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Act (HMDA) records Franklin Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Baytown-Sugar Land, TX | 674 | $ 95,334,000 | $ 141,445 | $ 81,000 |
| Los Angeles-Long Beach-Glendale, CA | 588 | $ 267,193,000 | $ 454,409 | $ 122,000 |
| Santa Ana-Anaheim-Irvine, CA | 481 | $ 226,781,000 | $ 471,478 | $ 131,000 |
| Atlanta-Sandy Springs-Marietta, GA | 401 | $ 70,992,000 | $ 177,037 | $ 42,000 |
| San Diego-Carlsbad-San Marcos, CA | 391 | $ 184,205,000 | $ 471,112 | $ 172,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 334 | $ 71,371,000 | $ 213,685 | $ 84,000 |
| Riverside-San Bernardino-Ontario, CA | 318 | $ 98,650,000 | $ 310,220 | $ 82,000 |
| Oakland-Fremont-Hayward, CA | 281 | $ 129,490,000 | $ 460,818 | $ 114,000 |
| Rockford, IL | 262 | $ 26,866,000 | $ 102,541 | $ 42,000 |
| Waco, TX | 249 | $ 28,227,000 | $ 113,361 | $ 54,000 |
| Chicago-Naperville-Joliet, IL | 242 | $ 66,848,000 | $ 276,231 | $ 108,000 |
| Tyler, TX | 226 | $ 25,263,000 | $ 111,783 | $ 65,000 |
| Las Vegas-Paradise, NV | 222 | $ 64,189,000 | $ 289,139 | $ 63,000 |
| Parkersburg-Marietta, WV-OH | 217 | $ 16,139,000 | $ 74,373 | $ 37,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 217 | $ 107,696,000 | $ 496,294 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 208 | $ 47,331,000 | $ 227,552 | $ 60,000 |
| Dayton, OH | 207 | $ 21,109,000 | $ 101,975 | $ 45,000 |
| Youngstown-Warren-Boardman, OH-PA | 205 | $ 16,697,000 | $ 81,448 | $ 45,000 |
| Seattle-Bellevue-Everett, WA | 204 | $ 56,652,000 | $ 277,705 | $ 68,000 |
| Laredo, TX | 186 | $ 16,049,000 | $ 86,284 | $ 37,000 |
| Warren-Farmington Hills-Troy, MI | 181 | $ 41,367,000 | $ 228,546 | $ 54,000 |
| Columbus, OH | 179 | $ 31,923,000 | $ 178,340 | $ 42,000 |
| Denver-Aurora, CO | 169 | $ 42,027,000 | $ 248,680 | $ 31,000 |
| San Francisco-San Mateo-Redwood City, CA | 162 | $ 93,025,000 | $ 574,228 | $ 74,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 132 | $ 46,609,000 | $ 353,098 | $ 57,000 |
| Charlotte-Gastonia-Concord, NC-SC | 131 | $ 21,559,000 | $ 164,572 | $ 48,000 |
| Greensboro-High Point, NC | 112 | $ 12,255,000 | $ 109,419 | $ 42,000 |
| Dallas-Plano-Irving, TX | 105 | $ 20,299,000 | $ 193,323 | $ 73,000 |
| Orlando, FL | 95 | $ 19,566,000 | $ 205,957 | $ 63,000 |
| Toledo, OH | 94 | $ 9,809,000 | $ 104,351 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 93 | $ 15,636,000 | $ 168,129 | $ 51,000 |
| New York-Wayne-White Plains, NY-NJ | 82 | $ 34,218,000 | $ 417,292 | $ 44,000 |
| Detroit-Livonia-Dearborn, MI | 80 | $ 13,902,000 | $ 173,775 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 78 | $ 38,653,000 | $ 495,551 | $ 123,000 |
| Austin-Round Rock, TX | 73 | $ 12,056,000 | $ 165,150 | $ 80,000 |
| Bethesda-Frederick-Gaithersburg, MD | 72 | $ 27,015,000 | $ 375,208 | $ 81,000 |
| Cleveland-Elyria-Mentor, OH | 70 | $ 11,556,000 | $ 165,085 | $ 17,000 |
