Franklin Bank SSB Mortgage Lending & HMDA Data, 2005

In 2005, Franklin Bank SSB of Houston, TX reported 14,267 mortgage applications totaling $3.2 billion, up 7% from 2004. The average application was for $224,566, and applicants reported an average income of $67,654. 29% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (700), Los Angeles-Long Beach-Glendale, CA (622) and Chicago-Naperville-Joliet, IL (386) (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 14,267
Total Mortgage Loan Application Amount $3,203,895,000
Average Mortgage Loan Application Amount $224,566
Highest Mortgage Loan Application Amount $7,750,000
Average Applicant Income $67,654
Highest Applicant Income $4,200,000

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Act (HMDA) records Franklin Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

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 622 $ 235,694,000 $ 378,929 $ 116,000
Harris, Texas 467 $ 67,584,000 $ 144,719 $ 79,000
Orange, California 263 $ 128,091,000 $ 487,038 $ 136,000
Clark, Nevada 259 $ 60,887,000 $ 235,084 $ 65,000
Maricopa, Arizona 229 $ 51,577,000 $ 225,227 $ 59,000
Fairfax, Virginia 207 $ 78,637,000 $ 379,888 $ 105,000
Santa Clara, California 201 $ 99,801,000 $ 496,522 $ 173,000
Cook, Illinois 194 $ 59,226,000 $ 305,288 $ 75,000
Henderson, Texas 192 $ 19,717,000 $ 102,692 $ 63,000
Mecklenburg, North Carolina 176 $ 21,475,000 $ 122,017 $ 53,000
Wood, West Virginia 164 $ 12,879,000 $ 78,530 $ 43,000
Forsyth, North Carolina 150 $ 15,991,000 $ 106,606 $ 40,000
Wharton, Texas 148 $ 8,786,000 $ 59,364 $ 22,000
Smith, Texas 145 $ 16,018,000 $ 110,468 $ 64,000
Riverside, California 143 $ 46,888,000 $ 327,888 $ 106,000
Alameda, California 136 $ 67,426,000 $ 495,779 $ 165,000
Anne Arundel, Maryland 132 $ 41,525,000 $ 314,583 $ 64,000
San Diego, California 129 $ 62,183,000 $ 482,038 $ 186,000
McLennan, Texas 127 $ 13,459,000 $ 105,976 $ 64,000
Prince George's, Maryland 117 $ 29,793,000 $ 254,641 $ 72,000
Guilford, North Carolina 115 $ 13,274,000 $ 115,426 $ 44,000
San Bernardino, California 107 $ 28,554,000 $ 266,859 $ 103,000
Anderson, Texas 104 $ 7,497,000 $ 72,086 $ 55,000
Cherokee, Texas 101 $ 8,444,000 $ 83,603 $ 58,000
Prince William, Virginia 99 $ 37,712,000 $ 380,929 $ 94,000
Mohave, Arizona 96 $ 16,786,000 $ 174,854 $ 71,000
Winnebago, Illinois 95 $ 9,272,000 $ 97,600 $ 37,000
Montgomery, Maryland 91 $ 33,048,000 $ 363,164 $ 82,000
Fort Bend, Texas 90 $ 13,000,000 $ 144,444 $ 85,000
Morgan, Georgia 81 $ 12,791,000 $ 157,913 $ 51,000
Broward, Florida 80 $ 22,809,000 $ 285,112 $ 115,000
Miami-Dade, Florida 78 $ 18,871,000 $ 241,935 $ 82,000
Middlesex, Massachusetts 78 $ 34,063,000 $ 436,705 $ 59,000
Loudoun, Virginia 77 $ 34,509,000 $ 448,168 $ 122,000
Lake, Illinois 76 $ 27,623,000 $ 363,460 $ 66,000
Franklin, Ohio 76 $ 13,658,000 $ 179,710 $ 49,000
Lee, Florida 75 $ 20,974,000 $ 279,653 $ 119,000
Dallas, Texas 75 $ 18,348,000 $ 244,640 $ 108,000
Montgomery, Ohio 74 $ 7,426,000 $ 100,351 $ 48,000
Hartford, Connecticut 73 $ 12,122,000 $ 166,054 $ 103,000
Palm Beach, Florida 72 $ 17,370,000 $ 241,250 $ 79,000
Oakland, Michigan 68 $ 28,307,000 $ 416,279 $ 84,000
Cumberland, North Carolina 65 $ 6,412,000 $ 98,646 $ 39,000
Contra Costa, California 60 $ 26,099,000 $ 434,983 $ 114,000
Montgomery, Texas 60 $ 8,658,000 $ 144,300 $ 55,000
Grand Traverse, Michigan 59 $ 9,278,000 $ 157,254 $ 45,000
DuPage, Illinois 57 $ 17,131,000 $ 300,543 $ 57,000
Trumbull, Ohio 57 $ 5,409,000 $ 94,894 $ 52,000
Ventura, California 56 $ 28,740,000 $ 513,214 $ 237,000
Travis, Texas 55 $ 11,882,000 $ 216,036 $ 111,000
King, Washington 54 $ 18,742,000 $ 347,074 $ 64,000
