $ 161,333 $ 81,000
Douglas, Georgia 3 $ 826,000 $ 275,333 $ 76,000
Fayette, Georgia 3 $ 478,000 $ 159,333 $ 71,000
Forsyth, Georgia 3 $ 1,469,000 $ 489,666 $ 188,000
Hall, Georgia 3 $ 657,000 $ 219,000 $ 51,000
Bonner, Idaho 3 $ 1,026,000 $ 342,000 $ 243,000
Camas, Idaho 3 $ 670,000 $ 223,333 $ 96,000
Nez Perce, Idaho 3 $ 531,000 $ 177,000 $ 58,000
DeKalb, Illinois 3 $ 689,000 $ 229,666 $ 65,000
Peoria, Illinois 3 $ 370,000 $ 123,333 $ 96,000
Sangamon, Illinois 3 $ 302,000 $ 100,666 $ 57,000
Tazewell, Illinois 3 $ 275,000 $ 91,666 $ 55,000
Hamilton, Indiana 3 $ 423,000 $ 141,000 $ 98,000
Jennings, Indiana 3 $ 434,000 $ 144,666 $ 43,000
Scott, Indiana 3 $ 164,000 $ 54,666 $ 0
Iberia, Louisiana 3 $ 328,000 $ 109,333 $ 61,000
Lafayette, Louisiana 3 $ 470,000 $ 156,666 $ 79,000
Rapides, Louisiana 3 $ 175,000 $ 58,333 $ 26,000
Cumberland, Maine 3 $ 1,140,000 $ 380,000 $ 105,000
Carroll, Maryland 3 $ 960,000 $ 320,000 $ 112,000
Howard, Maryland 3 $ 1,116,000 $ 372,000 $ 222,000
Talbot, Maryland 3 $ 513,000 $ 171,000 $ 83,000
Antrim, Michigan 3 $ 691,000 $ 230,333 $ 55,000
Berrien, Michigan 3 $ 443,000 $ 147,666 $ 113,000
Kalamazoo, Michigan 3 $ 296,000 $ 98,666 $ 53,000
Livingston, Michigan 3 $ 1,600,000 $ 533,333 $ 85,000
Sanilac, Michigan 3 $ 345,000 $ 115,000 $ 17,000
St. Louis, Minnesota 3 $ 399,000 $ 133,000 $ 29,000
Hancock, Mississippi 3 $ 355,000 $ 118,333 $ 95,000
Prentiss, Mississippi 3 $ 335,000 $ 111,666 $ 94,000
Camden, Missouri 3 $ 355,000 $ 118,333 $ 83,000
Cass, Missouri 3 $ 617,000 $ 205,666 $ 63,000
Greene, Missouri 3 $ 444,000 $ 148,000 $ 22,000
Macon, Missouri 3 $ 337,000 $ 112,333 $ 66,000
Lyon, Nevada 3 $ 581,000 $ 193,666 $ 58,000
Grafton, New Hampshire 3 $ 284,000 $ 94,666 $ 27,000
Middlesex, New Jersey 3 $ 1,016,000 $ 338,666 $ 48,000
Union, New Jersey 3 $ 874,000 $ 291,333 $ 113,000
Valencia, New Mexico 3 $ 405,000 $ 135,000 $ 51,000
Jefferson, New York 3 $ 195,000 $ 65,000 $ 18,000
Rensselaer, New York 3 $ 338,000 $ 112,666 $ 35,000
Schenectady, New York 3 $ 618,000 $ 206,000 $ 16,000
Steuben, New York 3 $ 574,000 $ 191,333 $ 81,000
Alamance, North Carolina 3 $ 279,000 $ 93,000 $ 48,000
Dare, North Carolina 3 $ 1,084,000 $ 361,333 $ 76,000
Gaston, North Carolina 3 $ 363,000 $ 121,000 $ 38,000
Johnston, North Carolina 3 $ 416,000 $ 138,666 $ 45,000
Lincoln, North Carolina 3 $ 1,151,000 $ 383,666 $ 23,000
New Hanover, North Carolina 3 $ 931,000 $ 310,333 $ 295,000
Orange, North Carolina 3 $ 417,000 $ 139,000 $ 32,000
Person, North Carolina 3 $ 389,000 $ 129,666 $ 33,000
