Franklin Bank SSB Mortgage Lending & HMDA Data, 2004

In 2004, Franklin Bank SSB of Houston, TX reported 13,284 mortgage applications totaling $3.2 billion, up 76% from 2003. The average application was for $238,218, and applicants reported an average income of $60,026. 27% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (674), Los Angeles-Long Beach-Glendale, CA (588) and Santa Ana-Anaheim-Irvine, CA (481) (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 13,284
Total Mortgage Loan Application Amount $3,164,492,000
Average Mortgage Loan Application Amount $238,218
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $60,026
Highest Applicant Income $7,800,000

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Act (HMDA) records Franklin Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 588 $ 267,193,000 $ 454,409 $ 122,000
Orange, California 481 $ 226,781,000 $ 471,478 $ 131,000
Harris, Texas 469 $ 67,978,000 $ 144,942 $ 70,000
San Diego, California 391 $ 184,205,000 $ 471,112 $ 172,000
McLennan, Texas 249 $ 28,227,000 $ 113,361 $ 54,000
Winnebago, Illinois 233 $ 23,169,000 $ 99,437 $ 40,000
Smith, Texas 226 $ 25,263,000 $ 111,783 $ 65,000
Clark, Nevada 222 $ 64,189,000 $ 289,139 $ 63,000
Santa Clara, California 211 $ 104,257,000 $ 494,109 $ 109,000
Riverside, California 205 $ 68,940,000 $ 336,292 $ 72,000
Maricopa, Arizona 200 $ 46,268,000 $ 231,340 $ 66,000
Wood, West Virginia 192 $ 14,253,000 $ 74,234 $ 38,000
Webb, Texas 186 $ 16,049,000 $ 86,284 $ 37,000
Alameda, California 162 $ 75,308,000 $ 464,864 $ 120,000
Montgomery, Ohio 140 $ 12,896,000 $ 92,114 $ 44,000
Hennepin, Minnesota 138 $ 32,135,000 $ 232,862 $ 105,000
Anderson, Texas 136 $ 10,574,000 $ 77,750 $ 51,000
Cherokee, Texas 136 $ 11,144,000 $ 81,941 $ 52,000
Contra Costa, California 119 $ 54,182,000 $ 455,310 $ 109,000
Oakland, Michigan 118 $ 30,637,000 $ 259,635 $ 93,000
San Bernardino, California 113 $ 29,710,000 $ 262,920 $ 93,000
Cook, Illinois 113 $ 38,445,000 $ 340,221 $ 51,000
Franklin, Ohio 111 $ 18,042,000 $ 162,540 $ 34,000
Mahoning, Ohio 111 $ 8,264,000 $ 74,450 $ 45,000
Fort Bend, Texas 107 $ 13,968,000 $ 130,542 $ 88,000
Fairfax, Virginia 106 $ 36,178,000 $ 341,301 $ 95,000
Snohomish, Washington 103 $ 22,075,000 $ 214,320 $ 53,000
King, Washington 101 $ 34,577,000 $ 342,346 $ 105,000
Henderson, Texas 97 $ 7,821,000 $ 80,628 $ 66,000
Trumbull, Ohio 94 $ 8,433,000 $ 89,712 $ 45,000
Mecklenburg, North Carolina 89 $ 15,556,000 $ 174,786 $ 50,000
Lucas, Ohio 84 $ 8,142,000 $ 96,928 $ 45,000
Wayne, Michigan 80 $ 13,902,000 $ 173,775 $ 52,000
Ventura, California 78 $ 38,653,000 $ 495,551 $ 123,000
San Mateo, California 77 $ 43,020,000 $ 558,701 $ 95,000
Sacramento, California 76 $ 22,379,000 $ 294,460 $ 76,000
Washington, Ohio 73 $ 5,950,000 $ 81,506 $ 38,000
Ramsey, Minnesota 62 $ 11,116,000 $ 179,290 $ 77,000
Pinellas, Florida 61 $ 10,757,000 $ 176,344 $ 67,000
Montgomery, Maryland 61 $ 23,725,000 $ 388,934 $ 85,000
Palm Beach, Florida 60 $ 19,364,000 $ 322,733 $ 70,000
DeKalb, Georgia 59 $ 8,622,000 $ 146,135 $ 54,000
Gwinnett, Georgia 59 $ 8,856,000 $ 150,101 $ 48,000
Fulton, Georgia 58 $ 16,872,000 $ 290,896 $ 45,000
Rockingham, North Carolina 56 $ 6,062,000 $ 108,250 $ 46,000
San Francisco, California 55 $ 30,231,000 $ 549,654 $ 82,000
Orange, Florida 54 $ 12,068,000 $ 223,481 $ 89,000
Morgan, Georgia 53 $ 7,922,000 $ 149,471 $ 61,000
Panola, Texas 53 $ 4,404,000 $ 83,094 $ 58,000
Broward, Florida 52 $ 17,035,000 $ 327,596 $ 42,000
Gregg, Texas 51 $ 4,597,000 $ 90,137 $ 67,000
