Franklin First Financial, Ltd Mortgage Lending & HMDA Data, 2014

In 2014, Franklin First Financial, Ltd of Melville, NY reported 3,084 mortgage applications totaling $884.1 million, up 2% from 2013. The average application was for $286,660, and applicants reported an average income of $90,449. 54% of its applications resulted in an originated loan and 9% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (1,249), Nassau County-Suffolk County, NY (532) and Newark, NJ-PA (107) (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 3,084
Total Mortgage Loan Application Amount $884,062,000
Average Mortgage Loan Application Amount $286,660
Highest Mortgage Loan Application Amount $2,450,000
Average Applicant Income $90,449
Highest Applicant Income $3,989,000

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records Franklin First Financial, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Franklin First Financial, Ltd by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Queens, New York 366 $ 128,914,000 $ 352,224 $ 91,000
Nassau, New York 324 $ 108,601,000 $ 335,188 $ 123,000
Kings, New York 254 $ 97,101,000 $ 382,287 $ 98,000
Suffolk, New York 208 $ 64,357,000 $ 309,408 $ 117,000
Bergen, New Jersey 141 $ 41,619,000 $ 295,170 $ 113,000
Hudson, New Jersey 120 $ 30,817,000 $ 256,808 $ 94,000
Bronx, New York 93 $ 36,196,000 $ 389,204 $ 90,000
Los Angeles, California 88 $ 30,533,000 $ 346,965 $ 83,000
Passaic, New Jersey 68 $ 15,414,000 $ 226,676 $ 154,000
Westchester, New York 52 $ 18,194,000 $ 349,884 $ 143,000
Essex, New Jersey 50 $ 11,553,000 $ 231,060 $ 94,000
Richmond, New York 44 $ 14,712,000 $ 334,363 $ 107,000
Palm Beach, Florida 28 $ 6,695,000 $ 239,107 $ 125,000
Middlesex, New Jersey 24 $ 5,793,000 $ 241,375 $ 76,000
Union, New Jersey 24 $ 5,320,000 $ 221,666 $ 80,000
Fairfield, Connecticut 23 $ 8,289,000 $ 360,391 $ 101,000
Broward, Florida 23 $ 8,952,000 $ 389,217 $ 140,000
Baltimore, Maryland 23 $ 4,409,000 $ 191,695 $ 59,000
Monmouth, New Jersey 20 $ 7,988,000 $ 399,400 $ 254,000
Ocean, New Jersey 20 $ 5,414,000 $ 270,700 $ 100,000
Orange, New York 19 $ 4,598,000 $ 242,000 $ 86,000
Burlington, New Jersey 18 $ 3,543,000 $ 196,833 $ 91,000
Morris, New Jersey 16 $ 4,687,000 $ 292,937 $ 103,000
New York, New York 16 $ 8,848,000 $ 553,000 $ 159,000
Prince George's, Maryland 15 $ 3,207,000 $ 213,800 $ 37,000
Montgomery, Maryland 14 $ 3,577,000 $ 255,500 $ 89,000
Miami-Dade, Florida 13 $ 3,356,000 $ 258,153 $ 346,000
Middlesex, Massachusetts 13 $ 4,536,000 $ 348,923 $ 102,000
Pierce, Washington 13 $ 2,950,000 $ 226,923 $ 24,000
Rockland, New York 12 $ 5,077,000 $ 423,083 $ 181,000
Oklahoma, Oklahoma 11 $ 1,789,000 $ 162,636 $ 30,000
York, Pennsylvania 11 $ 1,831,000 $ 166,454 $ 56,000
Montgomery, Tennessee 11 $ 1,510,000 $ 137,272 $ 0
Sacramento, California 10 $ 1,850,000 $ 185,000 $ 47,000
El Paso, Colorado 10 $ 2,274,000 $ 227,400 $ 7,000
Anne Arundel, Maryland 10 $ 2,606,000 $ 260,600 $ 46,000
Harford, Maryland 10 $ 2,497,000 $ 249,700 $ 87,000
Bexar, Texas 10 $ 2,105,000 $ 210,500 $ 52,000
