Franklin First Financial, Ltd Mortgage Lending & HMDA Data, 2010
In 2010, Franklin First Financial, Ltd of Melville, NY reported 2,232 mortgage applications totaling $584.4 million, down 30% from 2009. The average application was for $261,832, and applicants reported an average income of $87,725. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (629), Nassau-Suffolk, NY (362) and Edison-New Brunswick, NJ (70) (applications in parentheses).
| Mortgage Company & Address | Franklin First Financial, Ltd 538 Broadhollow Road Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 2,232 |
| Total Mortgage Loan Application Amount | $584,410,000 |
| Average Mortgage Loan Application Amount | $261,832 |
| Highest Mortgage Loan Application Amount | $818,000 |
| Average Applicant Income | $87,725 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin First Financial, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Suffolk, New York | 212 | $ 59,723,000 | $ 281,712 | $ 98,000 |
| Kings, New York | 207 | $ 74,567,000 | $ 360,227 | $ 92,000 |
| Queens, New York | 160 | $ 52,944,000 | $ 330,900 | $ 90,000 |
| Nassau, New York | 150 | $ 49,623,000 | $ 330,820 | $ 117,000 |
| Bronx, New York | 66 | $ 21,347,000 | $ 323,439 | $ 77,000 |
| Richmond, New York | 43 | $ 13,995,000 | $ 325,465 | $ 99,000 |
| Bergen, New Jersey | 42 | $ 12,820,000 | $ 305,238 | $ 105,000 |
| Westchester, New York | 42 | $ 14,777,000 | $ 351,833 | $ 108,000 |
| Erie, New York | 38 | $ 5,975,000 | $ 157,236 | $ 88,000 |
| Cook, Illinois | 32 | $ 5,667,000 | $ 177,093 | $ 64,000 |
| Essex, New Jersey | 31 | $ 8,926,000 | $ 287,935 | $ 87,000 |
| Prince George's, Maryland | 28 | $ 6,927,000 | $ 247,392 | $ 81,000 |
| Middlesex, New Jersey | 23 | $ 6,074,000 | $ 264,086 | $ 91,000 |
| Los Angeles, California | 21 | $ 6,017,000 | $ 286,523 | $ 76,000 |
| Fairfield, Connecticut | 21 | $ 5,423,000 | $ 258,238 | $ 93,000 |
| Passaic, New Jersey | 21 | $ 6,111,000 | $ 291,000 | $ 100,000 |
| Hartford, Connecticut | 20 | $ 4,283,000 | $ 214,150 | $ 69,000 |
| Ocean, New Jersey | 20 | $ 5,433,000 | $ 271,650 | $ 84,000 |
| Middlesex, Massachusetts | 18 | $ 5,112,000 | $ 284,000 | $ 89,000 |
| Monmouth, New Jersey | 18 | $ 5,517,000 | $ 306,500 | $ 212,000 |
| Philadelphia, Pennsylvania | 18 | $ 3,151,000 | $ 175,055 | $ 56,000 |
| Miami-Dade, Florida | 17 | $ 3,304,000 | $ 194,352 | $ 88,000 |
| Dutchess, New York | 16 | $ 4,806,000 | $ 300,375 | $ 118,000 |
| Broward, Florida | 15 | $ 2,856,000 | $ 190,400 | $ 123,000 |
| Plymouth, Massachusetts | 15 | $ 3,132,000 | $ 208,800 | $ 71,000 |
| Morris, New Jersey | 15 | $ 4,465,000 | $ 297,666 | $ 152,000 |
| Union, New Jersey | 15 | $ 4,245,000 | $ 283,000 | $ 101,000 |
| Rockland, New York | 15 | $ 4,744,000 | $ 316,266 | $ 108,000 |
| New Haven, Connecticut | 14 | $ 3,157,000 | $ 225,500 | $ 72,000 |
| New York, New York | 14 | $ 5,637,000 | $ 402,642 | $ 188,000 |
| Hudson, New Jersey | 13 | $ 3,459,000 | $ 266,076 | $ 99,000 |
| Orange, New York | 13 | $ 3,362,000 | $ 258,615 | $ 92,000 |
| Monroe, Pennsylvania | 12 | $ 2,061,000 | $ 171,750 | $ 65,000 |
| Monroe, New York | 11 | $ 1,501,000 | $ 136,454 | $ 74,000 |
| Essex, Massachusetts | 10 | $ 2,884,000 | $ 288,400 | $ 79,000 |
| Worcester, Massachusetts | 10 | $ 2,462,000 | $ 246,200 | $ 87,000 |
| Otsego, New York | 10 | $ 2,085,000 | $ 208,500 | $ 134,000 |
| Montgomery, Pennsylvania | 10 | $ 2,472,000 | $ 247,200 | $ 74,000 |
| Palm Beach, Florida | 9 | $ 1,919,000 | $ 213,222 | $ 73,000 |
| Norfolk, Massachusetts | 9 | $ 2,567,000 | $ 285,222 | $ 87,000 |
| Suffolk, Massachusetts | 9 | $ 2,711,000 | $ 301,222 | $ 71,000 |
