2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Franklin Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Franklin Financial 2004 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 Financial 26060 Acero Street, #200 Mission Viejo, CA 92691 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,562 |
| Total Mortgage Loan Application Amount | $863,911,000 |
| Average Mortgage Loan Application Amount | $140,031 |
| Highest Mortgage Loan Application Amount | $2,958,000 |
| Average Applicant Income | $85,515 |
| Highest Applicant Income | $5,823,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Franklin Financial. 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 Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Franklin Financial'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 Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Franklin Financial, 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 Financial's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Colorado | 31 | $ 3,012,000 | $ 97,000 | $ 66,000 |
| Alachua County Florida | 4 | $ 232,000 | $ 58,000 | $ 31,000 |
| Alameda County California | 82 | $ 22,588,000 | $ 275,000 | $ 106,000 |
| Alamosa County Colorado | 2 | $ 152,000 | $ 76,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Amador County California | 1 | $ 54,000 | $ 54,000 | $ 75,000 |
| Arapahoe County Colorado | 24 | $ 3,452,000 | $ 143,000 | $ 89,000 |
| Bannock County Idaho | 2 | $ 155,000 | $ 77,000 | $ 0 |
| Bay County Florida | 11 | $ 1,834,000 | $ 166,000 | $ 164,000 |
| Beaufort County South Carolina | 2 | $ 169,000 | $ 84,000 | $ 64,000 |
| Bernalillo County New Mexico | 14 | $ 1,814,000 | $ 129,000 | $ 77,000 |
| Bexar County Texas | 3 | $ 215,000 | $ 71,000 | $ 100,000 |
| Boulder County Colorado | 8 | $ 1,938,000 | $ 242,000 | $ 144,000 |
| Brevard County Florida | 1 | $ 86,000 | $ 86,000 | $ 103,000 |
| Broomfield County Colorado | 8 | $ 1,753,000 | $ 219,000 | $ 73,000 |
| Broward County Florida | 62 | $ 10,171,000 | $ 164,000 | $ 363,000 |
| Brown County Wisconsin | 2 | $ 135,000 | $ 67,000 | $ 75,000 |
| Buffalo County Wisconsin | 2 | $ 123,000 | $ 61,000 | $ 69,000 |
| Butte County California | 5 | $ 709,000 | $ 141,000 | $ 48,000 |
| Camden County Missouri | 2 | $ 278,000 | $ 139,000 | $ 21,000 |
| Carson City County Nevada | 2 | $ 264,000 | $ 132,000 | $ 62,000 |
| Charleston County South Carolina | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 29,000 | $ 29,000 | $ 62,000 |
| Chesterfield County Virginia | 1 | $ 110,000 | $ 110,000 | $ 54,000 |
| Christian County Missouri | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Clackamas County Oregon | 2 | $ 2,146,000 | $ 1,073,000 | $ 201,000 |
| Clallam County Washington | 1 | $ 163,000 | $ 163,000 | $ 132,000 |
| Clark County Nevada | 128 | $ 19,746,000 | $ 154,000 | $ 69,000 |
| Clark County Washington | 2 | $ 56,000 | $ 28,000 | $ 49,000 |
| Clay County Florida | 1 | $ 334,000 | $ 334,000 | $ 193,000 |
| Clayton County Georgia | 4 | $ 339,000 | $ 84,000 | $ 96,000 |
| Clear Creek County Colorado | 3 | $ 324,000 | $ 108,000 | $ 111,000 |
| Clermont County Ohio | 1 | $ 50,000 | $ 50,000 | $ 90,000 |
| Cleveland County Oklahoma | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Clinton County Indiana | 1 | $ 40,000 | $ 40,000 | $ 104,000 |
| Cobb County Georgia | 12 | $ 1,724,000 | $ 143,000 | $ 113,000 |
| Coconino County Arizona | 2 | $ 120,000 | $ 60,000 | $ 10,000 |