Gwinnett, Georgia 9 $ 1,726,000 $ 191,777 $ 48,000
Charles, Maryland 9 $ 3,034,000 $ 337,111 $ 58,000
Essex, Massachusetts 9 $ 2,341,000 $ 260,111 $ 87,000
Dallas, Texas 9 $ 1,377,000 $ 153,000 $ 21,000
Thurston, Washington 9 $ 2,215,000 $ 246,111 $ 32,000
Duval, Florida 8 $ 1,517,000 $ 189,625 $ 44,000
Philadelphia, Pennsylvania 8 $ 1,714,000 $ 214,250 $ 73,000
St. Lucie, Florida 7 $ 856,000 $ 122,285 $ 62,000
Baltimore City, Maryland 7 $ 1,351,000 $ 193,000 $ 40,000
Sussex, New Jersey 7 $ 1,582,000 $ 226,000 $ 100,000
Monroe, Pennsylvania 7 $ 1,531,000 $ 218,714 $ 98,000
Richland, South Carolina 7 $ 1,275,000 $ 182,142 $ 62,000
Riverside, California 6 $ 2,589,000 $ 431,500 $ 116,000
Adams, Colorado 6 $ 1,266,000 $ 211,000 $ 61,000
Hartford, Connecticut 6 $ 1,167,000 $ 194,500 $ 86,000
New Haven, Connecticut 6 $ 1,905,000 $ 317,500 $ 110,000
Orange, Florida 6 $ 1,042,000 $ 173,666 $ 112,000
Plymouth, Massachusetts 6 $ 1,340,000 $ 223,333 $ 68,000
Suffolk, Massachusetts 6 $ 2,428,000 $ 404,666 $ 75,000
Yellowstone, Montana 6 $ 976,000 $ 162,666 $ 18,000
Hunterdon, New Jersey 6 $ 1,326,000 $ 221,000 $ 71,000
Cumberland, North Carolina 6 $ 827,000 $ 137,833 $ 0
Onslow, North Carolina 6 $ 1,040,000 $ 173,333 $ 10,000
Bucks, Pennsylvania 6 $ 1,861,000 $ 310,166 $ 106,000
Montgomery, Pennsylvania 6 $ 775,000 $ 129,166 $ 76,000
York, South Carolina 6 $ 1,034,000 $ 172,333 $ 29,000
Shelby, Tennessee 6 $ 1,243,000 $ 207,166 $ 35,000
El Paso, Texas 6 $ 1,079,000 $ 179,833 $ 0
Solano, California 5 $ 1,659,000 $ 331,800 $ 33,000
Hillsborough, Florida 5 $ 1,312,000 $ 262,400 $ 99,000
Pinellas, Florida 5 $ 981,000 $ 196,200 $ 144,000
Cook, Illinois 5 $ 1,806,000 $ 361,200 $ 150,000
Macomb, Michigan 5 $ 1,030,000 $ 206,000 $ 45,000
Mercer, New Jersey 5 $ 1,201,000 $ 240,200 $ 97,000
Erie, New York 5 $ 1,217,000 $ 243,400 $ 173,000
Guilford, North Carolina 5 $ 645,000 $ 129,000 $ 0
Cuyahoga, Ohio 5 $ 733,000 $ 146,600 $ 43,000
Douglas, Oregon 5 $ 644,000 $ 128,800 $ 2,000
Harris, Texas 5 $ 1,324,000 $ 264,800 $ 14,000
Montgomery, Texas 5 $ 1,682,000 $ 336,400 $ 172,000
Tarrant, Texas 5 $ 766,000 $ 153,200 $ 16,000
Tulare, California 4 $ 677,000 $ 169,250 $ 47,000
Jefferson, Colorado 4 $ 1,220,000 $ 305,000 $ 148,000
New Castle, Delaware 4 $ 417,000 $ 104,250 $ 42,000
District of Columbia, District Of Columbia 4 $ 937,000 $ 234,250 $ 56,000
Bibb, Georgia 4 $ 653,000 $ 163,250 $ 70,000
Fulton, Georgia 4 $ 927,000 $ 231,750 $ 100,000
Ada, Idaho 4 $ 675,000 $ 168,750 $ 39,000
Lake, Illinois 4 $ 929,000 $ 232,250 $ 19,000
Marion, Indiana 4 $ 508,000 $ 127,000 $ 0
Cecil, Maryland 4 $ 782,000 $ 195,500 $ 49,000
Howard, Maryland 4 $ 1,502,000 $ 375,500 $ 164,000
Atlantic, New Jersey 4 $ 564,000 $ 141,000 $ 77,000
Camden, New Jersey 4 $ 851,000 $ 212,750 $ 98,000
Niagara, New York 4 $ 832,000 $ 208,000 $ 110,000
Putnam, New York 4 $ 1,011,000 $ 252,750 $ 73,000
Mecklenburg, North Carolina 4 $ 752,000 $ 188,000 $ 25,000
Wake, North Carolina 4 $ 1,319,000 $ 329,750 $ 92,000
Franklin, Ohio 4 $ 677,000 $ 169,250 $ 28,000