Mohave, Arizona 50 $ 6,880,000 $ 137,600 $ 52,000
Washington, Minnesota 47 $ 8,895,000 $ 189,255 $ 103,000
Cumberland, North Carolina 47 $ 4,269,000 $ 90,829 $ 37,000
Guilford, North Carolina 45 $ 4,933,000 $ 109,622 $ 36,000
Sonoma, California 44 $ 18,341,000 $ 416,840 $ 44,000
Macomb, Michigan 44 $ 7,351,000 $ 167,068 $ 22,000
Cuyahoga, Ohio 44 $ 7,037,000 $ 159,931 $ 21,000
Arapahoe, Colorado 41 $ 8,530,000 $ 208,048 $ 29,000
Prince William, Virginia 40 $ 11,888,000 $ 297,200 $ 92,000
District of Columbia, District Of Columbia 39 $ 13,283,000 $ 340,589 $ 72,000
Jackson, Missouri 39 $ 4,843,000 $ 124,179 $ 29,000
Dallas, Texas 39 $ 6,898,000 $ 176,871 $ 89,000
Travis, Texas 39 $ 8,215,000 $ 210,641 $ 69,000
Miami-Dade, Florida 38 $ 15,766,000 $ 414,894 $ 49,000
Loudoun, Virginia 38 $ 15,904,000 $ 418,526 $ 86,000
Denver, Colorado 37 $ 7,408,000 $ 200,216 $ 36,000
Washoe, Nevada 36 $ 9,186,000 $ 255,166 $ 15,000
Clayton, Georgia 35 $ 4,537,000 $ 129,628 $ 23,000
Jefferson, Colorado 34 $ 8,890,000 $ 261,470 $ 44,000
Galveston, Texas 34 $ 4,520,000 $ 132,941 $ 137,000
Lake, Illinois 33 $ 8,924,000 $ 270,424 $ 92,000
Solano, California 31 $ 10,073,000 $ 324,935 $ 46,000
Douglas, Colorado 31 $ 10,790,000 $ 348,064 $ 17,000
Bexar, Texas 31 $ 3,532,000 $ 113,935 $ 41,000
Marin, California 30 $ 19,774,000 $ 659,133 $ 0
Placer, California 30 $ 12,454,000 $ 415,133 $ 33,000
Allen, Indiana 30 $ 3,037,000 $ 101,233 $ 50,000
Kent, Michigan 30 $ 3,194,000 $ 106,466 $ 33,000
Dakota, Minnesota 30 $ 5,216,000 $ 173,866 $ 50,000
Forsyth, North Carolina 30 $ 3,519,000 $ 117,300 $ 43,000
Tarrant, Texas 30 $ 5,287,000 $ 176,233 $ 63,000
Cobb, Georgia 29 $ 5,646,000 $ 194,689 $ 35,000
Boone, Illinois 29 $ 3,697,000 $ 127,482 $ 46,000
McHenry, Illinois 28 $ 5,878,000 $ 209,928 $ 16,000
Baldwin, Georgia 27 $ 2,566,000 $ 95,037 $ 38,000
DuPage, Illinois 27 $ 10,154,000 $ 376,074 $ 534,000
Prince George's, Maryland 27 $ 6,386,000 $ 236,518 $ 55,000
Kings, New York 27 $ 10,193,000 $ 377,518 $ 48,000
Union, North Carolina 27 $ 4,455,000 $ 165,000 $ 52,000
Wake, North Carolina 27 $ 5,911,000 $ 218,925 $ 37,000
Brazoria, Texas 27 $ 3,591,000 $ 133,000 $ 73,000
San Joaquin, California 26 $ 7,767,000 $ 298,730 $ 57,000
Santa Barbara, California 26 $ 11,670,000 $ 448,846 $ 99,000
Lee, Florida 26 $ 7,130,000 $ 274,230 $ 50,000
Seminole, Florida 26 $ 4,783,000 $ 183,961 $ 50,000
Shelby, Tennessee 26 $ 3,862,000 $ 148,538 $ 42,000
Denton, Texas 26 $ 6,057,000 $ 232,961 $ 68,000
Montgomery, Texas 26 $ 3,804,000 $ 146,307 $ 72,000
Will, Illinois 25 $ 4,628,000 $ 185,120 $ 21,000
Washtenaw, Michigan 25 $ 6,167,000 $ 246,680 $ 46,000
Licking, Ohio 25 $ 4,800,000 $ 192,000 $ 48,000
Kane, Illinois 24 $ 4,216,000 $ 175,666 $ 10,000
Wright, Minnesota 24 $ 5,257,000 $ 219,041 $ 75,000
Westchester, New York 24 $ 12,396,000 $ 516,500 $ 48,000
Gallia, Ohio 24 $ 2,201,000 $ 91,708 $ 23,000
Greene, Ohio 24 $ 3,996,000 $ 166,500 $ 58,000
Fairfield, Connecticut 23 $ 13,576,000 $ 590,260 $ 0
Putnam, Georgia 23 $ 2,200,000 $ 95,652 $ 42,000
Grand Traverse, Michigan 23 $ 2,688,000 $ 116,869 $ 36,000
Muskegon, Michigan 23 $ 2,540,000 $ 110,434 $ 62,000
Nassau, New York 23 $ 8,931,000 $ 388,304 $ 113,000
Monterey, California 22 $ 11,261,000 $ 511,863 $ 52,000
Adams, Colorado 22 $ 5,188,000 $ 235,818 $ 27,000
Hillsborough, Florida 22 $ 3,280,000 $ 149,090 $ 27,000
Lowndes, Georgia 22 $ 2,588,000 $ 117,636 $ 58,000
Ogle, Illinois 22 $ 2,218,000 $ 100,818 $ 18,000
Preble, Ohio 22 $ 2,127,000 $ 96,681 $ 32,000
Collin, Texas 22 $ 5,619,000 $ 255,409 $ 33,000
