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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for First Bank & Trust by County in 2022

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

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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