Tulsa, Oklahoma 4 $ 592,000 $ 148,000 $ 0
Northampton, Pennsylvania 4 $ 645,000 $ 161,250 $ 22,000
Anderson, South Carolina 4 $ 711,000 $ 177,750 $ 21,000
Horry, South Carolina 4 $ 714,000 $ 178,500 $ 61,000
Davidson, Tennessee 4 $ 615,000 $ 153,750 $ 0
Hamilton, Tennessee 4 $ 791,000 $ 197,750 $ 75,000
Denton, Texas 4 $ 1,154,000 $ 288,500 $ 26,000
Nueces, Texas 4 $ 664,000 $ 166,000 $ 47,000
King, Washington 4 $ 839,000 $ 209,750 $ 42,000
Kitsap, Washington 4 $ 760,000 $ 190,000 $ 0
Spokane, Washington 4 $ 1,039,000 $ 259,750 $ 17,000
Pulaski, Arkansas 3 $ 485,000 $ 161,666 $ 18,000
Fresno, California 3 $ 449,000 $ 149,666 $ 0
San Bernardino, California 3 $ 624,000 $ 208,000 $ 105,000
Sussex, Delaware 3 $ 610,000 $ 203,333 $ 115,000
Marion, Florida 3 $ 715,000 $ 238,333 $ 44,000
Pasco, Florida 3 $ 443,000 $ 147,666 $ 20,000
Seminole, Florida 3 $ 382,000 $ 127,333 $ 19,000
Chatham, Georgia 3 $ 578,000 $ 192,666 $ 21,000
Clayton, Georgia 3 $ 403,000 $ 134,333 $ 57,000
Cobb, Georgia 3 $ 668,000 $ 222,666 $ 121,000
DeKalb, Georgia 3 $ 456,000 $ 152,000 $ 37,000
Fayette, Georgia 3 $ 726,000 $ 242,000 $ 63,000
Muscogee, Georgia 3 $ 396,000 $ 132,000 $ 0
Kootenai, Idaho 3 $ 511,000 $ 170,333 $ 24,000
Frederick, Maryland 3 $ 732,000 $ 244,000 $ 71,000
Barnstable, Massachusetts 3 $ 702,000 $ 234,000 $ 81,000
Worcester, Massachusetts 3 $ 1,144,000 $ 381,333 $ 74,000
Ottawa, Michigan 3 $ 399,000 $ 133,000 $ 0
Anoka, Minnesota 3 $ 413,000 $ 137,666 $ 0
Cascade, Montana 3 $ 496,000 $ 165,333 $ 17,000
Somerset, New Jersey 3 $ 1,112,000 $ 370,666 $ 86,000
Albany, New York 3 $ 411,000 $ 137,000 $ 45,000
Dutchess, New York 3 $ 564,000 $ 188,000 $ 115,000
Monroe, New York 3 $ 555,000 $ 185,000 $ 33,000
Durham, North Carolina 3 $ 590,000 $ 196,666 $ 39,000
Gaston, North Carolina 3 $ 368,000 $ 122,666 $ 38,000
Harnett, North Carolina 3 $ 361,000 $ 120,333 $ 27,000
Union, North Carolina 3 $ 625,000 $ 208,333 $ 45,000
Montgomery, Ohio 3 $ 553,000 $ 184,333 $ 0
Wayne, Pennsylvania 3 $ 430,000 $ 143,333 $ 20,000
Dorchester, South Carolina 3 $ 478,000 $ 159,333 $ 35,000
Greenville, South Carolina 3 $ 502,000 $ 167,333 $ 71,000
Orangeburg, South Carolina 3 $ 472,000 $ 157,333 $ 14,000
Sumter, South Carolina 3 $ 730,000 $ 243,333 $ 82,000
Orange, Texas 3 $ 358,000 $ 119,333 $ 16,000
Randall, Texas 3 $ 466,000 $ 155,333 $ 0
Benton, Arkansas 2 $ 329,000 $ 164,500 $ 40,000
Contra Costa, California 2 $ 485,000 $ 242,500 $ 0
Kern, California 2 $ 392,000 $ 196,000 $ 38,000
San Diego, California 2 $ 648,000 $ 324,000 $ 121,000
San Joaquin, California 2 $ 682,000 $ 341,000 $ 41,000
Tuolumne, California 2 $ 432,000 $ 216,000 $ 31,000
Arapahoe, Colorado 2 $ 369,000 $ 184,500 $ 0
Douglas, Colorado 2 $ 502,000 $ 251,000 $ 89,000
Middlesex, Connecticut 2 $ 501,000 $ 250,500 $ 61,000
Clay, Florida 2 $ 437,000 $ 218,500 $ 0
Collier, Florida 2 $ 536,000 $ 268,000 $ 560,000
Gilchrist, Florida 2 $ 180,000 $ 90,000 $ 10,000
Hernando, Florida 2 $ 352,000 $ 176,000 $ 48,000
Jefferson, Florida 2 $ 222,000 $ 111,000 $ 0
Lake, Florida 2 $ 362,000 $ 181,000 $ 40,000
