Franklin Loan Corporation Mortgage Lending & HMDA Data, 2025
In 2025, Franklin Loan Corporation of Palm Desert, CA reported 2,615 mortgage applications totaling $1.2 billion, up 24% from 2024. The average application was for $466,101, and applicants reported an average income of $221,505. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,101), Los Angeles-Long Beach-Glendale, CA (155) and Anaheim-Santa Ana-Irvine, CA (150) (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 | 2,615 |
| Total Mortgage Loan Application Amount | $1,218,855,000 |
| Average Mortgage Loan Application Amount | $466,101 |
| Highest Mortgage Loan Application Amount | $3,505,000 |
| Average Applicant Income | $221,505 |
| Highest Applicant Income | $8,100,000 |
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records Franklin Loan Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 1,101 | $ 453,025,000 | $ 411,466 | $ 214,000 |
| Outside any metro area | 167 | $ 48,975,000 | $ 293,263 | $ 124,403 |
| Los Angeles-Long Beach-Glendale, CA | 155 | $ 98,925,000 | $ 638,225 | $ 236,000 |
| Anaheim-Santa Ana-Irvine, CA | 150 | $ 122,620,000 | $ 817,466 | $ 464,000 |
| Salinas, CA | 132 | $ 60,670,000 | $ 459,621 | $ 173,000 |
| San Diego-Carlsbad, CA | 125 | $ 99,355,000 | $ 794,840 | $ 443,000 |
| Modesto, CA | 50 | $ 19,110,000 | $ 382,200 | $ 182,000 |
| Phoenix-Mesa-Scottsdale, AZ | 50 | $ 17,540,000 | $ 350,800 | $ 138,000 |
| Las Vegas-Henderson-Paradise, NV | 46 | $ 19,140,000 | $ 416,086 | $ 181,000 |
| Oakland-Hayward-Berkeley, CA | 41 | $ 20,925,000 | $ 510,365 | $ 222,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 29 | $ 23,995,000 | $ 827,413 | $ 278,000 |
| Bakersfield, CA | 26 | $ 6,610,000 | $ 254,230 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 23 | $ 10,155,000 | $ 441,521 | $ 121,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 23 | $ 10,585,000 | $ 460,217 | $ 328,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 23 | $ 11,155,000 | $ 485,000 | $ 221,000 |
| Salt Lake City, UT | 21 | $ 9,305,000 | $ 443,095 | $ 156,000 |
| Atlanta-Sandy Springs-Roswell, GA | 19 | $ 7,545,000 | $ 397,105 | $ 153,000 |
| Denver-Aurora-Lakewood, CO | 19 | $ 9,925,000 | $ 522,368 | $ 165,000 |
| Santa Cruz-Watsonville, CA | 19 | $ 14,035,000 | $ 738,684 | $ 237,000 |
| Charlotte-Concord-Gastonia, NC-SC | 14 | $ 5,120,000 | $ 365,714 | $ 124,000 |
| Ogden-Clearfield, UT | 14 | $ 5,440,000 | $ 388,571 | $ 116,000 |
| Santa Rosa, CA | 12 | $ 6,000,000 | $ 500,000 | $ 130,000 |
| Knoxville, TN | 10 | $ 3,280,000 | $ 328,000 | $ 96,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 3,940,000 | $ 394,000 | $ 183,000 |
| Stockton-Lodi, CA | 10 | $ 3,720,000 | $ 372,000 | $ 122,000 |
| Boise City, ID | 9 | $ 3,685,000 | $ 409,444 | $ 289,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 6,385,000 | $ 709,444 | $ 163,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 3,460,000 | $ 432,500 | $ 101,000 |
| Provo-Orem, UT | 8 | $ 3,760,000 | $ 470,000 | $ 127,000 |
| Reno, NV | 8 | $ 2,710,000 | $ 338,750 | $ 159,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,610,000 | $ 326,250 | $ 171,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 3,865,000 | $ 552,142 | $ 176,000 |