| Cole County Missouri | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Collier County Florida | 3 | $ 254,000 | $ 84,000 | $ 51,000 |
| Contra Costa County California | 85 | $ 18,734,000 | $ 220,000 | $ 67,000 |
| Cook County Illinois | 46 | $ 6,386,000 | $ 138,000 | $ 67,000 |
| Cowlitz County Washington | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Cuyahoga County Ohio | 7 | $ 727,000 | $ 103,000 | $ 75,000 |
| Dakota County Minnesota | 4 | $ 450,000 | $ 112,000 | $ 48,000 |
| Dallas County Texas | 8 | $ 2,202,000 | $ 275,000 | $ 20,000 |
| Davidson County Tennessee | 3 | $ 248,000 | $ 82,000 | $ 161,000 |
| Dawson County Georgia | 2 | $ 725,000 | $ 362,000 | $ 183,000 |
| DeKalb County Georgia | 12 | $ 951,000 | $ 79,000 | $ 73,000 |
| DeKalb County Illinois | 2 | $ 277,000 | $ 138,000 | $ 44,000 |
| DeKalb County Missouri | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| Delaware County Ohio | 6 | $ 635,000 | $ 105,000 | $ 93,000 |
| Denton County Texas | 9 | $ 2,483,000 | $ 275,000 | $ 197,000 |
| Denver County Colorado | 25 | $ 3,690,000 | $ 147,000 | $ 58,000 |
| Deschutes County Oregon | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| Dorchester County South Carolina | 2 | $ 120,000 | $ 60,000 | $ 60,000 |
| Douglas County Colorado | 14 | $ 2,879,000 | $ 205,000 | $ 186,000 |
| Douglas County Oregon | 2 | $ 156,000 | $ 78,000 | $ 75,000 |
| DuPage County Illinois | 3 | $ 559,000 | $ 186,000 | $ 65,000 |
| Duval County Florida | 6 | $ 362,000 | $ 60,000 | $ 82,000 |
| El Dorado County California | 4 | $ 1,487,000 | $ 371,000 | $ 256,000 |
| El Paso County Colorado | 8 | $ 435,000 | $ 54,000 | $ 76,000 |
| El Paso County Texas | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Elbert County Colorado | 2 | $ 225,000 | $ 112,000 | $ 59,000 |
| Erie County Ohio | 2 | $ 123,000 | $ 61,000 | $ 0 |
| Escambia County Florida | 1 | $ 38,000 | $ 38,000 | $ 229,000 |
| Fairfax County Virginia | 2 | $ 326,000 | $ 163,000 | $ 65,000 |
| Fairfield County Connecticut | 24 | $ 3,941,000 | $ 164,000 | $ 102,000 |
| Fayette County Georgia | 5 | $ 786,000 | $ 157,000 | $ 24,000 |
| Flagler County Florida | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Fort Bend County Texas | 3 | $ 771,000 | $ 257,000 | $ 90,000 |
| Franklin County Ohio | 8 | $ 1,212,000 | $ 151,000 | $ 87,000 |
| Frederick County Maryland | 2 | $ 99,000 | $ 49,000 | $ 269,000 |
| Fresno County California | 17 | $ 1,850,000 | $ 108,000 | $ 64,000 |
| Fulton County Georgia | 19 | $ 3,048,000 | $ 160,000 | $ 39,000 |
| Galveston County Texas | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Geauga County Ohio | 2 | $ 1,093,000 | $ 546,000 | $ 288,000 |
| Grand County Colorado | 2 | $ 133,000 | $ 66,000 | $ 0 |
| Greene County Missouri | 4 | $ 658,000 | $ 164,000 | $ 33,000 |
| Greene County Ohio | 1 | $ 78,000 | $ 78,000 | $ 66,000 |
| Gwinnett County Georgia | 14 | $ 1,087,000 | $ 77,000 | $ 47,000 |
| Hamblen County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| Hamilton County Ohio | 5 | $ 642,000 | $ 128,000 | $ 70,000 |
| Hampton County Virginia | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Harris County Texas | 22 | $ 1,875,000 | $ 85,000 | $ 61,000 |
| Hartford County Connecticut | 4 | $ 238,000 | $ 59,000 | $ 92,000 |
| Hawaii County Hawaii | 10 | $ 4,214,000 | $ 421,000 | $ 176,000 |
| Hempstead County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 70,000 |
