Franklin First Financial, Ltd Mortgage Lending & HMDA Data, 2015
In 2015, Franklin First Financial, Ltd of Melville, NY reported 3,014 mortgage applications totaling $976.2 million, down 2% from 2014. The average application was for $323,876, and applicants reported an average income of $89,980. 51% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (1,269), Nassau County-Suffolk County, NY (717) and Newark, NJ-PA (112) (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 | 3,014 |
| Total Mortgage Loan Application Amount | $976,165,000 |
| Average Mortgage Loan Application Amount | $323,876 |
| Highest Mortgage Loan Application Amount | $1,988,000 |
| Average Applicant Income | $89,980 |
| Highest Applicant Income | $1,854,000 |
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records Franklin First Financial, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nassau, New York | 436 | $ 159,087,000 | $ 364,878 | $ 120,000 |
| Queens, New York | 378 | $ 141,568,000 | $ 374,518 | $ 84,000 |
| Kings, New York | 323 | $ 146,855,000 | $ 454,659 | $ 110,000 |
| Suffolk, New York | 281 | $ 84,669,000 | $ 301,313 | $ 108,000 |
| Hudson, New Jersey | 148 | $ 42,786,000 | $ 289,094 | $ 73,000 |
| Bergen, New Jersey | 105 | $ 30,036,000 | $ 286,057 | $ 80,000 |
| Los Angeles, California | 98 | $ 36,086,000 | $ 368,224 | $ 71,000 |
| Bronx, New York | 91 | $ 34,123,000 | $ 374,978 | $ 78,000 |
| Passaic, New Jersey | 51 | $ 13,191,000 | $ 258,647 | $ 63,000 |
| Richmond, New York | 47 | $ 16,036,000 | $ 341,191 | $ 82,000 |
| Essex, New Jersey | 39 | $ 10,280,000 | $ 263,589 | $ 76,000 |
| Middlesex, New Jersey | 35 | $ 10,366,000 | $ 296,171 | $ 77,000 |
| Westchester, New York | 34 | $ 11,711,000 | $ 344,441 | $ 95,000 |
| Morris, New Jersey | 25 | $ 7,670,000 | $ 306,800 | $ 100,000 |
| Monroe, Pennsylvania | 25 | $ 3,727,000 | $ 149,080 | $ 58,000 |
| Union, New Jersey | 24 | $ 5,173,000 | $ 215,541 | $ 62,000 |
| Baltimore, Maryland | 22 | $ 4,916,000 | $ 223,454 | $ 62,000 |
| Miami-Dade, Florida | 17 | $ 6,492,000 | $ 381,882 | $ 168,000 |
| New York, New York | 16 | $ 11,139,000 | $ 696,187 | $ 268,000 |
| Monmouth, New Jersey | 15 | $ 4,939,000 | $ 329,266 | $ 153,000 |
| Riverside, California | 14 | $ 4,963,000 | $ 354,500 | $ 84,000 |
| Sussex, New Jersey | 14 | $ 2,879,000 | $ 205,642 | $ 96,000 |
| Philadelphia, Pennsylvania | 14 | $ 3,459,000 | $ 247,071 | $ 102,000 |
| Fairfield, Connecticut | 13 | $ 6,264,000 | $ 481,846 | $ 154,000 |
| Palm Beach, Florida | 13 | $ 3,260,000 | $ 250,769 | $ 170,000 |
| Prince George's, Maryland | 13 | $ 3,644,000 | $ 280,307 | $ 85,000 |
| Broward, Florida | 12 | $ 2,746,000 | $ 228,833 | $ 76,000 |
| San Bernardino, California | 11 | $ 2,709,000 | $ 246,272 | $ 58,000 |
| Orange, New York | 11 | $ 2,205,000 | $ 200,454 | $ 76,000 |
| San Diego, California | 10 | $ 3,571,000 | $ 357,100 | $ 41,000 |
| Orange, Florida | 10 | $ 2,191,000 | $ 219,100 | $ 56,000 |
| Camden, New Jersey | 10 | $ 1,851,000 | $ 185,100 | $ 33,000 |
| Dutchess, New York | 10 | $ 2,799,000 | $ 279,900 | $ 110,000 |
| Bucks, Pennsylvania | 10 | $ 2,560,000 | $ 256,000 | $ 88,000 |
| Hillsborough, Florida | 9 | $ 1,886,000 | $ 209,555 | $ 100,000 |
| Middlesex, Massachusetts | 9 | $ 3,119,000 | $ 346,555 | $ 114,000 |
| Ocean, New Jersey | 9 | $ 3,300,000 | $ 366,666 | $ 211,000 |
| Warren, New Jersey | 9 | $ 1,708,000 | $ 189,777 | $ 66,000 |
| Burlington, New Jersey | 8 | $ 1,399,000 | $ 174,875 | $ 77,000 |
| Wake, North Carolina | 8 | $ 1,331,000 | $ 166,375 | $ 59,000 |
| Jefferson, Colorado | 7 | $ 1,687,000 | $ 241,000 | $ 72,000 |