| Camden, New Jersey | 9 | $ 1,720,000 | $ 191,111 | $ 67,000 |
| Somerset, New Jersey | 9 | $ 2,704,000 | $ 300,444 | $ 115,000 |
| Delaware, Pennsylvania | 9 | $ 1,802,000 | $ 200,222 | $ 74,000 |
| Middlesex, Connecticut | 8 | $ 2,213,000 | $ 276,625 | $ 98,000 |
| New Castle, Delaware | 8 | $ 1,427,000 | $ 178,375 | $ 48,000 |
| District of Columbia, District Of Columbia | 8 | $ 2,621,000 | $ 327,625 | $ 111,000 |
| Hall, Georgia | 8 | $ 1,049,000 | $ 131,125 | $ 59,000 |
| Anne Arundel, Maryland | 8 | $ 2,013,000 | $ 251,625 | $ 77,000 |
| Montgomery, Maryland | 8 | $ 2,877,000 | $ 359,625 | $ 113,000 |
| Hampden, Massachusetts | 8 | $ 1,501,000 | $ 187,625 | $ 81,000 |
| Hillsborough, New Hampshire | 8 | $ 2,100,000 | $ 262,500 | $ 85,000 |
| Mercer, New Jersey | 8 | $ 1,762,000 | $ 220,250 | $ 98,000 |
| Horry, South Carolina | 8 | $ 2,585,000 | $ 323,125 | $ 88,000 |
| Bristol, Massachusetts | 7 | $ 1,485,000 | $ 212,142 | $ 45,000 |
| Burlington, New Jersey | 7 | $ 2,004,000 | $ 286,285 | $ 90,000 |
| Rensselaer, New York | 7 | $ 1,091,000 | $ 155,857 | $ 60,000 |
| Saratoga, New York | 7 | $ 1,264,000 | $ 180,571 | $ 80,000 |
| Ulster, New York | 7 | $ 1,367,000 | $ 195,285 | $ 85,000 |
| Allegheny, Pennsylvania | 7 | $ 1,392,000 | $ 198,857 | $ 102,000 |
| Bucks, Pennsylvania | 7 | $ 1,425,000 | $ 203,571 | $ 79,000 |
| Chester, Pennsylvania | 7 | $ 1,999,000 | $ 285,571 | $ 85,000 |
| Harris, Texas | 7 | $ 1,081,000 | $ 154,428 | $ 10,000 |
| Baltimore, Maryland | 6 | $ 1,474,000 | $ 245,666 | $ 102,000 |
| Gloucester, New Jersey | 6 | $ 1,098,000 | $ 183,000 | $ 65,000 |
| Albany, New York | 6 | $ 1,180,000 | $ 196,666 | $ 45,000 |
| Putnam, New York | 6 | $ 1,608,000 | $ 268,000 | $ 128,000 |
| Franklin, Ohio | 6 | $ 1,030,000 | $ 171,666 | $ 51,000 |
| Berks, Pennsylvania | 6 | $ 1,142,000 | $ 190,333 | $ 73,000 |
| DuPage, Illinois | 5 | $ 1,348,000 | $ 269,600 | $ 99,000 |
| Niagara, New York | 5 | $ 818,000 | $ 163,600 | $ 78,000 |
| Schenectady, New York | 5 | $ 587,000 | $ 117,400 | $ 57,000 |
| Fresno, California | 4 | $ 795,000 | $ 198,750 | $ 67,000 |
| San Diego, California | 4 | $ 1,014,000 | $ 253,500 | $ 81,000 |
| Litchfield, Connecticut | 4 | $ 722,000 | $ 180,500 | $ 63,000 |
| Kent, Delaware | 4 | $ 916,000 | $ 229,000 | $ 40,000 |
| Hillsborough, Florida | 4 | $ 485,000 | $ 121,250 | $ 42,000 |
| Marion, Florida | 4 | $ 459,000 | $ 114,750 | $ 54,000 |
| Orange, Florida | 4 | $ 621,000 | $ 155,250 | $ 65,000 |
| Pasco, Florida | 4 | $ 594,000 | $ 148,500 | $ 46,000 |
| Bibb, Georgia | 4 | $ 526,000 | $ 131,500 | $ 81,000 |
| Carroll, Maryland | 4 | $ 870,000 | $ 217,500 | $ 75,000 |
| Harford, Maryland | 4 | $ 1,138,000 | $ 284,500 | $ 86,000 |
| Macomb, Michigan | 4 | $ 756,000 | $ 189,000 | $ 53,000 |
| Oakland, Michigan | 4 | $ 866,000 | $ 216,500 | $ 87,000 |
| Strafford, New Hampshire | 4 | $ 966,000 | $ 241,500 | $ 90,000 |
| Atlantic, New Jersey | 4 | $ 1,128,000 | $ 282,000 | $ 106,000 |
| Sussex, New Jersey | 4 | $ 1,089,000 | $ 272,250 | $ 116,000 |
| Washington, New York | 4 | $ 830,000 | $ 207,500 | $ 75,000 |
| Wyoming, New York | 4 | $ 549,000 | $ 137,250 | $ 61,000 |
| Buncombe, North Carolina | 4 | $ 875,000 | $ 218,750 | $ 98,000 |
| Mecklenburg, North Carolina | 4 | $ 695,000 | $ 173,750 | $ 53,000 |
| Cuyahoga, Ohio | 4 | $ 560,000 | $ 140,000 | $ 49,000 |
| Dauphin, Pennsylvania | 4 | $ 990,000 | $ 247,500 | $ 94,000 |
| Lancaster, Pennsylvania | 4 | $ 723,000 | $ 180,750 | $ 89,000 |
| Westmoreland, Pennsylvania | 4 | $ 608,000 | $ 152,000 | $ 60,000 |
| San Joaquin, California | 3 | $ 410,000 | $ 136,666 | $ 96,000 |
