Franklin Financial Mortgage Lending & HMDA Data, 2005
In 2005, Franklin Financial of Mission Viejo, CA reported 2,693 mortgage applications totaling $772.8 million, down 24% from 2004. The average application was for $286,967, and applicants reported an average income of $109,709. 53% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (371), Los Angeles-Long Beach-Glendale, CA (284) and Riverside-San Bernardino-Ontario, CA (225) (applications in parentheses).
| 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 | $286,967 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $109,709 |
| Highest Applicant Income | $3,129,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Ana-Anaheim-Irvine, CA | 371 | $ 191,256,000 | $ 515,514 | $ 172,000 |
| Los Angeles-Long Beach-Glendale, CA | 284 | $ 96,479,000 | $ 339,714 | $ 119,000 |
| Riverside-San Bernardino-Ontario, CA | 225 | $ 55,457,000 | $ 246,475 | $ 92,000 |
| San Francisco-San Mateo-Redwood City, CA | 129 | $ 104,866,000 | $ 812,914 | $ 148,000 |
| San Diego-Carlsbad-San Marcos, CA | 106 | $ 33,724,000 | $ 318,150 | $ 114,000 |
| Phoenix-Mesa-Scottsdale, AZ | 97 | $ 17,136,000 | $ 176,659 | $ 128,000 |
| Atlanta-Sandy Springs-Marietta, GA | 88 | $ 15,771,000 | $ 179,215 | $ 108,000 |
| Las Vegas-Paradise, NV | 79 | $ 18,649,000 | $ 236,063 | $ 137,000 |
| Denver-Aurora, CO | 66 | $ 13,209,000 | $ 200,136 | $ 85,000 |
| Oakland-Fremont-Hayward, CA | 59 | $ 20,244,000 | $ 343,118 | $ 90,000 |
| Dallas-Plano-Irving, TX | 56 | $ 8,129,000 | $ 145,160 | $ 116,000 |
| Houston-Baytown-Sugar Land, TX | 54 | $ 5,736,000 | $ 106,222 | $ 126,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 5,781,000 | $ 141,000 | $ 107,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 36 | $ 4,934,000 | $ 137,055 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 35 | $ 5,860,000 | $ 167,428 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 34 | $ 6,779,000 | $ 199,382 | $ 71,000 |
| Santa Rosa-Petaluma, CA | 34 | $ 11,462,000 | $ 337,117 | $ 58,000 |
| Orlando, FL | 30 | $ 4,475,000 | $ 149,166 | $ 164,000 |
| Fort Worth-Arlington, TX | 24 | $ 1,948,000 | $ 81,166 | $ 87,000 |
| Chicago-Naperville-Joliet, IL | 23 | $ 2,800,000 | $ 121,739 | $ 73,000 |
| Columbus, OH | 20 | $ 1,289,000 | $ 64,450 | $ 105,000 |
| Honolulu, HI | 20 | $ 10,652,000 | $ 532,600 | $ 174,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 20 | $ 3,456,000 | $ 172,800 | $ 110,000 |
| Milwaukee-Waukesha-West Allis, WI | 18 | $ 1,751,000 | $ 97,277 | $ 66,000 |
| Austin-Round Rock, TX | 17 | $ 1,788,000 | $ 105,176 | $ 65,000 |
| Lakeland, FL | 16 | $ 1,652,000 | $ 103,250 | $ 127,000 |
| Sarasota-Bradenton-Venice, FL | 16 | $ 3,110,000 | $ 194,375 | $ 127,000 |
| Stockton, CA | 16 | $ 2,949,000 | $ 184,312 | $ 108,000 |
| Springfield, MO | 14 | $ 3,804,000 | $ 271,714 | $ 205,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 3,955,000 | $ 304,230 | $ 182,000 |
| Cleveland-Elyria-Mentor, OH | 12 | $ 746,000 | $ 62,166 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 1,712,000 | $ 142,666 | $ 79,000 |
| Jacksonville, FL | 12 | $ 1,387,000 | $ 115,583 | $ 206,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 3,366,000 | $ 280,500 | $ 244,000 |
