Franklin Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Franklin Bank & Trust Company of Franklin, KY reported 389 mortgage applications totaling $65.8 million, down 1% from 2012. The average application was for $169,082, and applicants reported an average income of $65,894. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Bowling Green, KY (107), Nashville-Davidson--Murfreesboro--Franklin, TN (13) and Lexington-Fayette, KY (4) (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 | 389 |
| Total Mortgage Loan Application Amount | $65,773,000 |
| Average Mortgage Loan Application Amount | $169,082 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $65,894 |
| Highest Applicant Income | $850,000 |
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records Franklin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Simpson, Kentucky | 225 | $ 36,540,000 | $ 162,400 | $ 57,000 |
| Warren, Kentucky | 105 | $ 21,884,000 | $ 208,419 | $ 77,000 |
| Allen, Kentucky | 13 | $ 1,056,000 | $ 81,230 | $ 90,000 |
| Taylor, Kentucky | 8 | $ 262,000 | $ 32,750 | $ 83,000 |
| Sumner, Tennessee | 8 | $ 943,000 | $ 117,875 | $ 48,000 |
| Logan, Kentucky | 7 | $ 476,000 | $ 68,000 | $ 89,000 |
| Fayette, Kentucky | 4 | $ 1,197,000 | $ 299,250 | $ 12,000 |
| Edmonson, Kentucky | 2 | $ 144,000 | $ 72,000 | $ 18,000 |
| Robertson, Tennessee | 2 | $ 283,000 | $ 141,500 | $ 86,000 |
| Baldwin, Alabama | 1 | $ 123,000 | $ 123,000 | $ 25,000 |
| Broward, Florida | 1 | $ 67,000 | $ 67,000 | $ 11,000 |
| Indian River, Florida | 1 | $ 720,000 | $ 720,000 | $ 480,000 |
| Lake, Florida | 1 | $ 160,000 | $ 160,000 | $ 42,000 |
| Barren, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 367,000 |
| Boyle, Kentucky | 1 | $ 51,000 | $ 51,000 | $ 191,000 |
| Butler, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 24,000 |
| Hardin, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 41,000 |
| Monroe, Kentucky | 1 | $ 28,000 | $ 28,000 | $ 103,000 |
| Ohio, Kentucky | 1 | $ 28,000 | $ 28,000 | $ 104,000 |
| Oldham, Kentucky | 1 | $ 318,000 | $ 318,000 | $ 77,000 |
| Rockcastle, Kentucky | 1 | $ 664,000 | $ 664,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 128,000 | $ 128,000 | $ 55,000 |
| Rutherford, Tennessee | 1 | $ 94,000 | $ 94,000 | $ 55,000 |
| Williamson, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Franklin Bank & Trust Company in 2013
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 | 188 | $32,531,000 | $173,000 | $5,200,000 | $69,000 | $548,000 |
| Home Purchase | 130 | $25,574,000 | $196,000 | $4,363,000 | $75,000 | $850,000 |
| Home Improvement | 71 | $7,668,000 | $108,000 | $2,310,000 | $41,000 | $260,000 |
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 | 310 | $36,973,000 | $119,000 | $2,310,000 | $75,000 | $850,000 |
| Not applicable | 43 | $25,196,000 | $585,000 | $5,200,000 | $8,000 | $386,000 |
| Black or African American | 18 | $1,219,000 | $67,000 | $192,000 | $32,000 | $70,000 |
| Not Provided | 16 | $1,975,000 | $123,000 | $215,000 | $51,000 | $119,000 |
| Hispanic | 2 | $410,000 | $205,000 | $315,000 | $375,000 | $412,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 368 | $63,527,000 | $172,000 | $5,200,000 | $68,000 | $850,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,161,000 | $108,000 | $168,000 | $31,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 1 | $85,000 | $85,000 | $85,000 | $52,000 | $52,000 |
| 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 | 354 | $62,094,000 | $175,000 | $5,200,000 | $68,000 | $850,000 |
| Application Denied By Financial Institution | 23 | $2,194,000 | $95,000 | $247,000 | $38,000 | $157,000 |
| Application Withdrawn By Applicant | 12 | $1,485,000 | $123,000 | $174,000 | $67,000 | $199,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 13 | $843,000 | $64,000 | $192,000 | $31,000 | $63,000 |
| Debt-To-Income Ratio | 7 | $922,000 | $131,000 | $215,000 | $33,000 | $62,000 |
| Employment History | 2 | $332,000 | $166,000 | $247,000 | $104,000 | $157,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $22,000 | $22,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Bank & Trust Company's 2013 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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