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Act (HMDA) records Franklin Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 300 | $ 56,307,000 | $ 187,690 | $ 85,000 |
| Chicago-Naperville-Joliet, IL | 193 | $ 42,764,000 | $ 221,575 | $ 77,000 |
| Los Angeles-Long Beach-Glendale, CA | 178 | $ 67,824,000 | $ 381,033 | $ 97,000 |
| Austin-Round Rock, TX | 164 | $ 35,439,000 | $ 216,091 | $ 108,000 |
| College Station-Bryan, TX | 141 | $ 24,262,000 | $ 172,070 | $ 148,000 |
| Philadelphia, PA | 127 | $ 29,301,000 | $ 230,716 | $ 93,000 |
| Charlotte-Gastonia-Concord, NC-SC | 115 | $ 21,421,000 | $ 186,269 | $ 79,626 |
| Atlanta-Sandy Springs-Marietta, GA | 103 | $ 20,015,000 | $ 194,320 | $ 70,000 |
| Dallas-Plano-Irving, TX | 102 | $ 21,559,000 | $ 211,362 | $ 80,000 |
| Greensboro-High Point, NC | 98 | $ 12,161,000 | $ 124,091 | $ 55,000 |
| Winston-Salem, NC | 87 | $ 11,181,000 | $ 128,517 | $ 47,000 |
| Wichita, KS | 83 | $ 11,797,000 | $ 142,132 | $ 67,000 |
| Dayton, OH | 81 | $ 8,135,000 | $ 100,432 | $ 45,000 |
| Riverside-San Bernardino-Ontario, CA | 80 | $ 22,711,000 | $ 283,887 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 77 | $ 23,476,000 | $ 304,883 | $ 92,116 |
| Phoenix-Mesa-Scottsdale, AZ | 76 | $ 18,748,000 | $ 246,684 | $ 87,000 |
| Baltimore-Towson, MD | 75 | $ 20,682,000 | $ 275,760 | $ 118,000 |
| St. Louis, MO-IL | 71 | $ 10,456,000 | $ 147,267 | $ 55,352 |
| Tyler, TX | 70 | $ 10,335,000 | $ 147,642 | $ 91,000 |
| New York-White Plains-Wayne, NY-NJ | 69 | $ 26,974,000 | $ 390,927 | $ 81,000 |
| Fort Worth-Arlington, TX | 67 | $ 10,001,000 | $ 149,268 | $ 51,000 |
| Buffalo-Niagara Falls, NY | 64 | $ 6,489,000 | $ 101,390 | $ 62,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 64 | $ 6,814,000 | $ 106,468 | $ 56,390 |
| Lake Havasu City-Kingman, AZ | 63 | $ 14,745,000 | $ 234,047 | $ 115,000 |
| Providence-New Bedford-Fall River, RI-MA | 58 | $ 17,488,000 | $ 301,517 | $ 88,068 |
| Kansas City, MO-KS | 54 | $ 7,293,000 | $ 135,055 | $ 62,759 |
| Cincinnati-Middletown, OH-KY-IN | 53 | $ 6,926,000 | $ 130,679 | $ 73,415 |
| San Antonio, TX | 51 | $ 9,290,000 | $ 182,156 | $ 57,000 |
| Orlando-Kissimmee, FL | 46 | $ 9,917,000 | $ 215,586 | $ 50,000 |
| Roanoke, VA | 46 | $ 8,262,000 | $ 179,608 | $ 56,000 |
| Denver-Aurora, CO | 45 | $ 10,245,000 | $ 227,666 | $ 128,000 |
| Waco, TX | 45 | $ 5,179,000 | $ 115,088 | $ 72,000 |
| Las Vegas-Paradise, NV | 43 | $ 10,239,000 | $ 238,116 | $ 81,000 |
| Asheville, NC | 40 | $ 7,901,000 | $ 197,525 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 7,226,000 | $ 190,157 | $ 72,000 |
| Michigan City-La Porte, IN | 37 | $ 3,807,000 | $ 102,891 | $ 50,000 |
| Santa Ana-Anaheim-Irvine, CA | 37 | $ 15,682,000 | $ 423,837 | $ 69,000 |
| Tulsa, OK | 37 | $ 4,905,000 | $ 132,567 | $ 59,000 |
| Longview, TX | 35 | $ 4,529,000 | $ 129,400 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 35 | $ 7,598,000 | $ 217,085 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 10,485,000 | $ 317,727 | $ 137,000 |
| Memphis, TN-MS-AR | 31 | $ 3,565,000 | $ 115,000 | $ 49,903 |
