Franklin Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Franklin Financial 2005 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 | 2,693 |
| Total Mortgage Loan Application Amount | $772,804,000 |
| Average Mortgage Loan Application Amount | $188,177 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $100,596 |
| Highest Applicant Income | $3,129,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 371 | $ 191,256,000 | $ 515,000 | $ 172,000 |
| Los Angeles County California | 284 | $ 96,479,000 | $ 339,000 | $ 119,000 |
| Riverside County California | 123 | $ 35,876,000 | $ 291,000 | $ 79,000 |
| San Francisco County California | 119 | $ 97,904,000 | $ 822,000 | $ 121,000 |
| Sevier County Tennessee | 112 | $ 14,221,000 | $ 126,000 | $ 25,000 |
| San Diego County California | 106 | $ 33,724,000 | $ 318,000 | $ 114,000 |
| San Bernardino County California | 102 | $ 19,581,000 | $ 191,000 | $ 112,000 |
| Maricopa County Arizona | 88 | $ 16,199,000 | $ 184,000 | $ 127,000 |
| Clark County Nevada | 79 | $ 18,649,000 | $ 236,000 | $ 137,000 |
| Harris County Texas | 46 | $ 5,326,000 | $ 115,000 | $ 142,000 |
| Contra Costa County California | 36 | $ 11,412,000 | $ 317,000 | $ 72,000 |
| Palm Beach County Florida | 36 | $ 4,934,000 | $ 137,000 | $ 78,000 |
| Broward County Florida | 35 | $ 5,860,000 | $ 167,000 | $ 102,000 |
| Fulton County Georgia | 35 | $ 8,726,000 | $ 249,000 | $ 138,000 |
| Sonoma County California | 34 | $ 11,462,000 | $ 337,000 | $ 58,000 |
| Miami-Dade County Florida | 34 | $ 6,779,000 | $ 199,000 | $ 71,000 |
| Dallas County Texas | 33 | $ 2,809,000 | $ 85,000 | $ 108,000 |
| Alameda County California | 23 | $ 8,832,000 | $ 384,000 | $ 116,000 |
| Tarrant County Texas | 22 | $ 1,822,000 | $ 82,000 | $ 89,000 |
| Arapahoe County Colorado | 20 | $ 3,154,000 | $ 157,000 | $ 66,000 |
| Honolulu County Hawaii | 20 | $ 10,652,000 | $ 532,000 | $ 174,000 |
| Cook County Illinois | 18 | $ 1,997,000 | $ 110,000 | $ 50,000 |
| Franklin County Ohio | 18 | $ 1,171,000 | $ 65,000 | $ 103,000 |
| Denver County Colorado | 17 | $ 2,722,000 | $ 160,000 | $ 83,000 |
| Milwaukee County Wisconsin | 17 | $ 1,726,000 | $ 101,000 | $ 68,000 |
| San Joaquin County California | 16 | $ 2,949,000 | $ 184,000 | $ 108,000 |
| Polk County Florida | 16 | $ 1,652,000 | $ 103,000 | $ 127,000 |
| Orange County Florida | 15 | $ 2,487,000 | $ 165,000 | $ 68,000 |
| Hillsborough County Florida | 14 | $ 1,412,000 | $ 100,000 | $ 82,000 |
| DeKalb County Georgia | 14 | $ 1,240,000 | $ 88,000 | $ 71,000 |
| Sacramento County California | 13 | $ 2,208,000 | $ 169,000 | $ 104,000 |
| Pinellas County Florida | 12 | $ 2,359,000 | $ 196,000 | $ 140,000 |
| Solano County California | 11 | $ 1,962,000 | $ 178,000 | $ 71,000 |
| Hartford County Connecticut | 11 | $ 1,682,000 | $ 152,000 | $ 81,000 |
| Gwinnett County Georgia | 11 | $ 2,641,000 | $ 240,000 | $ 82,000 |
| Wayne County Michigan | 11 | $ 748,000 | $ 68,000 | $ 79,000 |
| Greene County Missouri | 11 | $ 2,837,000 | $ 257,000 | $ 230,000 |
| Travis County Texas | 11 | $ 1,019,000 | $ 92,000 | $ 85,000 |
| Utah County Utah | 11 | $ 2,230,000 | $ 202,000 | $ 39,000 |
| Adams County Colorado | 10 | $ 1,440,000 | $ 144,000 | $ 50,000 |
| El Paso County Colorado | 10 | $ 819,000 | $ 81,000 | $ 38,000 |
| Bexar County Texas | 10 | $ 615,000 | $ 61,000 | $ 35,000 |
