Franklin First Financial, Ltd
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Franklin First Financial, Ltd 2011 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 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 | 1,950 |
| Total Mortgage Loan Application Amount | $565,891,000 |
| Average Mortgage Loan Application Amount | $320,333 |
| Highest Mortgage Loan Application Amount | $1,073,000 |
| Average Applicant Income | $101,666 |
| Highest Applicant Income | $743,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 with Franklin First Financial, Ltd. 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 First Financial, Ltd's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2011 breaks down Franklin First Financial, Ltd'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 First Financial, Ltd serves its applicants.
Each category highlights the total number of mortgage applications processed by Franklin First Financial, Ltd, 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 First Financial, Ltd's mortgage activity for 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kings County New York | 252 | $ 92,496,000 | $ 367,000 | $ 97,000 |
| Queens County New York | 222 | $ 68,093,000 | $ 306,000 | $ 81,000 |
| Suffolk County New York | 170 | $ 46,385,000 | $ 272,000 | $ 106,000 |
| Nassau County New York | 153 | $ 48,362,000 | $ 316,000 | $ 112,000 |
| Bronx County New York | 81 | $ 27,533,000 | $ 339,000 | $ 92,000 |
| Richmond County New York | 74 | $ 23,430,000 | $ 316,000 | $ 94,000 |
| Westchester County New York | 44 | $ 14,742,000 | $ 335,000 | $ 133,000 |
| Bergen County New Jersey | 42 | $ 14,170,000 | $ 337,000 | $ 112,000 |
| Los Angeles County California | 33 | $ 8,784,000 | $ 266,000 | $ 78,000 |
| Essex County New Jersey | 24 | $ 6,846,000 | $ 285,000 | $ 94,000 |
| Broward County Florida | 23 | $ 4,748,000 | $ 206,000 | $ 116,000 |
| Middlesex County New Jersey | 20 | $ 5,008,000 | $ 250,000 | $ 90,000 |
| Rockland County New York | 19 | $ 5,645,000 | $ 297,000 | $ 112,000 |
| District of Columbia County District Of Columbia | 18 | $ 6,163,000 | $ 342,000 | $ 103,000 |
| Baltimore County Maryland | 18 | $ 4,844,000 | $ 269,000 | $ 90,000 |
| Monmouth County New Jersey | 18 | $ 6,042,000 | $ 335,000 | $ 129,000 |
| Fairfield County Connecticut | 17 | $ 4,729,000 | $ 278,000 | $ 97,000 |
| Hudson County New Jersey | 17 | $ 7,410,000 | $ 435,000 | $ 153,000 |
| Ocean County New Jersey | 17 | $ 4,297,000 | $ 252,000 | $ 79,000 |
| Passaic County New Jersey | 17 | $ 4,298,000 | $ 252,000 | $ 84,000 |
| New Haven County Connecticut | 16 | $ 3,674,000 | $ 229,000 | $ 71,000 |
| Cook County Illinois | 16 | $ 3,153,000 | $ 197,000 | $ 74,000 |
| Morris County New Jersey | 16 | $ 5,296,000 | $ 331,000 | $ 118,000 |
| Union County New Jersey | 16 | $ 4,569,000 | $ 285,000 | $ 85,000 |
| Anne Arundel County Maryland | 15 | $ 4,674,000 | $ 311,000 | $ 92,000 |
| Hartford County Connecticut | 13 | $ 2,685,000 | $ 206,000 | $ 79,000 |
| Prince George's County Maryland | 13 | $ 3,638,000 | $ 279,000 | $ 33,000 |
| Montgomery County Maryland | 11 | $ 3,202,000 | $ 291,000 | $ 96,000 |
| New Castle County Delaware | 10 | $ 2,155,000 | $ 215,000 | $ 20,000 |
| Norfolk County Massachusetts | 10 | $ 2,763,000 | $ 276,000 | $ 98,000 |
| Dutchess County New York | 10 | $ 2,211,000 | $ 221,000 | $ 95,000 |
| Erie County New York | 10 | $ 1,465,000 | $ 146,000 | $ 67,000 |
| Palm Beach County Florida | 9 | $ 1,385,000 | $ 153,000 | $ 93,000 |