| Longview, TX | 66 | $ 5,931,000 | $ 89,863 | $ 62,000 |
| Baltimore-Towson, MD | 62 | $ 15,678,000 | $ 252,870 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 60 | $ 19,364,000 | $ 322,733 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 17,035,000 | $ 327,596 | $ 42,000 |
| Fayetteville, NC | 51 | $ 4,643,000 | $ 91,039 | $ 37,000 |
| Kansas City, MO-KS | 49 | $ 5,772,000 | $ 117,795 | $ 27,000 |
| Philadelphia, PA | 48 | $ 14,392,000 | $ 299,833 | $ 33,000 |
| Albany-Schenectady-Troy, NY | 47 | $ 6,155,000 | $ 130,957 | $ 43,000 |
| Winston-Salem, NC | 46 | $ 5,620,000 | $ 122,173 | $ 43,000 |
| Cincinnati-Middletown, OH-KY-IN | 44 | $ 7,336,000 | $ 166,727 | $ 64,000 |
| Santa Rosa-Petaluma, CA | 44 | $ 18,341,000 | $ 416,840 | $ 44,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 44 | $ 8,084,000 | $ 183,727 | $ 35,000 |
| Portland-Vancouver-Beaverton, OR-WA | 43 | $ 11,292,000 | $ 262,604 | $ 27,000 |
| Nassau-Suffolk, NY | 42 | $ 16,200,000 | $ 385,714 | $ 77,000 |
| Boston-Quincy, MA | 40 | $ 17,453,000 | $ 436,325 | $ 15,000 |
| St. Louis, MO-IL | 39 | $ 8,899,000 | $ 228,179 | $ 21,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 39 | $ 13,283,000 | $ 340,589 | $ 72,000 |
| Edison, NJ | 38 | $ 11,839,000 | $ 311,552 | $ 16,000 |
| Miami-Miami Beach-Kendall, FL | 38 | $ 15,766,000 | $ 414,894 | $ 49,000 |
| San Antonio, TX | 38 | $ 5,456,000 | $ 143,578 | $ 41,000 |
| Fort Worth-Arlington, TX | 36 | $ 6,127,000 | $ 170,194 | $ 61,000 |
| Reno-Sparks, NV | 36 | $ 9,186,000 | $ 255,166 | $ 15,000 |
| Fort Wayne, IN | 35 | $ 3,666,000 | $ 104,742 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 35 | $ 4,073,000 | $ 116,371 | $ 36,000 |
| Raleigh-Cary, NC | 35 | $ 6,697,000 | $ 191,342 | $ 40,000 |
| Nashville-Davidson--Murfreesboro, TN | 34 | $ 7,107,000 | $ 209,029 | $ 11,000 |
| Lake County-Kenosha County, IL-WI | 33 | $ 8,924,000 | $ 270,424 | $ 92,000 |
| Macon, GA | 31 | $ 2,822,000 | $ 91,032 | $ 39,000 |
| Vallejo-Fairfield, CA | 31 | $ 10,073,000 | $ 324,935 | $ 46,000 |
| Newark-Union, NJ-PA | 29 | $ 11,758,000 | $ 405,448 | $ 0 |
| Memphis, TN-MS-AR | 28 | $ 4,336,000 | $ 154,857 | $ 43,000 |
| Cape Coral-Fort Myers, FL | 26 | $ 7,130,000 | $ 274,230 | $ 50,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 26 | $ 11,670,000 | $ 448,846 | $ 99,000 |
| Stockton, CA | 26 | $ 7,767,000 | $ 298,730 | $ 57,000 |
| Ann Arbor, MI | 25 | $ 6,167,000 | $ 246,680 | $ 46,000 |
| Indianapolis, IN | 25 | $ 5,910,000 | $ 236,400 | $ 40,000 |
| Kalamazoo-Portage, MI | 24 | $ 2,914,000 | $ 121,416 | $ 36,000 |
| Augusta-Richmond County, GA-SC | 23 | $ 2,086,000 | $ 90,695 | $ 33,000 |
| Bridgeport-Stamford-Norwalk, CT | 23 | $ 13,576,000 | $ 590,260 | $ 0 |
| Muskegon-Norton Shores, MI | 23 | $ 2,540,000 | $ 110,434 | $ 62,000 |
| Salinas, CA | 22 | $ 11,261,000 | $ 511,863 | $ 52,000 |
| Salt Lake City, UT | 22 | $ 6,336,000 | $ 288,000 | $ 14,000 |
