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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lubbock, Texas | 728 | $ 177,970,000 | $ 244,464 | $ 148,000 |
| Wise, Texas | 104 | $ 39,280,000 | $ 377,692 | $ 148,000 |
| Midland, Texas | 102 | $ 31,990,000 | $ 313,627 | $ 143,000 |
| Wichita, Texas | 97 | $ 15,735,000 | $ 162,216 | $ 86,000 |
| Scurry, Texas | 63 | $ 7,095,000 | $ 112,619 | $ 110,000 |
| Hockley, Texas | 52 | $ 8,970,000 | $ 172,500 | $ 97,000 |
| Gray, Texas | 34 | $ 5,220,000 | $ 153,529 | $ 104,000 |
| Lynn, Texas | 31 | $ 10,935,000 | $ 352,741 | $ 180,000 |
| Ector, Texas | 28 | $ 6,730,000 | $ 240,357 | $ 95,000 |
| Bernalillo, New Mexico | 27 | $ 8,255,000 | $ 305,740 | $ 160,000 |
| Ellis, Texas | 24 | $ 5,910,000 | $ 246,250 | $ 109,000 |
| Bailey, Texas | 23 | $ 3,005,000 | $ 130,652 | $ 81,000 |
| Tarrant, Texas | 20 | $ 8,670,000 | $ 433,500 | $ 173,000 |
| Taylor, Texas | 19 | $ 32,455,000 | $ 1,708,157 | $ 137,000 |
| Dallas, Texas | 17 | $ 3,955,000 | $ 232,647 | $ 175,000 |
| Maricopa, Arizona | 14 | $ 10,220,000 | $ 730,000 | $ 369,000 |
| Lamb, Texas | 13 | $ 1,135,000 | $ 87,307 | $ 65,000 |
| Hale, Texas | 12 | $ 1,940,000 | $ 161,666 | $ 131,000 |
| Mitchell, Texas | 10 | $ 770,000 | $ 77,000 | $ 90,000 |
| Terry, Texas | 10 | $ 1,420,000 | $ 142,000 | $ 78,000 |
| Santa Fe, New Mexico | 9 | $ 3,255,000 | $ 361,666 | $ 179,000 |
| Denton, Texas | 9 | $ 3,425,000 | $ 380,555 | $ 162,000 |
| Brazos, Texas | 8 | $ 1,740,000 | $ 217,500 | $ 122,000 |
| Gaines, Texas | 8 | $ 1,890,000 | $ 236,250 | $ 103,000 |
| Parker, Texas | 8 | $ 6,010,000 | $ 751,250 | $ 161,000 |
| Hood, Texas | 7 | $ 2,355,000 | $ 336,428 | $ 169,000 |
| Montague, Texas | 7 | $ 1,775,000 | $ 253,571 | $ 99,000 |
| Archer, Texas | 6 | $ 1,190,000 | $ 198,333 | $ 95,000 |
| Garza, Texas | 6 | $ 1,150,000 | $ 191,666 | $ 138,000 |
| Harris, Texas | 6 | $ 3,950,000 | $ 658,333 | $ 139,000 |
| Yoakum, Texas | 6 | $ 670,000 | $ 111,666 | $ 72,000 |
| Denver, Colorado | 5 | $ 1,695,000 | $ 339,000 | $ 141,000 |
| Lincoln, New Mexico | 5 | $ 3,435,000 | $ 687,000 | $ 814,000 |
| Baylor, Texas | 5 | $ 575,000 | $ 115,000 | $ 79,000 |
| Clay, Texas | 5 | $ 635,000 | $ 127,000 | $ 113,000 |
| Crosby, Texas | 5 | $ 535,000 | $ 107,000 | $ 51,000 |
| Jones, Texas | 5 | $ 565,000 | $ 113,000 | $ 74,000 |
| Nolan, Texas | 5 | $ 415,000 | $ 83,000 | $ 92,000 |
| Grand, Colorado | 4 | $ 2,390,000 | $ 597,500 | $ 238,000 |
| Colfax, New Mexico | 4 | $ 1,210,000 | $ 302,500 | $ 117,000 |
| Andrews, Texas | 4 | $ 1,030,000 | $ 257,500 | $ 108,000 |
| Collin, Texas | 4 | $ 1,060,000 | $ 265,000 | $ 252,000 |
| Dawson, Texas | 4 | $ 900,000 | $ 225,000 | $ 261,000 |
| Howard, Texas | 4 | $ 200,000 | $ 50,000 | $ 104,000 |
| Johnson, Texas | 4 | $ 970,000 | $ 242,500 | $ 67,000 |
| Palo Pinto, Texas | 4 | $ 1,690,000 | $ 422,500 | $ 365,000 |
| Archuleta, Colorado | 3 | $ 1,575,000 | $ 525,000 | $ 336,000 |
| Jefferson, Colorado | 3 | $ 1,565,000 | $ 521,666 | $ 134,000 |
| Curry, New Mexico | 3 | $ 1,235,000 | $ 411,666 | $ 111,000 |
| Los Alamos, New Mexico | 3 | $ 1,505,000 | $ 501,666 | $ 225,000 |
| Sandoval, New Mexico | 3 | $ 915,000 | $ 305,000 | $ 126,000 |
| Valencia, New Mexico | 3 | $ 735,000 | $ 245,000 | $ 126,000 |
| Bexar, Texas | 3 | $ 1,025,000 | $ 341,666 | $ 476,000 |
| Borden, Texas | 3 | $ 555,000 | $ 185,000 | $ 98,000 |
| Cochran, Texas | 3 | $ 205,000 | $ 68,333 | $ 1,270,000 |
| Cooke, Texas | 3 | $ 535,000 | $ 178,333 | $ 85,000 |
| El Paso, Texas | 3 | $ 875,000 | $ 291,666 | $ 543,000 |