| Raleigh, NC | 7 | $ 2,665,000 | $ 380,714 | $ 111,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 4,635,000 | $ 662,142 | $ 494,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,780,000 | $ 296,666 | $ 122,000 |
| Fresno, CA | 6 | $ 1,270,000 | $ 211,666 | $ 97,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,300,000 | $ 216,666 | $ 103,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,620,000 | $ 270,000 | $ 108,000 |
| Marietta, GA | 6 | $ 1,600,000 | $ 266,666 | $ 70,000 |
| Washington-Baltimore-Arlington, DC | 6 | $ 3,170,000 | $ 528,333 | $ 130,000 |
| Chico, CA | 5 | $ 1,805,000 | $ 361,000 | $ 70,000 |
| Colorado Springs, CO | 5 | $ 1,835,000 | $ 367,000 | $ 123,000 |
| Dallas-Plano-Irving, TX | 5 | $ 2,615,000 | $ 523,000 | $ 270,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,655,000 | $ 331,000 | $ 77,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 1,655,000 | $ 331,000 | $ 130,000 |
| San Rafael, CA | 5 | $ 4,685,000 | $ 937,000 | $ 294,000 |
| Spartanburg, SC | 5 | $ 1,375,000 | $ 275,000 | $ 108,000 |
| Albuquerque, NM | 4 | $ 1,030,000 | $ 257,500 | $ 100,000 |
| El Centro, CA | 4 | $ 640,000 | $ 160,000 | $ 168,000 |
| Greeley, CO | 4 | $ 1,680,000 | $ 420,000 | $ 165,000 |
| Greensboro-High Point, NC | 4 | $ 960,000 | $ 240,000 | $ 75,000 |
| Jacksonville, FL | 4 | $ 1,400,000 | $ 350,000 | $ 120,000 |
| Kahului-Wailuku-Lahaina, HI | 4 | $ 1,300,000 | $ 325,000 | $ 253,000 |
| Las Cruces, NM | 4 | $ 1,280,000 | $ 320,000 | $ 156,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,380,000 | $ 345,000 | $ 161,000 |
| Napa, CA | 4 | $ 4,700,000 | $ 1,175,000 | $ 622,000 |
| Tucson, AZ | 4 | $ 1,300,000 | $ 325,000 | $ 129,000 |
| Urban Honolulu, HI | 4 | $ 1,770,000 | $ 442,500 | $ 347,000 |
| Visalia-Porterville, CA | 4 | $ 850,000 | $ 212,500 | $ 145,000 |
| Burlington, NC | 3 | $ 925,000 | $ 308,333 | $ 114,000 |
| Charleston-North Charleston, SC | 3 | $ 815,000 | $ 271,666 | $ 100,000 |
| Chattanooga, TN-GA | 3 | $ 455,000 | $ 151,666 | $ 0 |
| Fayetteville, NC | 3 | $ 775,000 | $ 258,333 | $ 92,000 |
| Flagstaff, AZ | 3 | $ 4,045,000 | $ 1,348,333 | $ 449,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,055,000 | $ 351,666 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 675,000 | $ 225,000 | $ 126,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 865,000 | $ 288,333 | $ 94,000 |
| Medford, OR | 3 | $ 825,000 | $ 275,000 | $ 66,000 |
| Merced, CA | 3 | $ 1,205,000 | $ 401,666 | $ 116,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,125,000 | $ 375,000 | $ 115,000 |
| Olympia-Tumwater, WA | 3 | $ 1,125,000 | $ 375,000 | $ 172,000 |
| Washington, DC-MD | 3 | $ 1,205,000 | $ 401,666 | $ 129,000 |
| Wildwood-The Villages, FL | 3 | $ 1,385,000 | $ 461,666 | $ 206,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 520,000 | $ 260,000 | $ 63,000 |
| Bend-Redmond, OR | 2 | $ 760,000 | $ 380,000 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 860,000 | $ 430,000 | $ 117,000 |
| Carson City, NV | 2 | $ 630,000 | $ 315,000 | $ 112,000 |
| Coeur D'Alene, ID | 2 | $ 860,000 | $ 430,000 | $ 134,000 |
| Durham-Chapel Hill, NC | 2 | $ 550,000 | $ 275,000 | $ 103,000 |
| El Paso, TX | 2 | $ 450,000 | $ 225,000 | $ 87,000 |
| Eugene, OR | 2 | $ 560,000 | $ 280,000 | $ 72,000 |