| Nassau-Suffolk, NY | 31 | $ 9,960,000 | $ 321,290 | $ 113,000 |
| Portland-Vancouver-Beaverton, OR-WA | 31 | $ 11,426,000 | $ 368,580 | $ 62,709 |
| Detroit-Livonia-Dearborn, MI | 30 | $ 3,267,000 | $ 108,900 | $ 49,000 |
| Boston-Quincy, MA | 29 | $ 11,223,000 | $ 387,000 | $ 127,000 |
| Edison, NJ | 29 | $ 9,022,000 | $ 311,103 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 28 | $ 8,243,000 | $ 294,392 | $ 88,000 |
| Seattle-Bellevue-Everett, WA | 28 | $ 9,668,000 | $ 345,285 | $ 113,000 |
| Columbus, OH | 27 | $ 3,107,000 | $ 115,074 | $ 38,000 |
| Beaumont-Port Arthur, TX | 26 | $ 2,254,000 | $ 86,692 | $ 64,000 |
| Camden, NJ | 26 | $ 5,333,000 | $ 205,115 | $ 87,000 |
| McAllen-Edinburg-Mission, TX | 26 | $ 2,922,000 | $ 112,384 | $ 72,000 |
| Gary, IN | 23 | $ 2,663,000 | $ 115,782 | $ 93,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 23 | $ 4,717,000 | $ 205,086 | $ 85,000 |
| San Diego-Carlsbad-San Marcos, CA | 23 | $ 9,494,000 | $ 412,782 | $ 105,000 |
| Richmond, VA | 22 | $ 5,370,000 | $ 244,090 | $ 115,000 |
| Newark-Union, NJ-PA | 21 | $ 6,566,000 | $ 312,666 | $ 93,761 |
| Reading, PA | 21 | $ 3,045,000 | $ 145,000 | $ 51,000 |
| Lakeland, FL | 20 | $ 3,806,000 | $ 190,300 | $ 73,000 |
| Pittsburgh, PA | 20 | $ 2,848,000 | $ 142,400 | $ 70,000 |
| St. Joseph, MO-KS | 20 | $ 2,275,000 | $ 113,750 | $ 73,500 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 20 | $ 6,708,000 | $ 335,400 | $ 104,000 |
| Iowa City, IA | 19 | $ 2,811,000 | $ 147,947 | $ 44,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 3,911,000 | $ 205,842 | $ 49,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 19 | $ 6,591,000 | $ 346,894 | $ 139,000 |
| Savannah, GA | 19 | $ 3,501,000 | $ 184,263 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 4,635,000 | $ 243,947 | $ 248,526 |
| Allentown-Bethlehem-Easton, PA-NJ | 17 | $ 2,746,000 | $ 161,529 | $ 45,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 3,839,000 | $ 225,823 | $ 239,000 |
| El Paso, TX | 16 | $ 2,138,000 | $ 133,625 | $ 52,000 |
| Ocala, FL | 16 | $ 3,010,000 | $ 188,125 | $ 116,000 |
| Spokane, WA | 16 | $ 3,371,000 | $ 210,687 | $ 96,000 |
| Akron, OH | 15 | $ 3,424,000 | $ 228,266 | $ 41,000 |
| Albany-Schenectady-Troy, NY | 15 | $ 2,593,000 | $ 172,866 | $ 99,000 |
| Greenville-Mauldin-Easley, SC | 15 | $ 2,262,000 | $ 150,800 | $ 62,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 3,242,000 | $ 216,133 | $ 77,000 |
| Indianapolis-Carmel, IN | 15 | $ 1,726,000 | $ 115,066 | $ 61,000 |
| Cambridge-Newton-Framingham, MA | 14 | $ 3,745,000 | $ 267,500 | $ 68,000 |
| Louisville-Jefferson County, KY-IN | 14 | $ 2,664,000 | $ 190,285 | $ 104,714 |
| Provo-Orem, UT | 14 | $ 4,849,000 | $ 346,357 | $ 125,000 |
| Raleigh-Cary, NC | 14 | $ 3,117,000 | $ 222,642 | $ 98,000 |
| Bakersfield, CA | 13 | $ 3,388,000 | $ 260,615 | $ 36,000 |
| Columbia, SC | 13 | $ 2,489,000 | $ 191,461 | $ 73,000 |
| Jacksonville, FL | 13 | $ 2,640,000 | $ 203,076 | $ 85,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 2,620,000 | $ 201,538 | $ 77,000 |
