Franklin Loan Corporation Mortgage Lending & HMDA Data, 2022
In 2022, Franklin Loan Corporation of Palm Desert, CA reported 2,195 mortgage applications totaling $1.1 billion, down 59% from 2021. The average application was for $492,740, and applicants reported an average income of $189,656. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,300), Los Angeles-Long Beach-Glendale, CA (145) and Anaheim-Santa Ana-Irvine, CA (133) (applications in parentheses).
| Mortgage Company & Address | Franklin Loan Corporation 44800 Village Court Palm Desert, CA 92260 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,195 |
| Total Mortgage Loan Application Amount | $1,081,565,000 |
| Average Mortgage Loan Application Amount | $492,740 |
| Highest Mortgage Loan Application Amount | $5,125,000 |
| Average Applicant Income | $189,656 |
| Highest Applicant Income | $8,609,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Franklin Loan Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside, California | 1,016 | $ 459,860,000 | $ 452,618 | $ 189,000 |
| San Bernardino, California | 284 | $ 99,150,000 | $ 349,119 | $ 130,000 |
| Los Angeles, California | 145 | $ 85,565,000 | $ 590,103 | $ 194,000 |
| Orange, California | 133 | $ 113,115,000 | $ 850,488 | $ 334,000 |
| San Diego, California | 101 | $ 71,945,000 | $ 712,326 | $ 214,000 |
| Maricopa, Arizona | 53 | $ 21,675,000 | $ 408,962 | $ 140,000 |
| Clark, Nevada | 27 | $ 12,675,000 | $ 469,444 | $ 227,000 |
| Larimer, Colorado | 22 | $ 7,750,000 | $ 352,272 | $ 105,000 |
| Contra Costa, California | 16 | $ 11,070,000 | $ 691,875 | $ 215,000 |
| Sacramento, California | 16 | $ 7,110,000 | $ 444,375 | $ 189,000 |
| Williamson, Tennessee | 14 | $ 11,570,000 | $ 826,428 | $ 170,000 |
| Pinal, Arizona | 12 | $ 3,730,000 | $ 310,833 | $ 73,000 |
| Rutherford, Tennessee | 11 | $ 4,105,000 | $ 373,181 | $ 176,000 |
| Alameda, California | 10 | $ 8,420,000 | $ 842,000 | $ 269,000 |
| Fresno, California | 10 | $ 3,560,000 | $ 356,000 | $ 153,000 |
| Santa Clara, California | 9 | $ 7,815,000 | $ 868,333 | $ 242,000 |
| King, Washington | 9 | $ 5,105,000 | $ 567,222 | $ 156,000 |
| Ventura, California | 8 | $ 4,370,000 | $ 546,250 | $ 159,000 |
| Snohomish, Washington | 8 | $ 3,210,000 | $ 401,250 | $ 192,000 |
| Lake, California | 7 | $ 1,725,000 | $ 246,428 | $ 111,000 |
| El Paso, Colorado | 7 | $ 3,635,000 | $ 519,285 | $ 146,000 |
| Mohave, Arizona | 6 | $ 2,650,000 | $ 441,666 | $ 192,000 |
| Pima, Arizona | 6 | $ 2,700,000 | $ 450,000 | $ 149,000 |
| San Joaquin, California | 6 | $ 1,810,000 | $ 301,666 | $ 73,000 |
| Jefferson, Colorado | 6 | $ 3,850,000 | $ 641,666 | $ 131,000 |
| Pierce, Washington | 6 | $ 2,770,000 | $ 461,666 | $ 189,000 |
| Kern, California | 5 | $ 1,515,000 | $ 303,000 | $ 76,000 |
| Sonoma, California | 5 | $ 3,115,000 | $ 623,000 | $ 153,000 |
| Douglas, Colorado | 5 | $ 3,595,000 | $ 719,000 | $ 431,000 |
| Weld, Colorado | 5 | $ 2,125,000 | $ 425,000 | $ 116,000 |
| Maui, Hawaii | 5 | $ 5,235,000 | $ 1,047,000 | $ 575,000 |
| Washoe, Nevada | 5 | $ 2,485,000 | $ 497,000 | $ 119,000 |
| Collin, Texas | 5 | $ 2,775,000 | $ 555,000 | $ 211,000 |
| Spokane, Washington | 5 | $ 1,815,000 | $ 363,000 | $ 135,000 |
| Yavapai, Arizona | 4 | $ 1,550,000 | $ 387,500 | $ 183,000 |
| Imperial, California | 4 | $ 550,000 | $ 137,500 | $ 85,000 |