| Portland-Vancouver-Beaverton, OR-WA | 12 | $ 2,687,000 | $ 223,916 | $ 56,000 |
| Detroit-Livonia-Dearborn, MI | 11 | $ 748,000 | $ 68,000 | $ 79,000 |
| Provo-Orem, UT | 11 | $ 2,230,000 | $ 202,727 | $ 39,000 |
| Salt Lake City, UT | 11 | $ 4,208,000 | $ 382,545 | $ 255,000 |
| Vallejo-Fairfield, CA | 11 | $ 1,962,000 | $ 178,363 | $ 71,000 |
| Colorado Springs, CO | 10 | $ 819,000 | $ 81,900 | $ 38,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 1,239,000 | $ 123,900 | $ 138,000 |
| San Antonio, TX | 10 | $ 615,000 | $ 61,500 | $ 35,000 |
| Warren-Farmington Hills-Troy, MI | 10 | $ 1,046,000 | $ 104,600 | $ 64,000 |
| Baltimore-Towson, MD | 8 | $ 1,370,000 | $ 171,250 | $ 99,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 2,309,000 | $ 288,625 | $ 83,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 5,715,000 | $ 714,375 | $ 94,000 |
| Albuquerque, NM | 7 | $ 820,000 | $ 117,142 | $ 196,000 |
| Richmond, VA | 7 | $ 319,000 | $ 45,571 | $ 89,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 410,000 | $ 68,333 | $ 65,000 |
| Morristown, TN | 6 | $ 771,000 | $ 128,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,788,000 | $ 298,000 | $ 93,000 |
| Bakersfield, CA | 5 | $ 734,000 | $ 146,800 | $ 37,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,405,000 | $ 281,000 | $ 103,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 718,000 | $ 143,600 | $ 55,000 |
| Gulfport-Biloxi, MS | 5 | $ 365,000 | $ 73,000 | $ 62,000 |
| Indianapolis, IN | 5 | $ 267,000 | $ 53,400 | $ 32,000 |
| Medford, OR | 5 | $ 522,000 | $ 104,400 | $ 71,000 |
| Spokane, WA | 5 | $ 676,000 | $ 135,200 | $ 80,000 |
| St. George, UT | 5 | $ 895,000 | $ 179,000 | $ 97,000 |
| Yuba City, CA | 5 | $ 715,000 | $ 143,000 | $ 89,000 |
| Dayton, OH | 4 | $ 614,000 | $ 153,500 | $ 35,000 |
| Fresno, CA | 4 | $ 538,000 | $ 134,500 | $ 96,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 231,000 | $ 57,750 | $ 42,000 |
| Greeley, CO | 4 | $ 436,000 | $ 109,000 | $ 68,000 |
| Green Bay, WI | 4 | $ 317,000 | $ 79,250 | $ 54,000 |
| Kansas City, MO-KS | 4 | $ 249,000 | $ 62,250 | $ 91,000 |
| New Haven-Milford, CT | 4 | $ 1,316,000 | $ 329,000 | $ 230,000 |
| Ogden-Clearfield, UT | 4 | $ 990,000 | $ 247,500 | $ 101,000 |
| Oklahoma City, OK | 4 | $ 316,000 | $ 79,000 | $ 0 |
| Philadelphia, PA | 4 | $ 1,405,000 | $ 351,250 | $ 684,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 2,200,000 | $ 550,000 | $ 302,000 |
| St. Louis, MO-IL | 4 | $ 163,000 | $ 40,750 | $ 62,000 |
| Tucson, AZ | 4 | $ 531,000 | $ 132,750 | $ 88,000 |
| Akron, OH | 3 | $ 1,460,000 | $ 486,666 | $ 0 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,120,000 | $ 373,333 | $ 185,000 |
| Boulder, CO | 3 | $ 420,000 | $ 140,000 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 755,000 | $ 251,666 | $ 99,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 552,000 | $ 184,000 | $ 38,000 |
| El Paso, TX | 3 | $ 108,000 | $ 36,000 | $ 117,000 |
| Flagstaff, AZ | 3 | $ 598,000 | $ 199,333 | $ 306,000 |
| Monroe, MI | 3 | $ 209,000 | $ 69,666 | $ 57,000 |
| Naples-Marco Island, FL | 3 | $ 2,557,000 | $ 852,333 | $ 440,000 |
