Franklin First Financial, Ltd
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Franklin First Financial, Ltd 2012 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 | 2,746 |
| Total Mortgage Loan Application Amount | $815,486,000 |
| Average Mortgage Loan Application Amount | $288,333 |
| Highest Mortgage Loan Application Amount | $1,140,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $856,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,061 | $ 357,476,000 | $ 331,000 | $ 98,000 |
| NASSAU-SUFFOLK, NY | 579 | $ 172,783,000 | $ 298,000 | $ 97,000 |
| NEWARK-UNION, NJ-PA | 122 | $ 34,224,000 | $ 283,000 | $ 92,000 |
| EDISON-NEW BRUNSWICK, NJ | 116 | $ 34,019,000 | $ 293,000 | $ 100,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 72 | $ 19,615,000 | $ 272,000 | $ 70,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 51 | $ 12,707,000 | $ 249,000 | $ 103,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 49 | $ 15,512,000 | $ 316,000 | $ 108,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 46 | $ 11,198,000 | $ 243,000 | $ 78,000 |
| PHILADELPHIA, PA | 44 | $ 11,050,000 | $ 251,000 | $ 64,000 |
| PEABODY, MA | 34 | $ 10,019,000 | $ 294,000 | $ 94,000 |
| CAMDEN, NJ | 29 | $ 6,554,000 | $ 226,000 | $ 73,000 |
| BOSTON-QUINCY, MA | 28 | $ 7,587,000 | $ 270,000 | $ 105,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 25 | $ 4,766,000 | $ 190,000 | $ 82,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 23 | $ 3,820,000 | $ 166,000 | $ 18,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 22 | $ 7,374,000 | $ 335,000 | $ 116,000 |
| BALTIMORE-TOWSON, MD | 19 | $ 4,958,000 | $ 260,000 | $ 84,000 |
| ALBANY-SCHENECTADY-TROY, NY | 15 | $ 3,149,000 | $ 209,000 | $ 79,000 |
| NEW HAVEN-MILFORD, CT | 14 | $ 2,805,000 | $ 200,000 | $ 64,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 14 | $ 4,815,000 | $ 329,000 | $ 47,500 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 13 | $ 3,692,000 | $ 284,000 | $ 112,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 10 | $ 2,855,000 | $ 286,500 | $ 119,500 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 10 | $ 2,527,000 | $ 252,000 | $ 69,000 |
| KINGSTON, NY | 10 | $ 1,981,000 | $ 198,000 | $ 97,000 |
| TRENTON-EWING, NJ | 9 | $ 2,509,000 | $ 278,000 | $ 74,000 |
| BETHESDA-ROCKVILLE-FREDERICK, MD | 8 | $ 3,840,000 | $ 480,000 | $ 122,000 |
| CHICAGO-JOLIET-NAPERVILLE, IL | 7 | $ 1,202,000 | $ 171,000 | $ 74,000 |
| BARNSTABLE TOWN, MA | 6 | $ 2,079,000 | $ 346,000 | $ 124,000 |
| BUFFALO-NIAGARA FALLS, NY | 6 | $ 1,036,000 | $ 172,000 | $ 89,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 6 | $ 1,324,000 | $ 220,000 | $ 83,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 5 | $ 989,000 | $ 197,000 | $ 11,000 |
| DALLAS-PLANO-IRVING, TX | 5 | $ 448,000 | $ 89,000 | $ 51,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 5 | $ 1,289,000 | $ 257,000 | $ 132,000 |
| READING, PA | 5 | $ 1,153,000 | $ 230,000 | $ 64,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 5 | $ 1,126,000 | $ 225,000 | $ 97,000 |
| ROCHESTER, NY | 5 | $ 797,000 | $ 159,000 | $ 62,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 5 | $ 1,500,000 | $ 300,000 | $ 77,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 5 | $ 1,108,000 | $ 221,000 | $ 122,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 4 | $ 800,000 | $ 200,000 | $ 93,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 4 | $ 845,000 | $ 208,500 | $ 25,000 |
| DENVER-AURORA-BROOMFIELD, CO | 4 | $ 820,000 | $ 205,000 | $ 70,000 |
| JACKSONVILLE, FL | 4 | $ 630,000 | $ 157,000 | $ 23,000 |
| NORTH PORT-BRADENTON-SARASOTA, FL | 4 | $ 922,000 | $ 230,000 | $ 105,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 4 | $ 1,385,000 | $ 346,000 | $ 48,000 |