| Florence, SC | 2 | $ 620,000 | $ 310,000 | $ 132,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 910,000 | $ 455,000 | $ 121,000 |
| Gainesville, GA | 2 | $ 860,000 | $ 430,000 | $ 90,000 |
| Grand Junction, CO | 2 | $ 890,000 | $ 445,000 | $ 149,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 620,000 | $ 310,000 | $ 149,000 |
| Huntsville, AL | 2 | $ 380,000 | $ 190,000 | $ 184,000 |
| Idaho Falls, ID | 2 | $ 660,000 | $ 330,000 | $ 201,000 |
| Memphis, TN-MS-AR | 2 | $ 480,000 | $ 240,000 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 590,000 | $ 295,000 | $ 105,000 |
| Philadelphia, PA | 2 | $ 1,010,000 | $ 505,000 | $ 157,000 |
| Pittsburgh, PA | 2 | $ 630,000 | $ 315,000 | $ 150,000 |
| Reading, PA | 2 | $ 490,000 | $ 245,000 | $ 79,000 |
| San Antonio-New Braunfels, TX | 2 | $ 510,000 | $ 255,000 | $ 71,000 |
| St. George, UT | 2 | $ 760,000 | $ 380,000 | $ 81,000 |
| Tyler, TX | 2 | $ 720,000 | $ 360,000 | $ 121,000 |
| Waco, TX | 2 | $ 340,000 | $ 170,000 | $ 0 |
| York-Hanover, PA | 2 | $ 550,000 | $ 275,000 | $ 112,000 |
| Yuma, AZ | 2 | $ 410,000 | $ 205,000 | $ 74,000 |
| Albany, GA | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Albany, OR | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Altoona, PA | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Amarillo, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Asheville, NC | 1 | $ 515,000 | $ 515,000 | $ 140,000 |
| Austin-Round Rock, TX | 1 | $ 415,000 | $ 415,000 | $ 304,000 |
| Boulder, CO | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Bremerton-Silverdale, WA | 1 | $ 245,000 | $ 245,000 | $ 119,000 |
| Brunswick, GA | 1 | $ 395,000 | $ 395,000 | $ 198,000 |
| Chicago-Naperville, IL | 1 | $ 535,000 | $ 535,000 | $ 114,000 |
| Cleveland, TN | 1 | $ 385,000 | $ 385,000 | $ 166,000 |
| Columbia, SC | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 565,000 | $ 565,000 | $ 129,000 |
| Farmington, NM | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Fort Worth-Arlington, TX | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Gainesville, FL | 1 | $ 215,000 | $ 215,000 | $ 110,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 2,005,000 | $ 2,005,000 | $ 5,391,000 |
| Harrisburg-Carlisle, PA | 1 | $ 235,000 | $ 235,000 | $ 149,000 |
| Jackson, TN | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Jacksonville, NC | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Kennewick-Richland, WA | 1 | $ 255,000 | $ 255,000 | $ 268,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Lexington Park, MD | 1 | $ 505,000 | $ 505,000 | $ 186,000 |
| Lexington-Fayette, KY | 1 | $ 1,305,000 | $ 1,305,000 | $ 468,000 |
| Logan, UT-ID | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Macon-Bibb County, GA | 1 | $ 155,000 | $ 155,000 | $ 241,000 |
| Morristown, TN | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Ocala, FL | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 375,000 | $ 375,000 | $ 82,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 375,000 | $ 375,000 | $ 360,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 525,000 | $ 525,000 | $ 132,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 68,000 |
| Rapid City, SD | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Redding, CA | 1 | $ 655,000 | $ 655,000 | $ 170,000 |