| Valdosta, GA | 22 | $ 2,588,000 | $ 117,636 | $ 58,000 |
| Charleston, WV | 21 | $ 1,666,000 | $ 79,333 | $ 41,000 |
| Colorado Springs, CO | 21 | $ 6,794,000 | $ 323,523 | $ 22,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 21 | $ 2,640,000 | $ 125,714 | $ 44,000 |
| Janesville, WI | 21 | $ 1,751,000 | $ 83,380 | $ 41,000 |
| Milwaukee-Waukesha-West Allis, WI | 21 | $ 4,120,000 | $ 196,190 | $ 10,000 |
| Richmond, VA | 21 | $ 3,401,000 | $ 161,952 | $ 26,000 |
| Santa Cruz-Watsonville, CA | 21 | $ 9,345,000 | $ 445,000 | $ 21,000 |
| Spokane, WA | 21 | $ 2,963,000 | $ 141,095 | $ 35,000 |
| Akron, OH | 20 | $ 3,438,000 | $ 171,900 | $ 47,000 |
| Birmingham-Hoover, AL | 20 | $ 4,034,000 | $ 201,700 | $ 19,000 |
| Tucson, AZ | 20 | $ 4,652,000 | $ 232,600 | $ 45,000 |
| Abilene, TX | 19 | $ 1,636,000 | $ 86,105 | $ 74,000 |
| Jacksonville, FL | 19 | $ 5,334,000 | $ 280,736 | $ 39,000 |
| Louisville, KY-IN | 19 | $ 2,551,000 | $ 134,263 | $ 49,000 |
| Fort Walton Beach-Crestview-Destin, FL | 18 | $ 8,594,000 | $ 477,444 | $ 110,000 |
| McAllen-Edinburg-Pharr, TX | 18 | $ 3,321,000 | $ 184,500 | $ 128,000 |
| Sarasota-Bradenton-Venice, FL | 18 | $ 4,824,000 | $ 268,000 | $ 42,000 |
| Bremerton-Silverdale, WA | 17 | $ 4,887,000 | $ 287,470 | $ 45,000 |
| Oklahoma City, OK | 17 | $ 2,248,000 | $ 132,235 | $ 19,000 |
| Mobile, AL | 16 | $ 1,756,000 | $ 109,750 | $ 50,000 |
| Monroe, MI | 16 | $ 2,233,000 | $ 139,562 | $ 42,000 |
| Durham, NC | 15 | $ 1,997,000 | $ 133,133 | $ 39,000 |
| Lansing-East Lansing, MI | 15 | $ 1,855,000 | $ 123,666 | $ 25,000 |
| Napa, CA | 15 | $ 6,818,000 | $ 454,533 | $ 0 |
| Naples-Marco Island, FL | 15 | $ 5,849,000 | $ 389,933 | $ 170,000 |
| New Orleans-Metairie-Kenner, LA | 15 | $ 2,959,000 | $ 197,266 | $ 13,000 |
| Charleston-North Charleston, SC | 14 | $ 5,809,000 | $ 414,928 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 2,424,000 | $ 173,142 | $ 39,000 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 1,046,000 | $ 74,714 | $ 52,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 5,554,000 | $ 396,714 | $ 62,000 |
| Greeley, CO | 13 | $ 3,052,000 | $ 234,769 | $ 5,000 |
| Pensacola-Ferry Pass-Brent, FL | 13 | $ 2,242,000 | $ 172,461 | $ 37,000 |
| Pittsburgh, PA | 13 | $ 2,899,000 | $ 223,000 | $ 67,000 |
| Wilmington, NC | 13 | $ 2,918,000 | $ 224,461 | $ 31,000 |
| Boulder, CO | 12 | $ 3,454,000 | $ 287,833 | $ 28,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 4,597,000 | $ 383,083 | $ 0 |
| Fresno, CA | 12 | $ 3,481,000 | $ 290,083 | $ 34,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 3,451,000 | $ 287,583 | $ 26,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 12 | $ 2,723,000 | $ 226,916 | $ 53,000 |
| Tacoma, WA | 12 | $ 2,543,000 | $ 211,916 | $ 12,000 |
| Victoria, TX | 12 | $ 1,031,000 | $ 85,916 | $ 59,000 |
| Bakersfield, CA | 11 | $ 1,692,000 | $ 153,818 | $ 48,000 |
| Baton Rouge, LA | 11 | $ 1,030,000 | $ 93,636 | $ 34,000 |
