Franklin First Financial, Ltd Mortgage Lending & HMDA Data, 2009
In 2009, Franklin First Financial, Ltd of Melville, NY reported 3,166 mortgage applications totaling $798.1 million, down 2% from 2008. The average application was for $252,071, and applicants reported an average income of $81,505. 65% of its applications resulted in an originated loan and 13% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (587), Nassau-Suffolk, NY (526) and Philadelphia, PA (120) (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 | 3,166 |
| Total Mortgage Loan Application Amount | $798,059,000 |
| Average Mortgage Loan Application Amount | $252,071 |
| Highest Mortgage Loan Application Amount | $999,000 |
| Average Applicant Income | $81,505 |
| Highest Applicant Income | $1,067,000 |
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records Franklin First Financial, Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 587 | $ 206,969,000 | $ 352,587 | $ 97,521 |
| Nassau-Suffolk, NY | 526 | $ 162,655,000 | $ 309,230 | $ 101,000 |
| Philadelphia, PA | 120 | $ 24,808,000 | $ 206,733 | $ 79,000 |
| Hartford-West Hartford-East Hartford, CT | 105 | $ 22,041,000 | $ 209,914 | $ 76,000 |
| Newark-Union, NJ-PA | 97 | $ 29,692,000 | $ 306,103 | $ 90,845 |
| Edison-New Brunswick, NJ | 78 | $ 22,022,000 | $ 282,333 | $ 90,000 |
| Pittsburgh, PA | 58 | $ 9,543,000 | $ 164,534 | $ 92,000 |
| Baltimore-Towson, MD | 52 | $ 13,803,000 | $ 265,442 | $ 100,000 |
| Chicago-Naperville-Joliet, IL | 47 | $ 10,202,000 | $ 217,063 | $ 75,000 |
| Boston-Quincy, MA | 46 | $ 12,472,000 | $ 271,130 | $ 88,000 |
| New Haven-Milford, CT | 42 | $ 8,494,000 | $ 202,238 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 41 | $ 7,383,000 | $ 180,073 | $ 58,000 |
| Albany-Schenectady-Troy, NY | 36 | $ 6,364,000 | $ 176,777 | $ 61,000 |
| Camden, NJ | 36 | $ 7,918,000 | $ 219,944 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 5,974,000 | $ 175,705 | $ 86,000 |
| Buffalo-Niagara Falls, NY | 33 | $ 5,382,000 | $ 163,090 | $ 79,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 7,325,000 | $ 221,969 | $ 85,000 |
| Peabody, MA | 30 | $ 8,514,000 | $ 283,800 | $ 77,000 |
| Providence-New Bedford-Fall River, RI-MA | 30 | $ 6,491,000 | $ 216,366 | $ 78,333 |
| Bridgeport-Stamford-Norwalk, CT | 28 | $ 8,185,000 | $ 292,321 | $ 88,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 8,207,000 | $ 303,962 | $ 95,629 |
| Poughkeepsie-Newburgh-Middletown, NY | 26 | $ 7,095,000 | $ 272,884 | $ 72,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 25 | $ 5,082,000 | $ 203,280 | $ 67,200 |
| Cambridge-Newton-Framingham, MA | 24 | $ 7,322,000 | $ 305,083 | $ 98,000 |
| Charlotte-Gastonia-Concord, NC-SC | 22 | $ 4,281,000 | $ 194,590 | $ 69,954 |
| Wilmington, DE-MD-NJ | 21 | $ 4,688,000 | $ 223,238 | $ 71,285 |
| Orlando-Kissimmee, FL | 20 | $ 3,233,000 | $ 161,650 | $ 69,000 |
| Reading, PA | 18 | $ 3,148,000 | $ 174,888 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 2,131,000 | $ 118,388 | $ 53,000 |
| Cleveland-Elyria-Mentor, OH | 17 | $ 2,569,000 | $ 151,117 | $ 44,000 |
| Norwich-New London, CT | 17 | $ 3,441,000 | $ 202,411 | $ 65,000 |
| Albuquerque, NM | 14 | $ 2,270,000 | $ 162,142 | $ 23,000 |