Lee, Florida 2 $ 328,000 $ 164,000 $ 51,000
Martin, Florida 2 $ 653,000 $ 326,500 $ 207,000
Nassau, Florida 2 $ 359,000 $ 179,500 $ 0
Polk, Florida 2 $ 327,000 $ 163,500 $ 83,000
Bulloch, Georgia 2 $ 208,000 $ 104,000 $ 45,000
Columbia, Georgia 2 $ 334,000 $ 167,000 $ 0
Douglas, Georgia 2 $ 296,000 $ 148,000 $ 71,000
Floyd, Georgia 2 $ 364,000 $ 182,000 $ 60,000
Glynn, Georgia 2 $ 453,000 $ 226,500 $ 25,000
Harris, Georgia 2 $ 386,000 $ 193,000 $ 75,000
Henry, Georgia 2 $ 425,000 $ 212,500 $ 34,000
Morgan, Georgia 2 $ 384,000 $ 192,000 $ 66,000
Troup, Georgia 2 $ 470,000 $ 235,000 $ 101,000
Grant, Indiana 2 $ 287,000 $ 143,500 $ 0
Hamilton, Indiana 2 $ 521,000 $ 260,500 $ 35,000
Hendricks, Indiana 2 $ 287,000 $ 143,500 $ 0
Muscatine, Iowa 2 $ 242,000 $ 121,000 $ 0
Winneshiek, Iowa 2 $ 328,000 $ 164,000 $ 0
Johnson, Kansas 2 $ 430,000 $ 215,000 $ 67,000
Cumberland, Maine 2 $ 526,000 $ 263,000 $ 123,000
York, Maine 2 $ 289,000 $ 144,500 $ 57,000
Washington, Maryland 2 $ 505,000 $ 252,500 $ 74,000
Norfolk, Massachusetts 2 $ 450,000 $ 225,000 $ 62,000
Barry, Michigan 2 $ 192,000 $ 96,000 $ 0
Wayne, Michigan 2 $ 269,000 $ 134,500 $ 25,000
Dakota, Minnesota 2 $ 572,000 $ 286,000 $ 0
Sherburne, Minnesota 2 $ 322,000 $ 161,000 $ 26,000
St. Louis, Minnesota 2 $ 486,000 $ 243,000 $ 40,000
Lewis and Clark, Montana 2 $ 618,000 $ 309,000 $ 73,000
Lancaster, Nebraska 2 $ 266,000 $ 133,000 $ 0
Sarpy, Nebraska 2 $ 397,000 $ 198,500 $ 48,000
Warren, New Jersey 2 $ 443,000 $ 221,500 $ 81,000
Broome, New York 2 $ 254,000 $ 127,000 $ 39,000
Clinton, New York 2 $ 343,000 $ 171,500 $ 156,000
Onondaga, New York 2 $ 354,000 $ 177,000 $ 84,000
Saratoga, New York 2 $ 471,000 $ 235,500 $ 83,000
Wayne, New York 2 $ 426,000 $ 213,000 $ 70,000
Davidson, North Carolina 2 $ 694,000 $ 347,000 $ 124,000
Johnston, North Carolina 2 $ 422,000 $ 211,000 $ 35,000
Moore, North Carolina 2 $ 468,000 $ 234,000 $ 127,000
Delaware, Ohio 2 $ 465,000 $ 232,500 $ 129,000
Hamilton, Ohio 2 $ 331,000 $ 165,500 $ 37,000
Stark, Ohio 2 $ 222,000 $ 111,000 $ 15,000
Canadian, Oklahoma 2 $ 300,000 $ 150,000 $ 0
Creek, Oklahoma 2 $ 263,000 $ 131,500 $ 0
Clackamas, Oregon 2 $ 383,000 $ 191,500 $ 0
Jackson, Oregon 2 $ 207,000 $ 103,500 $ 0
Lane, Oregon 2 $ 382,000 $ 191,000 $ 33,000
Marion, Oregon 2 $ 584,000 $ 292,000 $ 65,000
Washington, Oregon 2 $ 504,000 $ 252,000 $ 36,000
Adams, Pennsylvania 2 $ 395,000 $ 197,500 $ 84,000
Allegheny, Pennsylvania 2 $ 299,000 $ 149,500 $ 82,000
Berks, Pennsylvania 2 $ 290,000 $ 145,000 $ 65,000
Dauphin, Pennsylvania 2 $ 262,000 $ 131,000 $ 44,000
Delaware, Pennsylvania 2 $ 654,000 $ 327,000 $ 136,000
Lancaster, Pennsylvania 2 $ 686,000 $ 343,000 $ 91,000
Lehigh, Pennsylvania 2 $ 268,000 $ 134,000 $ 38,000
Berkeley, South Carolina 2 $ 290,000 $ 145,000 $ 0
Charleston, South Carolina 2 $ 405,000 $ 202,500 $ 33,000
Lancaster, South Carolina 2 $ 383,000 $ 191,500 $ 64,000
Lexington, South Carolina 2 $ 461,000 $ 230,500 $ 0
Robertson, Tennessee 2 $ 246,000 $ 123,000 $ 0
Sumner, Tennessee 2 $ 557,000 $ 278,500 $ 0
Wilson, Tennessee 2 $ 408,000 $ 204,000 $ 42,000
