Franklin Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Franklin Financial 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Franklin Financial 26060 Acero Street, #200 Mission Viejo, CA 92691 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,562 |
| Total Mortgage Loan Application Amount | $863,911,000 |
| Average Mortgage Loan Application Amount | $140,031 |
| Highest Mortgage Loan Application Amount | $2,958,000 |
| Average Applicant Income | $85,515 |
| Highest Applicant Income | $5,823,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Franklin Financial. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Franklin Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Franklin Financial's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Franklin Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Franklin Financial, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Franklin Financial's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County California | 587 | $ 215,545,000 | $ 367,000 | $ 172,000 |
| Los Angeles County California | 430 | $ 117,710,000 | $ 273,000 | $ 119,000 |
| Riverside County California | 214 | $ 42,522,000 | $ 198,000 | $ 79,000 |
| San Francisco County California | 179 | $ 93,136,000 | $ 520,000 | $ 144,000 |
| San Diego County California | 172 | $ 54,451,000 | $ 316,000 | $ 109,000 |
| Clark County Nevada | 128 | $ 19,746,000 | $ 154,000 | $ 69,000 |
| San Bernardino County California | 125 | $ 19,534,000 | $ 156,000 | $ 72,000 |
| Contra Costa County California | 85 | $ 18,734,000 | $ 220,000 | $ 67,000 |
| Alameda County California | 82 | $ 22,588,000 | $ 275,000 | $ 106,000 |
| Miami-Dade County Florida | 75 | $ 8,616,000 | $ 114,000 | $ 71,000 |
| Broward County Florida | 62 | $ 10,171,000 | $ 164,000 | $ 363,000 |
| Maricopa County Arizona | 51 | $ 5,666,000 | $ 111,000 | $ 104,000 |
| Cook County Illinois | 46 | $ 6,386,000 | $ 138,000 | $ 67,000 |
| Santa Clara County California | 42 | $ 10,666,000 | $ 253,000 | $ 107,000 |
| San Mateo County California | 40 | $ 13,350,000 | $ 333,000 | $ 123,000 |
| San Joaquin County California | 38 | $ 5,848,000 | $ 153,000 | $ 83,000 |
| Sacramento County California | 37 | $ 5,356,000 | $ 144,000 | $ 44,000 |
| Adams County Colorado | 31 | $ 3,012,000 | $ 97,000 | $ 66,000 |
| Orange County Florida | 26 | $ 3,057,000 | $ 117,000 | $ 80,000 |
| Denver County Colorado | 25 | $ 3,690,000 | $ 147,000 | $ 58,000 |
| Arapahoe County Colorado | 24 | $ 3,452,000 | $ 143,000 | $ 89,000 |
| Fairfield County Connecticut | 24 | $ 3,941,000 | $ 164,000 | $ 102,000 |
| Solano County California | 23 | $ 4,380,000 | $ 190,000 | $ 82,000 |
| Sonoma County California | 23 | $ 7,164,000 | $ 311,000 | $ 96,000 |
| Jefferson County Colorado | 23 | $ 3,137,000 | $ 136,000 | $ 78,000 |
| Harris County Texas | 22 | $ 1,875,000 | $ 85,000 | $ 61,000 |
| King County Washington | 22 | $ 3,698,000 | $ 168,000 | $ 125,000 |
| Stanislaus County California | 19 | $ 2,473,000 | $ 130,000 | $ 93,000 |
| Fulton County Georgia | 19 | $ 3,048,000 | $ 160,000 | $ 39,000 |
| Honolulu County Hawaii | 18 | $ 6,489,000 | $ 360,000 | $ 265,000 |
| Fresno County California | 17 | $ 1,850,000 | $ 108,000 | $ 64,000 |
| Larimer County Colorado | 17 | $ 2,275,000 | $ 133,000 | $ 85,000 |
| Santa Cruz County California | 16 | $ 6,647,000 | $ 415,000 | $ 197,000 |
| Palm Beach County Florida | 16 | $ 1,582,000 | $ 98,000 | $ 64,000 |