| Bethesda-Frederick-Rockville, MD | 14 | $ 3,385,000 | $ 241,785 | $ 69,000 |
| Raleigh-Cary, NC | 14 | $ 3,255,000 | $ 232,500 | $ 84,000 |
| Rochester, NY | 14 | $ 2,097,000 | $ 149,785 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 14 | $ 2,052,000 | $ 146,571 | $ 59,000 |
| Dallas-Plano-Irving, TX | 13 | $ 1,981,000 | $ 152,384 | $ 5,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 13 | $ 2,542,000 | $ 195,538 | $ 92,000 |
| Gary, IN | 12 | $ 1,941,000 | $ 161,750 | $ 67,000 |
| Kansas City, MO-KS | 12 | $ 1,703,000 | $ 141,916 | $ 52,000 |
| Trenton-Ewing, NJ | 12 | $ 2,986,000 | $ 248,833 | $ 85,000 |
| Denver-Aurora-Broomfield, CO | 11 | $ 2,679,000 | $ 243,545 | $ 92,000 |
| Houston-Sugar Land-Baytown, TX | 11 | $ 1,527,000 | $ 138,818 | $ 0 |
| Indianapolis-Carmel, IN | 11 | $ 1,591,000 | $ 144,636 | $ 50,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 2,087,000 | $ 189,727 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 1,582,000 | $ 143,818 | $ 50,000 |
| Asheville, NC | 10 | $ 1,723,000 | $ 172,300 | $ 45,000 |
| Atlantic City-Hammonton, NJ | 10 | $ 2,086,000 | $ 208,600 | $ 72,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 1,553,000 | $ 155,300 | $ 47,000 |
| Worcester, MA | 10 | $ 2,536,000 | $ 253,600 | $ 86,000 |
| Austin-Round Rock, TX | 9 | $ 1,632,000 | $ 181,333 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 9 | $ 1,449,000 | $ 161,000 | $ 21,000 |
| Harrisburg-Carlisle, PA | 9 | $ 1,764,000 | $ 196,000 | $ 74,000 |
| Ocean City, NJ | 9 | $ 2,433,000 | $ 270,333 | $ 75,000 |
| Macon, GA | 8 | $ 1,012,000 | $ 126,500 | $ 55,000 |
| Portland-Vancouver-Beaverton, OR-WA | 8 | $ 1,787,000 | $ 223,375 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,201,000 | $ 171,571 | $ 85,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,708,000 | $ 244,000 | $ 82,000 |
| Springfield, MA | 7 | $ 1,219,000 | $ 174,142 | $ 60,000 |
| Syracuse, NY | 7 | $ 973,000 | $ 139,000 | $ 69,000 |
| Vineland-Millville-Bridgeton, NJ | 7 | $ 1,082,000 | $ 154,571 | $ 66,000 |
| Barnstable Town, MA | 6 | $ 1,655,000 | $ 275,833 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,140,000 | $ 190,000 | $ 67,000 |
| Columbus, OH | 6 | $ 1,039,000 | $ 173,166 | $ 39,000 |
| Gainesville, GA | 6 | $ 914,000 | $ 152,333 | $ 40,000 |
| Kingston, NY | 6 | $ 1,407,000 | $ 234,500 | $ 68,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 1,792,000 | $ 298,666 | $ 112,000 |
| Naples-Marco Island, FL | 6 | $ 1,274,000 | $ 212,333 | $ 89,000 |
| Oklahoma City, OK | 6 | $ 819,000 | $ 136,500 | $ 9,000 |
| Portland-South Portland-Biddeford, ME | 6 | $ 1,795,000 | $ 299,166 | $ 99,000 |
| Akron, OH | 5 | $ 800,000 | $ 160,000 | $ 56,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 469,000 | $ 93,800 | $ 47,000 |
| Dover, DE | 5 | $ 1,132,000 | $ 226,400 | $ 77,000 |
| Durham-Chapel Hill, NC | 5 | $ 636,000 | $ 127,200 | $ 52,000 |
| Florence, SC | 5 | $ 676,000 | $ 135,200 | $ 35,000 |
| Jacksonville, FL | 5 | $ 737,000 | $ 147,400 | $ 55,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 960,000 | $ 192,000 | $ 50,000 |
| Lancaster, PA | 5 | $ 667,000 | $ 133,400 | $ 46,000 |