| Osceola, Florida | 3 | $ 243,000 | $ 81,000 | $ 44,000 |
| Pinellas, Florida | 3 | $ 298,000 | $ 99,333 | $ 37,000 |
| St. Lucie, Florida | 3 | $ 405,000 | $ 135,000 | $ 54,000 |
| Cherokee, Georgia | 3 | $ 659,000 | $ 219,666 | $ 48,000 |
| Fulton, Georgia | 3 | $ 475,000 | $ 158,333 | $ 60,000 |
| Gwinnett, Georgia | 3 | $ 514,000 | $ 171,333 | $ 52,000 |
| Marion, Indiana | 3 | $ 512,000 | $ 170,666 | $ 0 |
| St. Joseph, Indiana | 3 | $ 390,000 | $ 130,000 | $ 12,000 |
| Penobscot, Maine | 3 | $ 523,000 | $ 174,333 | $ 77,000 |
| Frederick, Maryland | 3 | $ 815,000 | $ 271,666 | $ 72,000 |
| Hampshire, Massachusetts | 3 | $ 813,000 | $ 271,000 | $ 83,000 |
| Wayne, Michigan | 3 | $ 502,000 | $ 167,333 | $ 74,000 |
| Salem, New Jersey | 3 | $ 605,000 | $ 201,666 | $ 69,000 |
| Greene, New York | 3 | $ 722,000 | $ 240,666 | $ 103,000 |
| Herkimer, New York | 3 | $ 355,000 | $ 118,333 | $ 64,000 |
| Onondaga, New York | 3 | $ 486,000 | $ 162,000 | $ 57,000 |
| Warren, New York | 3 | $ 534,000 | $ 178,000 | $ 58,000 |
| Wayne, New York | 3 | $ 380,000 | $ 126,666 | $ 87,000 |
| Brunswick, North Carolina | 3 | $ 553,000 | $ 184,333 | $ 144,000 |
| Macon, North Carolina | 3 | $ 713,000 | $ 237,666 | $ 71,000 |
| Wake, North Carolina | 3 | $ 673,000 | $ 224,333 | $ 34,000 |
| Canadian, Oklahoma | 3 | $ 730,000 | $ 243,333 | $ 90,000 |
| Lehigh, Pennsylvania | 3 | $ 459,000 | $ 153,000 | $ 26,000 |
| Luzerne, Pennsylvania | 3 | $ 468,000 | $ 156,000 | $ 48,000 |
| Northampton, Pennsylvania | 3 | $ 494,000 | $ 164,666 | $ 76,000 |
| York, Pennsylvania | 3 | $ 570,000 | $ 190,000 | $ 64,000 |
| Kent, Rhode Island | 3 | $ 731,000 | $ 243,666 | $ 96,000 |
| Richland, South Carolina | 3 | $ 585,000 | $ 195,000 | $ 79,000 |
| Davidson, Tennessee | 3 | $ 582,000 | $ 194,000 | $ 29,000 |
| Knox, Tennessee | 3 | $ 421,000 | $ 140,333 | $ 54,000 |
| Williamson, Tennessee | 3 | $ 637,000 | $ 212,333 | $ 62,000 |
| Contra Costa, California | 2 | $ 679,000 | $ 339,500 | $ 82,000 |
| Orange, California | 2 | $ 611,000 | $ 305,500 | $ 177,000 |
| Santa Clara, California | 2 | $ 951,000 | $ 475,500 | $ 122,000 |
| New London, Connecticut | 2 | $ 382,000 | $ 191,000 | $ 95,000 |
| Windham, Connecticut | 2 | $ 325,000 | $ 162,500 | $ 25,000 |
| Brevard, Florida | 2 | $ 258,000 | $ 129,000 | $ 41,000 |
| Clay, Florida | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| Collier, Florida | 2 | $ 315,000 | $ 157,500 | $ 48,000 |
| Duval, Florida | 2 | $ 276,000 | $ 138,000 | $ 34,000 |
| Lake, Florida | 2 | $ 550,000 | $ 275,000 | $ 161,000 |
| Manatee, Florida | 2 | $ 348,000 | $ 174,000 | $ 86,000 |
| Polk, Florida | 2 | $ 506,000 | $ 253,000 | $ 83,000 |
| Volusia, Florida | 2 | $ 188,000 | $ 94,000 | $ 65,000 |
| DeKalb, Georgia | 2 | $ 305,000 | $ 152,500 | $ 70,000 |
| Douglas, Georgia | 2 | $ 166,000 | $ 83,000 | $ 77,000 |
| Forsyth, Georgia | 2 | $ 644,000 | $ 322,000 | $ 168,000 |
| Glynn, Georgia | 2 | $ 542,000 | $ 271,000 | $ 99,000 |
| Henry, Georgia | 2 | $ 399,000 | $ 199,500 | $ 54,000 |
| Lowndes, Georgia | 2 | $ 280,000 | $ 140,000 | $ 52,000 |
| Paulding, Georgia | 2 | $ 226,000 | $ 113,000 | $ 62,000 |
| McHenry, Illinois | 2 | $ 332,000 | $ 166,000 | $ 80,000 |
| Will, Illinois | 2 | $ 263,000 | $ 131,500 | $ 49,000 |
| Hamilton, Indiana | 2 | $ 278,000 | $ 139,000 | $ 0 |
| Lake, Indiana | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Marshall, Indiana | 2 | $ 265,000 | $ 132,500 | $ 38,000 |
| Cumberland, Maine | 2 | $ 412,000 | $ 206,000 | $ 61,000 |
| Baltimore City, Maryland | 2 | $ 834,000 | $ 417,000 | $ 162,000 |
| Cecil, Maryland | 2 | $ 511,000 | $ 255,500 | $ 98,000 |