| Hennepin County Minnesota | 6 | $ 487,000 | $ 81,000 | $ 50,000 |
| Henry County Georgia | 1 | $ 218,000 | $ 218,000 | $ 88,000 |
| Hillsborough County Florida | 10 | $ 830,000 | $ 83,000 | $ 24,000 |
| Hinds County Mississippi | 1 | $ 48,000 | $ 48,000 | $ 271,000 |
| Honolulu County Hawaii | 18 | $ 6,489,000 | $ 360,000 | $ 265,000 |
| Hood County Texas | 2 | $ 300,000 | $ 150,000 | $ 360,000 |
| Howard County Maryland | 4 | $ 1,274,000 | $ 318,000 | $ 77,000 |
| Imperial County California | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Indian River County Florida | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Inyo County California | 2 | $ 404,000 | $ 202,000 | $ 90,000 |
| Iron County Utah | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Jackson County Michigan | 1 | $ 276,000 | $ 276,000 | $ 63,000 |
| Jackson County Missouri | 2 | $ 283,000 | $ 141,000 | $ 39,000 |
| Jackson County Oregon | 3 | $ 433,000 | $ 144,000 | $ 112,000 |
| Jefferson County Colorado | 23 | $ 3,137,000 | $ 136,000 | $ 78,000 |
| Kane County Illinois | 2 | $ 169,000 | $ 84,000 | $ 72,000 |
| Kauai County Hawaii | 4 | $ 891,000 | $ 222,000 | $ 183,000 |
| Kent County Michigan | 7 | $ 417,000 | $ 59,000 | $ 32,000 |
| Kern County California | 11 | $ 1,505,000 | $ 136,000 | $ 72,000 |
| Kewaunee County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| King County Washington | 22 | $ 3,698,000 | $ 168,000 | $ 125,000 |
| Kitsap County Washington | 1 | $ 368,000 | $ 368,000 | $ 100,000 |
| Klickitat County Washington | 2 | $ 241,000 | $ 120,000 | $ 49,000 |
| La Paz County Arizona | 1 | $ 400,000 | $ 400,000 | $ 203,000 |
| Laclede County Missouri | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Lake County California | 4 | $ 604,000 | $ 151,000 | $ 88,000 |
| Lake County Florida | 1 | $ 238,000 | $ 238,000 | $ 59,000 |
| Lake County Illinois | 4 | $ 1,329,000 | $ 332,000 | $ 184,000 |
| Lake County Indiana | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Lake County Ohio | 9 | $ 1,428,000 | $ 158,000 | $ 64,000 |
| Larimer County Colorado | 17 | $ 2,275,000 | $ 133,000 | $ 85,000 |
| Lee County Florida | 12 | $ 1,079,000 | $ 89,000 | $ 77,000 |
| Lincoln County Oregon | 2 | $ 85,000 | $ 42,000 | $ 34,000 |
| Linn County Oregon | 1 | $ 104,000 | $ 104,000 | $ 506,000 |
| Litchfield County Connecticut | 2 | $ 271,000 | $ 135,000 | $ 92,000 |
| Los Angeles County California | 430 | $ 117,710,000 | $ 273,000 | $ 119,000 |
| Loudoun County Virginia | 3 | $ 690,000 | $ 230,000 | $ 80,000 |
| Lyon County Nevada | 4 | $ 577,000 | $ 144,000 | $ 61,000 |
| Madera County California | 3 | $ 534,000 | $ 178,000 | $ 169,000 |
| Manatee County Florida | 3 | $ 273,000 | $ 91,000 | $ 80,000 |
| Maricopa County Arizona | 51 | $ 5,666,000 | $ 111,000 | $ 104,000 |
| Marin County California | 7 | $ 4,075,000 | $ 582,000 | $ 121,000 |
| Marion County Florida | 3 | $ 180,000 | $ 60,000 | $ 32,000 |
| Marion County Indiana | 3 | $ 366,000 | $ 122,000 | $ 67,000 |
| Marion County Oregon | 3 | $ 399,000 | $ 133,000 | $ 86,000 |
| Mariposa County California | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Martin County Florida | 1 | $ 118,000 | $ 118,000 | $ 109,000 |
| Maui County Hawaii | 4 | $ 2,545,000 | $ 636,000 | $ 170,000 |
