All credit applications are subject to our underwriting criteria which includes but is not limited to annual income, credit history and score. Interest rates vary by state. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215. Any offers referenced here do not apply to residents of states in which 1st Franklin does not hold a lending license.