| Michigan City-La Porte, IN | 11 | $ 958,000 | $ 87,090 | $ 31,000 |
| Modesto, CA | 11 | $ 2,780,000 | $ 252,727 | $ 34,000 |
| Ocean City, NJ | 11 | $ 5,821,000 | $ 529,181 | $ 0 |
| Athens-Clarke County, GA | 10 | $ 1,262,000 | $ 126,200 | $ 39,000 |
| Holland-Grand Haven, MI | 10 | $ 983,000 | $ 98,300 | $ 28,000 |
| Port St. Lucie-Fort Pierce, FL | 10 | $ 2,281,000 | $ 228,100 | $ 18,000 |
| Provo-Orem, UT | 10 | $ 2,284,000 | $ 228,400 | $ 29,000 |
| Savannah, GA | 10 | $ 2,076,000 | $ 207,600 | $ 65,000 |
| Tulsa, OK | 10 | $ 1,546,000 | $ 154,600 | $ 43,000 |
| Albuquerque, NM | 9 | $ 1,798,000 | $ 199,777 | $ 20,000 |
| Asheville, NC | 9 | $ 1,222,000 | $ 135,777 | $ 45,000 |
| Bend, OR | 9 | $ 2,650,000 | $ 294,444 | $ 0 |
| Flint, MI | 9 | $ 1,884,000 | $ 209,333 | $ 44,000 |
| Glens Falls, NY | 9 | $ 1,006,000 | $ 111,777 | $ 25,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 3,078,000 | $ 342,000 | $ 0 |
| Rochester, NY | 9 | $ 1,066,000 | $ 118,444 | $ 43,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,693,000 | $ 188,111 | $ 34,000 |
| Trenton-Ewing, NJ | 9 | $ 2,329,000 | $ 258,777 | $ 15,000 |
| Boise City-Nampa, ID | 8 | $ 1,460,000 | $ 182,500 | $ 33,000 |
| Camden, NJ | 8 | $ 2,130,000 | $ 266,250 | $ 8,000 |
| Chico, CA | 8 | $ 1,657,000 | $ 207,125 | $ 29,000 |
| Columbia, SC | 8 | $ 2,285,000 | $ 285,625 | $ 75,000 |
| Essex County, MA | 8 | $ 3,654,000 | $ 456,750 | $ 0 |
| Greenville, SC | 8 | $ 1,219,000 | $ 152,375 | $ 31,000 |
| Lakeland, FL | 8 | $ 1,182,000 | $ 147,750 | $ 45,000 |
| Peoria, IL | 8 | $ 854,000 | $ 106,750 | $ 19,000 |
| Springfield, IL | 8 | $ 670,000 | $ 83,750 | $ 147,000 |
| Tallahassee, FL | 8 | $ 1,224,000 | $ 153,000 | $ 49,000 |
| Warner Robins, GA | 8 | $ 751,000 | $ 93,875 | $ 44,000 |
| Anchorage, AK | 7 | $ 1,281,000 | $ 183,000 | $ 45,000 |
| Eugene-Springfield, OR | 7 | $ 722,000 | $ 103,142 | $ 51,000 |
| Gary, IN | 7 | $ 730,000 | $ 104,285 | $ 50,000 |
| Grand Junction, CO | 7 | $ 1,239,000 | $ 177,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 2,359,000 | $ 337,000 | $ 14,000 |
| Honolulu, HI | 7 | $ 2,582,000 | $ 368,857 | $ 24,000 |
| Morgantown, WV | 7 | $ 564,000 | $ 80,571 | $ 44,000 |
| New Haven-Milford, CT | 7 | $ 1,665,000 | $ 237,857 | $ 6,000 |
| Niles-Benton Harbor, MI | 7 | $ 929,000 | $ 132,714 | $ 44,000 |
| Prescott, AZ | 7 | $ 1,854,000 | $ 264,857 | $ 0 |
| Wilmington, DE-MD-NJ | 7 | $ 1,009,000 | $ 144,142 | $ 31,000 |
| Worcester, MA | 7 | $ 1,539,000 | $ 219,857 | $ 15,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 870,000 | $ 145,000 | $ 43,000 |
| Burlington, NC | 6 | $ 581,000 | $ 96,833 | $ 29,000 |
| College Station-Bryan, TX | 6 | $ 665,000 | $ 110,833 | $ 110,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 549,000 | $ 91,500 | $ 45,000 |
| Knoxville, TN | 6 | $ 1,136,000 | $ 189,333 | $ 40,000 |
