Franklin Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Franklin Bank & Trust Company of Franklin, KY reported 302 mortgage applications totaling $39.8 million, up 7% from 2014. The average application was for $131,887, and applicants reported an average income of $66,748. 85% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Bowling Green, KY (129), Nashville-Davidson--Murfreesboro--Franklin, TN (15) and Clarksville, TN-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 | 302 |
| Total Mortgage Loan Application Amount | $39,830,000 |
| Average Mortgage Loan Application Amount | $131,887 |
| Highest Mortgage Loan Application Amount | $1,434,000 |
| Average Applicant Income | $66,748 |
| Highest Applicant Income | $689,000 |
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records Franklin Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 149 | $22,250,000 | $149,000 | $650,000 | $71,000 | $689,000 |
| Refinancing | 97 | $15,601,000 | $160,000 | $1,434,000 | $67,000 | $337,000 |
| Home Improvement | 56 | $1,979,000 | $35,000 | $227,000 | $55,000 | $138,000 |
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 | 235 | $28,705,000 | $122,000 | $475,000 | $75,000 | $689,000 |
| Not applicable | 35 | $6,836,000 | $195,000 | $1,434,000 | $0 | $0 |
| Black or African American | 15 | $1,485,000 | $99,000 | $627,000 | $63,000 | $118,000 |
| Not Provided | 11 | $980,000 | $89,000 | $235,000 | $42,000 | $117,000 |
| Hispanic | 4 | $1,400,000 | $350,000 | $640,000 | $252,000 | $337,000 |
| Asian | 2 | $424,000 | $212,000 | $279,000 | $62,000 | $87,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 269 | $35,312,000 | $131,000 | $1,434,000 | $69,000 | $689,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,640,000 | $109,000 | $191,000 | $40,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,192,000 | $182,000 | $413,000 | $64,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 6 | $686,000 | $114,000 | $137,000 | $58,000 | $117,000 |
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 | 257 | $34,297,000 | $133,000 | $1,434,000 | $68,000 | $689,000 |
| Application Denied By Financial Institution | 25 | $2,385,000 | $95,000 | $196,000 | $37,000 | $106,000 |
| Application Withdrawn By Applicant | 16 | $2,639,000 | $164,000 | $417,000 | $90,000 | $249,000 |
| File Closed For Incompleteness | 2 | $258,000 | $129,000 | $135,000 | $47,000 | $94,000 |
| Application Approved But Not Accepted | 2 | $251,000 | $125,000 | $151,000 | $43,000 | $54,000 |
| 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 | 16 | $1,443,000 | $90,000 | $184,000 | $35,000 | $89,000 |
| Debt-To-Income Ratio | 5 | $416,000 | $83,000 | $196,000 | $33,000 | $73,000 |
| Other | 2 | $283,000 | $141,000 | $168,000 | $88,000 | $106,000 |
| Unverifiable Information | 1 | $117,000 | $117,000 | $117,000 | $40,000 | $40,000 |
| Collateral | 1 | $126,000 | $126,000 | $126,000 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Bank & Trust Company's 2015 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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