Santa Cruz, California 21 $ 9,345,000 $ 445,000 $ 21,000
DeKalb, Illinois 21 $ 2,810,000 $ 133,809 $ 35,000
Johnson, Kansas 21 $ 5,078,000 $ 241,809 $ 38,000
Anne Arundel, Maryland 21 $ 6,328,000 $ 301,333 $ 53,000
Miami, Ohio 21 $ 2,090,000 $ 99,523 $ 43,000
Spokane, Washington 21 $ 2,963,000 $ 141,095 $ 35,000
Rock, Wisconsin 21 $ 1,751,000 $ 83,380 $ 41,000
Pima, Arizona 20 $ 4,652,000 $ 232,600 $ 45,000
El Paso, Colorado 20 $ 6,572,000 $ 328,600 $ 26,000
Kalamazoo, Michigan 20 $ 2,612,000 $ 130,600 $ 36,000
St. Louis, Missouri 20 $ 5,400,000 $ 270,000 $ 35,000
El Dorado, California 19 $ 9,388,000 $ 494,105 $ 73,000
Barrow, Georgia 19 $ 2,572,000 $ 135,368 $ 32,000
Suffolk, Massachusetts 19 $ 9,812,000 $ 516,421 $ 2,000
Bergen, New Jersey 19 $ 7,474,000 $ 393,368 $ 37,000
Suffolk, New York 19 $ 7,269,000 $ 382,578 $ 19,000
Multnomah, Oregon 19 $ 5,287,000 $ 278,263 $ 29,000
Okaloosa, Florida 18 $ 8,594,000 $ 477,444 $ 110,000
Cherokee, Georgia 18 $ 4,338,000 $ 241,000 $ 36,000
Forsyth, Georgia 18 $ 3,453,000 $ 191,833 $ 40,000
Delaware, Ohio 18 $ 5,153,000 $ 286,277 $ 50,000
Hidalgo, Texas 18 $ 3,321,000 $ 184,500 $ 128,000
Jackson, West Virginia 18 $ 1,625,000 $ 90,277 $ 45,000
Monroe, Florida 17 $ 7,448,000 $ 438,117 $ 59,000
Albany, New York 17 $ 1,925,000 $ 113,235 $ 46,000
Hamilton, Ohio 17 $ 2,748,000 $ 161,647 $ 99,000
Taylor, Texas 17 $ 1,446,000 $ 85,058 $ 70,000
Clark, Washington 17 $ 3,452,000 $ 203,058 $ 62,000
Kitsap, Washington 17 $ 4,887,000 $ 287,470 $ 45,000
Mobile, Alabama 16 $ 1,756,000 $ 109,750 $ 50,000
Jefferson, Kentucky 16 $ 2,295,000 $ 143,437 $ 52,000
Monroe, Michigan 16 $ 2,233,000 $ 139,562 $ 42,000
Anoka, Minnesota 16 $ 4,154,000 $ 259,625 $ 119,000
Napa, California 15 $ 6,818,000 $ 454,533 $ 0
Collier, Florida 15 $ 5,849,000 $ 389,933 $ 170,000
Queens, New York 15 $ 4,410,000 $ 294,000 $ 39,000
Clackamas, Oregon 15 $ 4,130,000 $ 275,333 $ 26,000
Montgomery, Pennsylvania 15 $ 4,401,000 $ 293,400 $ 47,000
Bastrop, Texas 15 $ 1,147,000 $ 76,466 $ 131,000
Van Zandt, Texas 15 $ 1,598,000 $ 106,533 $ 50,000
Williamson, Texas 15 $ 2,296,000 $ 153,066 $ 56,000
Salt Lake, Utah 15 $ 4,168,000 $ 277,866 $ 22,000
Milwaukee, Wisconsin 15 $ 2,245,000 $ 149,666 $ 18,000
San Luis Obispo, California 14 $ 5,554,000 $ 396,714 $ 62,000
Volusia, Florida 14 $ 2,424,000 $ 173,142 $ 39,000
Robeson, North Carolina 14 $ 1,195,000 $ 85,357 $ 32,000
Harrison, Texas 14 $ 1,846,000 $ 131,857 $ 86,000
Washington, Arkansas 13 $ 1,600,000 $ 123,076 $ 41,000
Weld, Colorado 13 $ 3,052,000 $ 234,769 $ 5,000
Baltimore, Maryland 13 $ 2,355,000 $ 181,153 $ 88,000
Monmouth, New Jersey 13 $ 4,872,000 $ 374,769 $ 0
Saratoga, New York 13 $ 1,777,000 $ 136,692 $ 39,000
Schenectady, New York 13 $ 2,012,000 $ 154,769 $ 34,000
Oklahoma, Oklahoma 13 $ 1,205,000 $ 92,692 $ 10,000
Kaufman, Texas 13 $ 1,064,000 $ 81,846 $ 86,000
Pleasants, West Virginia 13 $ 1,110,000 $ 85,384 $ 39,000
Ritchie, West Virginia 13 $ 1,009,000 $ 77,615 $ 37,000
Fresno, California 12 $ 3,481,000 $ 290,083 $ 34,000
Boulder, Colorado 12 $ 3,454,000 $ 287,833 $ 28,000
Brevard, Florida 12 $ 3,451,000 $ 287,583 $ 26,000
Osceola, Florida 12 $ 2,338,000 $ 194,833 $ 19,000
Jasper, Georgia 12 $ 1,735,000 $ 144,583 $ 63,000
Paulding, Georgia 12 $ 1,673,000 $ 139,416 $ 60,000
Walton, Georgia 12 $ 1,698,000 $ 141,500 $ 20,000
Baltimore City, Maryland 12 $ 1,558,000 $ 129,833 $ 48,000
Middlesex, Massachusetts 12 $ 4,597,000 $ 383,083 $ 0
Leelanau, Michigan 12 $ 3,720,000 $ 310,000 $ 59,000
Middlesex, New Jersey 12 $ 2,995,000 $ 249,583 $ 0