| Madison, WI | 6 | $ 877,000 | $ 146,166 | $ 41,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 6 | $ 1,108,000 | $ 184,666 | $ 63,000 |
| Ocala, FL | 6 | $ 699,000 | $ 116,500 | $ 21,000 |
| Ogden-Clearfield, UT | 6 | $ 1,994,000 | $ 332,333 | $ 36,000 |
| Olympia, WA | 6 | $ 1,177,000 | $ 196,166 | $ 29,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 926,000 | $ 154,333 | $ 24,000 |
| Pueblo, CO | 6 | $ 718,000 | $ 119,666 | $ 39,000 |
| Reading, PA | 6 | $ 1,050,000 | $ 175,000 | $ 68,000 |
| Santa Fe, NM | 6 | $ 2,361,000 | $ 393,500 | $ 51,000 |
| Springfield, OH | 6 | $ 683,000 | $ 113,833 | $ 64,000 |
| Anderson, SC | 5 | $ 405,000 | $ 81,000 | $ 52,000 |
| Barnstable Town, MA | 5 | $ 1,903,000 | $ 380,600 | $ 58,000 |
| Battle Creek, MI | 5 | $ 332,000 | $ 66,400 | $ 21,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 897,000 | $ 179,400 | $ 25,000 |
| Coeur D'Alene, ID | 5 | $ 733,000 | $ 146,600 | $ 51,000 |
| Corpus Christi, TX | 5 | $ 624,000 | $ 124,800 | $ 31,000 |
| Flagstaff, AZ | 5 | $ 1,705,000 | $ 341,000 | $ 13,000 |
| Gainesville, GA | 5 | $ 891,000 | $ 178,200 | $ 88,000 |
| Greenville, NC | 5 | $ 560,000 | $ 112,000 | $ 66,000 |
| Montgomery, AL | 5 | $ 669,000 | $ 133,800 | $ 18,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 500,000 | $ 100,000 | $ 37,000 |
| Panama City-Lynn Haven, FL | 5 | $ 2,058,000 | $ 411,600 | $ 21,000 |
| Punta Gorda, FL | 5 | $ 1,213,000 | $ 242,600 | $ 43,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,266,000 | $ 253,200 | $ 0 |
| Brownsville-Harlingen, TX | 4 | $ 310,000 | $ 77,500 | $ 46,000 |
| Canton-Massillon, OH | 4 | $ 502,000 | $ 125,500 | $ 39,000 |
| Charlottesville, VA | 4 | $ 322,000 | $ 80,500 | $ 26,000 |
| Clarksville, TN-KY | 4 | $ 610,000 | $ 152,500 | $ 28,000 |
| Danville, VA | 4 | $ 226,000 | $ 56,500 | $ 30,000 |
| Eau Claire, WI | 4 | $ 820,000 | $ 205,000 | $ 0 |
| Fort Collins-Loveland, CO | 4 | $ 837,000 | $ 209,250 | $ 31,000 |
| Jonesboro, AR | 4 | $ 331,000 | $ 82,750 | $ 34,000 |
| Kingston, NY | 4 | $ 599,000 | $ 149,750 | $ 55,000 |
| Lexington-Fayette, KY | 4 | $ 862,000 | $ 215,500 | $ 51,000 |
| Lynchburg, VA | 4 | $ 506,000 | $ 126,500 | $ 11,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 1,428,000 | $ 357,000 | $ 120,000 |
| Redding, CA | 4 | $ 785,000 | $ 196,250 | $ 0 |
| Roanoke, VA | 4 | $ 894,000 | $ 223,500 | $ 46,000 |
| Saginaw-Saginaw Township North, MI | 4 | $ 414,000 | $ 103,500 | $ 32,000 |
| Salem, OR | 4 | $ 784,000 | $ 196,000 | $ 47,000 |
| Syracuse, NY | 4 | $ 340,000 | $ 85,000 | $ 43,000 |
| Tuscaloosa, AL | 4 | $ 690,000 | $ 172,500 | $ 36,000 |
| Wichita, KS | 4 | $ 604,000 | $ 151,000 | $ 63,000 |
| Yuba City, CA | 4 | $ 742,000 | $ 185,500 | $ 17,000 |
| Albany, GA | 3 | $ 314,000 | $ 104,666 | $ 57,000 |
| Bay City, MI | 3 | $ 274,000 | $ 91,333 | $ 45,000 |
| Beaumont-Port Arthur, TX | 3 | $ 226,000 | $ 75,333 | $ 22,000 |
| Brunswick, GA | 3 | $ 451,000 | $ 150,333 | $ 42,000 |