| Meade County South Dakota | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Meeker County Minnesota | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Merced County California | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Mesa County Colorado | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Miami County Ohio | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Miami-Dade County Florida | 75 | $ 8,616,000 | $ 114,000 | $ 71,000 |
| Middlesex County Connecticut | 2 | $ 326,000 | $ 163,000 | $ 94,000 |
| Middlesex County Massachusetts | 1 | $ 189,000 | $ 189,000 | $ 134,000 |
| Milwaukee County Wisconsin | 7 | $ 503,000 | $ 71,000 | $ 64,000 |
| Moffat County Colorado | 1 | $ 117,000 | $ 117,000 | $ 808,000 |
| Mohave County Arizona | 3 | $ 201,000 | $ 67,000 | $ 83,000 |
| Mono County California | 9 | $ 3,218,000 | $ 357,000 | $ 144,000 |
| Monroe County Florida | 6 | $ 1,489,000 | $ 248,000 | $ 186,000 |
| Monroe County Michigan | 2 | $ 158,000 | $ 79,000 | $ 108,000 |
| Monroe County New York | 1 | $ 99,000 | $ 99,000 | $ 75,000 |
| Monterey County California | 7 | $ 2,074,000 | $ 296,000 | $ 61,000 |
| Montgomery County Maryland | 4 | $ 723,000 | $ 180,000 | $ 63,000 |
| Morgan County Indiana | 2 | $ 123,000 | $ 61,000 | $ 0 |
| Multnomah County Oregon | 13 | $ 1,077,000 | $ 82,000 | $ 56,000 |
| Napa County California | 6 | $ 2,067,000 | $ 344,000 | $ 93,000 |
| Nelson County Kentucky | 2 | $ 121,000 | $ 60,000 | $ 26,000 |
| New Castle County Delaware | 2 | $ 178,000 | $ 89,000 | $ 35,000 |
| New Haven County Connecticut | 10 | $ 1,153,000 | $ 115,000 | $ 88,000 |
| New London County Connecticut | 7 | $ 709,000 | $ 101,000 | $ 34,000 |
| Newport News County Virginia | 1 | $ 66,000 | $ 66,000 | $ 82,000 |
| Nye County Nevada | 2 | $ 240,000 | $ 120,000 | $ 195,000 |
| Oakland County Michigan | 5 | $ 607,000 | $ 121,000 | $ 50,000 |
| Okaloosa County Florida | 11 | $ 2,712,000 | $ 246,000 | $ 150,000 |
| Orange County California | 587 | $ 215,545,000 | $ 367,000 | $ 172,000 |
| Orange County Florida | 26 | $ 3,057,000 | $ 117,000 | $ 80,000 |
| Orleans County Louisiana | 2 | $ 95,000 | $ 47,000 | $ 60,000 |
| Osceola County Florida | 12 | $ 1,314,000 | $ 109,000 | $ 54,000 |
| Palm Beach County Florida | 16 | $ 1,582,000 | $ 98,000 | $ 64,000 |
| Park County Colorado | 1 | $ 45,000 | $ 45,000 | $ 151,000 |
| Park County Montana | 2 | $ 74,000 | $ 37,000 | $ 95,000 |
| Pasco County Florida | 4 | $ 683,000 | $ 170,000 | $ 199,000 |
| Paulding County Georgia | 2 | $ 129,000 | $ 64,000 | $ 33,000 |
| Philadelphia County Pennsylvania | 2 | $ 468,000 | $ 234,000 | $ 347,000 |
| Pierce County Washington | 6 | $ 1,733,000 | $ 288,000 | $ 106,000 |
| Pima County Arizona | 8 | $ 707,000 | $ 88,000 | $ 47,000 |
| Pinal County Arizona | 2 | $ 204,000 | $ 102,000 | $ 76,000 |
| Pinellas County Florida | 7 | $ 498,000 | $ 71,000 | $ 70,000 |
| Placer County California | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Polk County Florida | 2 | $ 137,000 | $ 68,000 | $ 42,000 |
| Portsmouth County Virginia | 2 | $ 87,000 | $ 43,000 | $ 120,000 |
| Prince George's County Maryland | 4 | $ 533,000 | $ 133,000 | $ 37,000 |
| Prince William County Virginia | 6 | $ 1,289,000 | $ 214,000 | $ 100,000 |
| Pueblo County Colorado | 1 | $ 53,000 | $ 53,000 | $ 75,000 |
| Putnam County Florida | 2 | $ 119,000 | $ 59,000 | $ 60,000 |
| Racine County Wisconsin | 1 | $ 300,000 | $ 300,000 | $ 230,000 |
| Richmond City County Virginia | 2 | $ 152,000 | $ 76,000 | $ 140,000 |
| Riverside County California | 214 | $ 42,522,000 | $ 198,000 | $ 79,000 |
| Rockwall County Texas | 2 | $ 700,000 | $ 350,000 | $ 216,000 |
