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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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ALBUQUERQUE, NM | 14 | $ 1,814,000 | $ 129,000 | $ 77,000 |
| ANN ARBOR, MI | 4 | $ 893,000 | $ 223,000 | $ 122,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 72 | $ 9,036,000 | $ 125,000 | $ 64,000 |
| AUSTIN-ROUND ROCK, TX | 8 | $ 1,301,000 | $ 162,000 | $ 19,000 |
| BAKERSFIELD, CA | 11 | $ 1,505,000 | $ 136,000 | $ 72,000 |
| BALTIMORE-TOWSON, MD | 4 | $ 1,274,000 | $ 318,000 | $ 77,000 |
| BEND, OR | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 6 | $ 822,000 | $ 137,000 | $ 115,000 |
| BOULDER, CO | 8 | $ 1,938,000 | $ 242,000 | $ 144,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 368,000 | $ 368,000 | $ 100,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 24 | $ 3,941,000 | $ 164,000 | $ 102,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 189,000 | $ 189,000 | $ 134,000 |
| CAPE CORAL-FORT MYERS, FL | 12 | $ 1,079,000 | $ 89,000 | $ 77,000 |
| CARSON CITY, NV | 2 | $ 264,000 | $ 132,000 | $ 62,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 4 | $ 295,000 | $ 73,000 | $ 30,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 54 | $ 7,441,000 | $ 137,000 | $ 68,000 |
| CHICO, CA | 5 | $ 709,000 | $ 141,000 | $ 48,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 6 | $ 692,000 | $ 115,000 | $ 73,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 18 | $ 3,248,000 | $ 180,000 | $ 85,000 |
| COLORADO SPRINGS, CO | 9 | $ 479,000 | $ 53,000 | $ 77,000 |
| COLUMBUS, OH | 14 | $ 1,847,000 | $ 131,000 | $ 89,000 |
| DALLAS-PLANO-IRVING, TX | 19 | $ 5,385,000 | $ 283,000 | $ 142,000 |
| DAYTON, OH | 3 | $ 298,000 | $ 99,000 | $ 70,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 2 | $ 64,000 | $ 32,000 | $ 112,000 |
| DENVER-AURORA, CO | 131 | $ 18,517,000 | $ 141,000 | $ 86,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 9 | $ 2,120,000 | $ 235,000 | $ 139,000 |
| EL CENTRO, CA | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| EL PASO, TX | 2 | $ 78,000 | $ 39,000 | $ 0 |
| FARMINGTON, NM | 1 | $ 237,000 | $ 237,000 | $ 0 |
| FLAGSTAFF, AZ | 2 | $ 120,000 | $ 60,000 | $ 10,000 |
| FORT COLLINS-LOVELAND, CO | 17 | $ 2,275,000 | $ 133,000 | $ 85,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 62 | $ 10,171,000 | $ 164,000 | $ 363,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 11 | $ 2,712,000 | $ 246,000 | $ 150,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 1,346,000 | $ 448,000 | $ 299,000 |
| FRESNO, CA | 17 | $ 1,850,000 | $ 108,000 | $ 64,000 |
| GAINESVILLE, FL | 4 | $ 232,000 | $ 58,000 | $ 31,000 |
| GARY, IN | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| GRAND JUNCTION, CO | 1 | $ 43,000 | $ 43,000 | $ 0 |
| GRAND RAPIDS-WYOMING, MI | 7 | $ 417,000 | $ 59,000 | $ 32,000 |
| GREELEY, CO | 10 | $ 729,000 | $ 72,000 | $ 54,000 |
| GREEN BAY, WI | 3 | $ 240,000 | $ 80,000 | $ 59,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 6 | $ 564,000 | $ 94,000 | $ 92,000 |