| Sarasota County Florida | 15 | $ 1,864,000 | $ 124,000 | $ 58,000 |
| Douglas County Colorado | 14 | $ 2,879,000 | $ 205,000 | $ 186,000 |
| Gwinnett County Georgia | 14 | $ 1,087,000 | $ 77,000 | $ 47,000 |
| Bernalillo County New Mexico | 14 | $ 1,814,000 | $ 129,000 | $ 77,000 |
| Walton County Florida | 13 | $ 3,619,000 | $ 278,000 | $ 163,000 |
| Multnomah County Oregon | 13 | $ 1,077,000 | $ 82,000 | $ 56,000 |
| Ventura County California | 12 | $ 4,167,000 | $ 347,000 | $ 76,000 |
| Lee County Florida | 12 | $ 1,079,000 | $ 89,000 | $ 77,000 |
| Osceola County Florida | 12 | $ 1,314,000 | $ 109,000 | $ 54,000 |
| Cobb County Georgia | 12 | $ 1,724,000 | $ 143,000 | $ 113,000 |
| DeKalb County Georgia | 12 | $ 951,000 | $ 79,000 | $ 73,000 |
| Kern County California | 11 | $ 1,505,000 | $ 136,000 | $ 72,000 |
| Bay County Florida | 11 | $ 1,834,000 | $ 166,000 | $ 164,000 |
| Okaloosa County Florida | 11 | $ 2,712,000 | $ 246,000 | $ 150,000 |
| Weld County Colorado | 10 | $ 729,000 | $ 72,000 | $ 54,000 |
| New Haven County Connecticut | 10 | $ 1,153,000 | $ 115,000 | $ 88,000 |
| Hillsborough County Florida | 10 | $ 830,000 | $ 83,000 | $ 24,000 |
| Hawaii County Hawaii | 10 | $ 4,214,000 | $ 421,000 | $ 176,000 |
| Salt Lake County Utah | 10 | $ 1,064,000 | $ 106,000 | $ 34,000 |
| Mono County California | 9 | $ 3,218,000 | $ 357,000 | $ 144,000 |
| Santa Barbara County California | 9 | $ 3,259,000 | $ 362,000 | $ 104,000 |
| Wayne County Michigan | 9 | $ 2,120,000 | $ 235,000 | $ 139,000 |
| Lake County Ohio | 9 | $ 1,428,000 | $ 158,000 | $ 64,000 |
| Denton County Texas | 9 | $ 2,483,000 | $ 275,000 | $ 197,000 |
| Pima County Arizona | 8 | $ 707,000 | $ 88,000 | $ 47,000 |
| San Luis Obispo County California | 8 | $ 3,311,000 | $ 413,000 | $ 222,000 |
| Tulare County California | 8 | $ 650,000 | $ 81,000 | $ 79,000 |
| Boulder County Colorado | 8 | $ 1,938,000 | $ 242,000 | $ 144,000 |
| Broomfield County Colorado | 8 | $ 1,753,000 | $ 219,000 | $ 73,000 |
| El Paso County Colorado | 8 | $ 435,000 | $ 54,000 | $ 76,000 |
| Seminole County Florida | 8 | $ 637,000 | $ 79,000 | $ 95,000 |
| Franklin County Ohio | 8 | $ 1,212,000 | $ 151,000 | $ 87,000 |
| Dallas County Texas | 8 | $ 2,202,000 | $ 275,000 | $ 20,000 |
| Travis County Texas | 8 | $ 1,301,000 | $ 162,000 | $ 19,000 |
| Marin County California | 7 | $ 4,075,000 | $ 582,000 | $ 121,000 |
| Monterey County California | 7 | $ 2,074,000 | $ 296,000 | $ 61,000 |
| New London County Connecticut | 7 | $ 709,000 | $ 101,000 | $ 34,000 |
| Pinellas County Florida | 7 | $ 498,000 | $ 71,000 | $ 70,000 |
| Kent County Michigan | 7 | $ 417,000 | $ 59,000 | $ 32,000 |
| Cuyahoga County Ohio | 7 | $ 727,000 | $ 103,000 | $ 75,000 |
| Milwaukee County Wisconsin | 7 | $ 503,000 | $ 71,000 | $ 64,000 |
| Napa County California | 6 | $ 2,067,000 | $ 344,000 | $ 93,000 |
| Duval County Florida | 6 | $ 362,000 | $ 60,000 | $ 82,000 |
| Monroe County Florida | 6 | $ 1,489,000 | $ 248,000 | $ 186,000 |
| Hennepin County Minnesota | 6 | $ 487,000 | $ 81,000 | $ 50,000 |
| Delaware County Ohio | 6 | $ 635,000 | $ 105,000 | $ 93,000 |
| Utah County Utah | 6 | $ 1,234,000 | $ 205,000 | $ 67,000 |
| Prince William County Virginia | 6 | $ 1,289,000 | $ 214,000 | $ 100,000 |
| Pierce County Washington | 6 | $ 1,733,000 | $ 288,000 | $ 106,000 |
| Butte County California | 5 | $ 709,000 | $ 141,000 | $ 48,000 |
| Yuba County California | 5 | $ 594,000 | $ 118,000 | $ 112,000 |