San Mateo, California 53 $ 30,546,000 $ 576,339 $ 96,000
Allen, Indiana 53 $ 6,122,000 $ 115,509 $ 47,000
LaPorte, Indiana 53 $ 4,879,000 $ 92,056 $ 58,000
Mahoning, Ohio 53 $ 4,277,000 $ 80,698 $ 43,000
Washington, Ohio 51 $ 3,847,000 $ 75,431 $ 36,000
McHenry, Illinois 48 $ 8,967,000 $ 186,812 $ 36,000
Baltimore, Maryland 47 $ 8,830,000 $ 187,872 $ 53,000
Barnstable, Massachusetts 46 $ 11,107,000 $ 241,456 $ 81,000
Denver, Colorado 45 $ 11,428,000 $ 253,955 $ 67,000
Suffolk, Massachusetts 45 $ 20,977,000 $ 466,155 $ 75,000
Wayne, Michigan 44 $ 9,574,000 $ 217,590 $ 53,000
Bastrop, Texas 44 $ 4,290,000 $ 97,500 $ 61,000
Tarrant, Texas 44 $ 7,944,000 $ 180,545 $ 67,000
Galveston, Texas 43 $ 5,716,000 $ 132,930 $ 60,000
Sacramento, California 42 $ 13,060,000 $ 310,952 $ 39,000
Baltimore City, Maryland 42 $ 5,163,000 $ 122,928 $ 61,000
Calvert, Maryland 42 $ 12,458,000 $ 296,619 $ 79,000
San Francisco, California 41 $ 21,590,000 $ 526,585 $ 120,000
East Baton Rouge, Louisiana 41 $ 4,033,000 $ 98,365 $ 14,000
Mobile, Alabama 40 $ 4,170,000 $ 104,250 $ 58,000
Kane, Illinois 40 $ 6,979,000 $ 174,475 $ 32,000
Hamilton, Ohio 40 $ 6,267,000 $ 156,675 $ 64,000
Panola, Texas 40 $ 3,251,000 $ 81,275 $ 77,000
Webb, Texas 40 $ 4,106,000 $ 102,650 $ 37,000
Washoe, Nevada 39 $ 9,740,000 $ 249,743 $ 47,000
Erie, New York 39 $ 3,704,000 $ 94,974 $ 46,000
Fulton, Georgia 38 $ 12,079,000 $ 317,868 $ 66,000
Stokes, North Carolina 38 $ 3,510,000 $ 92,368 $ 71,000
District of Columbia, District Of Columbia 37 $ 13,435,000 $ 363,108 $ 349,000
Hillsborough, Florida 37 $ 5,764,000 $ 155,783 $ 44,000
Orange, Florida 36 $ 7,867,000 $ 218,527 $ 66,000
Shelby, Tennessee 36 $ 4,406,000 $ 122,388 $ 46,000
Bexar, Texas 36 $ 6,284,000 $ 174,555 $ 77,000
Gregg, Texas 36 $ 3,181,000 $ 88,361 $ 55,000
Fairfield, Connecticut 35 $ 15,896,000 $ 454,171 $ 168,000
Pinellas, Florida 35 $ 12,572,000 $ 359,200 $ 139,000
Licking, Ohio 35 $ 5,679,000 $ 162,257 $ 50,000
Norfolk, Massachusetts 34 $ 16,435,000 $ 483,382 $ 66,000
Van Zandt, Texas 34 $ 3,069,000 $ 90,264 $ 66,000
Spokane, Washington 34 $ 4,651,000 $ 136,794 $ 68,000
Will, Illinois 33 $ 7,644,000 $ 231,636 $ 50,000
Greenville, South Carolina 33 $ 3,828,000 $ 116,000 $ 50,000
Arapahoe, Colorado 32 $ 6,800,000 $ 212,500 $ 43,000
Putnam, Georgia 32 $ 4,105,000 $ 128,281 $ 49,000
St. Louis, Missouri 32 $ 10,821,000 $ 338,156 $ 112,000
Rogers, Oklahoma 32 $ 2,973,000 $ 92,906 $ 46,000
Gwinnett, Georgia 30 $ 5,301,000 $ 176,700 $ 48,000
Plymouth, Massachusetts 30 $ 12,046,000 $ 401,533 $ 115,000
York, South Carolina 30 $ 4,688,000 $ 156,266 $ 72,000
Placer, California 29 $ 14,261,000 $ 491,758 $ 235,000
Cobb, Georgia 29 $ 5,956,000 $ 205,379 $ 34,000
Rowan, North Carolina 29 $ 2,657,000 $ 91,620 $ 42,000
Surry, North Carolina 29 $ 2,707,000 $ 93,344 $ 86,000
Collin, Texas 29 $ 8,508,000 $ 293,379 $ 120,000
Virginia Beach, Virginia 29 $ 7,763,000 $ 267,689 $ 48,000
Kern, California 28 $ 6,113,000 $ 218,321 $ 65,000
Essex, Massachusetts 28 $ 10,735,000 $ 383,392 $ 19,000
Williamson, Texas 28 $ 3,459,000 $ 123,535 $ 80,000
Charles, Maryland 27 $ 7,381,000 $ 273,370 $ 59,000
Kent, Michigan 27 $ 2,891,000 $ 107,074 $ 35,000
Denton, Texas 27 $ 7,534,000 $ 279,037 $ 87,000
Kaufman, Texas 27 $ 2,751,000 $ 101,888 $ 55,000
Salt Lake, Utah 27 $ 5,638,000 $ 208,814 $ 45,000
Adams, Colorado 26 $ 5,675,000 $ 218,269 $ 26,000
Preble, Ohio 25 $ 2,259,000 $ 90,360 $ 43,000
Howard, Maryland 24 $ 7,608,000 $ 317,000 $ 89,000
Hennepin, Minnesota 24 $ 6,218,000 $ 259,083 $ 31,000
Douglas, Colorado 23 $ 6,033,000 $ 262,304 $ 63,000
Jefferson, Colorado 23 $ 3,993,000 $ 173,608 $ 21,000