Durham, North Carolina 12 $ 1,716,000 $ 143,000 $ 44,000
Athens, Ohio 12 $ 836,000 $ 69,666 $ 34,000
Clermont, Ohio 12 $ 1,796,000 $ 149,666 $ 44,000
Coshocton, Ohio 12 $ 1,075,000 $ 89,583 $ 44,000
Henry, Ohio 12 $ 1,101,000 $ 91,750 $ 161,000
Summit, Ohio 12 $ 2,206,000 $ 183,833 $ 50,000
Davidson, Tennessee 12 $ 2,455,000 $ 204,583 $ 22,000
Pierce, Washington 12 $ 2,543,000 $ 211,916 $ 12,000
Upshur, West Virginia 12 $ 1,100,000 $ 91,666 $ 45,000
Wirt, West Virginia 12 $ 776,000 $ 64,666 $ 33,000
Kern, California 11 $ 1,692,000 $ 153,818 $ 48,000
Stanislaus, California 11 $ 2,780,000 $ 252,727 $ 34,000
Sarasota, Florida 11 $ 3,461,000 $ 314,636 $ 36,000
Richmond, Georgia 11 $ 1,064,000 $ 96,727 $ 31,000
Stephenson, Illinois 11 $ 1,372,000 $ 124,727 $ 122,000
LaPorte, Indiana 11 $ 958,000 $ 87,090 $ 31,000
Marion, Indiana 11 $ 1,761,000 $ 160,090 $ 43,000
Frederick, Maryland 11 $ 3,290,000 $ 299,090 $ 65,000
Norfolk, Massachusetts 11 $ 4,232,000 $ 384,727 $ 0
Cape May, New Jersey 11 $ 5,821,000 $ 529,181 $ 0
Essex, New Jersey 11 $ 3,661,000 $ 332,818 $ 0
Harnett, North Carolina 11 $ 934,000 $ 84,909 $ 33,000
Randolph, North Carolina 11 $ 1,260,000 $ 114,545 $ 48,000
Sampson, North Carolina 11 $ 1,112,000 $ 101,090 $ 31,000
Fairfield, Ohio 11 $ 1,589,000 $ 144,454 $ 29,000
Chester, Pennsylvania 11 $ 4,445,000 $ 404,090 $ 0
Victoria, Texas 11 $ 875,000 $ 79,545 $ 56,000
Alexandria, Virginia 11 $ 5,802,000 $ 527,454 $ 65,000
Chesapeake, Virginia 11 $ 1,873,000 $ 170,272 $ 5,000
Virginia Beach, Virginia 11 $ 2,103,000 $ 191,181 $ 39,000
Kanawha, West Virginia 11 $ 924,000 $ 84,000 $ 48,000
Walworth, Wisconsin 11 $ 2,118,000 $ 192,545 $ 48,000
Jefferson, Alabama 10 $ 1,821,000 $ 182,100 $ 17,000
Duval, Florida 10 $ 2,461,000 $ 246,100 $ 10,000
Crawford, Georgia 10 $ 909,000 $ 90,900 $ 43,000
Newton, Georgia 10 $ 1,209,000 $ 120,900 $ 38,000
LaSalle, Illinois 10 $ 934,000 $ 93,400 $ 10,000
Huntington, Indiana 10 $ 834,000 $ 83,400 $ 56,000
Plymouth, Massachusetts 10 $ 3,409,000 $ 340,900 $ 42,000
Ottawa, Michigan 10 $ 983,000 $ 98,300 $ 28,000
Union, New Jersey 10 $ 5,007,000 $ 500,700 $ 0
Cabarrus, North Carolina 10 $ 1,020,000 $ 102,000 $ 36,000
Davie, North Carolina 10 $ 1,511,000 $ 151,100 $ 33,000
Rowan, North Carolina 10 $ 1,208,000 $ 120,800 $ 23,000
Surry, North Carolina 10 $ 1,332,000 $ 133,200 $ 51,000
Allegheny, Pennsylvania 10 $ 2,491,000 $ 249,100 $ 63,000
Philadelphia, Pennsylvania 10 $ 1,480,000 $ 148,000 $ 36,000
Hill, Texas 10 $ 904,000 $ 90,400 $ 56,000
Utah, Utah 10 $ 2,284,000 $ 228,400 $ 29,000
Arlington, Virginia 10 $ 4,650,000 $ 465,000 $ 31,000
Summit, Colorado 9 $ 3,380,000 $ 375,555 $ 25,000
Greene, Georgia 9 $ 1,228,000 $ 136,444 $ 36,000
Henry, Georgia 9 $ 1,458,000 $ 162,000 $ 55,000
Rockdale, Georgia 9 $ 1,391,000 $ 154,555 $ 32,000
St. Joseph, Indiana 9 $ 1,693,000 $ 188,111 $ 34,000
East Baton Rouge, Louisiana 9 $ 584,000 $ 64,888 $ 43,000
Genesee, Michigan 9 $ 1,884,000 $ 209,333 $ 44,000
Ingham, Michigan 9 $ 1,030,000 $ 114,444 $ 31,000
Mercer, New Jersey 9 $ 2,329,000 $ 258,777 $ 15,000
Ocean, New Jersey 9 $ 2,810,000 $ 312,222 $ 56,000
New Hanover, North Carolina 9 $ 1,974,000 $ 219,333 $ 42,000
Darke, Ohio 9 $ 1,509,000 $ 167,666 $ 61,000
Deschutes, Oregon 9 $ 2,650,000 $ 294,444 $ 0
Charleston, South Carolina 9 $ 4,627,000 $ 514,111 $ 0
Upshur, Texas 9 $ 953,000 $ 105,888 $ 65,000
Fauquier, Virginia 9 $ 2,043,000 $ 227,000 $ 53,000
Spotsylvania, Virginia 9 $ 2,598,000 $ 288,666 $ 36,000
Shelby, Alabama 8 $ 2,051,000 $ 256,375 $ 25,000