| Bristol, Massachusetts | 7 | $ 1,761,000 | $ 251,571 | $ 31,000 |
| Suffolk, Massachusetts | 7 | $ 2,032,000 | $ 290,285 | $ 91,000 |
| Somerset, New Jersey | 7 | $ 1,768,000 | $ 252,571 | $ 56,000 |
| Putnam, New York | 7 | $ 2,302,000 | $ 328,857 | $ 116,000 |
| Providence, Rhode Island | 7 | $ 1,283,000 | $ 183,285 | $ 49,000 |
| Orange, California | 6 | $ 3,199,000 | $ 533,166 | $ 261,000 |
| Sacramento, California | 6 | $ 1,533,000 | $ 255,500 | $ 56,000 |
| Collier, Florida | 6 | $ 1,516,000 | $ 252,666 | $ 121,000 |
| Norfolk, Massachusetts | 6 | $ 1,983,000 | $ 330,500 | $ 72,000 |
| Gloucester, New Jersey | 6 | $ 1,463,000 | $ 243,833 | $ 129,000 |
| Rockland, New York | 6 | $ 1,949,000 | $ 324,833 | $ 106,000 |
| Onslow, North Carolina | 6 | $ 879,000 | $ 146,500 | $ 4,000 |
| Delaware, Pennsylvania | 6 | $ 1,750,000 | $ 291,666 | $ 114,000 |
| Lackawanna, Pennsylvania | 6 | $ 997,000 | $ 166,166 | $ 71,000 |
| York, Pennsylvania | 6 | $ 1,162,000 | $ 193,666 | $ 40,000 |
| San Joaquin, California | 5 | $ 1,383,000 | $ 276,600 | $ 99,000 |
| Solano, California | 5 | $ 1,276,000 | $ 255,200 | $ 85,000 |
| Hartford, Connecticut | 5 | $ 850,000 | $ 170,000 | $ 88,000 |
| District of Columbia, District Of Columbia | 5 | $ 1,194,000 | $ 238,800 | $ 102,000 |
| Duval, Florida | 5 | $ 1,212,000 | $ 242,400 | $ 31,000 |
| Lee, Florida | 5 | $ 836,000 | $ 167,200 | $ 41,000 |
| Barnstable, Massachusetts | 5 | $ 1,537,000 | $ 307,400 | $ 155,000 |
| Wayne, Michigan | 5 | $ 976,000 | $ 195,200 | $ 69,000 |
| Montgomery, Pennsylvania | 5 | $ 1,209,000 | $ 241,800 | $ 47,000 |
| Northampton, Pennsylvania | 5 | $ 1,169,000 | $ 233,800 | $ 57,000 |
| Kent, Rhode Island | 5 | $ 1,009,000 | $ 201,800 | $ 124,000 |
| Bexar, Texas | 5 | $ 863,000 | $ 172,600 | $ 0 |
| Fresno, California | 4 | $ 1,374,000 | $ 343,500 | $ 111,000 |
| New Castle, Delaware | 4 | $ 1,197,000 | $ 299,250 | $ 72,000 |
| St. Johns, Florida | 4 | $ 972,000 | $ 243,000 | $ 122,000 |
| Cook, Illinois | 4 | $ 787,000 | $ 196,750 | $ 18,000 |
| Charles, Maryland | 4 | $ 1,721,000 | $ 430,250 | $ 34,000 |
| Essex, Massachusetts | 4 | $ 1,230,000 | $ 307,500 | $ 99,000 |
| Plymouth, Massachusetts | 4 | $ 1,077,000 | $ 269,250 | $ 55,000 |
| Cape May, New Jersey | 4 | $ 1,176,000 | $ 294,000 | $ 96,000 |
| Onondaga, New York | 4 | $ 732,000 | $ 183,000 | $ 37,000 |
| Oklahoma, Oklahoma | 4 | $ 725,000 | $ 181,250 | $ 38,000 |
| Berks, Pennsylvania | 4 | $ 525,000 | $ 131,250 | $ 44,000 |
| Washington, Rhode Island | 4 | $ 1,407,000 | $ 351,750 | $ 123,000 |
| Davidson, Tennessee | 4 | $ 1,072,000 | $ 268,000 | $ 108,000 |
| Harris, Texas | 4 | $ 811,000 | $ 202,750 | $ 6,000 |
| Tarrant, Texas | 4 | $ 845,000 | $ 211,250 | $ 0 |
| Pierce, Washington | 4 | $ 1,037,000 | $ 259,250 | $ 56,000 |
| Kern, California | 3 | $ 553,000 | $ 184,333 | $ 0 |
| Santa Clara, California | 3 | $ 1,473,000 | $ 491,000 | $ 63,000 |
| Pasco, Florida | 3 | $ 611,000 | $ 203,666 | $ 80,000 |
| Pinellas, Florida | 3 | $ 452,000 | $ 150,666 | $ 46,000 |
| Volusia, Florida | 3 | $ 512,000 | $ 170,666 | $ 53,000 |
| Douglas, Georgia | 3 | $ 642,000 | $ 214,000 | $ 24,000 |
| Fulton, Georgia | 3 | $ 1,137,000 | $ 379,000 | $ 36,000 |
| Henry, Georgia | 3 | $ 367,000 | $ 122,333 | $ 19,000 |
| Anne Arundel, Maryland | 3 | $ 1,346,000 | $ 448,666 | $ 80,000 |
| Baltimore City, Maryland | 3 | $ 492,000 | $ 164,000 | $ 28,000 |
| Harford, Maryland | 3 | $ 718,000 | $ 239,333 | $ 52,000 |
| Howard, Maryland | 3 | $ 1,165,000 | $ 388,333 | $ 70,000 |