| Baltimore City County Maryland | 9 | $ 2,630,000 | $ 292,000 | $ 47,000 |
| Essex County Massachusetts | 9 | $ 2,498,000 | $ 277,000 | $ 65,000 |
| Sussex County New Jersey | 9 | $ 2,476,000 | $ 275,000 | $ 92,000 |
| Monroe County New York | 9 | $ 1,299,000 | $ 144,000 | $ 90,000 |
| Orange County New York | 9 | $ 2,119,000 | $ 235,000 | $ 92,000 |
| Montgomery County Pennsylvania | 9 | $ 1,944,000 | $ 216,000 | $ 52,000 |
| Miami-Dade County Florida | 8 | $ 1,410,000 | $ 176,000 | $ 98,000 |
| Middlesex County Massachusetts | 8 | $ 2,707,000 | $ 338,000 | $ 99,000 |
| Charles County Maryland | 7 | $ 2,287,000 | $ 326,000 | $ 68,000 |
| Harford County Maryland | 7 | $ 1,638,000 | $ 234,000 | $ 27,000 |
| Plymouth County Massachusetts | 7 | $ 1,757,000 | $ 251,000 | $ 72,000 |
| Worcester County Massachusetts | 7 | $ 1,546,000 | $ 220,000 | $ 67,000 |
| Atlantic County New Jersey | 7 | $ 1,740,000 | $ 248,000 | $ 78,000 |
| Horry County South Carolina | 7 | $ 1,558,000 | $ 222,000 | $ 73,000 |
| Camden County New Jersey | 6 | $ 1,221,000 | $ 203,000 | $ 42,000 |
| Gloucester County New Jersey | 6 | $ 1,084,000 | $ 180,000 | $ 31,000 |
| New York County New York | 6 | $ 4,124,000 | $ 687,000 | $ 179,000 |
| Saratoga County New York | 6 | $ 1,406,000 | $ 234,000 | $ 119,000 |
| Sullivan County New York | 6 | $ 843,000 | $ 140,000 | $ 68,000 |
| Bucks County Pennsylvania | 6 | $ 2,188,000 | $ 364,000 | $ 63,000 |
| San Diego County California | 5 | $ 1,512,000 | $ 302,000 | $ 54,000 |
| Middlesex County Connecticut | 5 | $ 1,420,000 | $ 284,000 | $ 135,000 |
| Barnstable County Massachusetts | 5 | $ 1,210,000 | $ 242,000 | $ 84,000 |
| Mercer County New Jersey | 5 | $ 1,473,000 | $ 294,000 | $ 95,000 |
| Somerset County New Jersey | 5 | $ 1,864,000 | $ 372,000 | $ 150,000 |
| Putnam County New York | 5 | $ 2,081,000 | $ 416,000 | $ 151,000 |
| Delaware County Pennsylvania | 5 | $ 1,316,000 | $ 263,000 | $ 67,000 |
| York County Pennsylvania | 5 | $ 1,000,000 | $ 200,000 | $ 50,000 |
| Ventura County California | 4 | $ 1,410,000 | $ 352,000 | $ 97,000 |
| Hillsborough County Florida | 4 | $ 750,000 | $ 187,000 | $ 7,000 |
| Orange County Florida | 4 | $ 545,000 | $ 136,000 | $ 100,000 |
| Pasco County Florida | 4 | $ 886,000 | $ 221,000 | $ 0 |
| Calvert County Maryland | 4 | $ 1,165,000 | $ 291,000 | $ 44,000 |
| Carroll County Maryland | 4 | $ 1,184,000 | $ 296,000 | $ 64,000 |
| Cecil County Maryland | 4 | $ 985,000 | $ 246,000 | $ 76,000 |
| Bristol County Massachusetts | 4 | $ 822,000 | $ 205,000 | $ 73,000 |
| Hampden County Massachusetts | 4 | $ 753,000 | $ 188,000 | $ 95,000 |
| Rensselaer County New York | 4 | $ 604,000 | $ 151,000 | $ 58,000 |
| Lancaster County Pennsylvania | 4 | $ 661,000 | $ 165,000 | $ 33,000 |
| Monroe County Pennsylvania | 4 | $ 520,000 | $ 130,000 | $ 92,000 |
| Northampton County Pennsylvania | 4 | $ 1,053,000 | $ 263,000 | $ 58,000 |
| Orange County California | 3 | $ 1,383,000 | $ 461,000 | $ 54,000 |
| Riverside County California | 3 | $ 915,000 | $ 305,000 | $ 82,000 |
| New London County Connecticut | 3 | $ 596,000 | $ 198,000 | $ 88,000 |
| Duval County Florida | 3 | $ 453,000 | $ 151,000 | $ 12,000 |
| Seminole County Florida | 3 | $ 581,000 | $ 193,000 | $ 72,000 |
| St. Lucie County Florida | 3 | $ 347,000 | $ 115,000 | $ 27,000 |
| Gwinnett County Georgia | 3 | $ 656,000 | $ 218,000 | $ 131,000 |
| Hall County Georgia | 3 | $ 301,000 | $ 100,000 | $ 41,000 |
| DuPage County Illinois | 3 | $ 837,000 | $ 279,000 | $ 106,000 |
| Frederick County Maryland | 3 | $ 903,000 | $ 301,000 | $ 96,000 |