| San Francisco, California | 4 | $ 3,790,000 | $ 947,500 | $ 326,000 |
| Santa Barbara, California | 4 | $ 1,390,000 | $ 347,500 | $ 191,000 |
| Solano, California | 4 | $ 1,740,000 | $ 435,000 | $ 158,000 |
| Denver, Colorado | 4 | $ 3,470,000 | $ 867,500 | $ 197,000 |
| Lee, Florida | 4 | $ 3,480,000 | $ 870,000 | $ 373,000 |
| Multnomah, Oregon | 4 | $ 1,380,000 | $ 345,000 | $ 123,000 |
| Davidson, Tennessee | 4 | $ 1,250,000 | $ 312,500 | $ 84,000 |
| Bexar, Texas | 4 | $ 1,310,000 | $ 327,500 | $ 103,000 |
| Dallas, Texas | 4 | $ 1,700,000 | $ 425,000 | $ 404,000 |
| Harris, Texas | 4 | $ 3,380,000 | $ 845,000 | $ 404,000 |
| Montgomery, Texas | 4 | $ 2,260,000 | $ 565,000 | $ 684,000 |
| Tarrant, Texas | 4 | $ 1,330,000 | $ 332,500 | $ 145,000 |
| Madera, California | 3 | $ 1,455,000 | $ 485,000 | $ 185,000 |
| Merced, California | 3 | $ 955,000 | $ 318,333 | $ 98,000 |
| Napa, California | 3 | $ 2,145,000 | $ 715,000 | $ 265,000 |
| Nevada, California | 3 | $ 1,445,000 | $ 481,666 | $ 96,000 |
| San Mateo, California | 3 | $ 2,125,000 | $ 708,333 | $ 207,000 |
| Tulare, California | 3 | $ 1,015,000 | $ 338,333 | $ 81,000 |
| Yolo, California | 3 | $ 1,505,000 | $ 501,666 | $ 259,000 |
| Arapahoe, Colorado | 3 | $ 1,065,000 | $ 355,000 | $ 125,000 |
| Marion, Oregon | 3 | $ 1,035,000 | $ 345,000 | $ 130,000 |
| Washington, Oregon | 3 | $ 1,425,000 | $ 475,000 | $ 137,000 |
| Monterey, California | 2 | $ 910,000 | $ 455,000 | $ 156,000 |
| Placer, California | 2 | $ 1,050,000 | $ 525,000 | $ 130,000 |
| San Luis Obispo, California | 2 | $ 1,340,000 | $ 670,000 | $ 750,000 |
| Santa Cruz, California | 2 | $ 1,830,000 | $ 915,000 | $ 344,000 |
| Stanislaus, California | 2 | $ 580,000 | $ 290,000 | $ 129,000 |
| Adams, Colorado | 2 | $ 790,000 | $ 395,000 | $ 149,000 |
| Eagle, Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 96,000 |
| Broward, Florida | 2 | $ 410,000 | $ 205,000 | $ 185,000 |
| Coweta, Georgia | 2 | $ 660,000 | $ 330,000 | $ 114,000 |
| Gwinnett, Georgia | 2 | $ 850,000 | $ 425,000 | $ 139,000 |
| Hawaii, Hawaii | 2 | $ 4,130,000 | $ 2,065,000 | $ 916,000 |
| Ada, Idaho | 2 | $ 720,000 | $ 360,000 | $ 94,000 |
| Kootenai, Idaho | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| Carson City, Nevada | 2 | $ 580,000 | $ 290,000 | $ 87,000 |
| Douglas, Nevada | 2 | $ 1,110,000 | $ 555,000 | $ 262,000 |
| Clackamas, Oregon | 2 | $ 450,000 | $ 225,000 | $ 176,000 |
| Lane, Oregon | 2 | $ 960,000 | $ 480,000 | $ 123,000 |
| Hamilton, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 78,000 |
| Shelby, Tennessee | 2 | $ 720,000 | $ 360,000 | $ 142,000 |
| Sumner, Tennessee | 2 | $ 1,780,000 | $ 890,000 | $ 242,000 |
| Comal, Texas | 2 | $ 980,000 | $ 490,000 | $ 164,000 |
| Denton, Texas | 2 | $ 580,000 | $ 290,000 | $ 134,000 |
| McLennan, Texas | 2 | $ 710,000 | $ 355,000 | $ 119,000 |
| Parker, Texas | 2 | $ 1,480,000 | $ 740,000 | $ 282,000 |
| Travis, Texas | 2 | $ 1,260,000 | $ 630,000 | $ 232,000 |
| Apache, Arizona | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Cochise, Arizona | 1 | $ 395,000 | $ 395,000 | $ 93,000 |
| Gila, Arizona | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Navajo, Arizona | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| Yuma, Arizona | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Amador, California | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Humboldt, California | 1 | $ 505,000 | $ 505,000 | $ 127,000 |
