Franklin Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Franklin Bank & Trust Company of Franklin, KY reported 132 mortgage applications totaling $46.2 million, up 22% from 2024. The average application was for $350,303, and applicants reported an average income of $149,484. 95% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Bowling Green, KY (66), Nashville-Davidson--Murfreesboro--Franklin, TN (4) and Crestview-Fort Walton Beach-Destin, FL (2) (applications in parentheses).
| Mortgage Company & Address | Franklin Bank & Trust Company P.O. Box 449 Franklin, KY 42134 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 132 |
| Total Mortgage Loan Application Amount | $46,240,000 |
| Average Mortgage Loan Application Amount | $350,303 |
| Highest Mortgage Loan Application Amount | $4,905,000 |
| Average Applicant Income | $149,484 |
| Highest Applicant Income | $774,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Franklin Bank & Trust Company in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 79 | $30,425,000 | $385,000 | $4,905,000 | $134,000 | $582,000 |
| Refinancing | 48 | $15,490,000 | $322,000 | $4,005,000 | $172,000 | $774,000 |
| Home Improvement | 5 | $325,000 | $65,000 | $145,000 | $178,000 | $434,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 65 | $32,325,000 | $497,000 | $4,905,000 | $0 | $0 |
| White | 59 | $13,075,000 | $221,000 | $1,045,000 | $151,000 | $774,000 |
| Hispanic | 4 | $480,000 | $120,000 | $135,000 | $147,000 | $498,000 |
| Black or African American | 3 | $175,000 | $58,000 | $95,000 | $64,000 | $87,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $582,000 | $582,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 132 | $46,240,000 | $350,000 | $4,905,000 | $154,000 | $774,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 125 | $43,935,000 | $351,000 | $4,905,000 | $153,000 | $774,000 |
| Application Withdrawn By Applicant | 4 | $1,960,000 | $490,000 | $1,045,000 | $264,000 | $569,000 |
| Application Denied By Financial Institution | 3 | $345,000 | $115,000 | $275,000 | $65,000 | $80,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 132 | $46,240,000 | $350,000 | $4,905,000 | $154,000 | $774,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Bank & Trust Company's 2025 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 & Trust Company'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 Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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