Bell, Texas 2 $ 366,000 $ 183,000 $ 0
Cameron, Texas 2 $ 213,000 $ 106,500 $ 0
Collin, Texas 2 $ 237,000 $ 118,500 $ 81,000
Comal, Texas 2 $ 581,000 $ 290,500 $ 121,000
Fort Bend, Texas 2 $ 254,000 $ 127,000 $ 0
Travis, Texas 2 $ 247,000 $ 123,500 $ 0
Benton, Washington 2 $ 318,000 $ 159,000 $ 57,000
Clark, Washington 2 $ 291,000 $ 145,500 $ 0
Jefferson, West Virginia 2 $ 423,000 $ 211,500 $ 84,000
Campbell, Wyoming 2 $ 351,000 $ 175,500 $ 46,000
Drew, Arkansas 1 $ 172,000 $ 172,000 $ 0
Garland, Arkansas 1 $ 399,000 $ 399,000 $ 0
Grant, Arkansas 1 $ 168,000 $ 168,000 $ 0
Lonoke, Arkansas 1 $ 111,000 $ 111,000 $ 0
Alameda, California 1 $ 305,000 $ 305,000 $ 0
Monterey, California 1 $ 310,000 $ 310,000 $ 43,000
Orange, California 1 $ 433,000 $ 433,000 $ 0
San Mateo, California 1 $ 472,000 $ 472,000 $ 0
Santa Clara, California 1 $ 626,000 $ 626,000 $ 126,000
Stanislaus, California 1 $ 124,000 $ 124,000 $ 50,000
Ventura, California 1 $ 398,000 $ 398,000 $ 0
Yolo, California 1 $ 417,000 $ 417,000 $ 122,000
Boulder, Colorado 1 $ 146,000 $ 146,000 $ 0
Denver, Colorado 1 $ 348,000 $ 348,000 $ 0
Fremont, Colorado 1 $ 122,000 $ 122,000 $ 0
Larimer, Colorado 1 $ 181,000 $ 181,000 $ 0
Mesa, Colorado 1 $ 159,000 $ 159,000 $ 54,000
Pueblo, Colorado 1 $ 162,000 $ 162,000 $ 34,000
Weld, Colorado 1 $ 125,000 $ 125,000 $ 0
New London, Connecticut 1 $ 149,000 $ 149,000 $ 35,000
Alachua, Florida 1 $ 141,000 $ 141,000 $ 38,000
Charlotte, Florida 1 $ 214,000 $ 214,000 $ 112,000
Escambia, Florida 1 $ 182,000 $ 182,000 $ 97,000
Flagler, Florida 1 $ 143,000 $ 143,000 $ 0
Indian River, Florida 1 $ 137,000 $ 137,000 $ 66,000
Manatee, Florida 1 $ 174,000 $ 174,000 $ 57,000
Monroe, Florida 1 $ 306,000 $ 306,000 $ 100,000
Okaloosa, Florida 1 $ 171,000 $ 171,000 $ 0
Osceola, Florida 1 $ 118,000 $ 118,000 $ 77,000
Santa Rosa, Florida 1 $ 173,000 $ 173,000 $ 0
Sarasota, Florida 1 $ 100,000 $ 100,000 $ 40,000
Volusia, Florida 1 $ 168,000 $ 168,000 $ 66,000
Carroll, Georgia 1 $ 170,000 $ 170,000 $ 62,000
Hall, Georgia 1 $ 124,000 $ 124,000 $ 75,000
Houston, Georgia 1 $ 168,000 $ 168,000 $ 0
Jackson, Georgia 1 $ 193,000 $ 193,000 $ 108,000
Liberty, Georgia 1 $ 197,000 $ 197,000 $ 0
Peach, Georgia 1 $ 167,000 $ 167,000 $ 70,000
Pike, Georgia 1 $ 129,000 $ 129,000 $ 0
Richmond, Georgia 1 $ 146,000 $ 146,000 $ 0
Walker, Georgia 1 $ 118,000 $ 118,000 $ 103,000
Whitfield, Georgia 1 $ 147,000 $ 147,000 $ 0
Bannock, Idaho 1 $ 133,000 $ 133,000 $ 0
Fremont, Idaho 1 $ 149,000 $ 149,000 $ 0
Jefferson, Idaho 1 $ 213,000 $ 213,000 $ 0
Jerome, Idaho 1 $ 170,000 $ 170,000 $ 0
Nez Perce, Idaho 1 $ 244,000 $ 244,000 $ 0
Washington, Idaho 1 $ 131,000 $ 131,000 $ 0
Clinton, Illinois 1 $ 165,000 $ 165,000 $ 0
DuPage, Illinois 1 $ 159,000 $ 159,000 $ 134,000
LaSalle, Illinois 1 $ 248,000 $ 248,000 $ 0
McLean, Illinois 1 $ 152,000 $ 152,000 $ 0
Woodford, Illinois 1 $ 189,000 $ 189,000 $ 48,000
Allen, Indiana 1 $ 158,000 $ 158,000 $ 72,000
Howard, Indiana 1 $ 174,000 $ 174,000 $ 0
Johnson, Indiana 1 $ 76,000 $ 76,000 $ 0
LaPorte, Indiana 1 $ 165,000 $ 165,000 $ 102,000