| Sacramento County California | 37 | $ 5,356,000 | $ 144,000 | $ 44,000 |
| Salt Lake County Utah | 10 | $ 1,064,000 | $ 106,000 | $ 34,000 |
| San Benito County California | 3 | $ 485,000 | $ 161,000 | $ 38,000 |
| San Bernardino County California | 125 | $ 19,534,000 | $ 156,000 | $ 72,000 |
| San Diego County California | 172 | $ 54,451,000 | $ 316,000 | $ 109,000 |
| San Francisco County California | 179 | $ 93,136,000 | $ 520,000 | $ 144,000 |
| San Joaquin County California | 38 | $ 5,848,000 | $ 153,000 | $ 83,000 |
| San Juan County New Mexico | 1 | $ 237,000 | $ 237,000 | $ 0 |
| San Juan County Utah | 1 | $ 164,000 | $ 164,000 | $ 187,000 |
| San Luis Obispo County California | 8 | $ 3,311,000 | $ 413,000 | $ 222,000 |
| San Mateo County California | 40 | $ 13,350,000 | $ 333,000 | $ 123,000 |
| Santa Barbara County California | 9 | $ 3,259,000 | $ 362,000 | $ 104,000 |
| Santa Clara County California | 42 | $ 10,666,000 | $ 253,000 | $ 107,000 |
| Santa Cruz County California | 16 | $ 6,647,000 | $ 415,000 | $ 197,000 |
| Santa Fe County New Mexico | 2 | $ 130,000 | $ 65,000 | $ 122,000 |
| Sarasota County Florida | 15 | $ 1,864,000 | $ 124,000 | $ 58,000 |
| Seminole County Florida | 8 | $ 637,000 | $ 79,000 | $ 95,000 |
| Sevier County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Sheboygan County Wisconsin | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Shelby County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 57,000 |
| Skagit County Washington | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Snohomish County Washington | 3 | $ 254,000 | $ 84,000 | $ 80,000 |
| Solano County California | 23 | $ 4,380,000 | $ 190,000 | $ 82,000 |
| Sonoma County California | 23 | $ 7,164,000 | $ 311,000 | $ 96,000 |
| Spokane County Washington | 2 | $ 143,000 | $ 71,000 | $ 36,000 |
| Spotsylvania County Virginia | 3 | $ 342,000 | $ 114,000 | $ 90,000 |
| St. Croix County Wisconsin | 2 | $ 161,000 | $ 80,000 | $ 156,000 |
| St. Johns County Florida | 1 | $ 54,000 | $ 54,000 | $ 120,000 |
| St. Louis City County Missouri | 3 | $ 188,000 | $ 62,000 | $ 83,000 |
| St. Louis County Missouri | 2 | $ 105,000 | $ 52,000 | $ 47,000 |
| St. Lucie County Florida | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Stafford County Virginia | 3 | $ 466,000 | $ 155,000 | $ 34,000 |
| Stanislaus County California | 19 | $ 2,473,000 | $ 130,000 | $ 93,000 |
| Staunton County Virginia | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Summit County Colorado | 3 | $ 515,000 | $ 171,000 | $ 267,000 |
| Summit County Utah | 2 | $ 540,000 | $ 270,000 | $ 240,000 |
| Sutter County California | 2 | $ 198,000 | $ 99,000 | $ 94,000 |
| Sweetwater County Wyoming | 1 | $ 93,000 | $ 93,000 | $ 65,000 |
| Taos County New Mexico | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Tarrant County Texas | 3 | $ 1,346,000 | $ 448,000 | $ 299,000 |
| Teller County Colorado | 1 | $ 44,000 | $ 44,000 | $ 81,000 |
| Teton County Wyoming | 1 | $ 152,000 | $ 152,000 | $ 40,000 |
| Thurston County Washington | 2 | $ 57,000 | $ 28,000 | $ 117,000 |
| Tillamook County Oregon | 2 | $ 111,000 | $ 55,000 | $ 60,000 |
| Travis County Texas | 8 | $ 1,301,000 | $ 162,000 | $ 19,000 |
| Tulare County California | 8 | $ 650,000 | $ 81,000 | $ 79,000 |
| Tuolumne County California | 2 | $ 124,000 | $ 62,000 | $ 57,000 |
| Utah County Utah | 6 | $ 1,234,000 | $ 205,000 | $ 67,000 |
| Ventura County California | 12 | $ 4,167,000 | $ 347,000 | $ 76,000 |