| Fayette County Georgia | 5 | $ 786,000 | $ 157,000 | $ 24,000 |
| Oakland County Michigan | 5 | $ 607,000 | $ 121,000 | $ 50,000 |
| Hamilton County Ohio | 5 | $ 642,000 | $ 128,000 | $ 70,000 |
| El Dorado County California | 4 | $ 1,487,000 | $ 371,000 | $ 256,000 |
| Lake County California | 4 | $ 604,000 | $ 151,000 | $ 88,000 |
| Hartford County Connecticut | 4 | $ 238,000 | $ 59,000 | $ 92,000 |
| Alachua County Florida | 4 | $ 232,000 | $ 58,000 | $ 31,000 |
| Pasco County Florida | 4 | $ 683,000 | $ 170,000 | $ 199,000 |
| Clayton County Georgia | 4 | $ 339,000 | $ 84,000 | $ 96,000 |
| Kauai County Hawaii | 4 | $ 891,000 | $ 222,000 | $ 183,000 |
| Maui County Hawaii | 4 | $ 2,545,000 | $ 636,000 | $ 170,000 |
| Lake County Illinois | 4 | $ 1,329,000 | $ 332,000 | $ 184,000 |
| Howard County Maryland | 4 | $ 1,274,000 | $ 318,000 | $ 77,000 |
| Montgomery County Maryland | 4 | $ 723,000 | $ 180,000 | $ 63,000 |
| Prince George's County Maryland | 4 | $ 533,000 | $ 133,000 | $ 37,000 |
| Washtenaw County Michigan | 4 | $ 893,000 | $ 223,000 | $ 122,000 |
| Dakota County Minnesota | 4 | $ 450,000 | $ 112,000 | $ 48,000 |
| Greene County Missouri | 4 | $ 658,000 | $ 164,000 | $ 33,000 |
| Lyon County Nevada | 4 | $ 577,000 | $ 144,000 | $ 61,000 |
| Mohave County Arizona | 3 | $ 201,000 | $ 67,000 | $ 83,000 |
| Yuma County Arizona | 3 | $ 390,000 | $ 130,000 | $ 102,000 |
| Madera County California | 3 | $ 534,000 | $ 178,000 | $ 169,000 |
| San Benito County California | 3 | $ 485,000 | $ 161,000 | $ 38,000 |
| Clear Creek County Colorado | 3 | $ 324,000 | $ 108,000 | $ 111,000 |
| Summit County Colorado | 3 | $ 515,000 | $ 171,000 | $ 267,000 |
| Collier County Florida | 3 | $ 254,000 | $ 84,000 | $ 51,000 |
| Manatee County Florida | 3 | $ 273,000 | $ 91,000 | $ 80,000 |
| Marion County Florida | 3 | $ 180,000 | $ 60,000 | $ 32,000 |
| DuPage County Illinois | 3 | $ 559,000 | $ 186,000 | $ 65,000 |
| Marion County Indiana | 3 | $ 366,000 | $ 122,000 | $ 67,000 |
| St. Louis City County Missouri | 3 | $ 188,000 | $ 62,000 | $ 83,000 |
| Jackson County Oregon | 3 | $ 433,000 | $ 144,000 | $ 112,000 |
| Marion County Oregon | 3 | $ 399,000 | $ 133,000 | $ 86,000 |
| Davidson County Tennessee | 3 | $ 248,000 | $ 82,000 | $ 161,000 |
| Bexar County Texas | 3 | $ 215,000 | $ 71,000 | $ 100,000 |
| Fort Bend County Texas | 3 | $ 771,000 | $ 257,000 | $ 90,000 |
| Tarrant County Texas | 3 | $ 1,346,000 | $ 448,000 | $ 299,000 |
| Loudoun County Virginia | 3 | $ 690,000 | $ 230,000 | $ 80,000 |
| Spotsylvania County Virginia | 3 | $ 342,000 | $ 114,000 | $ 90,000 |
| Stafford County Virginia | 3 | $ 466,000 | $ 155,000 | $ 34,000 |
| Snohomish County Washington | 3 | $ 254,000 | $ 84,000 | $ 80,000 |
| Waukesha County Wisconsin | 3 | $ 299,000 | $ 99,000 | $ 49,000 |
| Coconino County Arizona | 2 | $ 120,000 | $ 60,000 | $ 10,000 |
| Pinal County Arizona | 2 | $ 204,000 | $ 102,000 | $ 76,000 |
| Yavapai County Arizona | 2 | $ 408,000 | $ 204,000 | $ 52,000 |
| Inyo County California | 2 | $ 404,000 | $ 202,000 | $ 90,000 |
| Sutter County California | 2 | $ 198,000 | $ 99,000 | $ 94,000 |
| Tuolumne County California | 2 | $ 124,000 | $ 62,000 | $ 57,000 |
| Yolo County California | 2 | $ 176,000 | $ 88,000 | $ 32,000 |
| Alamosa County Colorado | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Elbert County Colorado | 2 | $ 225,000 | $ 112,000 | $ 59,000 |