Pinal, Arizona 8 $ 1,063,000 $ 132,875 $ 34,000
Butte, California 8 $ 1,657,000 $ 207,125 $ 29,000
Polk, Florida 8 $ 1,182,000 $ 147,750 $ 45,000
Walton, Florida 8 $ 3,287,000 $ 410,875 $ 55,000
Fayette, Georgia 8 $ 2,044,000 $ 255,500 $ 6,000
Houston, Georgia 8 $ 751,000 $ 93,875 $ 44,000
Maui, Hawaii 8 $ 3,537,000 $ 442,125 $ 0
Sangamon, Illinois 8 $ 670,000 $ 83,750 $ 147,000
Clark, Indiana 8 $ 877,000 $ 109,625 $ 41,000
Jefferson, Louisiana 8 $ 1,457,000 $ 182,125 $ 18,000
Bristol, Massachusetts 8 $ 2,271,000 $ 283,875 $ 80,000
Essex, Massachusetts 8 $ 3,654,000 $ 456,750 $ 0
Lenawee, Michigan 8 $ 925,000 $ 115,625 $ 39,000
Scott, Minnesota 8 $ 2,573,000 $ 321,625 $ 60,000
Iredell, North Carolina 8 $ 1,215,000 $ 151,875 $ 39,000
Lorain, Ohio 8 $ 1,583,000 $ 197,875 $ 22,000
Portage, Ohio 8 $ 1,232,000 $ 154,000 $ 45,000
Washington, Oregon 8 $ 1,497,000 $ 187,125 $ 28,000
York, South Carolina 8 $ 2,871,000 $ 358,875 $ 9,000
Sumner, Tennessee 8 $ 2,235,000 $ 279,375 $ 15,000
Coryell, Texas 8 $ 650,000 $ 81,250 $ 49,000
Houston, Texas 8 $ 833,000 $ 104,125 $ 81,000
Yavapai, Arizona 7 $ 1,854,000 $ 264,857 $ 0
Nevada, California 7 $ 2,364,000 $ 337,714 $ 26,000
Yolo, California 7 $ 2,388,000 $ 341,142 $ 0
Eagle, Colorado 7 $ 3,245,000 $ 463,571 $ 0
Mesa, Colorado 7 $ 1,239,000 $ 177,000 $ 0
New Haven, Connecticut 7 $ 1,665,000 $ 237,857 $ 6,000
New Castle, Delaware 7 $ 1,009,000 $ 144,142 $ 31,000
Sussex, Delaware 7 $ 1,079,000 $ 154,142 $ 42,000
Leon, Florida 7 $ 1,117,000 $ 159,571 $ 47,000
Manatee, Florida 7 $ 1,363,000 $ 194,714 $ 48,000
Santa Rosa, Florida 7 $ 1,696,000 $ 242,285 $ 35,000
Burke, Georgia 7 $ 551,000 $ 78,714 $ 34,000
Douglas, Georgia 7 $ 1,357,000 $ 193,857 $ 59,000
Jones, Georgia 7 $ 664,000 $ 94,857 $ 40,000
Peach, Georgia 7 $ 657,000 $ 93,857 $ 44,000
Wilkinson, Georgia 7 $ 653,000 $ 93,285 $ 41,000
Honolulu, Hawaii 7 $ 2,582,000 $ 368,857 $ 24,000
Ada, Idaho 7 $ 872,000 $ 124,571 $ 42,000
Hamilton, Indiana 7 $ 2,790,000 $ 398,571 $ 61,000
Howard, Maryland 7 $ 2,360,000 $ 337,142 $ 51,000
Worcester, Massachusetts 7 $ 1,539,000 $ 219,857 $ 15,000
Allegan, Michigan 7 $ 650,000 $ 92,857 $ 40,000
Berrien, Michigan 7 $ 929,000 $ 132,714 $ 44,000
Lapeer, Michigan 7 $ 1,089,000 $ 155,571 $ 10,000
St. Clair, Michigan 7 $ 1,343,000 $ 191,857 $ 62,000
St. Louis City, Missouri 7 $ 1,842,000 $ 263,142 $ 5,000
Morris, New Jersey 7 $ 2,859,000 $ 408,428 $ 0
Buncombe, North Carolina 7 $ 811,000 $ 115,857 $ 60,000
Butler, Ohio 7 $ 915,000 $ 130,714 $ 48,000
Lake, Ohio 7 $ 939,000 $ 134,142 $ 5,000
Lane, Oregon 7 $ 722,000 $ 103,142 $ 51,000
Delaware, Pennsylvania 7 $ 2,287,000 $ 326,714 $ 40,000
Greenville, South Carolina 7 $ 1,050,000 $ 150,000 $ 31,000
Chesterfield, Virginia 7 $ 1,112,000 $ 158,857 $ 28,000
Henrico, Virginia 7 $ 1,393,000 $ 199,000 $ 36,000
Harrison, West Virginia 7 $ 508,000 $ 72,571 $ 46,000
Marion, West Virginia 7 $ 816,000 $ 116,571 $ 64,000
Morgan, West Virginia 7 $ 733,000 $ 104,714 $ 64,000
Anchorage, Alaska 6 $ 1,116,000 $ 186,000 $ 60,000
Benton, Arkansas 6 $ 872,000 $ 145,333 $ 53,000
San Benito, California 6 $ 3,439,000 $ 573,166 $ 0
Pueblo, Colorado 6 $ 718,000 $ 119,666 $ 39,000
Escambia, Florida 6 $ 546,000 $ 91,000 $ 38,000
Marion, Florida 6 $ 699,000 $ 116,500 $ 21,000
Pasco, Florida 6 $ 1,212,000 $ 202,000 $ 33,000
St. Lucie, Florida 6 $ 1,221,000 $ 203,500 $ 27,000
Bibb, Georgia 6 $ 568,000 $ 94,666 $ 31,000
Chatham, Georgia 6 $ 1,535,000 $ 255,833 $ 72,000
Coweta, Georgia 6 $ 906,000 $ 151,000 $ 45,000
Hancock, Georgia 6 $ 673,000 $ 112,166 $ 55,000