| Howard County Maryland | 3 | $ 869,000 | $ 289,000 | $ 94,000 |
| Dukes County Massachusetts | 3 | $ 780,000 | $ 260,000 | $ 64,000 |
| Warren County New Jersey | 3 | $ 591,000 | $ 197,000 | $ 63,000 |
| Clinton County New York | 3 | $ 497,000 | $ 165,000 | $ 71,000 |
| Oswego County New York | 3 | $ 479,000 | $ 159,000 | $ 99,000 |
| Schenectady County New York | 3 | $ 514,000 | $ 171,000 | $ 74,000 |
| Steuben County New York | 3 | $ 616,000 | $ 205,000 | $ 73,000 |
| Ulster County New York | 3 | $ 767,000 | $ 255,000 | $ 85,000 |
| Wayne County New York | 3 | $ 345,000 | $ 115,000 | $ 71,000 |
| Allegheny County Pennsylvania | 3 | $ 757,000 | $ 252,000 | $ 74,000 |
| Berks County Pennsylvania | 3 | $ 631,000 | $ 210,000 | $ 68,000 |
| Dauphin County Pennsylvania | 3 | $ 439,000 | $ 146,000 | $ 47,000 |
| Franklin County Pennsylvania | 3 | $ 548,000 | $ 182,000 | $ 14,000 |
| Philadelphia County Pennsylvania | 3 | $ 599,000 | $ 199,000 | $ 71,000 |
| Collin County Texas | 3 | $ 624,000 | $ 208,000 | $ 70,000 |
| Kodiak Island County Alaska | 2 | $ 813,000 | $ 406,000 | $ 74,000 |
| San Bernardino County California | 2 | $ 556,000 | $ 278,000 | $ 36,000 |
| San Joaquin County California | 2 | $ 578,000 | $ 289,000 | $ 27,000 |
| Solano County California | 2 | $ 532,000 | $ 266,000 | $ 0 |
| Litchfield County Connecticut | 2 | $ 513,000 | $ 256,000 | $ 99,000 |
| Kent County Delaware | 2 | $ 327,000 | $ 163,000 | $ 31,000 |
| Sussex County Delaware | 2 | $ 580,000 | $ 290,000 | $ 83,000 |
| Lake County Florida | 2 | $ 434,000 | $ 217,000 | $ 41,000 |
| Lee County Florida | 2 | $ 404,000 | $ 202,000 | $ 90,000 |
| Pinellas County Florida | 2 | $ 355,000 | $ 177,000 | $ 20,000 |
| Volusia County Florida | 2 | $ 272,000 | $ 136,000 | $ 134,000 |
| Fulton County Georgia | 2 | $ 514,000 | $ 257,000 | $ 107,000 |
| Morgan County Indiana | 2 | $ 336,000 | $ 168,000 | $ 139,000 |
| Dorchester County Maryland | 2 | $ 421,000 | $ 210,000 | $ 82,000 |
| Washington County Maryland | 2 | $ 439,000 | $ 219,000 | $ 92,000 |
| Franklin County Massachusetts | 2 | $ 375,000 | $ 187,000 | $ 82,000 |
| Suffolk County Massachusetts | 2 | $ 399,000 | $ 199,000 | $ 52,000 |
| Macomb County Michigan | 2 | $ 490,000 | $ 245,000 | $ 100,000 |
| Chisago County Minnesota | 2 | $ 316,000 | $ 158,000 | $ 126,000 |
| Washington County Minnesota | 2 | $ 704,000 | $ 352,000 | $ 118,000 |
| Cheshire County New Hampshire | 2 | $ 274,000 | $ 137,000 | $ 48,000 |
| Cumberland County New Jersey | 2 | $ 376,000 | $ 188,000 | $ 79,000 |
| San Juan County New Mexico | 2 | $ 497,000 | $ 248,000 | $ 0 |
| Albany County New York | 2 | $ 601,000 | $ 300,000 | $ 75,000 |
| Broome County New York | 2 | $ 337,000 | $ 168,000 | $ 24,000 |
| Niagara County New York | 2 | $ 372,000 | $ 186,000 | $ 44,000 |
| Oneida County New York | 2 | $ 296,000 | $ 148,000 | $ 80,000 |
| Ontario County New York | 2 | $ 531,000 | $ 265,000 | $ 89,000 |
| Otsego County New York | 2 | $ 501,000 | $ 250,000 | $ 70,000 |
| Durham County North Carolina | 2 | $ 397,000 | $ 198,000 | $ 57,000 |
| Lorain County Ohio | 2 | $ 406,000 | $ 203,000 | $ 0 |
| Bradford County Pennsylvania | 2 | $ 578,000 | $ 289,000 | $ 76,000 |
| Chester County Pennsylvania | 2 | $ 368,000 | $ 184,000 | $ 47,000 |
| Cumberland County Pennsylvania | 2 | $ 354,000 | $ 177,000 | $ 98,000 |
| Westmoreland County Pennsylvania | 2 | $ 356,000 | $ 178,000 | $ 0 |
| Providence County Rhode Island | 2 | $ 288,000 | $ 144,000 | $ 47,000 |