| Norwich-New London, CT | 3 | $ 958,000 | $ 319,333 | $ 121,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 347,000 | $ 115,666 | $ 144,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 965,000 | $ 321,666 | $ 92,000 |
| Tallahassee, FL | 3 | $ 217,000 | $ 72,333 | $ 32,000 |
| Toledo, OH | 3 | $ 267,000 | $ 89,000 | $ 0 |
| Visalia-Porterville, CA | 3 | $ 622,000 | $ 207,333 | $ 53,000 |
| Athens-Clarke County, GA | 2 | $ 128,000 | $ 64,000 | $ 129,000 |
| Charleston-North Charleston, SC | 2 | $ 732,000 | $ 366,000 | $ 72,000 |
| Cheyenne, WY | 2 | $ 125,000 | $ 62,500 | $ 127,000 |
| Coeur D'Alene, ID | 2 | $ 492,000 | $ 246,000 | $ 66,000 |
| Evansville, IN-KY | 2 | $ 115,000 | $ 57,500 | $ 55,000 |
| Flint, MI | 2 | $ 72,000 | $ 36,000 | $ 108,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 1,049,000 | $ 524,500 | $ 0 |
| Holland-Grand Haven, MI | 2 | $ 149,000 | $ 74,500 | $ 47,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 219,000 | $ 109,500 | $ 74,000 |
| Memphis, TN-MS-AR | 2 | $ 71,000 | $ 35,500 | $ 417,000 |
| Modesto, CA | 2 | $ 253,000 | $ 126,500 | $ 164,000 |
| Punta Gorda, FL | 2 | $ 152,000 | $ 76,000 | $ 138,000 |
| Roanoke, VA | 2 | $ 155,000 | $ 77,500 | $ 140,000 |
| Rockford, IL | 2 | $ 83,000 | $ 41,500 | $ 38,000 |
| Salem, OR | 2 | $ 239,000 | $ 119,500 | $ 87,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 95,000 | $ 47,500 | $ 178,000 |
| Tacoma, WA | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 115,000 | $ 57,500 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 197,000 | $ 98,500 | $ 42,000 |
| Yakima, WA | 2 | $ 136,000 | $ 68,000 | $ 33,000 |
| Ann Arbor, MI | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 268,000 | $ 268,000 | $ 108,000 |
| Boise City-Nampa, ID | 1 | $ 256,000 | $ 256,000 | $ 137,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 198,000 | $ 198,000 | $ 84,000 |
| Chico, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 66,000 | $ 66,000 | $ 46,000 |
| Columbia, SC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Eau Claire, WI | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Eugene-Springfield, OR | 1 | $ 21,000 | $ 21,000 | $ 64,000 |
| Farmington, NM | 1 | $ 218,000 | $ 218,000 | $ 52,000 |
| Knoxville, TN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Madera, CA | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| Merced, CA | 1 | $ 520,000 | $ 520,000 | $ 615,000 |
| Napa, CA | 1 | $ 268,000 | $ 268,000 | $ 48,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Ocala, FL | 1 | $ 31,000 | $ 31,000 | $ 58,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 68,000 | $ 68,000 | $ 138,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Prescott, AZ | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Redding, CA | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Salinas, CA | 1 | $ 452,000 | $ 452,000 | $ 177,000 |
| Salisbury, MD | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Sherman-Denison, TX | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Tulsa, OK | 1 | $ 356,000 | $ 356,000 | $ 87,000 |
| Yuma, AZ | 1 | $ 346,000 | $ 346,000 | $ 240,000 |
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.
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