| St. Mary's, Maryland | 2 | $ 441,000 | $ 220,500 | $ 63,000 |
| Berkshire, Massachusetts | 2 | $ 485,000 | $ 242,500 | $ 89,000 |
| Lapeer, Michigan | 2 | $ 206,000 | $ 103,000 | $ 44,000 |
| Washington, Minnesota | 2 | $ 284,000 | $ 142,000 | $ 40,000 |
| Cape May, New Jersey | 2 | $ 482,000 | $ 241,000 | $ 107,000 |
| Cumberland, New Jersey | 2 | $ 347,000 | $ 173,500 | $ 77,000 |
| Hunterdon, New Jersey | 2 | $ 596,000 | $ 298,000 | $ 125,000 |
| Warren, New Jersey | 2 | $ 484,000 | $ 242,000 | $ 83,000 |
| Dona Ana, New Mexico | 2 | $ 256,000 | $ 128,000 | $ 33,000 |
| Essex, New York | 2 | $ 405,000 | $ 202,500 | $ 111,000 |
| Jefferson, New York | 2 | $ 448,000 | $ 224,000 | $ 71,000 |
| Madison, New York | 2 | $ 407,000 | $ 203,500 | $ 71,000 |
| Sullivan, New York | 2 | $ 564,000 | $ 282,000 | $ 90,000 |
| Craven, North Carolina | 2 | $ 219,000 | $ 109,500 | $ 73,000 |
| Cumberland, North Carolina | 2 | $ 279,000 | $ 139,500 | $ 87,000 |
| McDowell, North Carolina | 2 | $ 209,000 | $ 104,500 | $ 36,000 |
| Rutherford, North Carolina | 2 | $ 153,000 | $ 76,500 | $ 34,000 |
| Transylvania, North Carolina | 2 | $ 393,000 | $ 196,500 | $ 60,000 |
| Union, North Carolina | 2 | $ 522,000 | $ 261,000 | $ 95,000 |
| Butler, Ohio | 2 | $ 405,000 | $ 202,500 | $ 80,000 |
| Lake, Ohio | 2 | $ 315,000 | $ 157,500 | $ 52,000 |
| Montgomery, Ohio | 2 | $ 242,000 | $ 121,000 | $ 19,000 |
| Tulsa, Oklahoma | 2 | $ 215,000 | $ 107,500 | $ 30,000 |
| Cumberland, Pennsylvania | 2 | $ 365,000 | $ 182,500 | $ 58,000 |
| Franklin, Pennsylvania | 2 | $ 279,000 | $ 139,500 | $ 70,000 |
| Pike, Pennsylvania | 2 | $ 235,000 | $ 117,500 | $ 140,000 |
| Washington, Pennsylvania | 2 | $ 338,000 | $ 169,000 | $ 95,000 |
| Aiken, South Carolina | 2 | $ 319,000 | $ 159,500 | $ 54,000 |
| Anderson, South Carolina | 2 | $ 231,000 | $ 115,500 | $ 90,000 |
| Charleston, South Carolina | 2 | $ 425,000 | $ 212,500 | $ 78,000 |
| Dorchester, South Carolina | 2 | $ 350,000 | $ 175,000 | $ 47,000 |
| Greenville, South Carolina | 2 | $ 385,000 | $ 192,500 | $ 81,000 |
| Rutherford, Tennessee | 2 | $ 364,000 | $ 182,000 | $ 63,000 |
| Shelby, Tennessee | 2 | $ 314,000 | $ 157,000 | $ 34,000 |
| Bexar, Texas | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Collin, Texas | 2 | $ 243,000 | $ 121,500 | $ 24,000 |
| Dallas, Texas | 2 | $ 269,000 | $ 134,500 | $ 0 |
| Tarrant, Texas | 2 | $ 212,000 | $ 106,000 | $ 49,000 |
| Clark, Washington | 2 | $ 403,000 | $ 201,500 | $ 58,000 |
| Sheridan, Wyoming | 2 | $ 221,000 | $ 110,500 | $ 47,000 |
| Fairbanks North Star, Alaska | 1 | $ 240,000 | $ 240,000 | $ 98,000 |
| Matanuska-Susitna, Alaska | 1 | $ 151,000 | $ 151,000 | $ 36,000 |
| Benton, Arkansas | 1 | $ 111,000 | $ 111,000 | $ 24,000 |
| Faulkner, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Lonoke, Arkansas | 1 | $ 210,000 | $ 210,000 | $ 35,000 |
| Newton, Arkansas | 1 | $ 63,000 | $ 63,000 | $ 20,000 |
| Pope, Arkansas | 1 | $ 121,000 | $ 121,000 | $ 57,000 |
| Monterey, California | 1 | $ 214,000 | $ 214,000 | $ 58,000 |
| Riverside, California | 1 | $ 236,000 | $ 236,000 | $ 77,000 |
| San Luis Obispo, California | 1 | $ 436,000 | $ 436,000 | $ 108,000 |
| Santa Barbara, California | 1 | $ 422,000 | $ 422,000 | $ 81,000 |
| Santa Cruz, California | 1 | $ 322,000 | $ 322,000 | $ 160,000 |
| Sonoma, California | 1 | $ 498,000 | $ 498,000 | $ 216,000 |
| Stanislaus, California | 1 | $ 246,000 | $ 246,000 | $ 80,000 |
| Tuolumne, California | 1 | $ 188,000 | $ 188,000 | $ 49,000 |
| Denver, Colorado | 1 | $ 277,000 | $ 277,000 | $ 85,000 |