| Savannah, GA | 1 | $ 225,000 | $ 225,000 | $ 262,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 905,000 | $ 905,000 | $ 440,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 375,000 | $ 375,000 | $ 252,000 |
| Sumter, SC | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Tampa, FL | 1 | $ 495,000 | $ 495,000 | $ 115,000 |
| Winston-Salem, NC | 1 | $ 425,000 | $ 425,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Franklin Loan Corporation in 2025
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 | 1,555 | $767,085,000 | $493,000 | $3,505,000 | $222,000 | $8,100,000 |
| Cash-out Refinancing | 838 | $296,130,000 | $353,000 | $2,745,000 | $189,000 | $7,074,000 |
| Refinancing | 218 | $152,130,000 | $697,000 | $3,005,000 | $347,000 | $7,309,000 |
| Other Purpose | 3 | $3,325,000 | $1,108,000 | $2,715,000 | $0 | $0 |
| Not Applicable | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| 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 | 1,536 | $722,250,000 | $470,000 | $3,505,000 | $229,000 | $7,074,000 |
| Not Provided | 778 | $342,490,000 | $440,000 | $3,005,000 | $192,000 | $3,236,000 |
| Asian | 141 | $87,435,000 | $620,000 | $2,795,000 | $367,000 | $8,100,000 |
| Hispanic | 73 | $34,145,000 | $467,000 | $1,485,000 | $175,000 | $1,233,000 |
| Black or African American | 64 | $24,160,000 | $377,000 | $1,605,000 | $138,000 | $404,000 |
| American Indian or Alaskan Native | 20 | $7,010,000 | $350,000 | $685,000 | $213,000 | $1,513,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,365,000 | $455,000 | $795,000 | $175,000 | $287,000 |
| 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) | 1,784 | $860,360,000 | $482,000 | $3,505,000 | $266,000 | $8,100,000 |
| FHA-insured (Federal Housing Administration) | 701 | $291,185,000 | $415,000 | $1,235,000 | $126,000 | $876,000 |
| VA-guaranteed (Veterans Administration) | 129 | $67,045,000 | $519,000 | $1,635,000 | $139,000 | $906,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $265,000 | $265,000 | $265,000 | $90,000 | $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 | 1,994 | $935,290,000 | $469,000 | $3,505,000 | $232,000 | $8,100,000 |
| Application Withdrawn By Applicant | 514 | $235,550,000 | $458,000 | $3,005,000 | $189,000 | $3,236,000 |
| Application Approved But Not Accepted | 65 | $29,505,000 | $453,000 | $2,605,000 | $173,000 | $876,000 |
| Application Denied By Financial Institution | 42 | $18,510,000 | $440,000 | $1,865,000 | $178,000 | $1,835,000 |
| 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 | 2,573 | $1,200,345,000 | $466,000 | $3,505,000 | $222,000 | $8,100,000 |
| Collateral | 13 | $5,555,000 | $427,000 | $1,525,000 | $263,000 | $1,835,000 |
| Debt-To-Income Ratio | 11 | $4,125,000 | $375,000 | $725,000 | $100,000 | $201,000 |
| Credit History | 7 | $3,775,000 | $539,000 | $1,865,000 | $200,000 | $583,000 |
| Other | 5 | $2,035,000 | $407,000 | $825,000 | $155,000 | $194,000 |
| Employment History | 3 | $1,515,000 | $505,000 | $535,000 | $173,000 | $258,000 |
| Unverifiable Information | 2 | $830,000 | $415,000 | $525,000 | $107,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $675,000 | $675,000 | $675,000 | $226,000 | $226,000 |
| 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 Loan Corporation's 2025 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About