| Grand County Colorado | 2 | $ 133,000 | $ 66,000 | $ 0 |
| Litchfield County Connecticut | 2 | $ 271,000 | $ 135,000 | $ 92,000 |
| Middlesex County Connecticut | 2 | $ 326,000 | $ 163,000 | $ 94,000 |
| New Castle County Delaware | 2 | $ 178,000 | $ 89,000 | $ 35,000 |
| Indian River County Florida | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Polk County Florida | 2 | $ 137,000 | $ 68,000 | $ 42,000 |
| Putnam County Florida | 2 | $ 119,000 | $ 59,000 | $ 60,000 |
| Volusia County Florida | 2 | $ 64,000 | $ 32,000 | $ 112,000 |
| Dawson County Georgia | 2 | $ 725,000 | $ 362,000 | $ 183,000 |
| Paulding County Georgia | 2 | $ 129,000 | $ 64,000 | $ 33,000 |
| Bannock County Idaho | 2 | $ 155,000 | $ 77,000 | $ 0 |
| DeKalb County Illinois | 2 | $ 277,000 | $ 138,000 | $ 44,000 |
| Kane County Illinois | 2 | $ 169,000 | $ 84,000 | $ 72,000 |
| Lake County Indiana | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Morgan County Indiana | 2 | $ 123,000 | $ 61,000 | $ 0 |
| Nelson County Kentucky | 2 | $ 121,000 | $ 60,000 | $ 26,000 |
| Orleans County Louisiana | 2 | $ 95,000 | $ 47,000 | $ 60,000 |
| Frederick County Maryland | 2 | $ 99,000 | $ 49,000 | $ 269,000 |
| Wicomico County Maryland | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| Monroe County Michigan | 2 | $ 158,000 | $ 79,000 | $ 108,000 |
| Washington County Minnesota | 2 | $ 196,000 | $ 98,000 | $ 48,000 |
| Camden County Missouri | 2 | $ 278,000 | $ 139,000 | $ 21,000 |
| Jackson County Missouri | 2 | $ 283,000 | $ 141,000 | $ 39,000 |
| St. Louis County Missouri | 2 | $ 105,000 | $ 52,000 | $ 47,000 |
| Park County Montana | 2 | $ 74,000 | $ 37,000 | $ 95,000 |
| Carson City County Nevada | 2 | $ 264,000 | $ 132,000 | $ 62,000 |
| Nye County Nevada | 2 | $ 240,000 | $ 120,000 | $ 195,000 |
| Washoe County Nevada | 2 | $ 910,000 | $ 455,000 | $ 438,000 |
| Santa Fe County New Mexico | 2 | $ 130,000 | $ 65,000 | $ 122,000 |
| Erie County Ohio | 2 | $ 123,000 | $ 61,000 | $ 0 |
| Geauga County Ohio | 2 | $ 1,093,000 | $ 546,000 | $ 288,000 |
| Miami County Ohio | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Clackamas County Oregon | 2 | $ 2,146,000 | $ 1,073,000 | $ 201,000 |
| Deschutes County Oregon | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| Douglas County Oregon | 2 | $ 156,000 | $ 78,000 | $ 75,000 |
| Lincoln County Oregon | 2 | $ 85,000 | $ 42,000 | $ 34,000 |
| Tillamook County Oregon | 2 | $ 111,000 | $ 55,000 | $ 60,000 |
| Philadelphia County Pennsylvania | 2 | $ 468,000 | $ 234,000 | $ 347,000 |
| Beaufort County South Carolina | 2 | $ 169,000 | $ 84,000 | $ 64,000 |
| Charleston County South Carolina | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Dorchester County South Carolina | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Sevier County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 0 |
| El Paso County Texas | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Hood County Texas | 2 | $ 300,000 | $ 150,000 | $ 360,000 |
| Rockwall County Texas | 2 | $ 700,000 | $ 350,000 | $ 216,000 |
| Summit County Utah | 2 | $ 540,000 | $ 270,000 | $ 240,000 |
| Washington County Utah | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Fairfax County Virginia | 2 | $ 326,000 | $ 163,000 | $ 65,000 |
| Hampton County Virginia | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Portsmouth County Virginia | 2 | $ 87,000 | $ 43,000 | $ 120,000 |