| La Plata, Colorado | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Tolland, Connecticut | 1 | $ 212,000 | $ 212,000 | $ 57,000 |
| Sussex, Delaware | 1 | $ 141,000 | $ 141,000 | $ 154,000 |
| Bradford, Florida | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Charlotte, Florida | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Citrus, Florida | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
| Escambia, Florida | 1 | $ 168,000 | $ 168,000 | $ 76,000 |
| Lee, Florida | 1 | $ 97,000 | $ 97,000 | $ 45,000 |
| Monroe, Florida | 1 | $ 296,000 | $ 296,000 | $ 62,000 |
| Sarasota, Florida | 1 | $ 146,000 | $ 146,000 | $ 40,000 |
| Seminole, Florida | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| St. Johns, Florida | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Barrow, Georgia | 1 | $ 232,000 | $ 232,000 | $ 83,000 |
| Carroll, Georgia | 1 | $ 131,000 | $ 131,000 | $ 38,000 |
| Catoosa, Georgia | 1 | $ 182,000 | $ 182,000 | $ 58,000 |
| Clayton, Georgia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Cobb, Georgia | 1 | $ 252,000 | $ 252,000 | $ 237,000 |
| Columbia, Georgia | 1 | $ 121,000 | $ 121,000 | $ 56,000 |
| Dawson, Georgia | 1 | $ 120,000 | $ 120,000 | $ 96,000 |
| Fayette, Georgia | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Floyd, Georgia | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Habersham, Georgia | 1 | $ 187,000 | $ 187,000 | $ 61,000 |
| Houston, Georgia | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Jasper, Georgia | 1 | $ 73,000 | $ 73,000 | $ 21,000 |
| Lamar, Georgia | 1 | $ 154,000 | $ 154,000 | $ 37,000 |
| Lee, Georgia | 1 | $ 97,000 | $ 97,000 | $ 28,000 |
| Pulaski, Georgia | 1 | $ 151,000 | $ 151,000 | $ 151,000 |
| Rockdale, Georgia | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Troup, Georgia | 1 | $ 71,000 | $ 71,000 | $ 53,000 |
| Upson, Georgia | 1 | $ 139,000 | $ 139,000 | $ 37,000 |
| Wilcox, Georgia | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Honolulu, Hawaii | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
| Bannock, Idaho | 1 | $ 281,000 | $ 281,000 | $ 83,000 |
| Kootenai, Idaho | 1 | $ 145,000 | $ 145,000 | $ 24,000 |
| Payette, Idaho | 1 | $ 260,000 | $ 260,000 | $ 87,000 |
| Kendall, Illinois | 1 | $ 161,000 | $ 161,000 | $ 60,000 |
| Lake, Illinois | 1 | $ 147,000 | $ 147,000 | $ 109,000 |
| LaSalle, Illinois | 1 | $ 151,000 | $ 151,000 | $ 52,000 |
| Livingston, Illinois | 1 | $ 201,000 | $ 201,000 | $ 127,000 |
| Sangamon, Illinois | 1 | $ 184,000 | $ 184,000 | $ 66,000 |
| St. Clair, Illinois | 1 | $ 116,000 | $ 116,000 | $ 81,000 |
| Brown, Indiana | 1 | $ 209,000 | $ 209,000 | $ 81,000 |
| Elkhart, Indiana | 1 | $ 99,000 | $ 99,000 | $ 31,000 |
| Grant, Indiana | 1 | $ 114,000 | $ 114,000 | $ 94,000 |
| Hendricks, Indiana | 1 | $ 225,000 | $ 225,000 | $ 161,000 |
| Johnson, Iowa | 1 | $ 127,000 | $ 127,000 | $ 39,000 |
| Lyon, Iowa | 1 | $ 191,000 | $ 191,000 | $ 52,000 |
| Mitchell, Iowa | 1 | $ 230,000 | $ 230,000 | $ 105,000 |
| Polk, Iowa | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Leavenworth, Kansas | 1 | $ 133,000 | $ 133,000 | $ 79,000 |
| Sedgwick, Kansas | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Androscoggin, Maine | 1 | $ 139,000 | $ 139,000 | $ 54,000 |
| Franklin, Maine | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Kennebec, Maine | 1 | $ 112,000 | $ 112,000 | $ 55,000 |
| Lincoln, Maine | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| Somerset, Maine | 1 | $ 109,000 | $ 109,000 | $ 46,000 |
| York, Maine | 1 | $ 158,000 | $ 158,000 | $ 38,000 |
| Charles, Maryland | 1 | $ 294,000 | $ 294,000 | $ 64,000 |
| Kent, Maryland | 1 | $ 217,000 | $ 217,000 | $ 41,000 |