| Montgomery, Maryland | 3 | $ 835,000 | $ 278,333 | $ 111,000 |
| St. Mary's, Maryland | 3 | $ 1,039,000 | $ 346,333 | $ 107,000 |
| Worcester, Massachusetts | 3 | $ 678,000 | $ 226,000 | $ 105,000 |
| Macomb, Michigan | 3 | $ 610,000 | $ 203,333 | $ 27,000 |
| Albany, New York | 3 | $ 578,000 | $ 192,666 | $ 26,000 |
| Ulster, New York | 3 | $ 752,000 | $ 250,666 | $ 81,000 |
| Buncombe, North Carolina | 3 | $ 712,000 | $ 237,333 | $ 80,000 |
| Cumberland, North Carolina | 3 | $ 443,000 | $ 147,666 | $ 56,000 |
| Hoke, North Carolina | 3 | $ 456,000 | $ 152,000 | $ 0 |
| Mecklenburg, North Carolina | 3 | $ 504,000 | $ 168,000 | $ 43,000 |
| Cuyahoga, Ohio | 3 | $ 456,000 | $ 152,000 | $ 36,000 |
| Summit, Ohio | 3 | $ 429,000 | $ 143,000 | $ 33,000 |
| Allegheny, Pennsylvania | 3 | $ 407,000 | $ 135,666 | $ 43,000 |
| Lehigh, Pennsylvania | 3 | $ 865,000 | $ 288,333 | $ 110,000 |
| Bell, Texas | 3 | $ 624,000 | $ 208,000 | $ 32,000 |
| King, Washington | 3 | $ 938,000 | $ 312,666 | $ 49,000 |
| Pulaski, Arkansas | 2 | $ 378,000 | $ 189,000 | $ 0 |
| Contra Costa, California | 2 | $ 1,033,000 | $ 516,500 | $ 146,000 |
| Merced, California | 2 | $ 617,000 | $ 308,500 | $ 37,000 |
| Santa Barbara, California | 2 | $ 1,101,000 | $ 550,500 | $ 56,000 |
| Stanislaus, California | 2 | $ 735,000 | $ 367,500 | $ 55,000 |
| Tuolumne, California | 2 | $ 385,000 | $ 192,500 | $ 54,000 |
| Ventura, California | 2 | $ 1,083,000 | $ 541,500 | $ 159,000 |
| Arapahoe, Colorado | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Boulder, Colorado | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Mesa, Colorado | 2 | $ 398,000 | $ 199,000 | $ 25,000 |
| Litchfield, Connecticut | 2 | $ 493,000 | $ 246,500 | $ 46,000 |
| Middlesex, Connecticut | 2 | $ 540,000 | $ 270,000 | $ 74,000 |
| New Haven, Connecticut | 2 | $ 263,000 | $ 131,500 | $ 37,000 |
| Sussex, Delaware | 2 | $ 315,000 | $ 157,500 | $ 45,000 |
| Lake, Florida | 2 | $ 527,000 | $ 263,500 | $ 67,000 |
| Martin, Florida | 2 | $ 758,000 | $ 379,000 | $ 144,000 |
| Osceola, Florida | 2 | $ 332,000 | $ 166,000 | $ 48,000 |
| Polk, Florida | 2 | $ 345,000 | $ 172,500 | $ 50,000 |
| Cobb, Georgia | 2 | $ 401,000 | $ 200,500 | $ 93,000 |
| Coweta, Georgia | 2 | $ 398,000 | $ 199,000 | $ 15,000 |
| DeKalb, Georgia | 2 | $ 516,000 | $ 258,000 | $ 83,000 |
| Gwinnett, Georgia | 2 | $ 372,000 | $ 186,000 | $ 30,000 |
| Muscogee, Georgia | 2 | $ 294,000 | $ 147,000 | $ 0 |
| Jerome, Idaho | 2 | $ 296,000 | $ 148,000 | $ 33,000 |
| Lake, Indiana | 2 | $ 404,000 | $ 202,000 | $ 0 |
| Jefferson, Kansas | 2 | $ 186,000 | $ 93,000 | $ 43,000 |
| Hampden, Massachusetts | 2 | $ 880,000 | $ 440,000 | $ 216,000 |
| Oakland, Michigan | 2 | $ 303,000 | $ 151,500 | $ 18,000 |
| Dakota, Minnesota | 2 | $ 325,000 | $ 162,500 | $ 41,000 |
| Stearns, Minnesota | 2 | $ 365,000 | $ 182,500 | $ 63,000 |
| Hunterdon, New Jersey | 2 | $ 1,031,000 | $ 515,500 | $ 131,000 |
| Mercer, New Jersey | 2 | $ 554,000 | $ 277,000 | $ 31,000 |
| Columbia, New York | 2 | $ 492,000 | $ 246,000 | $ 141,000 |
| Monroe, New York | 2 | $ 475,000 | $ 237,500 | $ 112,000 |
| Sullivan, New York | 2 | $ 286,000 | $ 143,000 | $ 99,000 |
| Cabarrus, North Carolina | 2 | $ 419,000 | $ 209,500 | $ 39,000 |
| Pitt, North Carolina | 2 | $ 640,000 | $ 320,000 | $ 84,000 |
| Grand Forks, North Dakota | 2 | $ 272,000 | $ 136,000 | $ 69,000 |
| Butler, Ohio | 2 | $ 333,000 | $ 166,500 | $ 42,000 |
| Knox, Ohio | 2 | $ 511,000 | $ 255,500 | $ 0 |
| Portage, Ohio | 2 | $ 604,000 | $ 302,000 | $ 74,000 |
| Ross, Ohio | 2 | $ 241,000 | $ 120,500 | $ 0 |