| King County Washington | 10 | $ 2,055,000 | $ 205,000 | $ 107,000 |
| Pinal County Arizona | 9 | $ 937,000 | $ 104,000 | $ 132,000 |
| Douglas County Colorado | 9 | $ 4,216,000 | $ 468,000 | $ 236,000 |
| Sarasota County Florida | 9 | $ 2,057,000 | $ 228,000 | $ 115,000 |
| Seminole County Florida | 9 | $ 1,242,000 | $ 138,000 | $ 176,000 |
| Cobb County Georgia | 9 | $ 915,000 | $ 101,000 | $ 97,000 |
| Cuyahoga County Ohio | 9 | $ 476,000 | $ 52,000 | $ 47,000 |
| Mohave County Arizona | 8 | $ 991,000 | $ 123,000 | $ 117,000 |
| Santa Cruz County California | 8 | $ 5,715,000 | $ 714,000 | $ 94,000 |
| Ventura County California | 8 | $ 2,309,000 | $ 288,000 | $ 83,000 |
| Hernando County Florida | 8 | $ 895,000 | $ 111,000 | $ 99,000 |
| Bell County Texas | 8 | $ 874,000 | $ 109,000 | $ 184,000 |
| Collin County Texas | 8 | $ 1,103,000 | $ 137,000 | $ 145,000 |
| Manatee County Florida | 7 | $ 1,053,000 | $ 150,000 | $ 142,000 |
| Pasco County Florida | 7 | $ 1,115,000 | $ 159,000 | $ 130,000 |
| Hawaii County Hawaii | 7 | $ 4,895,000 | $ 699,000 | $ 191,000 |
| Oakland County Michigan | 7 | $ 713,000 | $ 101,000 | $ 66,000 |
| Bernalillo County New Mexico | 7 | $ 820,000 | $ 117,000 | $ 196,000 |
| Multnomah County Oregon | 7 | $ 2,022,000 | $ 288,000 | $ 34,000 |
| Denton County Texas | 7 | $ 2,231,000 | $ 318,000 | $ 52,000 |
| Prince William County Virginia | 7 | $ 1,593,000 | $ 227,000 | $ 64,000 |
| Mono County California | 6 | $ 1,759,000 | $ 293,000 | $ 424,000 |
| San Mateo County California | 6 | $ 2,967,000 | $ 494,000 | $ 97,000 |
| Santa Clara County California | 6 | $ 1,788,000 | $ 298,000 | $ 93,000 |
| Jefferson County Colorado | 6 | $ 642,000 | $ 107,000 | $ 158,000 |
| Clayton County Georgia | 6 | $ 390,000 | $ 65,000 | $ 88,000 |
| Kauai County Hawaii | 6 | $ 1,651,000 | $ 275,000 | $ 148,000 |
| St. Mary's County Maryland | 6 | $ 765,000 | $ 127,000 | $ 158,000 |
| Williamson County Texas | 6 | $ 769,000 | $ 128,000 | $ 42,000 |
| Salt Lake County Utah | 6 | $ 993,000 | $ 165,000 | $ 55,000 |
| Kern County California | 5 | $ 734,000 | $ 146,000 | $ 37,000 |
| Duval County Florida | 5 | $ 341,000 | $ 68,000 | $ 99,000 |
| Lee County Florida | 5 | $ 718,000 | $ 143,000 | $ 55,000 |
| Will County Illinois | 5 | $ 803,000 | $ 160,000 | $ 119,000 |
| Marion County Indiana | 5 | $ 267,000 | $ 53,000 | $ 32,000 |
| Harrison County Mississippi | 5 | $ 365,000 | $ 73,000 | $ 62,000 |
| Taney County Missouri | 5 | $ 434,000 | $ 86,000 | $ 76,000 |
| Jackson County Oregon | 5 | $ 522,000 | $ 104,000 | $ 71,000 |
| Beaufort County South Carolina | 5 | $ 1,145,000 | $ 229,000 | $ 87,000 |
| Summit County Utah | 5 | $ 3,215,000 | $ 643,000 | $ 454,000 |
| Washington County Utah | 5 | $ 895,000 | $ 179,000 | $ 97,000 |
| Richmond City County Virginia | 5 | $ 244,000 | $ 48,000 | $ 111,000 |
| Kitsap County Washington | 5 | $ 1,405,000 | $ 281,000 | $ 103,000 |
| Spokane County Washington | 5 | $ 676,000 | $ 135,000 | $ 80,000 |
| Pima County Arizona | 4 | $ 531,000 | $ 132,000 | $ 88,000 |
| Fresno County California | 4 | $ 538,000 | $ 134,000 | $ 96,000 |
| Marin County California | 4 | $ 3,995,000 | $ 998,000 | $ 495,000 |
| San Luis Obispo County California | 4 | $ 2,200,000 | $ 550,000 | $ 302,000 |
| Yolo County California | 4 | $ 687,000 | $ 171,000 | $ 200,000 |