| Warner Robins, GA | 5 | $ 972,000 | $ 194,400 | $ 59,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 976,000 | $ 195,200 | $ 66,400 |
| Birmingham-Hoover, AL | 4 | $ 665,000 | $ 166,250 | $ 40,000 |
| Chattanooga, TN-GA | 4 | $ 674,000 | $ 168,500 | $ 68,500 |
| Columbia, SC | 4 | $ 605,000 | $ 151,250 | $ 11,000 |
| Montgomery, AL | 4 | $ 389,000 | $ 97,250 | $ 51,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 1,569,000 | $ 392,250 | $ 136,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 1,143,000 | $ 285,750 | $ 153,000 |
| St. Louis, MO-IL | 4 | $ 731,000 | $ 182,750 | $ 188,500 |
| Tulsa, OK | 4 | $ 696,000 | $ 174,000 | $ 42,000 |
| Wilmington, NC | 4 | $ 1,004,000 | $ 251,000 | $ 62,000 |
| Altoona, PA | 3 | $ 300,000 | $ 100,000 | $ 35,000 |
| Anchorage, AK | 3 | $ 704,000 | $ 234,666 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 442,000 | $ 147,333 | $ 45,000 |
| Binghamton, NY | 3 | $ 530,000 | $ 176,666 | $ 47,000 |
| Boulder, CO | 3 | $ 698,000 | $ 232,666 | $ 51,000 |
| Burlington, NC | 3 | $ 613,000 | $ 204,333 | $ 63,000 |
| Elkhart-Goshen, IN | 3 | $ 431,000 | $ 143,666 | $ 34,000 |
| Fort Worth-Arlington, TX | 3 | $ 528,000 | $ 176,000 | $ 0 |
| Glens Falls, NY | 3 | $ 686,000 | $ 228,666 | $ 105,000 |
| Grand Junction, CO | 3 | $ 807,000 | $ 269,000 | $ 91,000 |
| Greensboro-High Point, NC | 3 | $ 415,000 | $ 138,333 | $ 47,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 360,000 | $ 120,000 | $ 65,000 |
| Lebanon, PA | 3 | $ 640,000 | $ 213,333 | $ 59,000 |
| Memphis, TN-MS-AR | 3 | $ 440,000 | $ 146,666 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 515,000 | $ 171,666 | $ 52,000 |
| San Antonio, TX | 3 | $ 414,000 | $ 138,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 898,000 | $ 299,333 | $ 82,000 |
| Anderson, SC | 2 | $ 376,000 | $ 188,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 268,000 | $ 134,000 | $ 76,000 |
| Bangor, ME | 2 | $ 316,000 | $ 158,000 | $ 55,000 |
| Boise City-Nampa, ID | 2 | $ 349,000 | $ 174,500 | $ 43,000 |
| Bradenton-Sarasota-Venice, FL | 2 | $ 513,000 | $ 256,500 | $ 67,000 |
| Brunswick, GA | 2 | $ 245,000 | $ 122,500 | $ 40,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 467,000 | $ 233,500 | $ 41,000 |
| Coeur D'Alene, ID | 2 | $ 602,000 | $ 301,000 | $ 94,000 |
| Colorado Springs, CO | 2 | $ 275,000 | $ 137,500 | $ 84,000 |
| Dayton, OH | 2 | $ 225,000 | $ 112,500 | $ 59,000 |
| Fayetteville, NC | 2 | $ 343,000 | $ 171,500 | $ 54,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 239,000 | $ 119,500 | $ 44,000 |
| Fort Wayne, IN | 2 | $ 365,000 | $ 182,500 | $ 82,000 |
| Gainesville, FL | 2 | $ 459,000 | $ 229,500 | $ 34,000 |
| Greenville, NC | 2 | $ 612,000 | $ 306,000 | $ 80,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 272,000 | $ 136,000 | $ 44,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 656,000 | $ 328,000 | $ 56,000 |
| Huntsville, AL | 2 | $ 308,000 | $ 154,000 | $ 75,000 |
| Ithaca, NY | 2 | $ 466,000 | $ 233,000 | $ 91,000 |
| Knoxville, TN | 2 | $ 228,000 | $ 114,000 | $ 31,000 |
| Las Cruces, NM | 2 | $ 527,000 | $ 263,500 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 230,000 | $ 115,000 | $ 88,000 |
| Mobile, AL | 2 | $ 249,000 | $ 124,500 | $ 53,000 |