| Comanche, Oklahoma | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Chester, Pennsylvania | 2 | $ 968,000 | $ 484,000 | $ 167,000 |
| Lebanon, Pennsylvania | 2 | $ 439,000 | $ 219,500 | $ 57,000 |
| Luzerne, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Lycoming, Pennsylvania | 2 | $ 416,000 | $ 208,000 | $ 251,000 |
| Lexington, South Carolina | 2 | $ 201,000 | $ 100,500 | $ 10,000 |
| York, South Carolina | 2 | $ 423,000 | $ 211,500 | $ 0 |
| Montgomery, Tennessee | 2 | $ 497,000 | $ 248,500 | $ 118,000 |
| Travis, Texas | 2 | $ 403,000 | $ 201,500 | $ 56,000 |
| Island, Washington | 2 | $ 732,000 | $ 366,000 | $ 93,000 |
| Snohomish, Washington | 2 | $ 567,000 | $ 283,500 | $ 83,000 |
| Crawford, Arkansas | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Mississippi, Arkansas | 1 | $ 173,000 | $ 173,000 | $ 165,000 |
| Saline, Arkansas | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Sebastian, Arkansas | 1 | $ 144,000 | $ 144,000 | $ 34,000 |
| Alameda, California | 1 | $ 630,000 | $ 630,000 | $ 72,000 |
| Calaveras, California | 1 | $ 327,000 | $ 327,000 | $ 0 |
| El Dorado, California | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Imperial, California | 1 | $ 302,000 | $ 302,000 | $ 156,000 |
| Kings, California | 1 | $ 247,000 | $ 247,000 | $ 0 |
| San Francisco, California | 1 | $ 310,000 | $ 310,000 | $ 57,000 |
| Santa Cruz, California | 1 | $ 475,000 | $ 475,000 | $ 53,000 |
| Shasta, California | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Sonoma, California | 1 | $ 426,000 | $ 426,000 | $ 149,000 |
| Tulare, California | 1 | $ 166,000 | $ 166,000 | $ 62,000 |
| Yolo, California | 1 | $ 467,000 | $ 467,000 | $ 0 |
| Denver, Colorado | 1 | $ 417,000 | $ 417,000 | $ 235,000 |
| El Paso, Colorado | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Yuma, Colorado | 1 | $ 176,000 | $ 176,000 | $ 59,000 |
| Tolland, Connecticut | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Kent, Delaware | 1 | $ 186,000 | $ 186,000 | $ 46,000 |
| Bay, Florida | 1 | $ 293,000 | $ 293,000 | $ 104,000 |
| Charlotte, Florida | 1 | $ 166,000 | $ 166,000 | $ 69,000 |
| Clay, Florida | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Flagler, Florida | 1 | $ 315,000 | $ 315,000 | $ 101,000 |
| Hernando, Florida | 1 | $ 81,000 | $ 81,000 | $ 46,000 |
| Leon, Florida | 1 | $ 129,000 | $ 129,000 | $ 53,000 |
| Santa Rosa, Florida | 1 | $ 244,000 | $ 244,000 | $ 115,000 |
| Sarasota, Florida | 1 | $ 97,000 | $ 97,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Bibb, Georgia | 1 | $ 169,000 | $ 169,000 | $ 92,000 |
| Camden, Georgia | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Carroll, Georgia | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Chatham, Georgia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 260,000 | $ 260,000 | $ 75,000 |
| Clarke, Georgia | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Clayton, Georgia | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Dougherty, Georgia | 1 | $ 149,000 | $ 149,000 | $ 165,000 |
| Glynn, Georgia | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Lee, Georgia | 1 | $ 156,000 | $ 156,000 | $ 118,000 |
| Liberty, Georgia | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Lowndes, Georgia | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Kankakee, Illinois | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Sangamon, Illinois | 1 | $ 261,000 | $ 261,000 | $ 222,000 |
| Will, Illinois | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Clark, Indiana | 1 | $ 147,000 | $ 147,000 | $ 60,000 |