Laurens, Georgia 6 $ 499,000 $ 83,166 $ 37,000
Benzie, Michigan 6 $ 722,000 $ 120,333 $ 38,000
Le Sueur, Minnesota 6 $ 830,000 $ 138,333 $ 108,000
Rice, Minnesota 6 $ 946,000 $ 157,666 $ 102,000
Hudson, New Jersey 6 $ 2,218,000 $ 369,666 $ 0
Bernalillo, New Mexico 6 $ 1,341,000 $ 223,500 $ 18,000
Santa Fe, New Mexico 6 $ 2,361,000 $ 393,500 $ 51,000
Dutchess, New York 6 $ 1,525,000 $ 254,166 $ 52,000
New York, New York 6 $ 4,277,000 $ 712,833 $ 0
Orange, New York 6 $ 1,198,000 $ 199,666 $ 54,000
Alamance, North Carolina 6 $ 581,000 $ 96,833 $ 29,000
Dare, North Carolina 6 $ 4,336,000 $ 722,666 $ 0
Johnston, North Carolina 6 $ 574,000 $ 95,666 $ 45,000
Clark, Ohio 6 $ 683,000 $ 113,833 $ 64,000
Columbiana, Ohio 6 $ 533,000 $ 88,833 $ 38,000
Geauga, Ohio 6 $ 950,000 $ 158,333 $ 21,000
Meigs, Ohio 6 $ 346,000 $ 57,666 $ 39,000
Warren, Ohio 6 $ 1,669,000 $ 278,166 $ 34,000
Wood, Ohio 6 $ 722,000 $ 120,333 $ 44,000
Berks, Pennsylvania 6 $ 1,050,000 $ 175,000 $ 68,000
Aiken, South Carolina 6 $ 554,000 $ 92,333 $ 37,000
Horry, South Carolina 6 $ 1,108,000 $ 184,666 $ 63,000
Bell, Texas 6 $ 396,000 $ 66,000 $ 56,000
Brazos, Texas 6 $ 665,000 $ 110,833 $ 110,000
Leon, Texas 6 $ 393,000 $ 65,500 $ 47,000
Rusk, Texas 6 $ 381,000 $ 63,500 $ 35,000
Wood, Texas 6 $ 379,000 $ 63,166 $ 34,000
Henry, Virginia 6 $ 350,000 $ 58,333 $ 43,000
Stafford, Virginia 6 $ 1,706,000 $ 284,333 $ 61,000
York, Virginia 6 $ 1,636,000 $ 272,666 $ 61,000
Thurston, Washington 6 $ 1,177,000 $ 196,166 $ 29,000
Hampshire, West Virginia 6 $ 507,000 $ 84,500 $ 41,000
Raleigh, West Virginia 6 $ 544,000 $ 90,666 $ 38,000
Coconino, Arizona 5 $ 1,705,000 $ 341,000 $ 13,000
Hartford, Connecticut 5 $ 1,609,000 $ 321,800 $ 21,000
Bay, Florida 5 $ 2,058,000 $ 411,600 $ 21,000
Charlotte, Florida 5 $ 1,213,000 $ 242,600 $ 43,000
Hall, Georgia 5 $ 891,000 $ 178,200 $ 88,000
Taylor, Georgia 5 $ 359,000 $ 71,800 $ 24,000
Kauai, Hawaii 5 $ 2,047,000 $ 409,400 $ 88,000
Kootenai, Idaho 5 $ 733,000 $ 146,600 $ 51,000
Lake, Indiana 5 $ 488,000 $ 97,600 $ 43,000
Charles, Maryland 5 $ 1,448,000 $ 289,600 $ 45,000
Barnstable, Massachusetts 5 $ 1,903,000 $ 380,600 $ 58,000
Antrim, Michigan 5 $ 524,000 $ 104,800 $ 60,000
Calhoun, Michigan 5 $ 332,000 $ 66,400 $ 21,000
Clinton, Michigan 5 $ 756,000 $ 151,200 $ 11,000
Livingston, Michigan 5 $ 947,000 $ 189,400 $ 14,000
Cass, Missouri 5 $ 639,000 $ 127,800 $ 0
St. Charles, Missouri 5 $ 842,000 $ 168,400 $ 0
Douglas, Nebraska 5 $ 877,000 $ 175,400 $ 19,000
Burlington, New Jersey 5 $ 1,780,000 $ 356,000 $ 0
Monroe, New York 5 $ 477,000 $ 95,400 $ 51,000
Washington, New York 5 $ 573,000 $ 114,600 $ 32,000
Pitt, North Carolina 5 $ 560,000 $ 112,000 $ 66,000
Medina, Ohio 5 $ 1,047,000 $ 209,400 $ 0
Union, Ohio 5 $ 634,000 $ 126,800 $ 55,000
Tulsa, Oklahoma 5 $ 588,000 $ 117,600 $ 40,000
Bucks, Pennsylvania 5 $ 1,779,000 $ 355,800 $ 0
Northampton, Pennsylvania 5 $ 799,000 $ 159,800 $ 54,000
Providence, Rhode Island 5 $ 1,834,000 $ 366,800 $ 0
Anderson, South Carolina 5 $ 405,000 $ 81,000 $ 52,000
Knox, Tennessee 5 $ 974,000 $ 194,800 $ 26,000
Angelina, Texas 5 $ 668,000 $ 133,600 $ 42,000
Limestone, Texas 5 $ 453,000 $ 90,600 $ 58,000
Summit, Utah 5 $ 1,953,000 $ 390,600 $ 0
Skagit, Washington 5 $ 500,000 $ 100,000 $ 37,000
Clay, West Virginia 5 $ 338,000 $ 67,600 $ 29,000
Preston, West Virginia 5 $ 353,000 $ 70,600 $ 39,000
Jefferson, Wisconsin 5 $ 500,000 $ 100,000 $ 12,000
St. Croix, Wisconsin 5 $ 1,371,000 $ 274,200 $ 28,000
Tuscaloosa, Alabama 4 $ 690,000 $ 172,500 $ 36,000