| Queen Anne's, Maryland | 1 | $ 424,000 | $ 424,000 | $ 99,000 |
| Somerset, Maryland | 1 | $ 290,000 | $ 290,000 | $ 59,000 |
| Talbot, Maryland | 1 | $ 268,000 | $ 268,000 | $ 96,000 |
| Washington, Maryland | 1 | $ 165,000 | $ 165,000 | $ 33,000 |
| Barnstable, Massachusetts | 1 | $ 381,000 | $ 381,000 | $ 123,000 |
| Dukes, Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 55,000 |
| Franklin, Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 50,000 |
| Chippewa, Michigan | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 118,000 | $ 118,000 | $ 102,000 |
| Aitkin, Minnesota | 1 | $ 116,000 | $ 116,000 | $ 45,000 |
| Anoka, Minnesota | 1 | $ 102,000 | $ 102,000 | $ 29,000 |
| Douglas, Minnesota | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Hennepin, Minnesota | 1 | $ 189,000 | $ 189,000 | $ 72,000 |
| Ramsey, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Park, Montana | 1 | $ 251,000 | $ 251,000 | $ 54,000 |
| Buffalo, Nebraska | 1 | $ 204,000 | $ 204,000 | $ 104,000 |
| Carroll, New Hampshire | 1 | $ 157,000 | $ 157,000 | $ 93,000 |
| Rockingham, New Hampshire | 1 | $ 182,000 | $ 182,000 | $ 55,000 |
| Chaves, New Mexico | 1 | $ 64,000 | $ 64,000 | $ 69,000 |
| Eddy, New Mexico | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Lea, New Mexico | 1 | $ 124,000 | $ 124,000 | $ 75,000 |
| Los Alamos, New Mexico | 1 | $ 367,000 | $ 367,000 | $ 174,000 |
| Santa Fe, New Mexico | 1 | $ 281,000 | $ 281,000 | $ 73,000 |
| Broome, New York | 1 | $ 147,000 | $ 147,000 | $ 57,000 |
| Cattaraugus, New York | 1 | $ 140,000 | $ 140,000 | $ 95,000 |
| Cayuga, New York | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Chautauqua, New York | 1 | $ 49,000 | $ 49,000 | $ 26,000 |
| Chemung, New York | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Chenango, New York | 1 | $ 230,000 | $ 230,000 | $ 98,000 |
| Clinton, New York | 1 | $ 211,000 | $ 211,000 | $ 73,000 |
| Fulton, New York | 1 | $ 146,000 | $ 146,000 | $ 46,000 |
| Oneida, New York | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Ontario, New York | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Oswego, New York | 1 | $ 253,000 | $ 253,000 | $ 79,000 |
| Steuben, New York | 1 | $ 330,000 | $ 330,000 | $ 74,000 |
| Cabarrus, North Carolina | 1 | $ 202,000 | $ 202,000 | $ 67,000 |
| Caldwell, North Carolina | 1 | $ 107,000 | $ 107,000 | $ 64,000 |
| Catawba, North Carolina | 1 | $ 106,000 | $ 106,000 | $ 26,000 |
| Currituck, North Carolina | 1 | $ 339,000 | $ 339,000 | $ 64,000 |
| Durham, North Carolina | 1 | $ 238,000 | $ 238,000 | $ 69,000 |
| Gaston, North Carolina | 1 | $ 102,000 | $ 102,000 | $ 24,000 |
| Henderson, North Carolina | 1 | $ 266,000 | $ 266,000 | $ 66,000 |
| Jackson, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 83,000 |
| Lincoln, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 57,000 |
| New Hanover, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 127,000 |
| Northampton, North Carolina | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Onslow, North Carolina | 1 | $ 161,000 | $ 161,000 | $ 49,000 |
| Pitt, North Carolina | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Polk, North Carolina | 1 | $ 176,000 | $ 176,000 | $ 59,000 |
| Warren, North Carolina | 1 | $ 96,000 | $ 96,000 | $ 22,000 |
| Watauga, North Carolina | 1 | $ 630,000 | $ 630,000 | $ 190,000 |
| Wilkes, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 51,000 |
| Ashland, Ohio | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Clark, Ohio | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Fairfield, Ohio | 1 | $ 92,000 | $ 92,000 | $ 44,000 |
| Fulton, Ohio | 1 | $ 90,000 | $ 90,000 | $ 61,000 |