| Elkhart, Indiana | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Hancock, Indiana | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Harrison, Indiana | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Johnson, Indiana | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Marion, Indiana | 1 | $ 93,000 | $ 93,000 | $ 25,000 |
| Porter, Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Polk, Iowa | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Sedgwick, Kansas | 1 | $ 96,000 | $ 96,000 | $ 52,000 |
| Cumberland, Maine | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Franklin, Maine | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Sagadahoc, Maine | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Caroline, Maryland | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Carroll, Maryland | 1 | $ 227,000 | $ 227,000 | $ 63,000 |
| Dorchester, Maryland | 1 | $ 79,000 | $ 79,000 | $ 64,000 |
| Frederick, Maryland | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Talbot, Maryland | 1 | $ 292,000 | $ 292,000 | $ 90,000 |
| Berkshire, Massachusetts | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Allegan, Michigan | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kent, Michigan | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Rice, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Scott, Minnesota | 1 | $ 194,000 | $ 194,000 | $ 0 |
| St. Louis, Minnesota | 1 | $ 210,000 | $ 210,000 | $ 44,000 |
| Washington, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Winona, Minnesota | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Sarpy, Nebraska | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Rockingham, New Hampshire | 1 | $ 668,000 | $ 668,000 | $ 186,000 |
| Atlantic, New Jersey | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Cumberland, New Jersey | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Bernalillo, New Mexico | 1 | $ 186,000 | $ 186,000 | $ 37,000 |
| Dona Ana, New Mexico | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Clinton, New York | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Cortland, New York | 1 | $ 214,000 | $ 214,000 | $ 75,000 |
| Erie, New York | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Franklin, New York | 1 | $ 124,000 | $ 124,000 | $ 41,000 |
| Jefferson, New York | 1 | $ 74,000 | $ 74,000 | $ 68,000 |
| Montgomery, New York | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Oneida, New York | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Oswego, New York | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Rensselaer, New York | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Saratoga, New York | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Tompkins, New York | 1 | $ 142,000 | $ 142,000 | $ 89,000 |
| Brunswick, North Carolina | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 159,000 | $ 159,000 | $ 45,000 |
| Guilford, North Carolina | 1 | $ 212,000 | $ 212,000 | $ 45,000 |
| Iredell, North Carolina | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Lee, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| New Hanover, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Orange, North Carolina | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Clermont, Ohio | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Delaware, Ohio | 1 | $ 207,000 | $ 207,000 | $ 63,000 |
| Hamilton, Ohio | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Lake, Ohio | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Licking, Ohio | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Lorain, Ohio | 1 | $ 296,000 | $ 296,000 | $ 97,000 |