| Muncie, IN | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 318,000 | $ 159,000 | $ 82,000 |
| Ocala, FL | 2 | $ 198,000 | $ 99,000 | $ 91,000 |
| Pine Bluff, AR | 2 | $ 139,000 | $ 69,500 | $ 47,000 |
| Pittsfield, MA | 2 | $ 320,000 | $ 160,000 | $ 67,000 |
| Port St. Lucie, FL | 2 | $ 293,000 | $ 146,500 | $ 54,000 |
| Salisbury, MD | 2 | $ 353,000 | $ 176,500 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 543,000 | $ 271,500 | $ 77,000 |
| Sebastian-Vero Beach, FL | 2 | $ 382,000 | $ 191,000 | $ 56,000 |
| Spartanburg, SC | 2 | $ 262,000 | $ 131,000 | $ 50,000 |
| Tallahassee, FL | 2 | $ 320,000 | $ 160,000 | $ 53,000 |
| Terre Haute, IN | 2 | $ 307,000 | $ 153,500 | $ 25,000 |
| Utica-Rome, NY | 2 | $ 312,000 | $ 156,000 | $ 72,000 |
| Vallejo-Fairfield, CA | 2 | $ 461,000 | $ 230,500 | $ 71,000 |
| Winston-Salem, NC | 2 | $ 240,000 | $ 120,000 | $ 64,000 |
| York-Hanover, PA | 2 | $ 376,000 | $ 188,000 | $ 71,000 |
| Anderson, IN | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Bloomington, IN | 1 | $ 227,000 | $ 227,000 | $ 140,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Charleston, WV | 1 | $ 168,000 | $ 168,000 | $ 56,000 |
| Cheyenne, WY | 1 | $ 259,000 | $ 259,000 | $ 56,000 |
| Columbia, MO | 1 | $ 81,000 | $ 81,000 | $ 28,000 |
| Columbus, GA-AL | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Farmington, NM | 1 | $ 229,000 | $ 229,000 | $ 241,000 |
| Goldsboro, NC | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Greeley, CO | 1 | $ 214,000 | $ 214,000 | $ 51,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 151,000 | $ 151,000 | $ 73,000 |
| Honolulu, HI | 1 | $ 234,000 | $ 234,000 | $ 52,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 352,000 | $ 352,000 | $ 92,000 |
| Jackson, TN | 1 | $ 134,000 | $ 134,000 | $ 66,000 |
| Johnstown, PA | 1 | $ 219,000 | $ 219,000 | $ 68,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Lafayette, IN | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 181,000 | $ 181,000 | $ 79,000 |
| Lansing-East Lansing, MI | 1 | $ 83,000 | $ 83,000 | $ 89,000 |
| Lewiston, ID-WA | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 164,000 | $ 164,000 | $ 54,000 |
| Michigan City-La Porte, IN | 1 | $ 148,000 | $ 148,000 | $ 90,000 |
| Missoula, MT | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 161,000 | $ 161,000 | $ 48,000 |
| Palm Coast, FL | 1 | $ 204,000 | $ 204,000 | $ 62,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Pocatello, ID | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Punta Gorda, FL | 1 | $ 137,000 | $ 137,000 | $ 107,000 |
| Rapid City, SD | 1 | $ 365,000 | $ 365,000 | $ 121,000 |
| Rochester, MN | 1 | $ 221,000 | $ 221,000 | $ 82,000 |
| Rocky Mount, NC | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 229,000 | $ 229,000 | $ 114,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Salinas, CA | 1 | $ 188,000 | $ 188,000 | $ 75,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 417,000 | $ 417,000 | $ 144,000 |
| Sandusky, OH | 1 | $ 159,000 | $ 159,000 | $ 51,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 611,000 | $ 611,000 | $ 232,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 270,000 | $ 270,000 | $ 88,000 |