| Richmond City County Virginia | 2 | $ 152,000 | $ 76,000 | $ 140,000 |
| Clark County Washington | 2 | $ 56,000 | $ 28,000 | $ 49,000 |
| Klickitat County Washington | 2 | $ 241,000 | $ 120,000 | $ 49,000 |
| Skagit County Washington | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Spokane County Washington | 2 | $ 143,000 | $ 71,000 | $ 36,000 |
| Thurston County Washington | 2 | $ 57,000 | $ 28,000 | $ 117,000 |
| Brown County Wisconsin | 2 | $ 135,000 | $ 67,000 | $ 75,000 |
| Buffalo County Wisconsin | 2 | $ 123,000 | $ 61,000 | $ 69,000 |
| St. Croix County Wisconsin | 2 | $ 161,000 | $ 80,000 | $ 156,000 |
| Walworth County Wisconsin | 2 | $ 168,000 | $ 84,000 | $ 61,000 |
| La Paz County Arizona | 1 | $ 400,000 | $ 400,000 | $ 203,000 |
| Hempstead County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 70,000 |
| Amador County California | 1 | $ 54,000 | $ 54,000 | $ 75,000 |
| Imperial County California | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Mariposa County California | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Merced County California | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Placer County California | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Mesa County Colorado | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Moffat County Colorado | 1 | $ 117,000 | $ 117,000 | $ 808,000 |
| Park County Colorado | 1 | $ 45,000 | $ 45,000 | $ 151,000 |
| Pueblo County Colorado | 1 | $ 53,000 | $ 53,000 | $ 75,000 |
| Teller County Colorado | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Brevard County Florida | 1 | $ 86,000 | $ 86,000 | $ 103,000 |
| Clay County Florida | 1 | $ 334,000 | $ 334,000 | $ 193,000 |
| Escambia County Florida | 1 | $ 38,000 | $ 38,000 | $ 229,000 |
| Flagler County Florida | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Lake County Florida | 1 | $ 238,000 | $ 238,000 | $ 59,000 |
| Martin County Florida | 1 | $ 118,000 | $ 118,000 | $ 109,000 |
| St. Johns County Florida | 1 | $ 54,000 | $ 54,000 | $ 120,000 |
| St. Lucie County Florida | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Cherokee County Georgia | 1 | $ 29,000 | $ 29,000 | $ 62,000 |
| Henry County Georgia | 1 | $ 218,000 | $ 218,000 | $ 88,000 |
| Will County Illinois | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Clinton County Indiana | 1 | $ 40,000 | $ 40,000 | $ 104,000 |
| Webster County Iowa | 1 | $ 116,000 | $ 116,000 | $ 101,000 |
| Middlesex County Massachusetts | 1 | $ 189,000 | $ 189,000 | $ 134,000 |
| Jackson County Michigan | 1 | $ 276,000 | $ 276,000 | $ 63,000 |
| Meeker County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 48,000 | $ 48,000 | $ 271,000 |
| Christian County Missouri | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Cole County Missouri | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| DeKalb County Missouri | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| Laclede County Missouri | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| San Juan County New Mexico | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Taos County New Mexico | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Monroe County New York | 1 | $ 99,000 | $ 99,000 | $ 75,000 |
| Clermont County Ohio | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Greene County Ohio | 1 | $ 78,000 | $ 78,000 | $ 66,000 |
| Wyandot County Ohio | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Linn County Oregon | 1 | $ 104,000 | $ 104,000 | $ 506,000 |