| Oakland-Fremont-Hayward, CA | 13 | $ 5,416,000 | $ 416,615 | $ 67,000 |
| Tucson, AZ | 13 | $ 2,391,000 | $ 183,923 | $ 61,000 |
| Albuquerque, NM | 12 | $ 2,547,000 | $ 212,250 | $ 58,000 |
| Charleston-North Charleston, SC | 12 | $ 2,375,000 | $ 197,916 | $ 63,000 |
| Cleveland-Elyria-Mentor, OH | 12 | $ 2,085,000 | $ 173,750 | $ 81,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 1,791,000 | $ 149,250 | $ 57,000 |
| Harrisburg-Carlisle, PA | 12 | $ 1,429,000 | $ 119,083 | $ 50,000 |
| Oklahoma City, OK | 12 | $ 967,000 | $ 80,583 | $ 54,000 |
| Birmingham-Hoover, AL | 11 | $ 2,152,000 | $ 195,636 | $ 124,000 |
| Boise City-Nampa, ID | 11 | $ 1,396,000 | $ 126,909 | $ 66,000 |
| Grand Rapids-Wyoming, MI | 11 | $ 2,109,000 | $ 191,727 | $ 109,000 |
| Worcester, MA | 11 | $ 2,379,000 | $ 216,272 | $ 56,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 1,849,000 | $ 184,900 | $ 90,000 |
| Manchester-Nashua, NH | 10 | $ 2,100,000 | $ 210,000 | $ 92,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 2,003,000 | $ 200,300 | $ 60,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,835,000 | $ 283,500 | $ 114,000 |
| Scranton--Wilkes-Barre, PA | 10 | $ 1,058,000 | $ 105,800 | $ 50,000 |
| Baton Rouge, LA | 9 | $ 1,364,000 | $ 151,555 | $ 61,000 |
| Bethesda-Gaithersburg-Frederick, MD | 9 | $ 3,047,000 | $ 338,555 | $ 127,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 965,000 | $ 107,222 | $ 85,000 |
| Durham, NC | 9 | $ 1,134,000 | $ 126,000 | $ 39,000 |
| Lynchburg, VA | 9 | $ 2,386,000 | $ 265,111 | $ 85,000 |
| New Orleans-Metairie-Kenner, LA | 9 | $ 1,200,000 | $ 133,333 | $ 43,000 |
| Port St. Lucie, FL | 9 | $ 1,771,000 | $ 196,777 | $ 58,000 |
| Portland-South Portland-Biddeford, ME | 9 | $ 2,582,000 | $ 286,888 | $ 73,000 |
| Punta Gorda, FL | 9 | $ 3,736,000 | $ 415,111 | $ 86,000 |
| Rochester, NY | 9 | $ 880,000 | $ 97,777 | $ 40,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,059,000 | $ 117,666 | $ 58,666 |
| Amarillo, TX | 8 | $ 1,002,000 | $ 125,250 | $ 74,000 |
| Brownsville-Harlingen, TX | 8 | $ 676,000 | $ 84,500 | $ 36,000 |
| Burlington-South Burlington, VT | 8 | $ 1,159,000 | $ 144,875 | $ 49,000 |
| Naples-Marco Island, FL | 8 | $ 3,039,000 | $ 379,875 | $ 88,000 |
| New Haven-Milford, CT | 8 | $ 2,087,000 | $ 260,875 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,809,000 | $ 226,125 | $ 92,000 |
| Peabody, MA | 8 | $ 1,800,000 | $ 225,000 | $ 66,000 |
| Rockford, IL | 8 | $ 801,000 | $ 100,125 | $ 92,000 |
| Salt Lake City, UT | 8 | $ 3,849,000 | $ 481,125 | $ 201,000 |
| Wilmington, DE-MD-NJ | 8 | $ 1,570,000 | $ 196,250 | $ 57,750 |
| Atlantic City, NJ | 7 | $ 1,639,000 | $ 234,142 | $ 73,000 |
| Fresno, CA | 7 | $ 1,111,000 | $ 158,714 | $ 38,000 |
| Holland-Grand Haven, MI | 7 | $ 888,000 | $ 126,857 | $ 55,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 3,070,000 | $ 438,571 | $ 188,571 |
| Lincoln, NE | 7 | $ 1,057,000 | $ 151,000 | $ 56,000 |
| Peoria, IL | 7 | $ 720,000 | $ 102,857 | $ 75,000 |