Porter, Indiana 1 $ 174,000 $ 174,000 $ 0
Randolph, Indiana 1 $ 163,000 $ 163,000 $ 0
Scott, Indiana 1 $ 88,000 $ 88,000 $ 59,000
Black Hawk, Iowa 1 $ 161,000 $ 161,000 $ 0
Dubuque, Iowa 1 $ 171,000 $ 171,000 $ 0
Emmet, Iowa 1 $ 106,000 $ 106,000 $ 0
Polk, Iowa 1 $ 145,000 $ 145,000 $ 40,000
Hancock, Maine 1 $ 142,000 $ 142,000 $ 51,000
Allegany, Maryland 1 $ 138,000 $ 138,000 $ 0
Calvert, Maryland 1 $ 305,000 $ 305,000 $ 80,000
Carroll, Maryland 1 $ 151,000 $ 151,000 $ 0
St. Mary's, Maryland 1 $ 76,000 $ 76,000 $ 31,000
Bristol, Massachusetts 1 $ 256,000 $ 256,000 $ 58,000
Dukes, Massachusetts 1 $ 457,000 $ 457,000 $ 91,000
Allegan, Michigan 1 $ 171,000 $ 171,000 $ 76,000
Calhoun, Michigan 1 $ 112,000 $ 112,000 $ 0
Cass, Michigan 1 $ 172,000 $ 172,000 $ 0
Genesee, Michigan 1 $ 288,000 $ 288,000 $ 0
Gladwin, Michigan 1 $ 108,000 $ 108,000 $ 43,000
Kent, Michigan 1 $ 103,000 $ 103,000 $ 30,000
Lapeer, Michigan 1 $ 141,000 $ 141,000 $ 0
Oakland, Michigan 1 $ 128,000 $ 128,000 $ 0
Saginaw, Michigan 1 $ 162,000 $ 162,000 $ 0
Washtenaw, Michigan 1 $ 172,000 $ 172,000 $ 0
Lyon, Minnesota 1 $ 245,000 $ 245,000 $ 163,000
Gallatin, Montana 1 $ 109,000 $ 109,000 $ 0
Douglas, Nebraska 1 $ 124,000 $ 124,000 $ 0
Hillsborough, New Hampshire 1 $ 245,000 $ 245,000 $ 0
Rockingham, New Hampshire 1 $ 230,000 $ 230,000 $ 57,000
Cape May, New Jersey 1 $ 107,000 $ 107,000 $ 22,000
Gloucester, New Jersey 1 $ 251,000 $ 251,000 $ 62,000
Dona Ana, New Mexico 1 $ 190,000 $ 190,000 $ 0
Sandoval, New Mexico 1 $ 168,000 $ 168,000 $ 0
Valencia, New Mexico 1 $ 155,000 $ 155,000 $ 0
Cattaraugus, New York 1 $ 138,000 $ 138,000 $ 55,000
Cayuga, New York 1 $ 85,000 $ 85,000 $ 95,000
Columbia, New York 1 $ 206,000 $ 206,000 $ 131,000
Cortland, New York 1 $ 113,000 $ 113,000 $ 0
Ontario, New York 1 $ 228,000 $ 228,000 $ 60,000
Otsego, New York 1 $ 147,000 $ 147,000 $ 116,000
Schenectady, New York 1 $ 63,000 $ 63,000 $ 35,000
Schoharie, New York 1 $ 61,000 $ 61,000 $ 91,000
Sullivan, New York 1 $ 352,000 $ 352,000 $ 179,000
Ulster, New York 1 $ 142,000 $ 142,000 $ 33,000
Warren, New York 1 $ 136,000 $ 136,000 $ 110,000
Bertie, North Carolina 1 $ 435,000 $ 435,000 $ 185,000
Brunswick, North Carolina 1 $ 212,000 $ 212,000 $ 52,000
Cabarrus, North Carolina 1 $ 122,000 $ 122,000 $ 0
Catawba, North Carolina 1 $ 128,000 $ 128,000 $ 35,000
Craven, North Carolina 1 $ 101,000 $ 101,000 $ 0
Forsyth, North Carolina 1 $ 284,000 $ 284,000 $ 192,000
Franklin, North Carolina 1 $ 164,000 $ 164,000 $ 70,000
Granville, North Carolina 1 $ 273,000 $ 273,000 $ 72,000
Iredell, North Carolina 1 $ 276,000 $ 276,000 $ 150,000
Lee, North Carolina 1 $ 312,000 $ 312,000 $ 0
Nash, North Carolina 1 $ 156,000 $ 156,000 $ 0
New Hanover, North Carolina 1 $ 149,000 $ 149,000 $ 0
Richmond, North Carolina 1 $ 125,000 $ 125,000 $ 0
Grand Forks, North Dakota 1 $ 259,000 $ 259,000 $ 63,000
Ashtabula, Ohio 1 $ 142,000 $ 142,000 $ 0
Butler, Ohio 1 $ 122,000 $ 122,000 $ 0
Columbiana, Ohio 1 $ 137,000 $ 137,000 $ 29,000
Fairfield, Ohio 1 $ 154,000 $ 154,000 $ 52,000