| Mahoning, Ohio | 1 | $ 83,000 | $ 83,000 | $ 158,000 |
| Stark, Ohio | 1 | $ 86,000 | $ 86,000 | $ 59,000 |
| Trumbull, Ohio | 1 | $ 220,000 | $ 220,000 | $ 48,000 |
| Tuscarawas, Ohio | 1 | $ 141,000 | $ 141,000 | $ 99,000 |
| Union, Ohio | 1 | $ 417,000 | $ 417,000 | $ 125,000 |
| Warren, Ohio | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Jackson, Oklahoma | 1 | $ 238,000 | $ 238,000 | $ 171,000 |
| Kingfisher, Oklahoma | 1 | $ 317,000 | $ 317,000 | $ 0 |
| McClain, Oklahoma | 1 | $ 156,000 | $ 156,000 | $ 42,000 |
| McIntosh, Oklahoma | 1 | $ 93,000 | $ 93,000 | $ 33,000 |
| Tulsa, Oklahoma | 1 | $ 274,000 | $ 274,000 | $ 0 |
| Clatsop, Oregon | 1 | $ 150,000 | $ 150,000 | $ 95,000 |
| Coos, Oregon | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Hood River, Oregon | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Jackson, Oregon | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Josephine, Oregon | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Umatilla, Oregon | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Washington, Oregon | 1 | $ 386,000 | $ 386,000 | $ 67,000 |
| Adams, Pennsylvania | 1 | $ 259,000 | $ 259,000 | $ 114,000 |
| Carbon, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 32,000 |
| Clinton, Pennsylvania | 1 | $ 276,000 | $ 276,000 | $ 80,000 |
| Dauphin, Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 40,000 |
| Lancaster, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 112,000 |
| Mercer, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 43,000 |
| Montour, Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 19,000 |
| Pike, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Wayne, Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 100,000 |
| Beaufort, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Calhoun, South Carolina | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 352,000 | $ 352,000 | $ 108,000 |
| Florence, South Carolina | 1 | $ 102,000 | $ 102,000 | $ 66,000 |
| Greenville, South Carolina | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Greenwood, South Carolina | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Horry, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Kershaw, South Carolina | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Sumter, South Carolina | 1 | $ 297,000 | $ 297,000 | $ 0 |
| Jackson, Tennessee | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Maury, Tennessee | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Robertson, Tennessee | 1 | $ 86,000 | $ 86,000 | $ 37,000 |
| Sumner, Tennessee | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Brazoria, Texas | 1 | $ 375,000 | $ 375,000 | $ 174,000 |
| Cameron, Texas | 1 | $ 229,000 | $ 229,000 | $ 102,000 |
| Collin, Texas | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Comal, Texas | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Dallas, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| El Paso, Texas | 1 | $ 138,000 | $ 138,000 | $ 103,000 |
| Ellis, Texas | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Hidalgo, Texas | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Hunt, Texas | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Johnson, Texas | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Kaufman, Texas | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Lampasas, Texas | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Montgomery, Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Nueces, Texas | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Parker, Texas | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Smith, Texas | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Washington, Texas | 1 | $ 303,000 | $ 303,000 | $ 270,000 |