| Broomfield County Colorado | 4 | $ 1,035,000 | $ 258,000 | $ 24,000 |
| Weld County Colorado | 4 | $ 436,000 | $ 109,000 | $ 68,000 |
| New Haven County Connecticut | 4 | $ 1,316,000 | $ 329,000 | $ 230,000 |
| Clay County Florida | 4 | $ 547,000 | $ 136,000 | $ 238,000 |
| Flagler County Florida | 4 | $ 346,000 | $ 86,000 | $ 127,000 |
| Lake County Florida | 4 | $ 511,000 | $ 127,000 | $ 424,000 |
| Fayette County Georgia | 4 | $ 489,000 | $ 122,000 | $ 165,000 |
| Henry County Georgia | 4 | $ 859,000 | $ 214,000 | $ 168,000 |
| Howard County Maryland | 4 | $ 633,000 | $ 158,000 | $ 86,000 |
| Kent County Michigan | 4 | $ 231,000 | $ 57,000 | $ 42,000 |
| Hennepin County Minnesota | 4 | $ 1,847,000 | $ 461,000 | $ 170,000 |
| Scott County Minnesota | 4 | $ 750,000 | $ 187,000 | $ 566,000 |
| Jackson County Missouri | 4 | $ 249,000 | $ 62,000 | $ 91,000 |
| Hamilton County Ohio | 4 | $ 297,000 | $ 74,000 | $ 98,000 |
| Miami County Ohio | 4 | $ 614,000 | $ 153,000 | $ 35,000 |
| Oklahoma County Oklahoma | 4 | $ 316,000 | $ 79,000 | $ 0 |
| Yamhill County Oregon | 4 | $ 515,000 | $ 128,000 | $ 94,000 |
| Galveston County Texas | 4 | $ 211,000 | $ 52,000 | $ 67,000 |
| Rockwall County Texas | 4 | $ 1,660,000 | $ 415,000 | $ 239,000 |
| Fairfax County Virginia | 4 | $ 615,000 | $ 153,000 | $ 62,000 |
| Dodge County Wisconsin | 4 | $ 340,000 | $ 85,000 | $ 60,000 |
| Coconino County Arizona | 3 | $ 598,000 | $ 199,000 | $ 306,000 |
| Santa Barbara County California | 3 | $ 965,000 | $ 321,000 | $ 92,000 |
| Tulare County California | 3 | $ 622,000 | $ 207,000 | $ 53,000 |
| Yuba County California | 3 | $ 478,000 | $ 159,000 | $ 84,000 |
| Boulder County Colorado | 3 | $ 420,000 | $ 140,000 | $ 75,000 |
| Kit Carson County Colorado | 3 | $ 176,000 | $ 58,000 | $ 80,000 |
| Fairfield County Connecticut | 3 | $ 755,000 | $ 251,000 | $ 99,000 |
| New London County Connecticut | 3 | $ 958,000 | $ 319,000 | $ 121,000 |
| Brevard County Florida | 3 | $ 347,000 | $ 115,000 | $ 144,000 |
| Collier County Florida | 3 | $ 2,557,000 | $ 852,000 | $ 440,000 |
| Leon County Florida | 3 | $ 217,000 | $ 72,000 | $ 32,000 |
| Monroe County Florida | 3 | $ 566,000 | $ 188,000 | $ 159,000 |
| St. Johns County Florida | 3 | $ 499,000 | $ 166,000 | $ 374,000 |
| Volusia County Florida | 3 | $ 552,000 | $ 184,000 | $ 38,000 |
| Richmond County Georgia | 3 | $ 1,120,000 | $ 373,000 | $ 185,000 |
| Monroe County Michigan | 3 | $ 209,000 | $ 69,000 | $ 57,000 |
| Christian County Missouri | 3 | $ 967,000 | $ 322,000 | $ 144,000 |
| Lucas County Ohio | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Summit County Ohio | 3 | $ 1,460,000 | $ 486,000 | $ 0 |
| Hamblen County Tennessee | 3 | $ 478,000 | $ 159,000 | $ 0 |
| El Paso County Texas | 3 | $ 108,000 | $ 36,000 | $ 117,000 |
| Davis County Utah | 3 | $ 793,000 | $ 264,000 | $ 113,000 |
| Clark County Washington | 3 | $ 322,000 | $ 107,000 | $ 61,000 |
| Snohomish County Washington | 3 | $ 1,900,000 | $ 633,000 | $ 356,000 |
| Santa Cruz County Arizona | 2 | $ 213,000 | $ 106,000 | $ 144,000 |
| Humboldt County California | 2 | $ 642,000 | $ 321,000 | $ 48,000 |
| Inyo County California | 2 | $ 559,000 | $ 279,000 | $ 140,000 |
| Placer County California | 2 | $ 535,000 | $ 267,000 | $ 31,000 |
| Stanislaus County California | 2 | $ 253,000 | $ 126,000 | $ 164,000 |