Davidson, North Carolina 23 $ 2,421,000 $ 105,260 $ 51,000
Montgomery, Pennsylvania 23 $ 5,499,000 $ 239,086 $ 43,000
Paulding, Georgia 22 $ 2,665,000 $ 121,136 $ 38,000
San Joaquin, California 21 $ 7,652,000 $ 364,380 $ 53,000
DeKalb, Georgia 21 $ 3,055,000 $ 145,476 $ 49,000
Greene, Georgia 21 $ 2,611,000 $ 124,333 $ 51,000
Nassau, New York 21 $ 8,914,000 $ 424,476 $ 78,000
Sampson, North Carolina 21 $ 1,878,000 $ 89,428 $ 32,000
Wake, North Carolina 21 $ 3,749,000 $ 178,523 $ 54,000
Lucas, Ohio 21 $ 2,478,000 $ 118,000 $ 45,000
Philadelphia, Pennsylvania 21 $ 2,426,000 $ 115,523 $ 43,000
Brazoria, Texas 21 $ 2,833,000 $ 134,904 $ 54,000
Pinal, Arizona 20 $ 3,093,000 $ 154,650 $ 44,000
Honolulu, Hawaii 20 $ 8,849,000 $ 442,450 $ 131,000
Queen Anne's, Maryland 20 $ 6,477,000 $ 323,850 $ 94,000
Buncombe, North Carolina 20 $ 3,263,000 $ 163,150 $ 31,000
Stark, Ohio 20 $ 2,466,000 $ 123,300 $ 57,000
Pima, Arizona 19 $ 4,060,000 $ 213,684 $ 42,000
Sonoma, California 19 $ 8,602,000 $ 452,736 $ 111,000
Duval, Florida 19 $ 3,121,000 $ 164,263 $ 27,000
Houston, Georgia 19 $ 1,862,000 $ 98,000 $ 103,000
Bristol, Massachusetts 19 $ 4,683,000 $ 246,473 $ 57,000
Henderson, North Carolina 19 $ 2,872,000 $ 151,157 $ 29,000
Union, North Carolina 19 $ 3,903,000 $ 205,421 $ 77,000
Orange, Texas 19 $ 1,351,000 $ 71,105 $ 59,000
Rock, Wisconsin 19 $ 1,971,000 $ 103,736 $ 79,000
Walworth, Wisconsin 19 $ 2,167,000 $ 114,052 $ 37,000
Monterey, California 18 $ 10,724,000 $ 595,777 $ 114,000
Collier, Florida 18 $ 6,007,000 $ 333,722 $ 86,000
Frederick, Maryland 18 $ 5,844,000 $ 324,666 $ 29,000
Suffolk, New York 18 $ 8,302,000 $ 461,222 $ 79,000
Randolph, North Carolina 18 $ 2,093,000 $ 116,277 $ 49,000
Cuyahoga, Ohio 18 $ 2,696,000 $ 149,777 $ 36,000
Hays, Texas 18 $ 4,819,000 $ 267,722 $ 127,000
Matagorda, Texas 18 $ 1,174,000 $ 65,222 $ 0
Snohomish, Washington 18 $ 4,597,000 $ 255,388 $ 59,000
Dane, Wisconsin 18 $ 3,897,000 $ 216,500 $ 53,000
Escambia, Florida 17 $ 2,452,000 $ 144,235 $ 67,000
Sarasota, Florida 17 $ 4,654,000 $ 273,764 $ 111,000
Boone, Illinois 17 $ 2,394,000 $ 140,823 $ 41,000
Worcester, Massachusetts 17 $ 4,435,000 $ 260,882 $ 48,000
Macomb, Michigan 17 $ 3,969,000 $ 233,470 $ 36,000
Bergen, New Jersey 17 $ 7,443,000 $ 437,823 $ 51,000
Cabarrus, North Carolina 17 $ 2,414,000 $ 142,000 $ 36,000
Greene, Ohio 17 $ 3,323,000 $ 195,470 $ 49,000
Tulsa, Oklahoma 17 $ 1,572,000 $ 92,470 $ 26,000
Arlington, Virginia 17 $ 6,222,000 $ 366,000 $ 50,000
Stafford, Virginia 17 $ 4,147,000 $ 243,941 $ 46,000
Milwaukee, Wisconsin 17 $ 2,843,000 $ 167,235 $ 28,000
Sussex, Delaware 16 $ 4,301,000 $ 268,812 $ 62,000
Osceola, Florida 16 $ 4,900,000 $ 306,250 $ 124,000
Baldwin, Georgia 16 $ 1,691,000 $ 105,687 $ 38,000
Harford, Maryland 16 $ 4,349,000 $ 271,812 $ 70,000
Antrim, Michigan 16 $ 1,778,000 $ 111,125 $ 32,000
St. Charles, Missouri 16 $ 3,843,000 $ 240,187 $ 79,000
Westchester, New York 16 $ 7,755,000 $ 484,687 $ 117,000
Butler, Ohio 16 $ 2,660,000 $ 166,250 $ 56,000
Horry, South Carolina 16 $ 2,686,000 $ 167,875 $ 63,000
Bell, Texas 16 $ 1,560,000 $ 97,500 $ 66,000
Hidalgo, Texas 16 $ 1,866,000 $ 116,625 $ 65,000
Pierce, Washington 16 $ 3,831,000 $ 239,437 $ 29,000
Harrison, West Virginia 16 $ 1,219,000 $ 76,187 $ 83,000
Marin, California 15 $ 6,597,000 $ 439,800 $ 117,000
Monroe, Florida 15 $ 8,003,000 $ 533,533 $ 171,000
Polk, Florida 15 $ 2,048,000 $ 136,533 $ 43,000
Hall, Georgia 15 $ 2,931,000 $ 195,400 $ 51,000
Morris, New Jersey 15 $ 7,148,000 $ 476,533 $ 69,000
Ocean, New Jersey 15 $ 4,075,000 $ 271,666 $ 25,000
Iredell, North Carolina 15 $ 2,640,000 $ 176,000 $ 61,000
Chester, Pennsylvania 15 $ 4,575,000 $ 305,000 $ 53,000