| HONOLULU, HI | 18 | $ 6,489,000 | $ 360,000 | $ 265,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 26 | $ 2,792,000 | $ 107,000 | $ 61,000 |
| INDIANAPOLIS, IN | 5 | $ 489,000 | $ 97,000 | $ 45,000 |
| JACKSON, MI | 1 | $ 276,000 | $ 276,000 | $ 63,000 |
| JACKSON, MS | 1 | $ 48,000 | $ 48,000 | $ 271,000 |
| JACKSONVILLE, FL | 8 | $ 750,000 | $ 93,000 | $ 112,000 |
| JEFFERSON CITY, MO | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| KANSAS CITY, MO-KS | 2 | $ 283,000 | $ 141,000 | $ 39,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 4 | $ 1,329,000 | $ 332,000 | $ 184,000 |
| LAKELAND, FL | 2 | $ 137,000 | $ 68,000 | $ 42,000 |
| LAS VEGAS-PARADISE, NV | 128 | $ 19,746,000 | $ 154,000 | $ 69,000 |
| LONGVIEW, WA | 1 | $ 164,000 | $ 164,000 | $ 0 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 430 | $ 117,710,000 | $ 273,000 | $ 119,000 |
| LOUISVILLE, KY-IN | 2 | $ 121,000 | $ 60,000 | $ 26,000 |
| MADERA, CA | 3 | $ 534,000 | $ 178,000 | $ 169,000 |
| MEDFORD, OR | 3 | $ 433,000 | $ 144,000 | $ 112,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 54,000 | $ 54,000 | $ 57,000 |
| MERCED, CA | 1 | $ 218,000 | $ 218,000 | $ 0 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 75 | $ 8,616,000 | $ 114,000 | $ 71,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 10 | $ 802,000 | $ 80,000 | $ 59,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 12 | $ 1,133,000 | $ 94,000 | $ 49,000 |
| MODESTO, CA | 19 | $ 2,473,000 | $ 130,000 | $ 93,000 |
| MONROE, MI | 2 | $ 158,000 | $ 79,000 | $ 108,000 |
| MORRISTOWN, TN | 1 | $ 67,000 | $ 67,000 | $ 34,000 |
| MOUNT VERNON-ANACORTES, WA | 2 | $ 216,000 | $ 108,000 | $ 0 |
| NAPA, CA | 6 | $ 2,067,000 | $ 344,000 | $ 93,000 |
| NAPLES-MARCO ISLAND, FL | 3 | $ 254,000 | $ 84,000 | $ 51,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 3 | $ 248,000 | $ 82,000 | $ 161,000 |
| NEW HAVEN-MILFORD, CT | 10 | $ 1,153,000 | $ 115,000 | $ 88,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 2 | $ 95,000 | $ 47,000 | $ 60,000 |
| NORWICH-NEW LONDON, CT | 7 | $ 709,000 | $ 101,000 | $ 34,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 167 | $ 41,322,000 | $ 247,000 | $ 88,000 |
| OCALA, FL | 3 | $ 180,000 | $ 60,000 | $ 32,000 |
| OKLAHOMA CITY, OK | 1 | $ 176,000 | $ 176,000 | $ 0 |
| OLYMPIA, WA | 2 | $ 57,000 | $ 28,000 | $ 117,000 |
| ORLANDO, FL | 47 | $ 5,246,000 | $ 111,000 | $ 75,000 |
| OSHKOSH-NEENAH, WI | 1 | $ 96,000 | $ 96,000 | $ 0 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 12 | $ 4,167,000 | $ 347,000 | $ 76,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 86,000 | $ 86,000 | $ 103,000 |
| PANAMA CITY-LYNN HAVEN, FL | 11 | $ 1,834,000 | $ 166,000 | $ 164,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 38,000 | $ 38,000 | $ 229,000 |
| PHILADELPHIA, PA | 2 | $ 468,000 | $ 234,000 | $ 347,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 53 | $ 5,870,000 | $ 110,000 | $ 101,000 |
| POCATELLO, ID | 2 | $ 155,000 | $ 77,000 | $ 0 |
| PORT ST. LUCIE-FORT PIERCE, FL | 2 | $ 143,000 | $ 71,000 | $ 95,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 15 | $ 3,223,000 | $ 214,000 | $ 92,000 |