| Sutter County California | 2 | $ 237,000 | $ 118,000 | $ 106,000 |
| Summit County Colorado | 2 | $ 496,000 | $ 248,000 | $ 114,000 |
| New Castle County Delaware | 2 | $ 197,000 | $ 98,000 | $ 42,000 |
| Charlotte County Florida | 2 | $ 152,000 | $ 76,000 | $ 138,000 |
| Citrus County Florida | 2 | $ 152,000 | $ 76,000 | $ 360,000 |
| Columbia County Florida | 2 | $ 79,000 | $ 39,000 | $ 115,000 |
| Highlands County Florida | 2 | $ 195,000 | $ 97,000 | $ 117,000 |
| Okaloosa County Florida | 2 | $ 1,049,000 | $ 524,000 | $ 0 |
| Osceola County Florida | 2 | $ 235,000 | $ 117,000 | $ 54,000 |
| Clarke County Georgia | 2 | $ 128,000 | $ 64,000 | $ 129,000 |
| Pickens County Georgia | 2 | $ 168,000 | $ 84,000 | $ 84,000 |
| Maui County Hawaii | 2 | $ 1,305,000 | $ 652,000 | $ 212,000 |
| Kootenai County Idaho | 2 | $ 492,000 | $ 246,000 | $ 66,000 |
| Winnebago County Illinois | 2 | $ 83,000 | $ 41,000 | $ 38,000 |
| St. Joseph County Indiana | 2 | $ 95,000 | $ 47,000 | $ 178,000 |
| Vanderburgh County Indiana | 2 | $ 115,000 | $ 57,000 | $ 55,000 |
| Harford County Maryland | 2 | $ 309,000 | $ 154,000 | $ 96,000 |
| Genesee County Michigan | 2 | $ 72,000 | $ 36,000 | $ 108,000 |
| Macomb County Michigan | 2 | $ 175,000 | $ 87,000 | $ 117,000 |
| Ottawa County Michigan | 2 | $ 149,000 | $ 74,000 | $ 47,000 |
| Anoka County Minnesota | 2 | $ 427,000 | $ 213,000 | $ 90,000 |
| Ramsey County Minnesota | 2 | $ 342,000 | $ 171,000 | $ 60,000 |
| St. Louis County Missouri | 2 | $ 72,000 | $ 36,000 | $ 0 |
| St. Louis City County Missouri | 2 | $ 91,000 | $ 45,000 | $ 124,000 |
| Stone County Missouri | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Clermont County Ohio | 2 | $ 113,000 | $ 56,000 | $ 0 |
| Licking County Ohio | 2 | $ 118,000 | $ 59,000 | $ 120,000 |
| Lorain County Ohio | 2 | $ 86,000 | $ 43,000 | $ 119,000 |
| Linn County Oregon | 2 | $ 135,000 | $ 67,000 | $ 52,000 |
| Marion County Oregon | 2 | $ 239,000 | $ 119,000 | $ 87,000 |
| Montgomery County Pennsylvania | 2 | $ 786,000 | $ 393,000 | $ 569,000 |
| Philadelphia County Pennsylvania | 2 | $ 619,000 | $ 309,000 | $ 800,000 |
| Jefferson County Tennessee | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 71,000 | $ 35,000 | $ 417,000 |
| Brazoria County Texas | 2 | $ 61,000 | $ 30,000 | $ 90,000 |
| Ellis County Texas | 2 | $ 141,000 | $ 70,000 | $ 49,000 |
| Fort Bend County Texas | 2 | $ 138,000 | $ 69,000 | $ 47,000 |
| Henderson County Texas | 2 | $ 370,000 | $ 185,000 | $ 911,000 |
| Hidalgo County Texas | 2 | $ 219,000 | $ 109,000 | $ 74,000 |
| Johnson County Texas | 2 | $ 126,000 | $ 63,000 | $ 73,000 |
| Kaufman County Texas | 2 | $ 185,000 | $ 92,000 | $ 101,000 |
| Lampasas County Texas | 2 | $ 365,000 | $ 182,000 | $ 0 |
| Iron County Utah | 2 | $ 105,000 | $ 52,000 | $ 167,000 |
| Chesterfield County Virginia | 2 | $ 75,000 | $ 37,000 | $ 57,000 |
| Hampton County Virginia | 2 | $ 115,000 | $ 57,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 290,000 | $ 145,000 | $ 42,000 |
| Page County Virginia | 2 | $ 270,000 | $ 135,000 | $ 79,000 |
| Roanoke County Virginia | 2 | $ 155,000 | $ 77,000 | $ 140,000 |
| Okanogan County Washington | 2 | $ 259,000 | $ 129,000 | $ 0 |
| Pierce County Washington | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| Yakima County Washington | 2 | $ 136,000 | $ 68,000 | $ 33,000 |