| Kings, California | 1 | $ 605,000 | $ 605,000 | $ 150,000 |
| Marin, California | 1 | $ 715,000 | $ 715,000 | $ 160,000 |
| Mono, California | 1 | $ 485,000 | $ 485,000 | $ 1,077,000 |
| San Benito, California | 1 | $ 885,000 | $ 885,000 | $ 309,000 |
| Siskiyou, California | 1 | $ 275,000 | $ 275,000 | $ 52,000 |
| Sutter, California | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Yuba, California | 1 | $ 615,000 | $ 615,000 | $ 100,000 |
| Boulder, Colorado | 1 | $ 345,000 | $ 345,000 | $ 123,000 |
| Broomfield, Colorado | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Mesa, Colorado | 1 | $ 325,000 | $ 325,000 | $ 55,000 |
| Ouray, Colorado | 1 | $ 725,000 | $ 725,000 | $ 157,000 |
| Park, Colorado | 1 | $ 205,000 | $ 205,000 | $ 117,000 |
| Brevard, Florida | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Clay, Florida | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Manatee, Florida | 1 | $ 415,000 | $ 415,000 | $ 127,000 |
| Miami-Dade, Florida | 1 | $ 885,000 | $ 885,000 | $ 392,000 |
| Osceola, Florida | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Polk, Florida | 1 | $ 625,000 | $ 625,000 | $ 125,000 |
| Santa Rosa, Florida | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Sarasota, Florida | 1 | $ 425,000 | $ 425,000 | $ 152,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Barrow, Georgia | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Cherokee, Georgia | 1 | $ 435,000 | $ 435,000 | $ 100,000 |
| Forsyth, Georgia | 1 | $ 415,000 | $ 415,000 | $ 101,000 |
| Fulton, Georgia | 1 | $ 695,000 | $ 695,000 | $ 252,000 |
| Hall, Georgia | 1 | $ 425,000 | $ 425,000 | $ 80,000 |
| Bannock, Idaho | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Canyon, Idaho | 1 | $ 305,000 | $ 305,000 | $ 68,000 |
| Cassia, Idaho | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Baltimore, Maryland | 1 | $ 465,000 | $ 465,000 | $ 140,000 |
| Baltimore City, Maryland | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Cecil, Maryland | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Storey, Nevada | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Sandoval, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 34,000 |
| Benton, Oregon | 1 | $ 605,000 | $ 605,000 | $ 320,000 |
| Columbia, Oregon | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Deschutes, Oregon | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Josephine, Oregon | 1 | $ 385,000 | $ 385,000 | $ 121,000 |
| Linn, Oregon | 1 | $ 395,000 | $ 395,000 | $ 110,000 |
| Polk, Oregon | 1 | $ 315,000 | $ 315,000 | $ 67,000 |
| Yamhill, Oregon | 1 | $ 615,000 | $ 615,000 | $ 276,000 |
| Montgomery, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Schuylkill, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 104,000 |
| Anderson, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Bedford, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 196,000 |
| Cumberland, Tennessee | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Dickson, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 76,000 |
| Grundy, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Jefferson, Tennessee | 1 | $ 965,000 | $ 965,000 | $ 664,000 |
| Knox, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 161,000 |