| Savannah, GA | 1 | $ 124,000 | $ 124,000 | $ 141,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Spokane, WA | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Springfield, MO | 1 | $ 172,000 | $ 172,000 | $ 60,000 |
| Springfield, OH | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Stockton, CA | 1 | $ 131,000 | $ 131,000 | $ 25,000 |
| Sumter, SC | 1 | $ 132,000 | $ 132,000 | $ 40,000 |
| Toledo, OH | 1 | $ 103,000 | $ 103,000 | $ 49,000 |
| Tuscaloosa, AL | 1 | $ 189,000 | $ 189,000 | $ 45,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 108,000 | $ 108,000 | $ 68,000 |
| Wichita, KS | 1 | $ 140,000 | $ 140,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2009
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 | 2,366 | $604,188,000 | $255,000 | $999,000 | $81,000 | $1,067,000 |
| Home Purchase | 800 | $193,871,000 | $242,000 | $733,000 | $83,000 | $811,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,848 | $453,879,000 | $245,000 | $750,000 | $83,000 | $1,067,000 |
| Black or African American | 472 | $128,061,000 | $271,000 | $999,000 | $76,000 | $270,000 |
| Not Provided | 445 | $115,720,000 | $260,000 | $739,000 | $85,000 | $335,000 |
| Hispanic | 314 | $76,976,000 | $245,000 | $649,000 | $73,000 | $233,000 |
| Asian | 56 | $15,165,000 | $270,000 | $719,000 | $95,000 | $481,000 |
| American Indian or Alaskan Native | 17 | $5,220,000 | $307,000 | $535,000 | $85,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,038,000 | $217,000 | $478,000 | $76,000 | $221,000 |
| 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) | 2,328 | $595,521,000 | $255,000 | $999,000 | $78,000 | $656,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 838 | $202,538,000 | $241,000 | $750,000 | $92,000 | $1,067,000 |
| 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 | 2,055 | $501,906,000 | $244,000 | $999,000 | $80,000 | $1,067,000 |
| Application Approved But Not Accepted | 587 | $154,566,000 | $263,000 | $704,000 | $87,000 | $382,000 |
| Application Denied By Financial Institution | 416 | $114,268,000 | $274,000 | $712,000 | $83,000 | $491,000 |
| Application Withdrawn By Applicant | 72 | $17,017,000 | $236,000 | $750,000 | $70,000 | $811,000 |
| File Closed For Incompleteness | 36 | $10,302,000 | $286,000 | $653,000 | $90,000 | $217,000 |
| 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 | 133 | $37,641,000 | $283,000 | $649,000 | $79,000 | $221,000 |
| Credit History | 53 | $11,815,000 | $222,000 | $435,000 | $70,000 | $178,000 |
| Collateral | 51 | $13,196,000 | $258,000 | $595,000 | $91,000 | $491,000 |
| Unverifiable Information | 28 | $7,683,000 | $274,000 | $594,000 | $95,000 | $191,000 |
| Other | 26 | $8,053,000 | $309,000 | $712,000 | $105,000 | $308,000 |
| Employment History | 11 | $3,189,000 | $289,000 | $565,000 | $99,000 | $216,000 |
| Mortgage Insurance Denied | 6 | $1,425,000 | $237,000 | $332,000 | $75,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $760,000 | $380,000 | $417,000 | $110,000 | $118,000 |
| Credit Application Incomplete | 2 | $569,000 | $284,000 | $353,000 | $198,000 | $292,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2009 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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