| Brown County Wisconsin | 2 | $ 113,000 | $ 56,000 | $ 58,000 |
| Oconto County Wisconsin | 2 | $ 204,000 | $ 102,000 | $ 51,000 |
| Laramie County Wyoming | 2 | $ 125,000 | $ 62,000 | $ 127,000 |
| Marengo County Alabama | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Cochise County Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Navajo County Arizona | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Yuma County Arizona | 1 | $ 346,000 | $ 346,000 | $ 240,000 |
| Butte County California | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Calaveras County California | 1 | $ 46,000 | $ 46,000 | $ 157,000 |
| El Dorado County California | 1 | $ 26,000 | $ 26,000 | $ 54,000 |
| Madera County California | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| Mariposa County California | 1 | $ 209,000 | $ 209,000 | $ 291,000 |
| Merced County California | 1 | $ 520,000 | $ 520,000 | $ 615,000 |
| Monterey County California | 1 | $ 452,000 | $ 452,000 | $ 177,000 |
| Napa County California | 1 | $ 268,000 | $ 268,000 | $ 48,000 |
| Shasta County California | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Tuolumne County California | 1 | $ 68,000 | $ 68,000 | $ 66,000 |
| Eagle County Colorado | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 233,000 | $ 233,000 | $ 86,000 |
| Litchfield County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 138,000 |
| Middlesex County Connecticut | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Windham County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Marion County Florida | 1 | $ 31,000 | $ 31,000 | $ 58,000 |
| St. Lucie County Florida | 1 | $ 68,000 | $ 68,000 | $ 138,000 |
| Cherokee County Georgia | 1 | $ 147,000 | $ 147,000 | $ 160,000 |
| Dawson County Georgia | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Lumpkin County Georgia | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Ada County Idaho | 1 | $ 256,000 | $ 256,000 | $ 137,000 |
| Madison County Illinois | 1 | $ 204,000 | $ 204,000 | $ 180,000 |
| Marion County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Cumberland County Maine | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 198,000 | $ 198,000 | $ 228,000 |
| Montgomery County Maryland | 1 | $ 268,000 | $ 268,000 | $ 108,000 |
| Prince George's County Maryland | 1 | $ 159,000 | $ 159,000 | $ 39,000 |
| Wicomico County Maryland | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Worcester County Maryland | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Livingston County Michigan | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Cass County Minnesota | 1 | $ 217,000 | $ 217,000 | $ 80,000 |
| Rice County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Reynolds County Missouri | 1 | $ 20,000 | $ 20,000 | $ 71,000 |
| Douglas County Nevada | 1 | $ 432,000 | $ 432,000 | $ 183,000 |
| Lyon County Nevada | 1 | $ 216,000 | $ 216,000 | $ 59,000 |
| Eddy County New Mexico | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| San Juan County New Mexico | 1 | $ 218,000 | $ 218,000 | $ 52,000 |
| Dutchess County New York | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Union County North Carolina | 1 | $ 198,000 | $ 198,000 | $ 84,000 |
| Champaign County Ohio | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Lake County Ohio | 1 | $ 184,000 | $ 184,000 | $ 144,000 |