| Wichita, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bennington, Vermont | 1 | $ 199,000 | $ 199,000 | $ 260,000 |
| Benton, Washington | 1 | $ 148,000 | $ 148,000 | $ 49,000 |
| Chelan, Washington | 1 | $ 265,000 | $ 265,000 | $ 42,000 |
| Clark, Washington | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Franklin, Washington | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Kittitas, Washington | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Mason, Washington | 1 | $ 365,000 | $ 365,000 | $ 118,000 |
| Thurston, Washington | 1 | $ 218,000 | $ 218,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2015
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 | 1,549 | $483,266,000 | $311,000 | $1,988,000 | $73,000 | $1,854,000 |
| Home Purchase | 1,449 | $487,136,000 | $336,000 | $1,950,000 | $108,000 | $853,000 |
| Home Improvement | 16 | $5,763,000 | $360,000 | $598,000 | $102,000 | $168,000 |
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 | 1,302 | $408,447,000 | $313,000 | $1,950,000 | $104,000 | $1,854,000 |
| Black or African American | 649 | $219,418,000 | $338,000 | $941,000 | $74,000 | $504,000 |
| Hispanic | 570 | $170,211,000 | $298,000 | $683,000 | $70,000 | $1,022,000 |
| Not Provided | 241 | $81,512,000 | $338,000 | $1,904,000 | $95,000 | $720,000 |
| Asian | 241 | $92,950,000 | $385,000 | $1,988,000 | $102,000 | $487,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,895,000 | $361,000 | $551,000 | $68,000 | $110,000 |
| American Indian or Alaskan Native | 3 | $732,000 | $244,000 | $336,000 | $33,000 | $57,000 |
| 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) | 1,501 | $490,828,000 | $327,000 | $941,000 | $67,000 | $597,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,299 | $432,982,000 | $333,000 | $1,988,000 | $125,000 | $1,854,000 |
| VA-guaranteed (Veterans Administration) | 212 | $52,100,000 | $245,000 | $814,000 | $42,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $255,000 | $127,000 | $142,000 | $41,000 | $46,000 |
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 | 1,531 | $506,828,000 | $331,000 | $1,950,000 | $89,000 | $1,374,000 |
| File Closed For Incompleteness | 873 | $273,416,000 | $313,000 | $1,235,000 | $92,000 | $1,854,000 |
| Application Approved But Not Accepted | 286 | $98,236,000 | $343,000 | $1,525,000 | $95,000 | $1,022,000 |
| Application Denied By Financial Institution | 224 | $68,040,000 | $303,000 | $1,988,000 | $86,000 | $720,000 |
| Application Withdrawn By Applicant | 100 | $29,645,000 | $296,000 | $1,080,000 | $85,000 | $762,000 |
| 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 | 64 | $21,751,000 | $339,000 | $1,500,000 | $77,000 | $279,000 |
| Credit History | 59 | $15,621,000 | $264,000 | $565,000 | $75,000 | $194,000 |
| Other | 30 | $9,580,000 | $319,000 | $1,904,000 | $93,000 | $720,000 |
| Collateral | 28 | $9,310,000 | $332,000 | $1,988,000 | $140,000 | $652,000 |
| Unverifiable Information | 17 | $5,155,000 | $303,000 | $750,000 | $83,000 | $194,000 |
| Credit Application Incomplete | 7 | $1,506,000 | $215,000 | $393,000 | $37,000 | $95,000 |
| Employment History | 5 | $1,329,000 | $265,000 | $474,000 | $56,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,354,000 | $270,000 | $474,000 | $66,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2015 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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