Licking, Ohio 1 $ 325,000 $ 325,000 $ 0
Lorain, Ohio 1 $ 143,000 $ 143,000 $ 0
Lucas, Ohio 1 $ 74,000 $ 74,000 $ 48,000
Portage, Ohio 1 $ 254,000 $ 254,000 $ 125,000
Trumbull, Ohio 1 $ 168,000 $ 168,000 $ 0
Washington, Ohio 1 $ 146,000 $ 146,000 $ 0
Wayne, Ohio 1 $ 205,000 $ 205,000 $ 0
Carter, Oklahoma 1 $ 159,000 $ 159,000 $ 0
Cherokee, Oklahoma 1 $ 182,000 $ 182,000 $ 0
Cleveland, Oklahoma 1 $ 178,000 $ 178,000 $ 52,000
Comanche, Oklahoma 1 $ 194,000 $ 194,000 $ 0
Kay, Oklahoma 1 $ 95,000 $ 95,000 $ 30,000
McClain, Oklahoma 1 $ 154,000 $ 154,000 $ 57,000
Pontotoc, Oklahoma 1 $ 115,000 $ 115,000 $ 0
Wagoner, Oklahoma 1 $ 126,000 $ 126,000 $ 0
Crook, Oregon 1 $ 122,000 $ 122,000 $ 40,000
Klamath, Oregon 1 $ 140,000 $ 140,000 $ 0
Lincoln, Oregon 1 $ 253,000 $ 253,000 $ 0
Linn, Oregon 1 $ 112,000 $ 112,000 $ 63,000
Malheur, Oregon 1 $ 161,000 $ 161,000 $ 0
Multnomah, Oregon 1 $ 205,000 $ 205,000 $ 82,000
Wasco, Oregon 1 $ 145,000 $ 145,000 $ 0
Yamhill, Oregon 1 $ 134,000 $ 134,000 $ 0
Carbon, Pennsylvania 1 $ 206,000 $ 206,000 $ 61,000
Centre, Pennsylvania 1 $ 217,000 $ 217,000 $ 57,000
Clinton, Pennsylvania 1 $ 276,000 $ 276,000 $ 88,000
Cumberland, Pennsylvania 1 $ 167,000 $ 167,000 $ 127,000
Lackawanna, Pennsylvania 1 $ 150,000 $ 150,000 $ 178,000
Lebanon, Pennsylvania 1 $ 200,000 $ 200,000 $ 53,000
Mercer, Pennsylvania 1 $ 131,000 $ 131,000 $ 27,000
Pike, Pennsylvania 1 $ 115,000 $ 115,000 $ 138,000
Westmoreland, Pennsylvania 1 $ 222,000 $ 222,000 $ 57,000
Kent, Rhode Island 1 $ 206,000 $ 206,000 $ 0
Providence, Rhode Island 1 $ 209,000 $ 209,000 $ 181,000
Aiken, South Carolina 1 $ 163,000 $ 163,000 $ 0
Cherokee, South Carolina 1 $ 163,000 $ 163,000 $ 0
Fairfield, South Carolina 1 $ 138,000 $ 138,000 $ 0
Hampton, South Carolina 1 $ 122,000 $ 122,000 $ 0
Spartanburg, South Carolina 1 $ 310,000 $ 310,000 $ 0
Pennington, South Dakota 1 $ 163,000 $ 163,000 $ 0
Bradley, Tennessee 1 $ 243,000 $ 243,000 $ 71,000
Cheatham, Tennessee 1 $ 124,000 $ 124,000 $ 0
Franklin, Tennessee 1 $ 115,000 $ 115,000 $ 38,000
Gibson, Tennessee 1 $ 163,000 $ 163,000 $ 0
Giles, Tennessee 1 $ 113,000 $ 113,000 $ 129,000
Henderson, Tennessee 1 $ 126,000 $ 126,000 $ 0
Henry, Tennessee 1 $ 129,000 $ 129,000 $ 50,000
Hickman, Tennessee 1 $ 109,000 $ 109,000 $ 0
Jefferson, Tennessee 1 $ 131,000 $ 131,000 $ 0
Knox, Tennessee 1 $ 150,000 $ 150,000 $ 47,000
Maury, Tennessee 1 $ 129,000 $ 129,000 $ 0
McMinn, Tennessee 1 $ 126,000 $ 126,000 $ 120,000
Putnam, Tennessee 1 $ 111,000 $ 111,000 $ 45,000
Rutherford, Tennessee 1 $ 200,000 $ 200,000 $ 59,000
Washington, Tennessee 1 $ 297,000 $ 297,000 $ 0
Williamson, Tennessee 1 $ 400,000 $ 400,000 $ 135,000
Bosque, Texas 1 $ 117,000 $ 117,000 $ 0
Coryell, Texas 1 $ 147,000 $ 147,000 $ 84,000
Ector, Texas 1 $ 308,000 $ 308,000 $ 0
Galveston, Texas 1 $ 406,000 $ 406,000 $ 0
Gregg, Texas 1 $ 101,000 $ 101,000 $ 0
Hardin, Texas 1 $ 182,000 $ 182,000 $ 120,000
Harrison, Texas 1 $ 124,000 $ 124,000 $ 54,000
Hays, Texas 1 $ 146,000 $ 146,000 $ 0
Hidalgo, Texas 1 $ 121,000 $ 121,000 $ 0
Johnson, Texas 1 $ 272,000 $ 272,000 $ 0