| Tulsa County Oklahoma | 1 | $ 356,000 | $ 356,000 | $ 87,000 |
| Josephine County Oregon | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Lane County Oregon | 1 | $ 21,000 | $ 21,000 | $ 64,000 |
| Umatilla County Oregon | 1 | $ 31,000 | $ 31,000 | $ 106,000 |
| Washington County Oregon | 1 | $ 150,000 | $ 150,000 | $ 103,000 |
| Franklin County Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 144,000 |
| Richland County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Grainger County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Knox County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Montgomery County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 46,000 |
| Grayson County Texas | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Beaver County Utah | 1 | $ 80,000 | $ 80,000 | $ 99,000 |
| Weber County Utah | 1 | $ 197,000 | $ 197,000 | $ 78,000 |
| Mason County Washington | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Chippewa County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Kenosha County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Portage County Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Washington County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Sweetwater County Wyoming | 1 | $ 27,000 | $ 27,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Franklin Financial in 2005
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 | 1,519 | $398,117,000 | $178,781 | $3,900,000 | $112,218 | $3,129,000 |
| Refinancing | 1,169 | $373,607,000 | $197,586 | $2,210,000 | $85,965 | $1,331,000 |
| Home Improvement | 5 | $1,080,000 | $216,000 | $595,000 | $153,000 | $229,000 |
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 | 1,788 | $552,366,000 | $186,696 | $3,636,000 | $112,575 | $3,129,000 |
| Hispanic | 421 | $96,807,000 | $145,571 | $1,970,000 | $74,190 | $1,018,000 |
| Not Provided | 160 | $44,739,000 | $226,750 | $3,900,000 | $54,208 | $1,200,000 |
| Asian | 156 | $45,578,000 | $154,866 | $1,500,000 | $95,866 | $444,000 |
| Black or African American | 155 | $28,408,000 | $130,200 | $1,680,000 | $76,533 | $1,331,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $954,000 | $214,750 | $356,000 | $82,250 | $175,000 |
| Not applicable | 4 | $3,109,000 | $777,000 | $1,463,000 | $191,000 | $388,000 |
| American Indian or Alaskan Native | 4 | $843,000 | $159,666 | $688,000 | $127,333 | $205,000 |
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) | 2,693 | $772,804,000 | $173,742 | $3,900,000 | $95,600 | $3,129,000 |
| 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 | 1,435 | $470,476,000 | $186,800 | $3,636,000 | $116,933 | $3,129,000 |
| Application Approved But Not Accepted | 534 | $126,486,000 | $165,920 | $3,900,000 | $103,560 | $1,680,000 |
| Application Denied By Financial Institution | 405 | $86,701,000 | $173,333 | $2,210,000 | $80,555 | $1,029,000 |
| File Closed For Incompleteness | 169 | $51,066,000 | $250,900 | $1,785,000 | $106,950 | $1,080,000 |
| Application Withdrawn By Applicant | 110 | $32,087,000 | $169,952 | $2,625,000 | $93,190 | $804,000 |
| Loan Purchased By The Institution | 40 | $5,988,000 | $188,000 | $743,000 | $82,333 | $228,000 |
| 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 2005 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.