Wirt, West Virginia 15 $ 1,005,000 $ 67,000 $ 33,000
El Dorado, California 14 $ 5,851,000 $ 417,928 $ 65,000
Fresno, California 14 $ 3,776,000 $ 269,714 $ 59,000
Solano, California 14 $ 4,845,000 $ 346,071 $ 92,000
New Castle, Delaware 14 $ 2,636,000 $ 188,285 $ 27,000
Pasco, Florida 14 $ 2,747,000 $ 196,214 $ 53,000
Walton, Georgia 14 $ 1,751,000 $ 125,071 $ 54,000
Huntington, Indiana 14 $ 1,266,000 $ 90,428 $ 42,000
Delaware, Ohio 14 $ 3,638,000 $ 259,857 $ 72,000
Clackamas, Oregon 14 $ 3,043,000 $ 217,357 $ 115,000
Allegheny, Pennsylvania 14 $ 1,732,000 $ 123,714 $ 59,000
Spartanburg, South Carolina 14 $ 2,094,000 $ 149,571 $ 50,000
Henrico, Virginia 14 $ 2,662,000 $ 190,142 $ 62,000
Ritchie, West Virginia 14 $ 1,203,000 $ 85,928 $ 37,000
El Paso, Colorado 13 $ 3,113,000 $ 239,461 $ 38,000
Charlotte, Florida 13 $ 3,729,000 $ 286,846 $ 114,000
Elbert, Georgia 13 $ 1,299,000 $ 99,923 $ 41,000
Forsyth, Georgia 13 $ 2,405,000 $ 185,000 $ 44,000
Jackson, Georgia 13 $ 1,489,000 $ 114,538 $ 54,000
Jasper, Georgia 13 $ 1,867,000 $ 143,615 $ 53,000
Richmond, Georgia 13 $ 1,280,000 $ 98,461 $ 50,000
Rockdale, Georgia 13 $ 1,942,000 $ 149,384 $ 75,000
DeKalb, Illinois 13 $ 1,877,000 $ 144,384 $ 29,000
St. Joseph, Indiana 13 $ 1,243,000 $ 95,615 $ 39,000
Kalkaska, Michigan 13 $ 1,203,000 $ 92,538 $ 38,000
Leelanau, Michigan 13 $ 2,966,000 $ 228,153 $ 48,000
Monmouth, New Jersey 13 $ 4,746,000 $ 365,076 $ 30,000
Alamance, North Carolina 13 $ 1,490,000 $ 114,615 $ 44,000
Robeson, North Carolina 13 $ 1,304,000 $ 100,307 $ 31,000
Rockingham, North Carolina 13 $ 1,239,000 $ 95,307 $ 38,000
Anderson, South Carolina 13 $ 1,358,000 $ 104,461 $ 57,000
Frederick, Virginia 13 $ 3,123,000 $ 240,230 $ 46,000
Jackson, West Virginia 13 $ 723,000 $ 55,615 $ 39,000
Baldwin, Alabama 12 $ 2,305,000 $ 192,083 $ 59,000
New Haven, Connecticut 12 $ 2,166,000 $ 180,500 $ 47,000
Oglethorpe, Georgia 12 $ 977,000 $ 81,416 $ 43,000
Peach, Georgia 12 $ 1,275,000 $ 106,250 $ 78,000
St. Mary's, Maryland 12 $ 2,261,000 $ 188,416 $ 99,000
Ottawa, Michigan 12 $ 1,668,000 $ 139,000 $ 36,000
Kings, New York 12 $ 5,820,000 $ 485,000 $ 60,000
Queens, New York 12 $ 4,363,000 $ 363,583 $ 43,000
Miami, Ohio 12 $ 2,430,000 $ 202,500 $ 36,000
Harrison, Texas 12 $ 1,942,000 $ 161,833 $ 66,000
Houston, Texas 12 $ 780,000 $ 65,000 $ 54,000
Upshur, Texas 12 $ 1,372,000 $ 114,333 $ 55,000
Alexandria, Virginia 12 $ 4,037,000 $ 336,416 $ 115,000
Chesapeake, Virginia 12 $ 2,872,000 $ 239,333 $ 52,000
Chesterfield, Virginia 12 $ 3,021,000 $ 251,750 $ 51,000
Richmond City, Virginia 12 $ 1,006,000 $ 83,833 $ 15,000
Manatee, Florida 11 $ 2,387,000 $ 217,000 $ 55,000
Marion, Florida 11 $ 1,433,000 $ 130,272 $ 48,000
Martin, Florida 11 $ 3,506,000 $ 318,727 $ 83,000
Okaloosa, Florida 11 $ 3,414,000 $ 310,363 $ 59,000
Volusia, Florida 11 $ 1,834,000 $ 166,727 $ 46,000
Bibb, Georgia 11 $ 1,445,000 $ 131,363 $ 44,000
Carroll, Georgia 11 $ 1,280,000 $ 116,363 $ 45,000
Haralson, Georgia 11 $ 1,112,000 $ 101,090 $ 50,000
Ogle, Illinois 11 $ 1,388,000 $ 126,181 $ 40,000
DeKalb, Indiana 11 $ 1,424,000 $ 129,454 $ 49,000
Jackson, Missouri 11 $ 1,460,000 $ 132,727 $ 29,000
Somerset, New Jersey 11 $ 3,900,000 $ 354,545 $ 53,000
Yadkin, North Carolina 11 $ 1,002,000 $ 91,090 $ 34,000
Summit, Ohio 11 $ 2,641,000 $ 240,090 $ 53,000
Multnomah, Oregon 11 $ 2,145,000 $ 195,000 $ 32,000
Providence, Rhode Island 11 $ 2,972,000 $ 270,181 $ 67,000
Brazos, Texas 11 $ 743,000 $ 67,545 $ 82,000
Liberty, Texas 11 $ 1,355,000 $ 123,181 $ 56,000
Utah, Utah 11 $ 1,431,000 $ 130,090 $ 203,000
Fairfax City, Virginia 11 $ 3,498,000 $ 318,000 $ 102,000