Transylvania, North Carolina 3 $ 1,026,000 $ 342,000 $ 88,000
Wayne, North Carolina 3 $ 261,000 $ 87,000 $ 38,000
Highland, Ohio 3 $ 156,000 $ 52,000 $ 71,000
Lorain, Ohio 3 $ 646,000 $ 215,333 $ 95,000
Lucas, Ohio 3 $ 665,000 $ 221,666 $ 77,000
Miami, Ohio 3 $ 472,000 $ 157,333 $ 59,000
Portage, Ohio 3 $ 676,000 $ 225,333 $ 76,000
Richland, Ohio 3 $ 296,000 $ 98,666 $ 67,000
Stark, Ohio 3 $ 316,000 $ 105,333 $ 47,000
Wagoner, Oklahoma 3 $ 1,033,000 $ 344,333 $ 18,000
Washington, Oregon 3 $ 724,000 $ 241,333 $ 132,000
Yamhill, Oregon 3 $ 542,000 $ 180,666 $ 76,000
Lackawanna, Pennsylvania 3 $ 199,000 $ 66,333 $ 47,000
Lancaster, Pennsylvania 3 $ 524,000 $ 174,666 $ 56,000
Mercer, Pennsylvania 3 $ 192,000 $ 64,000 $ 46,000
Beaufort, South Carolina 3 $ 951,000 $ 317,000 $ 32,000
Florence, South Carolina 3 $ 452,000 $ 150,666 $ 56,000
Laurens, South Carolina 3 $ 573,000 $ 191,000 $ 117,000
Lexington, South Carolina 3 $ 451,000 $ 150,333 $ 58,000
Macon, Tennessee 3 $ 559,000 $ 186,333 $ 108,000
Williamson, Tennessee 3 $ 933,000 $ 311,000 $ 98,000
Bosque, Texas 3 $ 386,000 $ 128,666 $ 105,000
Ector, Texas 3 $ 368,000 $ 122,666 $ 94,000
Falls, Texas 3 $ 235,000 $ 78,333 $ 29,000
Franklin, Texas 3 $ 281,000 $ 93,666 $ 85,000
Grimes, Texas 3 $ 251,000 $ 83,666 $ 59,000
Liberty, Texas 3 $ 343,000 $ 114,333 $ 56,000
Lubbock, Texas 3 $ 496,000 $ 165,333 $ 34,000
Marion, Texas 3 $ 162,000 $ 54,000 $ 49,000
Parker, Texas 3 $ 488,000 $ 162,666 $ 64,000
Washington, Texas 3 $ 477,000 $ 159,000 $ 81,000
Salt Lake, Utah 3 $ 448,000 $ 149,333 $ 76,000
Tooele, Utah 3 $ 682,000 $ 227,333 $ 276,000
Alexandria, Virginia 3 $ 365,000 $ 121,666 $ 73,000
Portsmouth, Virginia 3 $ 443,000 $ 147,666 $ 56,000
Virginia Beach, Virginia 3 $ 585,000 $ 195,000 $ 39,000
Grant, Washington 3 $ 416,000 $ 138,666 $ 68,000
Island, Washington 3 $ 769,000 $ 256,333 $ 83,000
Pierce, Washington 3 $ 636,000 $ 212,000 $ 127,000
Skamania, Washington 3 $ 1,422,000 $ 474,000 $ 199,000
Racine, Wisconsin 3 $ 209,000 $ 69,666 $ 11,000
Rock, Wisconsin 3 $ 329,000 $ 109,666 $ 51,000
Marshall, Alabama 2 $ 179,000 $ 89,500 $ 44,000
Montgomery, Alabama 2 $ 251,000 $ 125,500 $ 58,000
Fairbanks North Star, Alaska 2 $ 412,000 $ 206,000 $ 66,000
Prince of Wales-Outer Ketchikan, Alaska 2 $ 390,000 $ 195,000 $ 75,000
Faulkner, Arkansas 2 $ 143,000 $ 71,500 $ 30,000
Lincoln, Arkansas 2 $ 111,000 $ 55,500 $ 18,000
Amador, California 2 $ 403,000 $ 201,500 $ 79,000
Humboldt, California 2 $ 889,000 $ 444,500 $ 95,000
Inyo, California 2 $ 570,000 $ 285,000 $ 66,000