| Champaign-Urbana, IL | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Chattanooga, TN-GA | 3 | $ 284,000 | $ 94,666 | $ 18,000 |
| Des Moines, IA | 3 | $ 938,000 | $ 312,666 | $ 0 |
| Dover, DE | 3 | $ 277,000 | $ 92,333 | $ 62,000 |
| El Centro, CA | 3 | $ 600,000 | $ 200,000 | $ 23,000 |
| Elkhart-Goshen, IN | 3 | $ 352,000 | $ 117,333 | $ 226,000 |
| Gulfport-Biloxi, MS | 3 | $ 347,000 | $ 115,666 | $ 25,000 |
| Harrisonburg, VA | 3 | $ 411,000 | $ 137,000 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 316,000 | $ 105,333 | $ 21,000 |
| Huntsville, AL | 3 | $ 996,000 | $ 332,000 | $ 0 |
| Jackson, MI | 3 | $ 388,000 | $ 129,333 | $ 16,000 |
| Lima, OH | 3 | $ 346,000 | $ 115,333 | $ 62,000 |
| Medford, OR | 3 | $ 982,000 | $ 327,333 | $ 0 |
| Merced, CA | 3 | $ 1,048,000 | $ 349,333 | $ 12,000 |
| Owensboro, KY | 3 | $ 244,000 | $ 81,333 | $ 31,000 |
| Rochester, MN | 3 | $ 461,000 | $ 153,666 | $ 30,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 218,000 | $ 72,666 | $ 41,000 |
| Spartanburg, SC | 3 | $ 428,000 | $ 142,666 | $ 10,000 |
| Springfield, MO | 3 | $ 418,000 | $ 139,333 | $ 43,000 |
| Vero Beach, FL | 3 | $ 1,383,000 | $ 461,000 | $ 0 |
| Visalia-Porterville, CA | 3 | $ 726,000 | $ 242,000 | $ 43,000 |
| Wausau, WI | 3 | $ 243,000 | $ 81,000 | $ 31,000 |
| Wheeling, WV-OH | 3 | $ 156,000 | $ 52,000 | $ 63,000 |
| Yakima, WA | 3 | $ 636,000 | $ 212,000 | $ 29,000 |
| York-Hanover, PA | 3 | $ 360,000 | $ 120,000 | $ 29,000 |
| Anniston-Oxford, AL | 2 | $ 144,000 | $ 72,000 | $ 22,000 |
| Billings, MT | 2 | $ 239,000 | $ 119,500 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 164,000 | $ 82,000 | $ 39,000 |
| Columbus, GA-AL | 2 | $ 436,000 | $ 218,000 | $ 7,000 |
| El Paso, TX | 2 | $ 170,000 | $ 85,000 | $ 38,000 |
| Elmira, NY | 2 | $ 149,000 | $ 74,500 | $ 82,000 |
| Erie, PA | 2 | $ 98,000 | $ 49,000 | $ 55,000 |
| Evansville, IN-KY | 2 | $ 113,000 | $ 56,500 | $ 44,000 |
| Fargo, ND-MN | 2 | $ 216,000 | $ 108,000 | $ 110,000 |
| Goldsboro, NC | 2 | $ 146,000 | $ 73,000 | $ 41,000 |
| Hanford-Corcoran, CA | 2 | $ 367,000 | $ 183,500 | $ 0 |
| Harrisburg-Carlisle, PA | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 2 | $ 344,000 | $ 172,000 | $ 80,000 |
| Jacksonville, NC | 2 | $ 544,000 | $ 272,000 | $ 43,000 |
| Johnson City, TN | 2 | $ 131,000 | $ 65,500 | $ 20,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 120,000 | $ 60,000 | $ 28,000 |
| Lancaster, PA | 2 | $ 326,000 | $ 163,000 | $ 13,000 |
| Lawrence, KS | 2 | $ 271,000 | $ 135,500 | $ 31,000 |
| Lincoln, NE | 2 | $ 233,000 | $ 116,500 | $ 24,000 |
| Little Rock-North Little Rock, AR | 2 | $ 560,000 | $ 280,000 | $ 34,000 |
| Lubbock, TX | 2 | $ 126,000 | $ 63,000 | $ 46,000 |
| Manchester-Nashua, NH | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Mansfield, OH | 2 | $ 291,000 | $ 145,500 | $ 104,000 |
| Missoula, MT | 2 | $ 1,128,000 | $ 564,000 | $ 35,000 |