Santa Cruz, California 10 $ 4,819,000 $ 481,900 $ 154,000
Boulder, Colorado 10 $ 3,630,000 $ 363,000 $ 58,000
Litchfield, Connecticut 10 $ 1,774,000 $ 177,400 $ 0
Brevard, Florida 10 $ 2,201,000 $ 220,100 $ 71,000
Leon, Florida 10 $ 1,847,000 $ 184,700 $ 71,000
Santa Rosa, Florida 10 $ 1,417,000 $ 141,700 $ 56,000
Clayton, Georgia 10 $ 922,000 $ 92,200 $ 62,000
Laurens, Georgia 10 $ 868,000 $ 86,800 $ 34,000
Lumpkin, Georgia 10 $ 1,698,000 $ 169,800 $ 81,000
Newton, Georgia 10 $ 1,713,000 $ 171,300 $ 96,000
Wilkinson, Georgia 10 $ 966,000 $ 96,600 $ 40,000
Marion, Indiana 10 $ 1,204,000 $ 120,400 $ 40,000
Jefferson, Louisiana 10 $ 2,360,000 $ 236,000 $ 118,000
Carroll, Maryland 10 $ 2,708,000 $ 270,800 $ 56,000
Allegan, Michigan 10 $ 1,463,000 $ 146,300 $ 49,000
Washtenaw, Michigan 10 $ 3,326,000 $ 332,600 $ 92,000
Craven, North Carolina 10 $ 799,000 $ 79,900 $ 26,000
Pitt, North Carolina 10 $ 969,000 $ 96,900 $ 32,000
Stanly, North Carolina 10 $ 1,218,000 $ 121,800 $ 55,000
Warren, Ohio 10 $ 1,537,000 $ 153,700 $ 65,000
Oklahoma, Oklahoma 10 $ 1,576,000 $ 157,600 $ 48,000
Bucks, Pennsylvania 10 $ 2,562,000 $ 256,200 $ 67,000
Jefferson, Texas 10 $ 776,000 $ 77,600 $ 51,000
Spotsylvania, Virginia 10 $ 2,959,000 $ 295,900 $ 84,000
Jefferson, Alabama 9 $ 1,708,000 $ 189,777 $ 100,000
Yavapai, Arizona 9 $ 2,549,000 $ 283,222 $ 26,000
Seminole, Florida 9 $ 1,515,000 $ 168,333 $ 36,000
St. Lucie, Florida 9 $ 1,707,000 $ 189,666 $ 39,000
Cherokee, Georgia 9 $ 2,259,000 $ 251,000 $ 51,000
Johnson, Kansas 9 $ 3,445,000 $ 382,777 $ 80,000
Muskegon, Michigan 9 $ 1,369,000 $ 152,111 $ 81,000
Douglas, Nevada 9 $ 2,963,000 $ 329,222 $ 26,000
Atlantic, New Jersey 9 $ 2,935,000 $ 326,111 $ 32,000
Middlesex, New Jersey 9 $ 2,311,000 $ 256,777 $ 14,000
Saratoga, New York 9 $ 1,961,000 $ 217,888 $ 95,000
Wayne, North Carolina 9 $ 807,000 $ 89,666 $ 30,000
Athens, Ohio 9 $ 863,000 $ 95,888 $ 35,000
Union, Ohio 9 $ 1,474,000 $ 163,777 $ 46,000
Washington, Oregon 9 $ 2,920,000 $ 324,444 $ 66,000
Northampton, Pennsylvania 9 $ 1,591,000 $ 176,777 $ 32,000
York, Pennsylvania 9 $ 1,288,000 $ 143,111 $ 38,000
Rusk, Texas 9 $ 847,000 $ 94,111 $ 62,000
Culpeper, Virginia 9 $ 2,416,000 $ 268,444 $ 62,000
Clark, Washington 9 $ 3,050,000 $ 338,888 $ 84,000
Thurston, Washington 9 $ 1,923,000 $ 213,666 $ 13,000
Berkeley, West Virginia 9 $ 1,548,000 $ 172,000 $ 24,000
Pleasants, West Virginia 9 $ 813,000 $ 90,333 $ 40,000
Anchorage, Alaska 8 $ 2,017,000 $ 252,125 $ 40,000
St. Johns, Florida 8 $ 1,460,000 $ 182,500 $ 49,000
Bartow, Georgia 8 $ 978,000 $ 122,250 $ 43,000
Douglas, Georgia 8 $ 1,554,000 $ 194,250 $ 31,000
Henry, Georgia 8 $ 1,372,000 $ 171,500 $ 27,000
Jones, Georgia 8 $ 763,000 $ 95,375 $ 35,000
Oconee, Georgia 8 $ 1,159,000 $ 144,875 $ 57,000
Ada, Idaho 8 $ 1,604,000 $ 200,500 $ 0
Hamilton, Indiana 8 $ 2,283,000 $ 285,375 $ 19,000
York, Maine 8 $ 3,976,000 $ 497,000 $ 34,000
Benzie, Michigan 8 $ 868,000 $ 108,500 $ 49,000
Genesee, Michigan 8 $ 1,794,000 $ 224,250 $ 47,000
Kalamazoo, Michigan 8 $ 1,477,000 $ 184,625 $ 43,000
Dakota, Minnesota 8 $ 3,634,000 $ 454,250 $ 51,000
Lyon, Nevada 8 $ 1,448,000 $ 181,000 $ 39,000
Hudson, New Jersey 8 $ 2,488,000 $ 311,000 $ 25,000
Union, New Jersey 8 $ 2,743,000 $ 342,875 $ 51,000
Brunswick, North Carolina 8 $ 1,491,000 $ 186,375 $ 89,000
Durham, North Carolina 8 $ 1,608,000 $ 201,000 $ 139,000
Gaston, North Carolina 8 $ 1,415,000 $ 176,875 $ 32,000
Hoke, North Carolina 8 $ 744,000 $ 93,000 $ 45,000
Moore, North Carolina 8 $ 1,155,000 $ 144,375 $ 27,000
Lorain, Ohio 8 $ 1,024,000 $ 128,000 $ 281,000
Delaware, Pennsylvania 8 $ 1,336,000 $ 167,000 $ 55,000
Mercer, Pennsylvania 8 $ 624,000 $ 78,000 $ 79,000