| WILMINGTON, DE-MD-NJ | 4 | $ 1,146,000 | $ 286,000 | $ 15,000 |
| COLUMBIA, SC | 3 | $ 478,000 | $ 159,000 | $ 14,000 |
| EL PASO, TX | 3 | $ 475,000 | $ 158,000 | $ 53,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 587,000 | $ 195,000 | $ 57,000 |
| GLENS FALLS, NY | 3 | $ 655,000 | $ 218,000 | $ 104,000 |
| PALM COAST, FL | 3 | $ 436,000 | $ 145,000 | $ 34,000 |
| PORT ST. LUCIE, FL | 3 | $ 477,000 | $ 159,000 | $ 82,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 3 | $ 846,000 | $ 282,000 | $ 94,000 |
| SEBASTIAN-VERO BEACH, FL | 3 | $ 312,000 | $ 104,000 | $ 12,000 |
| SYRACUSE, NY | 3 | $ 442,000 | $ 147,000 | $ 81,000 |
| WORCESTER, MA | 3 | $ 1,538,000 | $ 512,000 | $ 191,000 |
| ATHENS-CLARKE COUNTY, GA | 2 | $ 296,000 | $ 148,000 | $ 0 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 380,000 | $ 190,000 | $ 0 |
| CAPE CORAL-FORT MYERS, FL | 2 | $ 293,000 | $ 146,000 | $ 109,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 2 | $ 438,000 | $ 219,000 | $ 157,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 2 | $ 401,000 | $ 200,000 | $ 88,000 |
| COLUMBUS, GA-AL | 2 | $ 283,000 | $ 141,000 | $ 0 |
| GREENSBORO-HIGH POINT, NC | 2 | $ 284,000 | $ 142,000 | $ 14,000 |
| HARRISBURG-CARLISLE, PA | 2 | $ 499,000 | $ 249,000 | $ 38,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 2 | $ 341,000 | $ 170,000 | $ 156,000 |
| ITHACA, NY | 2 | $ 415,000 | $ 207,000 | $ 215,000 |
| KNOXVILLE, TN | 2 | $ 538,000 | $ 269,000 | $ 127,000 |
| LANCASTER, PA | 2 | $ 447,000 | $ 223,000 | $ 55,000 |
| MANCHESTER-NASHUA, NH | 2 | $ 631,000 | $ 315,000 | $ 63,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 499,000 | $ 249,000 | $ 126,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 2 | $ 339,000 | $ 169,000 | $ 0 |
| PITTSBURGH, PA | 2 | $ 327,000 | $ 163,000 | $ 83,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 2 | $ 534,000 | $ 267,000 | $ 31,000 |
| RALEIGH-CARY, NC | 2 | $ 443,000 | $ 221,000 | $ 0 |
| SCRANTON--WILKES-BARRE, PA | 2 | $ 528,000 | $ 264,000 | $ 16,000 |
| ALBANY, GA | 1 | $ 108,000 | $ 108,000 | $ 0 |
| AUSTIN-ROUND ROCK-SAN MARCOS, TX | 1 | $ 342,000 | $ 342,000 | $ 207,000 |
| BANGOR, ME | 1 | $ 101,000 | $ 101,000 | $ 18,000 |
| BINGHAMTON, NY | 1 | $ 200,000 | $ 200,000 | $ 84,000 |
| CLARKSVILLE, TN-KY | 1 | $ 194,000 | $ 194,000 | $ 0 |
| COLUMBUS, OH | 1 | $ 207,000 | $ 207,000 | $ 127,000 |
| CUMBERLAND, MD-WV | 1 | $ 276,000 | $ 276,000 | $ 72,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| ELMIRA, NY | 1 | $ 244,000 | $ 244,000 | $ 88,000 |
| GREENVILLE, NC | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| INDIANAPOLIS-CARMEL, IN | 1 | $ 312,000 | $ 312,000 | $ 48,000 |
| JACKSON, TN | 1 | $ 163,000 | $ 163,000 | $ 114,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 164,000 | $ 164,000 | $ 0 |
| LANSING-EAST LANSING, MI | 1 | $ 130,000 | $ 130,000 | $ 394,000 |
| MORRISTOWN, TN | 1 | $ 502,000 | $ 502,000 | $ 173,000 |
| NAPLES-MARCO ISLAND, FL | 1 | $ 81,000 | $ 81,000 | $ 124,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1 | $ 213,000 | $ 213,000 | $ 39,000 |
| NORWICH-NEW LONDON, CT | 1 | $ 250,000 | $ 250,000 | $ 103,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 1 | $ 180,000 | $ 180,000 | $ 130,000 |
| OKLAHOMA CITY, OK | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 1 | $ 316,000 | $ 316,000 | $ 0 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 207,000 | $ 207,000 | $ 0 |
| PANAMA CITY-LYNN HAVEN-PANAMA CITY BEACH, FL | 1 | $ 163,000 | $ 163,000 | $ 67,000 |
| PARKERSBURG-MARIETTA-VIENNA, WV-OH | 1 | $ 114,000 | $ 114,000 | $ 0 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 144,000 | $ 144,000 | $ 0 |