Shasta, California 4 $ 785,000 $ 196,250 $ 0
Larimer, Colorado 4 $ 837,000 $ 209,250 $ 31,000
Flagler, Florida 4 $ 933,000 $ 233,250 $ 32,000
Hernando, Florida 4 $ 387,000 $ 96,750 $ 24,000
Martin, Florida 4 $ 1,060,000 $ 265,000 $ 6,000
St. Johns, Florida 4 $ 1,347,000 $ 336,750 $ 32,000
Bartow, Georgia 4 $ 458,000 $ 114,500 $ 55,000
Butts, Georgia 4 $ 450,000 $ 112,500 $ 30,000
Clarke, Georgia 4 $ 583,000 $ 145,750 $ 41,000
Columbia, Georgia 4 $ 385,000 $ 96,250 $ 32,000
Monroe, Georgia 4 $ 353,000 $ 88,250 $ 33,000
Twiggs, Georgia 4 $ 328,000 $ 82,000 $ 48,000
DeKalb, Indiana 4 $ 474,000 $ 118,500 $ 57,000
Floyd, Indiana 4 $ 329,000 $ 82,250 $ 30,000
Johnson, Indiana 4 $ 483,000 $ 120,750 $ 32,000
Kosciusko, Indiana 4 $ 352,000 $ 88,000 $ 22,000
Wyandotte, Kansas 4 $ 322,000 $ 80,500 $ 148,000
Orleans, Louisiana 4 $ 824,000 $ 206,000 $ 3,000
Harford, Maryland 4 $ 1,250,000 $ 312,500 $ 73,000
Montcalm, Michigan 4 $ 369,000 $ 92,250 $ 35,000
Saginaw, Michigan 4 $ 414,000 $ 103,500 $ 32,000
Shiawassee, Michigan 4 $ 279,000 $ 69,750 $ 36,000
Van Buren, Michigan 4 $ 302,000 $ 75,500 $ 39,000
Goodhue, Minnesota 4 $ 1,093,000 $ 273,250 $ 378,000
DeSoto, Mississippi 4 $ 612,000 $ 153,000 $ 47,000
Sunflower, Mississippi 4 $ 233,000 $ 58,250 $ 58,000
Passaic, New Jersey 4 $ 1,285,000 $ 321,250 $ 8,000
Somerset, New Jersey 4 $ 1,162,000 $ 290,500 $ 0
Bronx, New York 4 $ 920,000 $ 230,000 $ 67,000
Genesee, New York 4 $ 409,000 $ 102,250 $ 53,000
Rensselaer, New York 4 $ 441,000 $ 110,250 $ 61,000
Richmond, New York 4 $ 1,448,000 $ 362,000 $ 39,000
Ulster, New York 4 $ 599,000 $ 149,750 $ 55,000
Warren, New York 4 $ 433,000 $ 108,250 $ 17,000
Bladen, North Carolina 4 $ 347,000 $ 86,750 $ 27,000
Davidson, North Carolina 4 $ 466,000 $ 116,500 $ 15,000
Gaston, North Carolina 4 $ 439,000 $ 109,750 $ 59,000
Hoke, North Carolina 4 $ 374,000 $ 93,500 $ 38,000
Moore, North Carolina 4 $ 923,000 $ 230,750 $ 35,000
Stokes, North Carolina 4 $ 441,000 $ 110,250 $ 38,000
Wilson, North Carolina 4 $ 565,000 $ 141,250 $ 27,000
Stark, Ohio 4 $ 502,000 $ 125,500 $ 39,000
Greene, Pennsylvania 4 $ 156,000 $ 39,000 $ 21,000
Beaufort, South Carolina 4 $ 726,000 $ 181,500 $ 14,000
Berkeley, South Carolina 4 $ 1,038,000 $ 259,500 $ 0
Lexington, South Carolina 4 $ 1,681,000 $ 420,250 $ 179,000
Montgomery, Tennessee 4 $ 610,000 $ 152,500 $ 28,000
Rutherford, Tennessee 4 $ 363,000 $ 90,750 $ 8,000
Williamson, Tennessee 4 $ 1,221,000 $ 305,250 $ 0
Austin, Texas 4 $ 752,000 $ 188,000 $ 60,000
Brown, Texas 4 $ 324,000 $ 81,000 $ 46,000
Cameron, Texas 4 $ 310,000 $ 77,500 $ 46,000
Comal, Texas 4 $ 1,240,000 $ 310,000 $ 28,000
Cooke, Texas 4 $ 610,000 $ 152,500 $ 94,000
Hays, Texas 4 $ 398,000 $ 99,500 $ 56,000
Navarro, Texas 4 $ 303,000 $ 75,750 $ 17,000
Davis, Utah 4 $ 1,707,000 $ 426,750 $ 36,000
Fairfax City, Virginia 4 $ 1,121,000 $ 280,250 $ 73,000
Hampton, Virginia 4 $ 408,000 $ 102,000 $ 0
Martinsville, Virginia 4 $ 244,000 $ 61,000 $ 187,000
Newport News, Virginia 4 $ 662,000 $ 165,500 $ 56,000
Island, Washington 4 $ 668,000 $ 167,000 $ 53,000
Logan, West Virginia 4 $ 410,000 $ 102,500 $ 57,000
Roane, West Virginia 4 $ 142,000 $ 35,500 $ 11,000
Wetzel, West Virginia 4 $ 149,000 $ 37,250 $ 31,000
Wyoming, West Virginia 4 $ 248,000 $ 62,000 $ 40,000
Baldwin, Alabama 3 $ 986,000 $ 328,666 $ 0
Madison, Alabama 3 $ 996,000 $ 332,000 $ 0
Lawrence, Arkansas 3 $ 202,000 $ 67,333 $ 44,000
Imperial, California 3 $ 600,000 $ 200,000 $ 23,000
Merced, California 3 $ 1,048,000 $ 349,333 $ 12,000
Tulare, California 3 $ 726,000 $ 242,000 $ 43,000