| Maury, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| Bastrop, Texas | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Briscoe, Texas | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Fort Bend, Texas | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Hays, Texas | 1 | $ 705,000 | $ 705,000 | $ 232,000 |
| Lubbock, Texas | 1 | $ 755,000 | $ 755,000 | $ 600,000 |
| Benton, Washington | 1 | $ 345,000 | $ 345,000 | $ 74,000 |
| Cowlitz, Washington | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Grays Harbor, Washington | 1 | $ 405,000 | $ 405,000 | $ 108,000 |
| Island, Washington | 1 | $ 715,000 | $ 715,000 | $ 344,000 |
| Jefferson, Washington | 1 | $ 895,000 | $ 895,000 | $ 308,000 |
| Kitsap, Washington | 1 | $ 395,000 | $ 395,000 | $ 84,000 |
| Mason, Washington | 1 | $ 555,000 | $ 555,000 | $ 175,000 |
| Skagit, Washington | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Franklin Loan Corporation in 2022
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 | 1,562 | $803,930,000 | $514,000 | $5,125,000 | $205,000 | $8,609,000 |
| Cash-out Refinancing | 533 | $225,975,000 | $423,000 | $5,105,000 | $142,000 | $3,420,000 |
| Refinancing | 100 | $51,660,000 | $516,000 | $1,565,000 | $204,000 | $1,779,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,185 | $616,545,000 | $520,000 | $5,125,000 | $207,000 | $8,609,000 |
| Hispanic | 489 | $196,925,000 | $402,000 | $1,555,000 | $132,000 | $1,963,000 |
| Not Provided | 267 | $133,795,000 | $501,000 | $2,905,000 | $206,000 | $1,779,000 |
| Asian | 125 | $80,605,000 | $644,000 | $2,595,000 | $260,000 | $3,487,000 |
| Black or African American | 115 | $46,535,000 | $404,000 | $1,275,000 | $144,000 | $942,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,340,000 | $417,000 | $645,000 | $114,000 | $183,000 |
| American Indian or Alaskan Native | 6 | $3,820,000 | $636,000 | $1,135,000 | $184,000 | $345,000 |
| 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) | 1,694 | $859,830,000 | $507,000 | $5,125,000 | $211,000 | $8,609,000 |
| FHA-insured (Federal Housing Administration) | 381 | $158,635,000 | $416,000 | $985,000 | $116,000 | $942,000 |
| VA-guaranteed (Veterans Administration) | 120 | $63,100,000 | $525,000 | $2,005,000 | $120,000 | $382,000 |
| 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 | 1,716 | $824,980,000 | $480,000 | $5,105,000 | $186,000 | $3,487,000 |
| Application Withdrawn By Applicant | 444 | $241,690,000 | $544,000 | $5,125,000 | $208,000 | $8,609,000 |
| Application Denied By Financial Institution | 35 | $14,895,000 | $425,000 | $1,205,000 | $123,000 | $338,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,160 | $1,066,670,000 | $493,000 | $5,125,000 | $191,000 | $8,609,000 |
| Other | 9 | $4,095,000 | $455,000 | $755,000 | $107,000 | $194,000 |
| Collateral | 7 | $3,135,000 | $447,000 | $855,000 | $191,000 | $338,000 |
| Credit History | 7 | $2,035,000 | $290,000 | $505,000 | $103,000 | $255,000 |
| Debt-To-Income Ratio | 6 | $2,310,000 | $385,000 | $455,000 | $74,000 | $89,000 |
| Credit Application Incomplete | 3 | $1,005,000 | $335,000 | $685,000 | $127,000 | $210,000 |
| Employment History | 2 | $2,010,000 | $1,005,000 | $1,205,000 | $201,000 | $268,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Loan Corporation's 2022 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 Loan Corporation'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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