| Reno-Sparks, NV | 7 | $ 2,166,000 | $ 309,428 | $ 89,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 4,719,000 | $ 674,142 | $ 103,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 4,047,000 | $ 578,142 | $ 129,000 |
| Springfield, MA | 7 | $ 1,556,000 | $ 222,285 | $ 58,000 |
| York-Hanover, PA | 7 | $ 1,338,000 | $ 191,142 | $ 59,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,720,000 | $ 286,666 | $ 61,000 |
| Colorado Springs, CO | 6 | $ 1,595,000 | $ 265,833 | $ 116,000 |
| Columbus, GA-AL | 6 | $ 2,298,000 | $ 383,000 | $ 199,000 |
| Corpus Christi, TX | 6 | $ 892,000 | $ 148,666 | $ 71,000 |
| Elkhart-Goshen, IN | 6 | $ 694,000 | $ 115,666 | $ 65,000 |
| Evansville, IN-KY | 6 | $ 469,000 | $ 78,166 | $ 56,500 |
| Greeley, CO | 6 | $ 1,851,000 | $ 308,500 | $ 80,000 |
| Gulfport-Biloxi, MS | 6 | $ 770,000 | $ 128,333 | $ 78,000 |
| Huntsville, AL | 6 | $ 753,000 | $ 125,500 | $ 57,000 |
| Ogden-Clearfield, UT | 6 | $ 935,000 | $ 155,833 | $ 49,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,461,000 | $ 576,833 | $ 109,000 |
| Springfield, MO | 6 | $ 1,402,000 | $ 233,666 | $ 107,000 |
| Vallejo-Fairfield, CA | 6 | $ 2,458,000 | $ 409,666 | $ 122,000 |
| Visalia-Porterville, CA | 6 | $ 1,461,000 | $ 243,500 | $ 83,000 |
| Boulder, CO | 5 | $ 1,232,000 | $ 246,400 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 871,000 | $ 174,200 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 3,146,000 | $ 629,200 | $ 82,000 |
| Fort Wayne, IN | 5 | $ 472,000 | $ 94,400 | $ 39,000 |
| Greenville, NC | 5 | $ 906,000 | $ 181,200 | $ 69,000 |
| Honolulu, HI | 5 | $ 1,522,000 | $ 304,400 | $ 67,000 |
| Joplin, MO | 5 | $ 825,000 | $ 165,000 | $ 91,000 |
| Kingsport-Bristol-Bristol, TN-VA | 5 | $ 488,000 | $ 97,600 | $ 67,800 |
| Lafayette, LA | 5 | $ 665,000 | $ 133,000 | $ 55,000 |
| Lansing-East Lansing, MI | 5 | $ 699,000 | $ 139,800 | $ 97,000 |
| Madison, WI | 5 | $ 1,372,000 | $ 274,400 | $ 75,000 |
| Muskegon-Norton Shores, MI | 5 | $ 228,000 | $ 45,600 | $ 54,000 |
| Rockingham County-Strafford County, NH | 5 | $ 902,000 | $ 180,400 | $ 70,000 |
| Spartanburg, SC | 5 | $ 755,000 | $ 151,000 | $ 153,000 |
| Toledo, OH | 5 | $ 1,048,000 | $ 209,600 | $ 56,000 |
| Trenton-Ewing, NJ | 5 | $ 1,017,000 | $ 203,400 | $ 89,000 |
| Tuscaloosa, AL | 5 | $ 708,000 | $ 141,600 | $ 139,000 |
| Charleston, WV | 4 | $ 558,000 | $ 139,500 | $ 51,000 |
| Dover, DE | 4 | $ 765,000 | $ 191,250 | $ 71,000 |
| Erie, PA | 4 | $ 446,000 | $ 111,500 | $ 63,000 |
| Florence, SC | 4 | $ 544,000 | $ 136,000 | $ 51,000 |
| Jackson, MS | 4 | $ 440,000 | $ 110,000 | $ 58,000 |
| Jefferson City, MO | 4 | $ 803,000 | $ 200,750 | $ 83,000 |
| Kalamazoo-Portage, MI | 4 | $ 371,000 | $ 92,750 | $ 47,000 |
| Lexington-Fayette, KY | 4 | $ 730,000 | $ 182,500 | $ 135,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 254,000 | $ 63,500 | $ 15,000 |
| Merced, CA | 4 | $ 1,197,000 | $ 299,250 | $ 182,000 |
| Modesto, CA | 4 | $ 1,407,000 | $ 351,750 | $ 18,000 |
| Norwich-New London, CT | 4 | $ 644,000 | $ 161,000 | $ 46,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 586,000 | $ 146,500 | $ 86,000 |