| PITTSFIELD, MA | 1 | $ 90,000 | $ 90,000 | $ 175,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 332,000 | $ 332,000 | $ 91,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 1 | $ 470,000 | $ 470,000 | $ 120,000 |
| SANTA FE, NM | 1 | $ 228,000 | $ 228,000 | $ 110,000 |
| SANTA ROSA-PETALUMA, CA | 1 | $ 319,000 | $ 319,000 | $ 70,000 |
| SAVANNAH, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| SPRINGFIELD, MA | 1 | $ 212,000 | $ 212,000 | $ 217,000 |
| ST. LOUIS, MO-IL | 1 | $ 182,000 | $ 182,000 | $ 0 |
| UTICA-ROME, NY | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 1 | $ 186,000 | $ 186,000 | $ 62,000 |
| WILLIAMSPORT, PA | 1 | $ 261,000 | $ 261,000 | $ 73,000 |
| YORK-HANOVER, PA | 1 | $ 290,000 | $ 290,000 | $ 65,000 |
| YUBA CITY, CA | 1 | $ 223,000 | $ 223,000 | $ 0 |
Mortgage Loan Application Detail Totals for Franklin First Financial, Ltd in 2012
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 | 1,914 | $563,298,000 | $294,000 | $1,140,000 | $88,000 | $856,000 |
| Home Purchase | 821 | $249,230,000 | $303,000 | $1,010,000 | $99,000 | $635,000 |
| Home Improvement | 11 | $2,958,000 | $268,000 | $490,000 | $86,000 | $152,000 |
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 | 1,432 | $429,959,000 | $300,000 | $1,109,000 | $100,000 | $635,000 |
| Not Provided | 457 | $131,290,000 | $287,000 | $908,000 | $87,000 | $856,000 |
| Black or African American | 446 | $134,552,000 | $301,000 | $1,140,000 | $78,000 | $628,000 |
| Hispanic | 269 | $75,177,000 | $279,000 | $968,000 | $76,000 | $260,000 |
| Asian | 122 | $38,542,000 | $315,000 | $737,000 | $94,000 | $365,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,774,000 | $290,000 | $379,000 | $87,000 | $362,000 |
| American Indian or Alaskan Native | 7 | $2,192,000 | $313,000 | $417,000 | $84,000 | $134,000 |
| 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) | 1,413 | $410,414,000 | $290,000 | $1,140,000 | $108,000 | $856,000 |
| FHA-insured (Federal Housing Administration) | 1,313 | $399,540,000 | $304,000 | $1,010,000 | $74,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,532,000 | $276,000 | $488,000 | $77,000 | $168,000 |
| 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 | 1,558 | $463,940,000 | $297,000 | $1,010,000 | $91,000 | $628,000 |
| Application Denied By Financial Institution | 412 | $122,847,000 | $298,000 | $1,140,000 | $85,000 | $448,000 |
| File Closed For Incompleteness | 404 | $116,618,000 | $288,000 | $1,109,000 | $96,000 | $856,000 |
| Application Approved But Not Accepted | 279 | $84,916,000 | $304,000 | $945,000 | $98,000 | $635,000 |
| Application Withdrawn By Applicant | 93 | $27,165,000 | $292,000 | $548,000 | $92,000 | $304,000 |
| 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 | 156 | $49,041,000 | $314,000 | $1,140,000 | $78,000 | $365,000 |
| Collateral | 73 | $20,159,000 | $276,000 | $968,000 | $105,000 | $448,000 |
| Credit History | 67 | $18,021,000 | $268,000 | $724,000 | $85,000 | $312,000 |
| Other | 42 | $12,789,000 | $304,000 | $629,000 | $75,000 | $188,000 |
| Employment History | 16 | $5,283,000 | $330,000 | $1,075,000 | $84,000 | $215,000 |
| Unverifiable Information | 15 | $4,804,000 | $320,000 | $657,000 | $86,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $4,022,000 | $309,000 | $540,000 | $90,000 | $194,000 |
| Mortgage Insurance Denied | 2 | $481,000 | $240,000 | $322,000 | $46,000 | $93,000 |
| Credit Application Incomplete | 1 | $390,000 | $390,000 | $390,000 | $100,000 | $100,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin First Financial, Ltd's 2012 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.