| Berkeley County South Carolina | 2 | $ 455,000 | $ 227,000 | $ 62,000 |
| Orangeburg County South Carolina | 2 | $ 389,000 | $ 194,000 | $ 68,000 |
| Davidson County Tennessee | 2 | $ 351,000 | $ 175,000 | $ 63,000 |
| Lincoln County Tennessee | 2 | $ 548,000 | $ 274,000 | $ 104,000 |
| Shelby County Tennessee | 2 | $ 337,000 | $ 168,000 | $ 59,000 |
| Anchorage County Alaska | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Crittenden County Arkansas | 1 | $ 256,000 | $ 256,000 | $ 113,000 |
| Pulaski County Arkansas | 1 | $ 173,000 | $ 173,000 | $ 101,000 |
| Alameda County California | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Kern County California | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Modoc County California | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Placer County California | 1 | $ 169,000 | $ 169,000 | $ 150,000 |
| San Benito County California | 1 | $ 321,000 | $ 321,000 | $ 63,000 |
| San Mateo County California | 1 | $ 690,000 | $ 690,000 | $ 0 |
| Santa Barbara County California | 1 | $ 657,000 | $ 657,000 | $ 118,000 |
| Santa Clara County California | 1 | $ 475,000 | $ 475,000 | $ 92,000 |
| Santa Cruz County California | 1 | $ 451,000 | $ 451,000 | $ 139,000 |
| Tulare County California | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Yolo County California | 1 | $ 343,000 | $ 343,000 | $ 167,000 |
| Tolland County Connecticut | 1 | $ 264,000 | $ 264,000 | $ 135,000 |
| Brevard County Florida | 1 | $ 232,000 | $ 232,000 | $ 94,000 |
| Charlotte County Florida | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Clay County Florida | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Indian River County Florida | 1 | $ 127,000 | $ 127,000 | $ 60,000 |
| Martin County Florida | 1 | $ 402,000 | $ 402,000 | $ 226,000 |
| Walton County Florida | 1 | $ 174,000 | $ 174,000 | $ 44,000 |
| Clayton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| DeKalb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Forsyth County Georgia | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Henry County Georgia | 1 | $ 97,000 | $ 97,000 | $ 25,000 |
| Paulding County Georgia | 1 | $ 206,000 | $ 206,000 | $ 90,000 |
| Bear Lake County Idaho | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Madison County Idaho | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Lake County Illinois | 1 | $ 356,000 | $ 356,000 | $ 86,000 |
| St. Clair County Illinois | 1 | $ 276,000 | $ 276,000 | $ 86,000 |
| Allen County Indiana | 1 | $ 157,000 | $ 157,000 | $ 108,000 |
| Hamilton County Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Scott County Iowa | 1 | $ 356,000 | $ 356,000 | $ 107,000 |
| Douglas County Kansas | 1 | $ 118,000 | $ 118,000 | $ 158,000 |
| Somerset County Maine | 1 | $ 188,000 | $ 188,000 | $ 147,000 |
| Wicomico County Maryland | 1 | $ 166,000 | $ 166,000 | $ 62,000 |
| Berkshire County Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 149,000 |
| Kent County Michigan | 1 | $ 278,000 | $ 278,000 | $ 215,000 |
| Oakland County Michigan | 1 | $ 151,000 | $ 151,000 | $ 102,000 |
| Ottawa County Michigan | 1 | $ 274,000 | $ 274,000 | $ 125,000 |
| Carver County Minnesota | 1 | $ 131,000 | $ 131,000 | $ 57,000 |
| Sherburne County Minnesota | 1 | $ 127,000 | $ 127,000 | $ 36,000 |
| Wright County Minnesota | 1 | $ 212,000 | $ 212,000 | $ 102,000 |
| Yellowstone County Montana | 1 | $ 158,000 | $ 158,000 | $ 77,000 |
| Cape May County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Hunterdon County New Jersey | 1 | $ 188,000 | $ 188,000 | $ 43,000 |