| Rocky Mount, NC | 4 | $ 754,000 | $ 188,500 | $ 60,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 1,006,000 | $ 251,500 | $ 50,000 |
| Sebastian-Vero Beach, FL | 4 | $ 929,000 | $ 232,250 | $ 187,000 |
| Stockton, CA | 4 | $ 1,315,000 | $ 328,750 | $ 114,000 |
| Wilmington, NC | 4 | $ 1,251,000 | $ 312,750 | $ 237,000 |
| Alexandria, LA | 3 | $ 175,000 | $ 58,333 | $ 26,000 |
| Bloomington, IN | 3 | $ 371,000 | $ 123,666 | $ 82,000 |
| Burlington, NC | 3 | $ 279,000 | $ 93,000 | $ 48,000 |
| Canton-Massillon, OH | 3 | $ 316,000 | $ 105,333 | $ 47,000 |
| Chattanooga, TN-GA | 3 | $ 687,000 | $ 229,000 | $ 36,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 319,000 | $ 106,333 | $ 68,000 |
| Duluth, MN-WI | 3 | $ 399,000 | $ 133,000 | $ 29,000 |
| Gainesville, GA | 3 | $ 657,000 | $ 219,000 | $ 51,000 |
| Goldsboro, NC | 3 | $ 261,000 | $ 87,000 | $ 38,000 |
| Idaho Falls, ID | 3 | $ 568,000 | $ 189,333 | $ 77,000 |
| Janesville, WI | 3 | $ 329,000 | $ 109,666 | $ 51,000 |
| Lancaster, PA | 3 | $ 524,000 | $ 174,666 | $ 56,000 |
| Lewiston, ID-WA | 3 | $ 531,000 | $ 177,000 | $ 58,000 |
| Lubbock, TX | 3 | $ 496,000 | $ 165,333 | $ 34,000 |
| Madera, CA | 3 | $ 547,000 | $ 182,333 | $ 53,000 |
| Mansfield, OH | 3 | $ 296,000 | $ 98,666 | $ 67,000 |
| Mobile, AL | 3 | $ 193,000 | $ 64,333 | $ 21,000 |
| Morgantown, WV | 3 | $ 375,000 | $ 125,000 | $ 58,000 |
| Napa, CA | 3 | $ 2,008,000 | $ 669,333 | $ 171,000 |
| Niles-Benton Harbor, MI | 3 | $ 443,000 | $ 147,666 | $ 113,000 |
| Odessa, TX | 3 | $ 368,000 | $ 122,666 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 327,000 | $ 109,000 | $ 63,666 |
| Panama City-Lynn Haven, FL | 3 | $ 944,000 | $ 314,666 | $ 62,000 |
| Prescott, AZ | 3 | $ 640,000 | $ 213,333 | $ 85,000 |
| Racine, WI | 3 | $ 209,000 | $ 69,666 | $ 11,000 |
| Redding, CA | 3 | $ 689,000 | $ 229,666 | $ 33,000 |
| Shreveport-Bossier City, LA | 3 | $ 527,000 | $ 175,666 | $ 42,000 |
| Springfield, IL | 3 | $ 302,000 | $ 100,666 | $ 57,000 |
| Tacoma, WA | 3 | $ 636,000 | $ 212,000 | $ 127,000 |
| Utica-Rome, NY | 3 | $ 285,000 | $ 95,000 | $ 67,000 |
| Wenatchee, WA | 3 | $ 1,747,000 | $ 582,333 | $ 227,000 |
| Abilene, TX | 2 | $ 426,000 | $ 213,000 | $ 69,000 |
| Anchorage, AK | 2 | $ 300,000 | $ 150,000 | $ 87,000 |
| Anderson, IN | 2 | $ 294,000 | $ 147,000 | $ 88,000 |
| Anderson, SC | 2 | $ 276,000 | $ 138,000 | $ 59,000 |
| Bangor, ME | 2 | $ 352,000 | $ 176,000 | $ 97,000 |
| Binghamton, NY | 2 | $ 201,000 | $ 100,500 | $ 12,000 |
| Bremerton-Silverdale, WA | 2 | $ 346,000 | $ 173,000 | $ 103,000 |
| Cedar Rapids, IA | 2 | $ 510,000 | $ 255,000 | $ 104,000 |
| Clarksville, TN-KY | 2 | $ 373,000 | $ 186,500 | $ 70,000 |
| Dalton, GA | 2 | $ 234,000 | $ 117,000 | $ 50,000 |
| Decatur, IL | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Des Moines-West Des Moines, IA | 2 | $ 98,000 | $ 49,000 | $ 61,000 |
| Eau Claire, WI | 2 | $ 328,000 | $ 164,000 | $ 65,000 |
| Eugene-Springfield, OR | 2 | $ 665,000 | $ 332,500 | $ 106,000 |
