First Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, First Bank & Trust of Lubbock, TX reported 1,749 mortgage applications totaling $483.0 million, down 38% from 2021. The average application was for $276,143, and applicants reported an average income of $144,879. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lubbock, TX (764), Fort Worth-Arlington, TX (136) and Wichita Falls, TX (108) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust 9816 Slide Rd. Lubbock, TX 79424 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,749 |
| Total Mortgage Loan Application Amount | $482,975,000 |
| Average Mortgage Loan Application Amount | $276,143 |
| Highest Mortgage Loan Application Amount | $27,585,000 |
| Average Applicant Income | $144,879 |
| Highest Applicant Income | $3,756,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Bank & Trust 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 | 1,279 | $379,745,000 | $296,000 | $27,585,000 | $146,000 | $3,756,000 |
| Refinancing | 188 | $46,590,000 | $247,000 | $2,845,000 | $151,000 | $1,878,000 |
| Cash-out Refinancing | 162 | $42,180,000 | $260,000 | $1,425,000 | $139,000 | $1,860,000 |
| Other Purpose | 62 | $9,580,000 | $154,000 | $805,000 | $125,000 | $765,000 |
| Home Improvement | 58 | $4,880,000 | $84,000 | $755,000 | $138,000 | $1,140,000 |
| Not Applicable | 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 | 1,095 | $305,315,000 | $278,000 | $2,855,000 | $156,000 | $3,756,000 |
| Hispanic | 275 | $59,085,000 | $214,000 | $1,075,000 | $107,000 | $1,171,000 |
| Not Provided | 164 | $37,890,000 | $231,000 | $3,505,000 | $133,000 | $516,000 |
| Not applicable | 138 | $63,540,000 | $460,000 | $27,585,000 | $0 | $0 |
| Black or African American | 34 | $6,860,000 | $201,000 | $845,000 | $121,000 | $302,000 |
| Asian | 27 | $6,175,000 | $228,000 | $505,000 | $151,000 | $449,000 |
| American Indian or Alaskan Native | 12 | $3,180,000 | $265,000 | $645,000 | $115,000 | $270,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $785,000 | $261,000 | $405,000 | $134,000 | $159,000 |
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) | 1,421 | $410,055,000 | $288,000 | $27,585,000 | $160,000 | $3,756,000 |
| FHA-insured (Federal Housing Administration) | 264 | $55,670,000 | $210,000 | $585,000 | $82,000 | $224,000 |
| VA-guaranteed (Veterans Administration) | 57 | $16,265,000 | $285,000 | $845,000 | $103,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $985,000 | $140,000 | $185,000 | $66,000 | $122,000 |
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 | 1,245 | $338,875,000 | $272,000 | $27,585,000 | $143,000 | $3,756,000 |
| Application Withdrawn By Applicant | 341 | $111,095,000 | $325,000 | $3,505,000 | $156,000 | $1,171,000 |
| Application Denied By Financial Institution | 149 | $31,185,000 | $209,000 | $2,005,000 | $131,000 | $1,860,000 |
| Application Approved But Not Accepted | 12 | $1,000,000 | $83,000 | $155,000 | $175,000 | $390,000 |
| Loan Purchased By The Institution | 2 | $820,000 | $410,000 | $615,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,600 | $451,790,000 | $282,000 | $27,585,000 | $146,000 | $3,756,000 |
| Debt-To-Income Ratio | 47 | $8,915,000 | $189,000 | $755,000 | $64,000 | $204,000 |
| Credit History | 44 | $7,480,000 | $170,000 | $2,005,000 | $125,000 | $1,444,000 |
| Collateral | 20 | $6,030,000 | $301,000 | $1,205,000 | $188,000 | $1,171,000 |
| Credit Application Incomplete | 14 | $1,410,000 | $100,000 | $385,000 | $147,000 | $765,000 |
| Other | 11 | $4,435,000 | $403,000 | $1,425,000 | $331,000 | $1,860,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,075,000 | $296,000 | $505,000 | $88,000 | $194,000 |
| Unverifiable Information | 4 | $620,000 | $155,000 | $305,000 | $150,000 | $290,000 |
| Employment History | 2 | $220,000 | $110,000 | $145,000 | $86,000 | $157,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust'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 First Bank & Trust'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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