Llano, Texas 1 $ 163,000 $ 163,000 $ 58,000
Lubbock, Texas 1 $ 181,000 $ 181,000 $ 0
McLennan, Texas 1 $ 145,000 $ 145,000 $ 0
Parker, Texas 1 $ 130,000 $ 130,000 $ 0
Smith, Texas 1 $ 108,000 $ 108,000 $ 0
Williamson, Texas 1 $ 233,000 $ 233,000 $ 0
Cowlitz, Washington 1 $ 145,000 $ 145,000 $ 0
Franklin, Washington 1 $ 156,000 $ 156,000 $ 0
Grant, Washington 1 $ 111,000 $ 111,000 $ 0
Kittitas, Washington 1 $ 236,000 $ 236,000 $ 73,000
Whatcom, Washington 1 $ 216,000 $ 216,000 $ 53,000
Yakima, Washington 1 $ 155,000 $ 155,000 $ 0
Berkeley, West Virginia 1 $ 240,000 $ 240,000 $ 0
Laramie, Wyoming 1 $ 133,000 $ 133,000 $ 0

Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2014

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 1,606 $511,638,000 $318,000 $1,948,000 $106,000 $1,393,000
Refinancing 1,454 $364,787,000 $250,000 $2,450,000 $73,000 $3,989,000
Home Improvement 24 $7,637,000 $318,000 $574,000 $107,000 $264,000

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 1,346 $360,677,000 $267,000 $2,450,000 $93,000 $1,959,000
Hispanic 632 $180,152,000 $285,000 $980,000 $82,000 $847,000
Black or African American 609 $185,773,000 $305,000 $1,088,000 $74,000 $270,000
Not Provided 252 $71,563,000 $283,000 $1,948,000 $131,000 $3,989,000
Asian 229 $81,324,000 $355,000 $1,505,000 $102,000 $482,000
Native Hawaiian or Other Pacific Islander 9 $2,669,000 $296,000 $433,000 $75,000 $319,000
American Indian or Alaskan Native 7 $1,904,000 $272,000 $491,000 $49,000 $108,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,372 $416,454,000 $303,000 $2,450,000 $119,000 $3,989,000
FHA-insured (Federal Housing Administration) 1,120 $348,702,000 $311,000 $866,000 $89,000 $847,000
VA-guaranteed (Veterans Administration) 585 $117,605,000 $201,000 $678,000 $25,000 $473,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,301,000 $185,000 $284,000 $57,000 $90,000

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 1,661 $477,098,000 $287,000 $1,948,000 $87,000 $3,989,000
File Closed For Incompleteness 770 $220,112,000 $285,000 $2,450,000 $94,000 $1,108,000
Application Denied By Financial Institution 289 $81,880,000 $283,000 $1,260,000 $91,000 $1,393,000
Application Approved But Not Accepted 240 $69,689,000 $290,000 $1,320,000 $99,000 $1,959,000
Application Withdrawn By Applicant 124 $35,283,000 $284,000 $999,000 $88,000 $1,015,000
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 108 $34,643,000 $320,000 $1,200,000 $86,000 $617,000
Credit History 52 $12,296,000 $236,000 $481,000 $76,000 $227,000
Collateral 49 $12,310,000 $251,000 $711,000 $87,000 $225,000
Other 48 $12,897,000 $268,000 $1,260,000 $121,000 $1,393,000
Unverifiable Information 13 $4,308,000 $331,000 $593,000 $90,000 $148,000
Employment History 8 $2,374,000 $296,000 $474,000 $97,000 $164,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,722,000 $287,000 $385,000 $85,000 $115,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2014 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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