| Greene, Ohio | 1 | $ 134,000 | $ 134,000 | $ 44,000 |
| Hamilton, Ohio | 1 | $ 89,000 | $ 89,000 | $ 45,000 |
| Licking, Ohio | 1 | $ 129,000 | $ 129,000 | $ 75,000 |
| Muskingum, Ohio | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Pike, Ohio | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Sandusky, Ohio | 1 | $ 103,000 | $ 103,000 | $ 36,000 |
| Stark, Ohio | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Summit, Ohio | 1 | $ 174,000 | $ 174,000 | $ 74,000 |
| Trumbull, Ohio | 1 | $ 56,000 | $ 56,000 | $ 36,000 |
| Wyandot, Ohio | 1 | $ 124,000 | $ 124,000 | $ 54,000 |
| Comanche, Oklahoma | 1 | $ 197,000 | $ 197,000 | $ 99,000 |
| Rogers, Oklahoma | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Josephine, Oregon | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Klamath, Oregon | 1 | $ 166,000 | $ 166,000 | $ 43,000 |
| Lane, Oregon | 1 | $ 163,000 | $ 163,000 | $ 55,000 |
| Linn, Oregon | 1 | $ 124,000 | $ 124,000 | $ 53,000 |
| Multnomah, Oregon | 1 | $ 411,000 | $ 411,000 | $ 153,000 |
| Beaver, Pennsylvania | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 59,000 |
| Butler, Pennsylvania | 1 | $ 292,000 | $ 292,000 | $ 90,000 |
| Carbon, Pennsylvania | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Clearfield, Pennsylvania | 1 | $ 77,000 | $ 77,000 | $ 31,000 |
| Juniata, Pennsylvania | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Lackawanna, Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 48,000 |
| Lawrence, Pennsylvania | 1 | $ 199,000 | $ 199,000 | $ 50,000 |
| Lebanon, Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 29,000 |
| Sullivan, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 170,000 |
| Susquehanna, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Union, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Venango, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 173,000 |
| Newport, Rhode Island | 1 | $ 323,000 | $ 323,000 | $ 106,000 |
| Providence, Rhode Island | 1 | $ 326,000 | $ 326,000 | $ 78,000 |
| Beaufort, South Carolina | 1 | $ 114,000 | $ 114,000 | $ 70,000 |
| Georgetown, South Carolina | 1 | $ 147,000 | $ 147,000 | $ 60,000 |
| Oconee, South Carolina | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Pickens, South Carolina | 1 | $ 299,000 | $ 299,000 | $ 98,000 |
| Spartanburg, South Carolina | 1 | $ 198,000 | $ 198,000 | $ 0 |
| York, South Carolina | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Butte, South Dakota | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Minnehaha, South Dakota | 1 | $ 213,000 | $ 213,000 | $ 96,000 |
| Blount, Tennessee | 1 | $ 194,000 | $ 194,000 | $ 41,000 |
| Bradley, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Campbell, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 36,000 |
| Carter, Tennessee | 1 | $ 111,000 | $ 111,000 | $ 61,000 |
| Cheatham, Tennessee | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Hamilton, Tennessee | 1 | $ 194,000 | $ 194,000 | $ 72,000 |
| Lincoln, Tennessee | 1 | $ 91,000 | $ 91,000 | $ 78,000 |
| Putnam, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 40,000 |
| Robertson, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 50,000 |
| Sullivan, Tennessee | 1 | $ 156,000 | $ 156,000 | $ 71,000 |
| Sumner, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 42,000 |
| Bowie, Texas | 1 | $ 130,000 | $ 130,000 | $ 105,000 |
| Galveston, Texas | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Hardin, Texas | 1 | $ 213,000 | $ 213,000 | $ 140,000 |
| Kaufman, Texas | 1 | $ 162,000 | $ 162,000 | $ 96,000 |
| Parker, Texas | 1 | $ 276,000 | $ 276,000 | $ 99,000 |