| PRESCOTT, AZ | 2 | $ 408,000 | $ 204,000 | $ 52,000 |
| PROVO-OREM, UT | 6 | $ 1,234,000 | $ 205,000 | $ 67,000 |
| PUEBLO, CO | 1 | $ 53,000 | $ 53,000 | $ 75,000 |
| RACINE, WI | 1 | $ 300,000 | $ 300,000 | $ 230,000 |
| RAPID CITY, SD | 1 | $ 83,000 | $ 83,000 | $ 0 |
| RENO-SPARKS, NV | 2 | $ 910,000 | $ 455,000 | $ 438,000 |
| RICHMOND, VA | 3 | $ 262,000 | $ 87,000 | $ 97,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 339 | $ 62,056,000 | $ 183,000 | $ 76,000 |
| ROCHESTER, NY | 1 | $ 99,000 | $ 99,000 | $ 75,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 44 | $ 7,069,000 | $ 160,000 | $ 68,000 |
| SALEM, OR | 3 | $ 399,000 | $ 133,000 | $ 86,000 |
| SALINAS, CA | 7 | $ 2,074,000 | $ 296,000 | $ 61,000 |
| SALISBURY, MD | 2 | $ 90,000 | $ 45,000 | $ 51,000 |
| SALT LAKE CITY, UT | 12 | $ 1,604,000 | $ 133,000 | $ 85,000 |
| SAN ANTONIO, TX | 3 | $ 215,000 | $ 71,000 | $ 100,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 172 | $ 54,451,000 | $ 316,000 | $ 109,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 226 | $ 110,561,000 | $ 489,000 | $ 134,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 45 | $ 11,151,000 | $ 247,000 | $ 101,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 8 | $ 3,311,000 | $ 413,000 | $ 222,000 |
| SANDUSKY, OH | 2 | $ 123,000 | $ 61,000 | $ 0 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 587 | $ 215,545,000 | $ 367,000 | $ 172,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 9 | $ 3,259,000 | $ 362,000 | $ 104,000 |
| SANTA CRUZ-WATSONVILLE, CA | 16 | $ 6,647,000 | $ 415,000 | $ 197,000 |
| SANTA FE, NM | 2 | $ 130,000 | $ 65,000 | $ 122,000 |
| SANTA ROSA-PETALUMA, CA | 23 | $ 7,164,000 | $ 311,000 | $ 96,000 |
| SARASOTA-BRADENTON-VENICE, FL | 18 | $ 2,137,000 | $ 118,000 | $ 62,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 25 | $ 3,952,000 | $ 158,000 | $ 118,000 |
| SHEBOYGAN, WI | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| SPOKANE, WA | 2 | $ 143,000 | $ 71,000 | $ 36,000 |
| SPRINGFIELD, MO | 5 | $ 850,000 | $ 170,000 | $ 25,000 |
| ST. GEORGE, UT | 2 | $ 144,000 | $ 72,000 | $ 0 |
| ST. JOSEPH, MO-KS | 1 | $ 68,000 | $ 68,000 | $ 29,000 |
| ST. LOUIS, MO-IL | 5 | $ 293,000 | $ 58,000 | $ 69,000 |
| STOCKTON, CA | 38 | $ 5,848,000 | $ 153,000 | $ 83,000 |
| TACOMA, WA | 6 | $ 1,733,000 | $ 288,000 | $ 106,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 21 | $ 2,011,000 | $ 95,000 | $ 71,000 |
| TUCSON, AZ | 8 | $ 707,000 | $ 88,000 | $ 47,000 |
| VALLEJO-FAIRFIELD, CA | 23 | $ 4,380,000 | $ 190,000 | $ 82,000 |
| VERO BEACH, FL | 2 | $ 150,000 | $ 75,000 | $ 0 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 5 | $ 213,000 | $ 42,000 | $ 83,000 |
| VISALIA-PORTERVILLE, CA | 8 | $ 650,000 | $ 81,000 | $ 79,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 5 | $ 607,000 | $ 121,000 | $ 50,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 16 | $ 1,582,000 | $ 98,000 | $ 64,000 |
| WILMINGTON, DE-MD-NJ | 2 | $ 178,000 | $ 89,000 | $ 35,000 |
| YUBA CITY, CA | 7 | $ 792,000 | $ 113,000 | $ 107,000 |
| YUMA, AZ | 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.