| Kaufman, Texas | 3 | $ 795,000 | $ 265,000 | $ 102,000 |
| Martin, Texas | 3 | $ 575,000 | $ 191,666 | $ 100,000 |
| Parmer, Texas | 3 | $ 535,000 | $ 178,333 | $ 80,000 |
| Randall, Texas | 3 | $ 1,255,000 | $ 418,333 | $ 199,000 |
| Wheeler, Texas | 3 | $ 145,000 | $ 48,333 | $ 85,000 |
| Pinal, Arizona | 2 | $ 530,000 | $ 265,000 | $ 99,000 |
| Adams, Colorado | 2 | $ 940,000 | $ 470,000 | $ 115,000 |
| Boulder, Colorado | 2 | $ 160,000 | $ 80,000 | $ 254,000 |
| Boone, Illinois | 2 | $ 1,290,000 | $ 645,000 | $ 200,000 |
| Sheridan, Montana | 2 | $ 470,000 | $ 235,000 | $ 262,000 |
| Lea, New Mexico | 2 | $ 480,000 | $ 240,000 | $ 105,000 |
| Quay, New Mexico | 2 | $ 150,000 | $ 75,000 | $ 15,000 |
| Union, New Mexico | 2 | $ 140,000 | $ 70,000 | $ 228,000 |
| Custer, Oklahoma | 2 | $ 590,000 | $ 295,000 | $ 105,000 |
| Bell, Texas | 2 | $ 500,000 | $ 250,000 | $ 162,000 |
| Fannin, Texas | 2 | $ 230,000 | $ 115,000 | $ 63,000 |
| Gillespie, Texas | 2 | $ 1,860,000 | $ 930,000 | $ 176,000 |
| Grayson, Texas | 2 | $ 490,000 | $ 245,000 | $ 61,000 |
| Hutchinson, Texas | 2 | $ 240,000 | $ 120,000 | $ 65,000 |
| Motley, Texas | 2 | $ 730,000 | $ 365,000 | $ 165,000 |
| Navarro, Texas | 2 | $ 220,000 | $ 110,000 | $ 77,000 |
| Potter, Texas | 2 | $ 220,000 | $ 110,000 | $ 78,000 |
| Roberts, Texas | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Rockwall, Texas | 2 | $ 750,000 | $ 375,000 | $ 261,000 |
| Travis, Texas | 2 | $ 780,000 | $ 390,000 | $ 415,000 |
| Sheboygan, Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 65,000 |
| Mobile, Alabama | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Coconino, Arizona | 1 | $ 255,000 | $ 255,000 | $ 250,000 |
| Riverside, California | 1 | $ 2,485,000 | $ 2,485,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 2,325,000 | $ 2,325,000 | $ 708,000 |
| Douglas, Colorado | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
| Eagle, Colorado | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Larimer, Colorado | 1 | $ 185,000 | $ 185,000 | $ 243,000 |
| Las Animas, Colorado | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Routt, Colorado | 1 | $ 405,000 | $ 405,000 | $ 287,000 |
| Cook, Illinois | 1 | $ 965,000 | $ 965,000 | $ 451,000 |
| Jo Daviess, Illinois | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Will, Illinois | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Winnebago, Illinois | 1 | $ 295,000 | $ 295,000 | $ 451,000 |
| Dubuque, Iowa | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| McLeod, Minnesota | 1 | $ 755,000 | $ 755,000 | $ 341,000 |
| Ramsey, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 181,000 |
| Washington, Minnesota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Cape Girardeau, Missouri | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Broadwater, Montana | 1 | $ 415,000 | $ 415,000 | $ 95,000 |
| Carbon, Montana | 1 | $ 555,000 | $ 555,000 | $ 123,000 |
| Gallatin, Montana | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Yellowstone, Montana | 1 | $ 495,000 | $ 495,000 | $ 104,000 |
| Dona Ana, New Mexico | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Eddy, New Mexico | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Mora, New Mexico | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Roosevelt, New Mexico | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| San Juan, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Beckham, Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 89,000 |
| Canadian, Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 99,000 |