| Travis, Texas | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Franklin, Vermont | 1 | $ 157,000 | $ 157,000 | $ 45,000 |
| Island, Washington | 1 | $ 250,000 | $ 250,000 | $ 79,000 |
| Spokane, Washington | 1 | $ 148,000 | $ 148,000 | $ 34,000 |
| Thurston, Washington | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Yakima, Washington | 1 | $ 202,000 | $ 202,000 | $ 52,000 |
| Berkeley, West Virginia | 1 | $ 137,000 | $ 137,000 | $ 54,000 |
| Pleasants, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Albany, Wyoming | 1 | $ 140,000 | $ 140,000 | $ 24,000 |
| Laramie, Wyoming | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Lincoln, Wyoming | 1 | $ 256,000 | $ 256,000 | $ 115,000 |
| Teton, Wyoming | 1 | $ 544,000 | $ 544,000 | $ 151,000 |
| Uinta, Wyoming | 1 | $ 106,000 | $ 106,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2010
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 | 1,540 | $403,675,000 | $262,000 | $818,000 | $87,000 | $1,137,000 |
| Home Purchase | 673 | $176,742,000 | $262,000 | $725,000 | $90,000 | $1,500,000 |
| Home Improvement | 19 | $3,993,000 | $210,000 | $592,000 | $66,000 | $136,000 |
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 | 1,240 | $313,376,000 | $252,000 | $757,000 | $90,000 | $1,009,000 |
| Black or African American | 438 | $118,753,000 | $271,000 | $710,000 | $83,000 | $1,500,000 |
| Not Provided | 273 | $75,225,000 | $275,000 | $783,000 | $89,000 | $768,000 |
| Hispanic | 193 | $50,051,000 | $259,000 | $630,000 | $78,000 | $344,000 |
| Asian | 47 | $14,195,000 | $302,000 | $818,000 | $94,000 | $270,000 |
| American Indian or Alaskan Native | 17 | $5,462,000 | $321,000 | $708,000 | $140,000 | $1,137,000 |
| Not applicable | 14 | $3,636,000 | $259,000 | $439,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,712,000 | $371,000 | $633,000 | $96,000 | $172,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,538 | $405,905,000 | $263,000 | $783,000 | $82,000 | $1,500,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 694 | $178,505,000 | $257,000 | $818,000 | $99,000 | $1,137,000 |
| 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 | 1,287 | $331,560,000 | $257,000 | $742,000 | $86,000 | $1,009,000 |
| Application Approved But Not Accepted | 384 | $98,278,000 | $255,000 | $818,000 | $94,000 | $1,500,000 |
| Application Denied By Financial Institution | 280 | $78,696,000 | $281,000 | $730,000 | $88,000 | $768,000 |
| Application Withdrawn By Applicant | 138 | $37,155,000 | $269,000 | $730,000 | $91,000 | $1,137,000 |
| File Closed For Incompleteness | 129 | $35,085,000 | $271,000 | $578,000 | $85,000 | $258,000 |
| Loan Purchased By The Institution | 14 | $3,636,000 | $259,000 | $439,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 62 | $19,529,000 | $314,000 | $730,000 | $80,000 | $217,000 |
| Collateral | 31 | $8,145,000 | $262,000 | $544,000 | $88,000 | $165,000 |
| Credit History | 25 | $6,482,000 | $259,000 | $546,000 | $81,000 | $154,000 |
| Other | 22 | $6,054,000 | $275,000 | $491,000 | $148,000 | $768,000 |
| Employment History | 8 | $2,471,000 | $308,000 | $506,000 | $72,000 | $104,000 |
| Unverifiable Information | 4 | $1,632,000 | $408,000 | $513,000 | $135,000 | $237,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $596,000 | $198,000 | $291,000 | $65,000 | $80,000 |
| Credit Application Incomplete | 2 | $578,000 | $289,000 | $436,000 | $74,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2010 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 First Financial, Ltd'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.
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