| Fairbanks, AK | 2 | $ 412,000 | $ 206,000 | $ 66,000 |
| Fort Smith, AR-OK | 2 | $ 282,000 | $ 141,000 | $ 76,000 |
| Gainesville, FL | 2 | $ 259,000 | $ 129,500 | $ 39,000 |
| Glens Falls, NY | 2 | $ 846,000 | $ 423,000 | $ 309,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 476,000 | $ 238,000 | $ 66,000 |
| Hattiesburg, MS | 2 | $ 406,000 | $ 203,000 | $ 62,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 184,000 | $ 92,000 | $ 34,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 151,000 | $ 75,500 | $ 15,500 |
| Jacksonville, NC | 2 | $ 336,000 | $ 168,000 | $ 53,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 270,000 | $ 135,000 | $ 60,000 |
| Knoxville, TN | 2 | $ 324,000 | $ 162,000 | $ 42,000 |
| Kokomo, IN | 2 | $ 136,000 | $ 68,000 | $ 53,000 |
| La Crosse, WI-MN | 2 | $ 258,000 | $ 129,000 | $ 60,000 |
| Lebanon, PA | 2 | $ 162,000 | $ 81,000 | $ 35,000 |
| Macon, GA | 2 | $ 619,000 | $ 309,500 | $ 123,000 |
| Midland, TX | 2 | $ 335,000 | $ 167,500 | $ 41,000 |
| Monroe, LA | 2 | $ 98,000 | $ 49,000 | $ 22,000 |
| Montgomery, AL | 2 | $ 251,000 | $ 125,500 | $ 58,000 |
| Morristown, TN | 2 | $ 303,000 | $ 151,500 | $ 62,000 |
| Ocean City, NJ | 2 | $ 711,000 | $ 355,500 | $ 108,000 |
| Owensboro, KY | 2 | $ 128,000 | $ 64,000 | $ 26,000 |
| Palm Coast, FL | 2 | $ 272,000 | $ 136,000 | $ 65,000 |
| Pine Bluff, AR | 2 | $ 111,000 | $ 55,500 | $ 18,000 |
| Rome, GA | 2 | $ 120,000 | $ 60,000 | $ 71,000 |
| Salem, OR | 2 | $ 341,000 | $ 170,500 | $ 29,000 |
| San Angelo, TX | 2 | $ 162,000 | $ 81,000 | $ 54,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 795,000 | $ 397,500 | $ 0 |
| Santa Rosa-Petaluma, CA | 2 | $ 768,000 | $ 384,000 | $ 26,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 262,000 | $ 131,000 | $ 67,000 |
| St. George, UT | 2 | $ 172,000 | $ 86,000 | $ 47,000 |
| Syracuse, NY | 2 | $ 150,000 | $ 75,000 | $ 29,000 |
| Tallahassee, FL | 2 | $ 287,000 | $ 143,500 | $ 63,000 |
| Terre Haute, IN | 2 | $ 139,000 | $ 69,500 | $ 34,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 301,000 | $ 150,500 | $ 73,000 |
| Topeka, KS | 2 | $ 239,000 | $ 119,500 | $ 58,000 |
| Victoria, TX | 2 | $ 376,000 | $ 188,000 | $ 95,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 215,000 | $ 107,500 | $ 139,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 231,000 | $ 115,500 | $ 38,000 |
| Albany, GA | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Altoona, PA | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 216,000 | $ 216,000 | $ 113,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Barnstable Town, MA | 1 | $ 303,000 | $ 303,000 | $ 80,000 |
| Battle Creek, MI | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Bismarck, ND | 1 | $ 77,000 | $ 77,000 | $ 85,000 |
| Bloomington-Normal, IL | 1 | $ 76,000 | $ 76,000 | $ 57,000 |
| Casper, WY | 1 | $ 72,000 | $ 72,000 | $ 29,000 |
| Champaign-Urbana, IL | 1 | $ 134,000 | $ 134,000 | $ 34,000 |
| Coeur D'Alene, ID | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Columbia, MO | 1 | $ 106,000 | $ 106,000 | $ 24,000 |