Beaufort, South Carolina 8 $ 2,167,000 $ 270,875 $ 92,000
Knox, Tennessee 8 $ 1,505,000 $ 188,125 $ 70,000
Washington, Utah 8 $ 1,562,000 $ 195,250 $ 22,000
Carroll, Virginia 8 $ 806,000 $ 100,750 $ 48,000
Santa Barbara, California 7 $ 10,186,000 $ 1,455,142 $ 740,000
Stanislaus, California 7 $ 2,027,000 $ 289,571 $ 41,000
Larimer, Colorado 7 $ 1,895,000 $ 270,714 $ 12,000
Flagler, Florida 7 $ 1,479,000 $ 211,285 $ 18,000
Lake, Florida 7 $ 1,356,000 $ 193,714 $ 62,000
Gilmer, Georgia 7 $ 1,127,000 $ 161,000 $ 67,000
Macon, Georgia 7 $ 664,000 $ 94,857 $ 43,000
Murray, Georgia 7 $ 1,030,000 $ 147,142 $ 31,000
Twiggs, Georgia 7 $ 797,000 $ 113,857 $ 61,000
Whitley, Indiana 7 $ 476,000 $ 68,000 $ 32,000
Jefferson, Kentucky 7 $ 1,002,000 $ 143,142 $ 24,000
Ascension, Louisiana 7 $ 802,000 $ 114,571 $ 16,000
Lenawee, Michigan 7 $ 985,000 $ 140,714 $ 46,000
DeSoto, Mississippi 7 $ 910,000 $ 130,000 $ 33,000
Camden, New Jersey 7 $ 1,021,000 $ 145,857 $ 51,000
Hunterdon, New Jersey 7 $ 2,468,000 $ 352,571 $ 40,000
Passaic, New Jersey 7 $ 2,759,000 $ 394,142 $ 129,000
Dare, North Carolina 7 $ 3,849,000 $ 549,857 $ 67,000
Halifax, North Carolina 7 $ 631,000 $ 90,142 $ 38,000
Harnett, North Carolina 7 $ 840,000 $ 120,000 $ 43,000
Columbiana, Ohio 7 $ 1,073,000 $ 153,285 $ 31,000
Coshocton, Ohio 7 $ 797,000 $ 113,857 $ 45,000
Fairfield, Ohio 7 $ 1,009,000 $ 144,142 $ 49,000
Hancock, Ohio 7 $ 765,000 $ 109,285 $ 41,000
Cleveland, Oklahoma 7 $ 1,161,000 $ 165,857 $ 185,000
Deschutes, Oregon 7 $ 1,694,000 $ 242,000 $ 22,000
Jackson, Oregon 7 $ 2,213,000 $ 316,142 $ 21,000
Davidson, Tennessee 7 $ 1,499,000 $ 214,142 $ 71,000
Burnet, Texas 7 $ 449,000 $ 64,142 $ 42,000
Comal, Texas 7 $ 1,686,000 $ 240,857 $ 62,000
Hunt, Texas 7 $ 709,000 $ 101,285 $ 71,000
Kerr, Texas 7 $ 754,000 $ 107,714 $ 68,000
Llano, Texas 7 $ 467,000 $ 66,714 $ 107,000
Nueces, Texas 7 $ 731,000 $ 104,428 $ 72,000
Wood, Texas 7 $ 400,000 $ 57,142 $ 25,000
Davis, Utah 7 $ 1,281,000 $ 183,000 $ 42,000
Weber, Utah 7 $ 701,000 $ 100,142 $ 36,000
Manassas, Virginia 7 $ 2,223,000 $ 317,571 $ 66,000
Newport News, Virginia 7 $ 755,000 $ 107,857 $ 22,000
Shelby, Alabama 6 $ 1,430,000 $ 238,333 $ 82,000
Butte, California 6 $ 1,276,000 $ 212,666 $ 37,000
San Luis Obispo, California 6 $ 2,147,000 $ 357,833 $ 54,000
Tulare, California 6 $ 973,000 $ 162,166 $ 45,000
Weld, Colorado 6 $ 1,100,000 $ 183,333 $ 26,000
Bay, Florida 6 $ 2,462,000 $ 410,333 $ 11,000
Barrow, Georgia 6 $ 428,000 $ 71,333 $ 37,000
Clarke, Georgia 6 $ 635,000 $ 105,833 $ 24,000
Franklin, Georgia 6 $ 664,000 $ 110,666 $ 46,000
Monroe, Georgia 6 $ 589,000 $ 98,166 $ 39,000
Kootenai, Idaho 6 $ 932,000 $ 155,333 $ 0
Madison, Illinois 6 $ 718,000 $ 119,666 $ 51,000
Tazewell, Illinois 6 $ 814,000 $ 135,666 $ 12,000
Porter, Indiana 6 $ 1,112,000 $ 185,333 $ 76,000
Sedgwick, Kansas 6 $ 613,000 $ 102,166 $ 8,000
Dorchester, Maryland 6 $ 1,703,000 $ 283,833 $ 93,000
Berrien, Michigan 6 $ 1,363,000 $ 227,166 $ 76,000
Calhoun, Michigan 6 $ 784,000 $ 130,666 $ 58,000
Wexford, Michigan 6 $ 585,000 $ 97,500 $ 47,000
Jefferson, Missouri 6 $ 2,075,000 $ 345,833 $ 14,000
Nye, Nevada 6 $ 805,000 $ 134,166 $ 0
Rockingham, New Hampshire 6 $ 2,774,000 $ 462,333 $ 11,000
Cape May, New Jersey 6 $ 2,022,000 $ 337,000 $ 55,000
Essex, New Jersey 6 $ 2,136,000 $ 356,000 $ 82,000
Albany, New York 6 $ 1,055,000 $ 175,833 $ 38,000
Bronx, New York 6 $ 2,105,000 $ 350,833 $ 50,000
Ulster, New York 6 $ 1,472,000 $ 245,333 $ 36,000
Duplin, North Carolina 6 $ 539,000 $ 89,833 $ 34,000
Onslow, North Carolina 6 $ 1,726,000 $ 287,666 $ 27,000
Clermont, Ohio 6 $ 673,000 $ 112,166 $ 51,000