Kent, Delaware 3 $ 277,000 $ 92,333 $ 62,000
Gulf, Florida 3 $ 655,000 $ 218,333 $ 45,000
Indian River, Florida 3 $ 1,383,000 $ 461,000 $ 0
Lake, Florida 3 $ 377,000 $ 125,666 $ 22,000
Nassau, Florida 3 $ 1,247,000 $ 415,666 $ 71,000
Cook, Georgia 3 $ 158,000 $ 52,666 $ 17,000
Effingham, Georgia 3 $ 391,000 $ 130,333 $ 53,000
Elbert, Georgia 3 $ 194,000 $ 64,666 $ 29,000
Gordon, Georgia 3 $ 303,000 $ 101,000 $ 45,000
Jefferson, Georgia 3 $ 181,000 $ 60,333 $ 28,000
Pike, Georgia 3 $ 409,000 $ 136,333 $ 57,000
Spalding, Georgia 3 $ 293,000 $ 97,666 $ 33,000
Telfair, Georgia 3 $ 270,000 $ 90,000 $ 32,000
Upson, Georgia 3 $ 325,000 $ 108,333 $ 53,000
Hawaii, Hawaii 3 $ 1,529,000 $ 509,666 $ 18,000
Champaign, Illinois 3 $ 315,000 $ 105,000 $ 0
Kendall, Illinois 3 $ 641,000 $ 213,666 $ 33,000
Lee, Illinois 3 $ 206,000 $ 68,666 $ 17,000
Peoria, Illinois 3 $ 205,000 $ 68,333 $ 22,000
Tazewell, Illinois 3 $ 382,000 $ 127,333 $ 19,000
Elkhart, Indiana 3 $ 352,000 $ 117,333 $ 226,000
Whitley, Indiana 3 $ 370,000 $ 123,333 $ 47,000
Polk, Iowa 3 $ 938,000 $ 312,666 $ 0
Miami, Kansas 3 $ 574,000 $ 191,333 $ 11,000
Riley, Kansas 3 $ 333,000 $ 111,000 $ 6,000
Daviess, Kentucky 3 $ 244,000 $ 81,333 $ 31,000
Carroll, Maryland 3 $ 690,000 $ 230,000 $ 0
Bay, Michigan 3 $ 274,000 $ 91,333 $ 45,000
Branch, Michigan 3 $ 273,000 $ 91,000 $ 20,000
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Mortgage Loan Application Detail Totals for Franklin Bank SSB 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 6,933 $1,637,135,000 $221,060 $10,000,000 $44,440 $7,800,000
Home Purchase 6,324 $1,525,968,000 $234,280 $2,000,000 $38,520 $1,173,000
Home Improvement 27 $1,389,000 $119,000 $300,000 $109,000 $174,000

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 5,196 $795,503,000 $180,714 $10,000,000 $80,877 $7,800,000
Not applicable 4,993 $1,843,056,000 $300,740 $1,885,000 $60 $95,000
Not Provided 1,112 $182,765,000 $186,906 $1,300,000 $43,906 $1,092,000
Black or African American 736 $101,138,000 $169,468 $1,675,000 $58,875 $648,000
Hispanic 721 $94,598,000 $135,870 $925,000 $43,129 $488,000
Asian 483 $139,869,000 $235,375 $1,473,000 $109,500 $841,000
Native Hawaiian or Other Pacific Islander 25 $5,532,000 $179,200 $805,000 $88,300 $360,000
American Indian or Alaskan Native 18 $2,031,000 $102,000 $300,000 $67,444 $420,000

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) 11,851 $3,014,653,000 $236,392 $10,000,000 $44,137 $7,800,000
FHA-insured (Federal Housing Administration) 1,267 $129,004,000 $117,941 $452,000 $36,676 $964,000
VA-guaranteed (Veterans Administration) 164 $20,580,000 $128,320 $272,000 $31,920 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $255,000 $127,500 $205,000 $61,500 $93,000

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 Purchased By The Institution 4,989 $1,842,603,000 $300,920 $1,885,000 $0 $95,000
Loan Originated 3,591 $623,648,000 $189,863 $2,397,000 $86,250 $3,463,000
Application Withdrawn By Applicant 2,044 $299,777,000 $153,133 $3,000,000 $54,177 $1,704,000
Application Denied By Financial Institution 1,514 $222,905,000 $200,888 $10,000,000 $59,866 $7,800,000
Application Approved But Not Accepted 1,059 $163,328,000 $172,666 $1,500,000 $59,743 $816,000
File Closed For Incompleteness 87 $12,231,000 $157,450 $650,000 $59,300 $360,000
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 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 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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