| Columbus, IN | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Corvallis, OR | 1 | $ 272,000 | $ 272,000 | $ 86,000 |
| Decatur, AL | 1 | $ 240,000 | $ 240,000 | $ 1,500,000 |
| Dothan, AL | 1 | $ 67,000 | $ 67,000 | $ 25,000 |
| El Centro, CA | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Elmira, NY | 1 | $ 66,000 | $ 66,000 | $ 48,000 |
| Farmington, NM | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Fayetteville, NC | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Flint, MI | 1 | $ 156,000 | $ 156,000 | $ 41,000 |
| Florence-Muscle Shoals, AL | 1 | $ 129,000 | $ 129,000 | $ 56,000 |
| Fond Du Lac, WI | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
| Fort Collins-Loveland, CO | 1 | $ 190,000 | $ 190,000 | $ 132,000 |
| Gadsden, AL | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Grand Forks, ND-MN | 1 | $ 147,000 | $ 147,000 | $ 51,000 |
| Grand Junction, CO | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Green Bay, WI | 1 | $ 384,000 | $ 384,000 | $ 84,000 |
| Harrisonburg, VA | 1 | $ 187,000 | $ 187,000 | $ 55,000 |
| Hot Springs, AR | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Ithaca, NY | 1 | $ 302,000 | $ 302,000 | $ 135,000 |
| Jackson, TN | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Johnson City, TN | 1 | $ 117,000 | $ 117,000 | $ 142,000 |
| Jonesboro, AR | 1 | $ 480,000 | $ 480,000 | $ 211,000 |
| Kingston, NY | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Lafayette, IN | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Lake Charles, LA | 1 | $ 274,000 | $ 274,000 | $ 60,000 |
| Laredo, TX | 1 | $ 234,000 | $ 234,000 | $ 340,000 |
| Las Cruces, NM | 1 | $ 280,000 | $ 280,000 | $ 200,000 |
| Lawrence, KS | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Logan, UT-ID | 1 | $ 192,000 | $ 192,000 | $ 44,000 |
| Longview, WA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Medford, OR | 1 | $ 216,000 | $ 216,000 | $ 62,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Olympia, WA | 1 | $ 252,000 | $ 252,000 | $ 62,000 |
| Pascagoula, MS | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Pittsfield, MA | 1 | $ 237,000 | $ 237,000 | $ 68,000 |
| Pueblo, CO | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Rochester, MN | 1 | $ 276,000 | $ 276,000 | $ 150,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Salinas, CA | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Salisbury, MD | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 64,000 | $ 64,000 | $ 33,000 |
| Springfield, OH | 1 | $ 139,000 | $ 139,000 | $ 114,000 |
| Valdosta, GA | 1 | $ 203,000 | $ 203,000 | $ 106,000 |
| Warner Robins, GA | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Wichita Falls, TX | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Williamsport, PA | 1 | $ 290,000 | $ 290,000 | $ 92,000 |
| Winchester, VA-WV | 1 | $ 300,000 | $ 300,000 | $ 45,000 |
| Yuma, AZ | 1 | $ 163,000 | $ 163,000 | $ 62,000 |
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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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