| Sandusky, OH | 2 | $ 526,000 | $ 263,000 | $ 14,000 |
| Sherman-Denison, TX | 2 | $ 133,000 | $ 66,500 | $ 42,000 |
| Springfield, MA | 2 | $ 207,000 | $ 103,500 | $ 0 |
| St. Cloud, MN | 2 | $ 291,000 | $ 145,500 | $ 0 |
| Utica-Rome, NY | 2 | $ 148,000 | $ 74,000 | $ 48,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 399,000 | $ 199,500 | $ 30,000 |
| Alexandria, LA | 1 | $ 51,000 | $ 51,000 | $ 12,000 |
| Amarillo, TX | 1 | $ 45,000 | $ 45,000 | $ 87,000 |
| Anderson, IN | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
| Appleton, WI | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Atlantic City, NJ | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Bellingham, WA | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Cleveland, TN | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Columbus, IN | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Dalton, GA | 1 | $ 209,000 | $ 209,000 | $ 69,000 |
| Danville, IL | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Dothan, AL | 1 | $ 136,000 | $ 136,000 | $ 48,000 |
| Farmington, NM | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Great Falls, MT | 1 | $ 90,000 | $ 90,000 | $ 23,000 |
| Green Bay, WI | 1 | $ 500,000 | $ 500,000 | $ 266,000 |
| Hot Springs, AR | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 94,000 | $ 94,000 | $ 29,000 |
| Joplin, MO | 1 | $ 393,000 | $ 393,000 | $ 192,000 |
| Kankakee-Bradley, IL | 1 | $ 182,000 | $ 182,000 | $ 40,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 224,000 | $ 224,000 | $ 125,000 |
| Kokomo, IN | 1 | $ 87,000 | $ 87,000 | $ 95,000 |
| Lafayette, IN | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Lafayette, LA | 1 | $ 350,000 | $ 350,000 | $ 82,000 |
| Lake Charles, LA | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Las Cruces, NM | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Madera, CA | 1 | $ 1,484,000 | $ 1,484,000 | $ 0 |
| Morristown, TN | 1 | $ 42,000 | $ 42,000 | $ 15,000 |
| Muncie, IN | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Pascagoula, MS | 1 | $ 122,000 | $ 122,000 | $ 38,000 |
| Pittsfield, MA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 101,000 | $ 101,000 | $ 38,000 |
| San Angelo, TX | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Sheboygan, WI | 1 | $ 99,000 | $ 99,000 | $ 58,000 |
| Shreveport-Bossier City, LA | 1 | $ 41,000 | $ 41,000 | $ 21,000 |
| Sioux Falls, SD | 1 | $ 252,000 | $ 252,000 | $ 0 |
| St. George, UT | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Terre Haute, IN | 1 | $ 150,000 | $ 150,000 | $ 23,000 |
| Topeka, KS | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 86,000 | $ 86,000 | $ 32,000 |
| Wenatchee, WA | 1 | $ 224,000 | $ 224,000 | $ 92,000 |
| Winchester, VA-WV | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Yuma, AZ | 1 | $ 123,000 | $ 123,000 | $ 0 |
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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