Morgan, Ohio 6 $ 363,000 $ 60,500 $ 31,000
Berks, Pennsylvania 6 $ 713,000 $ 118,833 $ 34,000
Lancaster, Pennsylvania 6 $ 913,000 $ 152,166 $ 9,000
Aiken, South Carolina 6 $ 550,000 $ 91,666 $ 32,000
Sevier, Tennessee 6 $ 1,120,000 $ 186,666 $ 25,000
Cameron, Texas 6 $ 649,000 $ 108,166 $ 49,000
Hardin, Texas 6 $ 559,000 $ 93,166 $ 62,000
Grayson, Virginia 6 $ 686,000 $ 114,333 $ 43,000
Cabell, West Virginia 6 $ 490,000 $ 81,666 $ 38,000
Kanawha, West Virginia 6 $ 387,000 $ 64,500 $ 29,000
Raleigh, West Virginia 6 $ 716,000 $ 119,333 $ 37,000
Dodge, Wisconsin 6 $ 772,000 $ 128,666 $ 60,000
Madison, Alabama 5 $ 395,000 $ 79,000 $ 35,000
Benton, Arkansas 5 $ 1,349,000 $ 269,800 $ 46,000
Napa, California 5 $ 2,006,000 $ 401,200 $ 63,000
Nevada, California 5 $ 1,542,000 $ 308,400 $ 140,000
Mesa, Colorado 5 $ 1,102,000 $ 220,400 $ 21,000
Kent, Delaware 5 $ 826,000 $ 165,200 $ 17,000
Walton, Florida 5 $ 2,658,000 $ 531,600 $ 0
Burke, Georgia 5 $ 400,000 $ 80,000 $ 28,000
Columbia, Georgia 5 $ 641,000 $ 128,200 $ 66,000
Crawford, Georgia 5 $ 433,000 $ 86,600 $ 43,000
Hart, Georgia 5 $ 505,000 $ 101,000 $ 78,000
Madison, Georgia 5 $ 792,000 $ 158,400 $ 53,000
Pike, Georgia 5 $ 541,000 $ 108,200 $ 54,000
Spalding, Georgia 5 $ 615,000 $ 123,000 $ 62,000
Walker, Georgia 5 $ 672,000 $ 134,400 $ 62,000
Bonner, Idaho 5 $ 1,231,000 $ 246,200 $ 66,000
Lake, Indiana 5 $ 677,000 $ 135,400 $ 60,000
Noble, Indiana 5 $ 431,000 $ 86,200 $ 33,000
Washington, Maryland 5 $ 1,168,000 $ 233,600 $ 43,000
Worcester, Maryland 5 $ 1,539,000 $ 307,800 $ 96,000
Scott, Minnesota 5 $ 1,832,000 $ 366,400 $ 56,000
Hinds, Mississippi 5 $ 562,000 $ 112,400 $ 40,000
St. Louis City, Missouri 5 $ 748,000 $ 149,600 $ 3,000
Strafford, New Hampshire 5 $ 1,789,000 $ 357,800 $ 12,000
Mercer, New Jersey 5 $ 1,751,000 $ 350,200 $ 16,000
Bernalillo, New Mexico 5 $ 1,468,000 $ 293,600 $ 35,000
Santa Fe, New Mexico 5 $ 1,105,000 $ 221,000 $ 26,000
Monroe, New York 5 $ 566,000 $ 113,200 $ 47,000
Beaufort, North Carolina 5 $ 455,000 $ 91,000 $ 26,000
Catawba, North Carolina 5 $ 1,045,000 $ 209,000 $ 30,000
Edgecombe, North Carolina 5 $ 365,000 $ 73,000 $ 31,000
Haywood, North Carolina 5 $ 647,000 $ 129,400 $ 33,000
Cass, North Dakota 5 $ 451,000 $ 90,200 $ 32,000
Darke, Ohio 5 $ 467,000 $ 93,400 $ 49,000
Fulton, Ohio 5 $ 750,000 $ 150,000 $ 32,000
Lake, Ohio 5 $ 1,422,000 $ 284,400 $ 9,000
Canadian, Oklahoma 5 $ 642,000 $ 128,400 $ 190,000
Lane, Oregon 5 $ 696,000 $ 139,200 $ 13,000
Marion, Oregon 5 $ 1,337,000 $ 267,400 $ 34,000
Dauphin, Pennsylvania 5 $ 701,000 $ 140,200 $ 66,000
Monroe, Pennsylvania 5 $ 1,031,000 $ 206,200 $ 56,000
Pike, Pennsylvania 5 $ 818,000 $ 163,600 $ 9,000
Charleston, South Carolina 5 $ 1,414,000 $ 282,800 $ 12,000
Dorchester, South Carolina 5 $ 866,000 $ 173,200 $ 91,000
Richland, South Carolina 5 $ 523,000 $ 104,600 $ 37,000
Coryell, Texas 5 $ 389,000 $ 77,800 $ 25,000
El Paso, Texas 5 $ 419,000 $ 83,800 $ 36,000
Grayson, Texas 5 $ 275,000 $ 55,000 $ 21,000
Hill, Texas 5 $ 410,000 $ 82,000 $ 43,000
Nacogdoches, Texas 5 $ 274,000 $ 54,800 $ 71,000
Taylor, Texas 5 $ 296,000 $ 59,200 $ 28,000
Titus, Texas 5 $ 369,000 $ 73,800 $ 75,000
Iron, Utah 5 $ 316,000 $ 63,200 $ 120,000
Norfolk, Virginia 5 $ 783,000 $ 156,600 $ 13,000
York, Virginia 5 $ 1,263,000 $ 252,600 $ 51,000
Jefferson, West Virginia 5 $ 784,000 $ 156,800 $ 31,000
Lewis, West Virginia 5 $ 664,000 $ 132,800 $ 44,000
Graham, Arizona 4 $ 325,000 $ 81,250 $ 54,000
Yuma, Arizona 4 $ 869,000 $ 217,250 $ 9,000
Merced, California 4 $ 1,327,000 $ 331,750 $ 0
Yolo, California 4 $ 1,039,000 $ 259,750 $ 33,000
La Plata, Colorado 4 $ 836,000 $ 209,000 $ 106,000
Summit, Colorado 4 $ 1,737,000 $ 434,250 $ 53,000