Lake, California 2 $ 392,000 $ 196,000 $ 72,000
Placer, California 2 $ 1,340,000 $ 670,000 $ 281,000
San Francisco, California 2 $ 947,000 $ 473,500 $ 10,000
San Mateo, California 2 $ 1,440,000 $ 720,000 $ 104,000
Santa Cruz, California 2 $ 795,000 $ 397,500 $ 0
Sonoma, California 2 $ 768,000 $ 384,000 $ 26,000
Yolo, California 2 $ 1,092,000 $ 546,000 $ 243,000
Broomfield, Colorado 2 $ 474,000 $ 237,000 $ 98,000
Routt, Colorado 2 $ 425,000 $ 212,500 $ 97,000
Tolland, Connecticut 2 $ 509,000 $ 254,500 $ 34,000
Windham, Connecticut 2 $ 340,000 $ 170,000 $ 31,000
Alachua, Florida 2 $ 259,000 $ 129,500 $ 39,000
Clay, Florida 2 $ 646,000 $ 323,000 $ 110,000
Escambia, Florida 2 $ 216,000 $ 108,000 $ 29,000
Flagler, Florida 2 $ 272,000 $ 136,000 $ 65,000
Hernando, Florida 2 $ 365,000 $ 182,500 $ 39,000
Santa Rosa, Florida 2 $ 370,000 $ 185,000 $ 143,000
St. Johns, Florida 2 $ 385,000 $ 192,500 $ 94,000
Sumter, Florida 2 $ 852,000 $ 426,000 $ 33,000
Suwannee, Florida 2 $ 436,000 $ 218,000 $ 9,000
Bulloch, Georgia 2 $ 183,000 $ 91,500 $ 29,000
Decatur, Georgia 2 $ 140,000 $ 70,000 $ 31,000
Effingham, Georgia 2 $ 299,000 $ 149,500 $ 53,000
Floyd, Georgia 2 $ 120,000 $ 60,000 $ 71,000
Gilmer, Georgia 2 $ 552,000 $ 276,000 $ 270,000
Muscogee, Georgia 2 $ 691,000 $ 345,500 $ 138,000
Whitfield, Georgia 2 $ 234,000 $ 117,000 $ 50,000
Bingham, Idaho 2 $ 281,000 $ 140,500 $ 118,000
Canyon, Idaho 2 $ 188,000 $ 94,000 $ 21,000
Cassia, Idaho 2 $ 430,000 $ 215,000 $ 62,000
Jefferson, Idaho 2 $ 356,000 $ 178,000 $ 78,000
Minidoka, Idaho 2 $ 385,000 $ 192,500 $ 137,000
Douglas, Illinois 2 $ 211,000 $ 105,500 $ 50,000
Edgar, Illinois 2 $ 231,000 $ 115,500 $ 77,000
Effingham, Illinois 2 $ 174,000 $ 87,000 $ 44,000
LaSalle, Illinois 2 $ 304,000 $ 152,000 $ 80,000
Macon, Illinois 2 $ 620,000 $ 310,000 $ 95,000
Saline, Illinois 2 $ 76,000 $ 38,000 $ 54,000
St. Clair, Illinois 2 $ 202,000 $ 101,000 $ 57,000
Clark, Indiana 2 $ 148,000 $ 74,000 $ 43,000
Howard, Indiana 2 $ 136,000 $ 68,000 $ 53,000
Jackson, Indiana 2 $ 320,000 $ 160,000 $ 37,000
Madison, Indiana 2 $ 294,000 $ 147,000 $ 88,000
Montgomery, Indiana 2 $ 259,000 $ 129,500 $ 75,000
St. Joseph, Indiana 2 $ 262,000 $ 131,000 $ 67,000
Vanderburgh, Indiana 2 $ 100,000 $ 50,000 $ 32,000
Black Hawk, Iowa 2 $ 231,000 $ 115,500 $ 38,000
Cedar, Iowa 2 $ 235,000 $ 117,500 $ 29,000
Henry, Iowa 2 $ 217,000 $ 108,500 $ 28,000
Linn, Iowa 2 $ 510,000 $ 255,000 $ 104,000
Marion, Iowa 2 $ 247,000 $ 123,500 $ 56,000
Polk, Iowa 2 $ 98,000 $ 49,000 $ 61,000
Washington, Iowa 2 $ 226,000 $ 113,000 $ 42,000