| Volusia County Florida | 2 | $ 64,000 | $ 32,000 | $ 112,000 |
| Walton County Florida | 13 | $ 3,619,000 | $ 278,000 | $ 163,000 |
| Walworth County Wisconsin | 2 | $ 168,000 | $ 84,000 | $ 61,000 |
| Washington County Minnesota | 2 | $ 196,000 | $ 98,000 | $ 48,000 |
| Washington County Utah | 2 | $ 144,000 | $ 72,000 | $ 0 |
| Washoe County Nevada | 2 | $ 910,000 | $ 455,000 | $ 438,000 |
| Washtenaw County Michigan | 4 | $ 893,000 | $ 223,000 | $ 122,000 |
| Waukesha County Wisconsin | 3 | $ 299,000 | $ 99,000 | $ 49,000 |
| Wayne County Michigan | 9 | $ 2,120,000 | $ 235,000 | $ 139,000 |
| Webster County Iowa | 1 | $ 116,000 | $ 116,000 | $ 101,000 |
| Weld County Colorado | 10 | $ 729,000 | $ 72,000 | $ 54,000 |
| Wicomico County Maryland | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| Will County Illinois | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Winnebago County Wisconsin | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Wyandot County Ohio | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Yavapai County Arizona | 2 | $ 408,000 | $ 204,000 | $ 52,000 |
| Yolo County California | 2 | $ 176,000 | $ 88,000 | $ 32,000 |
| Yuba County California | 5 | $ 594,000 | $ 118,000 | $ 112,000 |
| Yuma County Arizona | 3 | $ 390,000 | $ 130,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Franklin Financial in 2004
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 | 2,111 | $472,992,000 | $126,176 | $2,320,000 | $78,117 | $1,008,000 |
| Refinancing | 1,449 | $390,835,000 | $163,857 | $2,958,000 | $95,464 | $5,823,000 |
| Home Improvement | 2 | $84,000 | $42,000 | $61,000 | $72,000 | $72,000 |
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 | 1,545 | $429,020,000 | $160,185 | $2,320,000 | $115,518 | $5,823,000 |
| Not Provided | 1,058 | $237,526,000 | $130,548 | $2,958,000 | $64,225 | $3,945,000 |
| Hispanic | 616 | $119,785,000 | $134,285 | $1,500,000 | $66,190 | $660,000 |
| Black or African American | 172 | $32,400,000 | $130,550 | $960,000 | $87,900 | $1,030,000 |
| Asian | 153 | $41,282,000 | $170,181 | $1,500,000 | $112,818 | $1,008,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,514,000 | $241,500 | $624,000 | $118,250 | $196,000 |
| American Indian or Alaskan Native | 2 | $384,000 | $192,000 | $244,000 | $150,000 | $216,000 |
| 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) | 3,561 | $863,717,000 | $132,078 | $2,958,000 | $87,000 | $5,823,000 |
| FHA-insured (Federal Housing Administration) | 1 | $194,000 | $194,000 | $194,000 | $57,000 | $57,000 |
| 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 | 1,892 | $502,920,000 | $137,900 | $1,800,000 | $95,300 | $1,524,000 |
| Application Approved But Not Accepted | 772 | $171,116,000 | $150,678 | $1,866,000 | $101,464 | $3,945,000 |
| Application Denied By Financial Institution | 478 | $87,750,000 | $132,214 | $1,593,000 | $56,964 | $5,823,000 |
| File Closed For Incompleteness | 192 | $47,371,000 | $135,777 | $2,958,000 | $65,166 | $761,000 |
| Application Withdrawn By Applicant | 142 | $40,824,000 | $124,352 | $2,320,000 | $95,941 | $1,030,000 |
| Loan Purchased By The Institution | 86 | $13,930,000 | $124,666 | $940,000 | $84,333 | $363,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Franklin Financial's 2004 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 Financial'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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