| Cleveland, Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Logan, Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| McClain, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Briscoe, Texas | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Brown, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Burnet, Texas | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Callahan, Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Cameron, Texas | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Carson, Texas | 1 | $ 65,000 | $ 65,000 | $ 157,000 |
| Childress, Texas | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Coleman, Texas | 1 | $ 155,000 | $ 155,000 | $ 244,000 |
| Collingsworth, Texas | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Comal, Texas | 1 | $ 645,000 | $ 645,000 | $ 237,000 |
| Deaf Smith, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dickens, Texas | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
| Eastland, Texas | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Erath, Texas | 1 | $ 535,000 | $ 535,000 | $ 156,000 |
| Fisher, Texas | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Floyd, Texas | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Galveston, Texas | 1 | $ 965,000 | $ 965,000 | $ 454,000 |
| Grimes, Texas | 1 | $ 525,000 | $ 525,000 | $ 124,000 |
| Hardin, Texas | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Haskell, Texas | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Hill, Texas | 1 | $ 275,000 | $ 275,000 | $ 77,000 |
| Hunt, Texas | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Jack, Texas | 1 | $ 515,000 | $ 515,000 | $ 193,000 |
| Kent, Texas | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Montgomery, Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Nueces, Texas | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Runnels, Texas | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| Rusk, Texas | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Sabine, Texas | 1 | $ 435,000 | $ 435,000 | $ 232,000 |
| San Patricio, Texas | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Shackelford, Texas | 1 | $ 295,000 | $ 295,000 | $ 198,000 |
| Smith, Texas | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Somervell, Texas | 1 | $ 85,000 | $ 85,000 | $ 106,000 |
| Stephens, Texas | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Swisher, Texas | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Tom Green, Texas | 1 | $ 485,000 | $ 485,000 | $ 131,000 |
| Uvalde, Texas | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Van Zandt, Texas | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Victoria, Texas | 1 | $ 185,000 | $ 185,000 | $ 136,000 |
| Walker, Texas | 1 | $ 145,000 | $ 145,000 | $ 191,000 |
| Ward, Texas | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Washington, Texas | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Wilbarger, Texas | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Williamson, Texas | 1 | $ 845,000 | $ 845,000 | $ 302,000 |
| Winkler, Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wood, Texas | 1 | $ 245,000 | $ 245,000 | $ 198,000 |
| Young, Texas | 1 | $ 225,000 | $ 225,000 | $ 100,000 |
| Ozaukee, Wisconsin | 1 | $ 865,000 | $ 865,000 | $ 329,000 |
| Price, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Rock, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Sauk, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Wood, Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
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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