New London, Connecticut 4 $ 480,000 $ 120,000 $ 39,000
Tolland, Connecticut 4 $ 196,000 $ 49,000 $ 0
Alachua, Florida 4 $ 476,000 $ 119,000 $ 124,000
Citrus, Florida 4 $ 656,000 $ 164,000 $ 36,000
Clay, Florida 4 $ 874,000 $ 218,500 $ 68,000
Nassau, Florida 4 $ 767,000 $ 191,750 $ 27,000
Banks, Georgia 4 $ 386,000 $ 96,500 $ 27,000
Gordon, Georgia 4 $ 405,000 $ 101,250 $ 23,000
Jefferson, Georgia 4 $ 324,000 $ 81,000 $ 37,000
Muscogee, Georgia 4 $ 413,000 $ 103,250 $ 34,000
Pickens, Georgia 4 $ 542,000 $ 135,500 $ 51,000
Pulaski, Georgia 4 $ 384,000 $ 96,000 $ 30,000
Kauai, Hawaii 4 $ 1,605,000 $ 401,250 $ 48,000
Edgar, Illinois 4 $ 282,000 $ 70,500 $ 48,000
Kankakee, Illinois 4 $ 614,000 $ 153,500 $ 27,000
Peoria, Illinois 4 $ 465,000 $ 116,250 $ 25,000
Williamson, Illinois 4 $ 331,000 $ 82,750 $ 29,000
LaGrange, Indiana 4 $ 355,000 $ 88,750 $ 7,000
Fayette, Kentucky 4 $ 275,000 $ 68,750 $ 27,000
Lafayette, Louisiana 4 $ 458,000 $ 114,500 $ 7,000
Orleans, Louisiana 4 $ 347,000 $ 86,750 $ 46,000
Page:

Mortgage Loan Application Detail Totals for Franklin Bank SSB in 2005

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 7,417 $1,769,885,000 $217,411 $7,750,000 $49,549 $3,240,000
Home Purchase 6,656 $1,381,879,000 $220,770 $2,992,000 $61,729 $4,200,000
Home Improvement 194 $52,131,000 $210,619 $1,461,000 $86,619 $494,000

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 6,371 $1,139,412,000 $190,720 $7,750,000 $81,420 $3,240,000
Not applicable 3,818 $1,286,437,000 $291,551 $2,992,000 $326 $255,000
Not Provided 1,460 $260,346,000 $162,434 $1,950,000 $42,586 $1,500,000
Hispanic 1,041 $194,653,000 $164,121 $1,125,000 $78,454 $816,000
Black or African American 989 $137,272,000 $155,121 $910,000 $77,121 $4,200,000
Asian 527 $170,898,000 $227,607 $1,436,000 $89,857 $554,000
American Indian or Alaskan Native 33 $6,791,000 $237,133 $1,020,000 $94,800 $360,000
Native Hawaiian or Other Pacific Islander 28 $8,086,000 $288,583 $633,000 $121,750 $660,000

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) 12,701 $3,036,355,000 $219,156 $7,750,000 $58,666 $4,200,000
FHA-insured (Federal Housing Administration) 1,325 $133,695,000 $115,200 $406,000 $38,966 $700,000
VA-guaranteed (Veterans Administration) 227 $32,473,000 $148,387 $359,000 $47,258 $134,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $1,372,000 $107,400 $126,000 $45,200 $73,000

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 4,085 $806,840,000 $186,956 $1,750,000 $92,021 $1,560,000
Loan Purchased By The Institution 3,818 $1,286,496,000 $291,571 $2,992,000 $326 $255,000
Application Withdrawn By Applicant 3,123 $531,472,000 $168,940 $2,640,000 $59,320 $4,200,000
Application Denied By Financial Institution 1,966 $331,358,000 $182,069 $7,750,000 $80,046 $3,240,000
Application Approved But Not Accepted 1,119 $218,944,000 $198,925 $1,995,000 $77,225 $1,809,000
File Closed For Incompleteness 156 $28,785,000 $186,521 $1,420,000 $127,565 $3,636,000
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
Credit History 14 $2,018,000 $153,833 $372,000 $64,500 $252,000
Other 7 $1,572,000 $228,833 $406,000 $103,833 $216,000
Unverifiable Information 2 $246,000 $123,000 $126,000 $45,000 $50,000
Debt-To-Income Ratio 2 $322,000 $161,000 $225,000 $49,500 $60,000
Mortgage Insurance Denied 1 $392,000 $392,000 $392,000 $127,000 $127,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Collateral 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 Bank SSB's 2005 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.
For a list of all lenders in Texas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Texas Lender List