| Meade County South Dakota | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Shelby County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 57,000 |
| Galveston County Texas | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Iron County Utah | 1 | $ 620,000 | $ 620,000 | $ 0 |
| San Juan County Utah | 1 | $ 164,000 | $ 164,000 | $ 187,000 |
| Alexandria County Virginia | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Newport News County Virginia | 1 | $ 66,000 | $ 66,000 | $ 82,000 |
| Staunton County Virginia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Clallam County Washington | 1 | $ 163,000 | $ 163,000 | $ 132,000 |
| Cowlitz County Washington | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kitsap County Washington | 1 | $ 368,000 | $ 368,000 | $ 100,000 |
| Kewaunee County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Racine County Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 230,000 |
| Sheboygan County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Winnebago County Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Sweetwater County Wyoming | 1 | $ 93,000 | $ 93,000 | $ 65,000 |
| Teton County Wyoming | 1 | $ 152,000 | $ 152,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Franklin Financial 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,111 | $472,992,000 | $126,176 | $2,320,000 | $78,117 | $1,008,000 |
| Refinancing | 1,449 | $390,835,000 | $163,857 | $2,958,000 | $95,464 | $5,823,000 |
| Home Improvement | 2 | $84,000 | $42,000 | $61,000 | $72,000 | $72,000 |
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 | 1,545 | $429,020,000 | $160,185 | $2,320,000 | $115,518 | $5,823,000 |
| Not Provided | 1,058 | $237,526,000 | $130,548 | $2,958,000 | $64,225 | $3,945,000 |
| Hispanic | 616 | $119,785,000 | $134,285 | $1,500,000 | $66,190 | $660,000 |
| Black or African American | 172 | $32,400,000 | $130,550 | $960,000 | $87,900 | $1,030,000 |
| Asian | 153 | $41,282,000 | $170,181 | $1,500,000 | $112,818 | $1,008,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,514,000 | $241,500 | $624,000 | $118,250 | $196,000 |
| American Indian or Alaskan Native | 2 | $384,000 | $192,000 | $244,000 | $150,000 | $216,000 |
| Not applicable | 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) | 3,561 | $863,717,000 | $132,078 | $2,958,000 | $87,000 | $5,823,000 |
| FHA-insured (Federal Housing Administration) | 1 | $194,000 | $194,000 | $194,000 | $57,000 | $57,000 |
| 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 | 1,892 | $502,920,000 | $137,900 | $1,800,000 | $95,300 | $1,524,000 |
| Application Approved But Not Accepted | 772 | $171,116,000 | $150,678 | $1,866,000 | $101,464 | $3,945,000 |
| Application Denied By Financial Institution | 478 | $87,750,000 | $132,214 | $1,593,000 | $56,964 | $5,823,000 |
| File Closed For Incompleteness | 192 | $47,371,000 | $135,777 | $2,958,000 | $65,166 | $761,000 |
| Application Withdrawn By Applicant | 142 | $40,824,000 | $124,352 | $2,320,000 | $95,941 | $1,030,000 |
| Loan Purchased By The Institution | 86 | $13,930,000 | $124,666 | $940,000 | $84,333 | $363,000 |
| 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 Financial'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 Financial'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 California, download the full spreadsheet
with aggregated HMDA statistics today.