Leavenworth, Kansas 2 $ 221,000 $ 110,500 $ 70,000
McPherson, Kansas 2 $ 155,000 $ 77,500 $ 24,000
Riley, Kansas 2 $ 407,000 $ 203,500 $ 94,000
Thomas, Kansas 2 $ 167,000 $ 83,500 $ 46,000
Woodson, Kansas 2 $ 188,000 $ 94,000 $ 53,000
Wyandotte, Kansas 2 $ 229,000 $ 114,500 $ 46,000
Clark, Kentucky 2 $ 222,000 $ 111,000 $ 69,000
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Mortgage Loan Application Detail Totals for Franklin Bank SSB in 2007

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 3,434 $741,298,000 $215,000 $2,715,000 $80,000 $8,694,000
Home Purchase 2,495 $448,146,000 $179,000 $2,479,000 $80,000 $2,970,000
Home Improvement 119 $16,899,000 $142,000 $990,000 $137,000 $1,800,000

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 3,824 $738,634,000 $193,000 $2,715,000 $94,000 $8,694,000
Black or African American 716 $127,871,000 $178,000 $975,000 $67,000 $637,000
Hispanic 564 $113,418,000 $201,000 $1,170,000 $66,000 $396,000
Not applicable 418 $109,602,000 $262,000 $1,920,000 $10,000 $1,123,000
Not Provided 372 $79,970,000 $214,000 $1,200,000 $80,000 $1,354,000
Asian 120 $29,850,000 $248,000 $960,000 $78,000 $802,000
American Indian or Alaskan Native 17 $3,155,000 $185,000 $426,000 $66,000 $193,000
Native Hawaiian or Other Pacific Islander 17 $3,843,000 $226,000 $800,000 $67,000 $141,000

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) 5,040 $1,061,213,000 $210,000 $2,715,000 $86,000 $8,694,000
FHA-insured (Federal Housing Administration) 752 $101,149,000 $134,000 $431,000 $56,000 $396,000
VA-guaranteed (Veterans Administration) 254 $43,838,000 $172,000 $419,000 $62,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $143,000 $71,000 $85,000 $42,000 $42,000

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 2,591 $482,317,000 $186,000 $2,479,000 $89,000 $8,694,000
Application Withdrawn By Applicant 1,283 $251,510,000 $196,000 $1,500,000 $82,000 $1,559,000
Application Denied By Financial Institution 1,236 $247,008,000 $199,000 $2,715,000 $84,000 $1,500,000
Application Approved But Not Accepted 424 $105,262,000 $248,000 $1,859,000 $97,000 $809,000
Loan Purchased By The Institution 394 $97,894,000 $248,000 $1,920,000 $1,000 $296,000
File Closed For Incompleteness 120 $22,352,000 $186,000 $1,260,000 $81,000 $480,000
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 Franklin Bank SSB's 2007 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 Bank SSB'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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