| Salem County New Jersey | 1 | $ 212,000 | $ 212,000 | $ 96,000 |
| Bernalillo County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Curry County New Mexico | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 298,000 | $ 298,000 | $ 0 |
| Cattaraugus County New York | 1 | $ 69,000 | $ 69,000 | $ 58,000 |
| Chemung County New York | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
| Chenango County New York | 1 | $ 417,000 | $ 417,000 | $ 172,000 |
| Cortland County New York | 1 | $ 164,000 | $ 164,000 | $ 68,000 |
| Genesee County New York | 1 | $ 107,000 | $ 107,000 | $ 30,000 |
| Jefferson County New York | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Onondaga County New York | 1 | $ 103,000 | $ 103,000 | $ 50,000 |
| Schoharie County New York | 1 | $ 167,000 | $ 167,000 | $ 172,000 |
| Seneca County New York | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Wyoming County New York | 1 | $ 228,000 | $ 228,000 | $ 54,000 |
| Avery County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 78,000 |
| Cabarrus County North Carolina | 1 | $ 267,000 | $ 267,000 | $ 126,000 |
| New Hanover County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Crawford County Ohio | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 54,000 | $ 54,000 | $ 45,000 |
| Fairfield County Ohio | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Franklin County Ohio | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Geauga County Ohio | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Hamilton County Ohio | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Lucas County Ohio | 1 | $ 255,000 | $ 255,000 | $ 174,000 |
| Medina County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Summit County Ohio | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Douglas County Oregon | 1 | $ 465,000 | $ 465,000 | $ 98,000 |
| Jackson County Oregon | 1 | $ 193,000 | $ 193,000 | $ 67,000 |
| Multnomah County Oregon | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Washington County Oregon | 1 | $ 224,000 | $ 224,000 | $ 97,000 |
| Yamhill County Oregon | 1 | $ 272,000 | $ 272,000 | $ 82,000 |
| Adams County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 328,000 | $ 328,000 | $ 0 |
| Blair County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Butler County Pennsylvania | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Cambria County Pennsylvania | 1 | $ 589,000 | $ 589,000 | $ 133,000 |
| Erie County Pennsylvania | 1 | $ 173,000 | $ 173,000 | $ 115,000 |
| Lebanon County Pennsylvania | 1 | $ 356,000 | $ 356,000 | $ 100,000 |
| Lehigh County Pennsylvania | 1 | $ 272,000 | $ 272,000 | $ 113,000 |
| Luzerne County Pennsylvania | 1 | $ 274,000 | $ 274,000 | $ 228,000 |
| Northumberland County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Pike County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 62,000 |
| Bristol County Rhode Island | 1 | $ 236,000 | $ 236,000 | $ 74,000 |
| Washington County Rhode Island | 1 | $ 191,000 | $ 191,000 | $ 36,000 |
| Barnwell County South Carolina | 1 | $ 119,000 | $ 119,000 | $ 36,000 |
| Beaufort County South Carolina | 1 | $ 409,000 | $ 409,000 | $ 138,000 |
| Clarendon County South Carolina | 1 | $ 204,000 | $ 204,000 | $ 62,000 |
| Florence County South Carolina | 1 | $ 189,000 | $ 189,000 | $ 171,000 |
| Minnehaha County South Dakota | 1 | $ 213,000 | $ 213,000 | $ 96,000 |
| Coffee County Tennessee | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Dickson County Tennessee | 1 | $ 351,000 | $ 351,000 | $ 82,000 |
| Fayette County Tennessee | 1 | $ 256,000 | $ 256,000 | $ 291,000 |
| Sequatchie County Tennessee | 1 | $ 221,000 | $ 221,000 | $ 75,000 |
| Williamson County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 87,000 |
| Bell County Texas | 1 | $ 164,000 | $ 164,000 | $ 66,000 |
| Dallas County Texas | 1 | $ 113,000 | $ 113,000 | $ 37,000 |
| Caledonia County Vermont | 1 | $ 151,000 | $ 151,000 | $ 50,000 |
| Clark County Washington | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Snohomish County Washington | 1 | $ 408,000 | $ 408,000 | $ 142,000 |
| Jefferson County West Virginia | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Preston County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Uinta County Wyoming | 1 | $ 208,000 | $ 208,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2011
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 | 1,330 | $386,678,000 | $290,000 | $1,073,000 | $90,000 | $743,000 |
| Home Purchase | 615 | $177,296,000 | $288,000 | $1,000,000 | $92,000 | $387,000 |
| Home Improvement | 5 | $1,917,000 | $383,000 | $692,000 | $123,000 | $216,000 |
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 | 952 | $278,660,000 | $292,000 | $1,073,000 | $97,000 | $743,000 |
| Black or African American | 381 | $108,873,000 | $285,000 | $814,000 | $77,000 | $360,000 |
| Not Provided | 369 | $106,053,000 | $287,000 | $921,000 | $95,000 | $412,000 |
| Hispanic | 171 | $47,277,000 | $276,000 | $600,000 | $74,000 | $239,000 |
| Asian | 56 | $18,267,000 | $326,000 | $1,000,000 | $90,000 | $230,000 |
| American Indian or Alaskan Native | 17 | $4,894,000 | $287,000 | $395,000 | $70,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,867,000 | $466,000 | $617,000 | $94,000 | $176,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,123 | $326,724,000 | $290,000 | $1,073,000 | $79,000 | $503,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 805 | $233,452,000 | $290,000 | $1,000,000 | $108,000 | $743,000 |
| VA-guaranteed (Veterans Administration) | 22 | $5,715,000 | $259,000 | $589,000 | $65,000 | $142,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,142 | $330,272,000 | $289,000 | $921,000 | $91,000 | $743,000 |
| Application Denied By Financial Institution | 357 | $104,558,000 | $292,000 | $1,073,000 | $87,000 | $412,000 |
| Application Approved But Not Accepted | 210 | $60,943,000 | $290,000 | $700,000 | $87,000 | $436,000 |
| Application Withdrawn By Applicant | 166 | $50,042,000 | $301,000 | $1,000,000 | $93,000 | $486,000 |
| File Closed For Incompleteness | 75 | $20,076,000 | $267,000 | $735,000 | $97,000 | $444,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 122 | $38,770,000 | $317,000 | $1,073,000 | $78,000 | $360,000 |
| Collateral | 90 | $23,633,000 | $262,000 | $581,000 | $84,000 | $234,000 |
| Credit History | 63 | $17,681,000 | $280,000 | $675,000 | $94,000 | $360,000 |
| Other | 39 | $10,002,000 | $256,000 | $631,000 | $96,000 | $269,000 |
| Unverifiable Information | 21 | $7,777,000 | $370,000 | $869,000 | $128,000 | $412,000 |
| Employment History | 13 | $3,777,000 | $290,000 | $471,000 | $69,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,272,000 | $254,000 | $398,000 | $87,000 | $203,000 |
| Mortgage Insurance Denied | 2 | $693,000 | $346,000 | $351,000 | $94,000 | $101,000 |
| Credit Application Incomplete | 2 | $953,000 | $476,000 | $525,000 | $168,000 | $199,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2011 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.
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