First Bank & Trust Mortgage Lending & HMDA Data, 2020

In 2020, First Bank & Trust of Lubbock, TX reported 3,260 mortgage applications totaling $766.1 million, up 1840% from 2019. The average application was for $234,996, and applicants reported an average income of $135,688. 78% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Lubbock, TX (1,552), Fort Worth-Arlington, TX (314) and Wichita Falls, TX (250) (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 3,260
Total Mortgage Loan Application Amount $766,090,000
Average Mortgage Loan Application Amount $234,996
Highest Mortgage Loan Application Amount $22,835,000
Average Applicant Income $135,688
Highest Applicant Income $4,316,000

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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lubbock, Texas 1,503 $ 321,085,000 $ 213,629 $ 135,000
Wichita, Texas 235 $ 34,805,000 $ 148,106 $ 77,000
Wise, Texas 229 $ 62,525,000 $ 273,034 $ 147,000
Midland, Texas 200 $ 56,300,000 $ 281,500 $ 122,000
Ellis, Texas 114 $ 27,380,000 $ 240,175 $ 125,000
Hockley, Texas 64 $ 11,140,000 $ 174,062 $ 97,000
Dallas, Texas 53 $ 12,535,000 $ 236,509 $ 160,000
Tarrant, Texas 53 $ 13,595,000 $ 256,509 $ 155,000
Lynn, Texas 43 $ 11,135,000 $ 258,953 $ 128,000
Winnebago, Illinois 34 $ 5,770,000 $ 169,705 $ 156,000
Scurry, Texas 32 $ 5,390,000 $ 168,437 $ 130,000
Denton, Texas 31 $ 8,435,000 $ 272,096 $ 121,000
Santa Fe, New Mexico 27 $ 8,735,000 $ 323,518 $ 165,000
Parker, Texas 23 $ 6,715,000 $ 291,956 $ 297,000
Bernalillo, New Mexico 20 $ 5,800,000 $ 290,000 $ 203,000
Sheboygan, Wisconsin 19 $ 3,095,000 $ 162,894 $ 83,000
Brazos, Texas 18 $ 5,040,000 $ 280,000 $ 90,000
Lincoln, New Mexico 17 $ 4,765,000 $ 280,294 $ 244,000
Maricopa, Arizona 16 $ 5,870,000 $ 366,875 $ 201,000
Gaines, Texas 16 $ 3,130,000 $ 195,625 $ 97,000
Hale, Texas 16 $ 2,580,000 $ 161,250 $ 84,000
Ector, Texas 15 $ 3,845,000 $ 256,333 $ 138,000
Montague, Texas 15 $ 2,875,000 $ 191,666 $ 82,000
Terry, Texas 12 $ 1,570,000 $ 130,833 $ 91,000
Dane, Wisconsin 11 $ 2,525,000 $ 229,545 $ 187,000
Eagle, Colorado 10 $ 5,870,000 $ 587,000 $ 241,000
Archer, Texas 10 $ 1,730,000 $ 173,000 $ 104,000
Cooke, Texas 10 $ 2,790,000 $ 279,000 $ 176,000
Mitchell, Texas 10 $ 810,000 $ 81,000 $ 85,000
Bailey, Texas 9 $ 1,325,000 $ 147,222 $ 96,000
Collin, Texas 9 $ 2,565,000 $ 285,000 $ 125,000
Johnson, Texas 9 $ 1,835,000 $ 203,888 $ 86,000
Taylor, Texas 9 $ 2,165,000 $ 240,555 $ 89,000
Denver, Colorado 8 $ 2,950,000 $ 368,750 $ 158,000
Lamb, Texas 8 $ 990,000 $ 123,750 $ 112,000
Arapahoe, Colorado 7 $ 4,325,000 $ 617,857 $ 314,000
Jefferson, Colorado 7 $ 2,425,000 $ 346,428 $ 315,000
Jo Daviess, Illinois 7 $ 1,765,000 $ 252,142 $ 476,000
Yellowstone, Montana 7 $ 1,675,000 $ 239,285 $ 94,000
Dawson, Texas 7 $ 1,775,000 $ 253,571 $ 141,000
Harris, Texas 7 $ 1,535,000 $ 219,285 $ 105,000
Tom Green, Texas 7 $ 23,765,000 $ 3,395,000 $ 194,000
Douglas, Colorado 6 $ 3,080,000 $ 513,333 $ 244,000
Crosby, Texas 6 $ 790,000 $ 131,666 $ 66,000
Hood, Texas 6 $ 1,520,000 $ 253,333 $ 98,000
Rockwall, Texas 6 $ 2,090,000 $ 348,333 $ 177,000
Los Alamos, New Mexico 5 $ 1,555,000 $ 311,000 $ 227,000
Sandoval, New Mexico 5 $ 1,095,000 $ 219,000 $ 187,000
Andrews, Texas 5 $ 1,635,000 $ 327,000 $ 150,000
Bexar, Texas 5 $ 1,095,000 $ 219,000 $ 146,000
Clay, Texas 5 $ 745,000 $ 149,000 $ 53,000
Llano, Texas 5 $ 4,225,000 $ 845,000 $ 510,000
Montgomery, Texas 5 $ 1,115,000 $ 223,000 $ 148,000
Palo Pinto, Texas 5 $ 2,135,000 $ 427,000 $ 409,000
Parmer, Texas 5 $ 1,085,000 $ 217,000 $ 159,000
Randall, Texas 5 $ 1,045,000 $ 209,000 $ 105,000
Yoakum, Texas 5 $ 1,345,000 $ 269,000 $ 155,000
Gallatin, Montana 4 $ 1,500,000 $ 375,000 $ 207,000
Valencia, New Mexico 4 $ 940,000 $ 235,000 $ 145,000
Callahan, Texas 4 $ 690,000 $ 172,500 $ 140,000
Erath, Texas 4 $ 1,010,000 $ 252,500 $ 148,000
Floyd, Texas 4 $ 410,000 $ 102,500 $ 101,000
Garza, Texas 4 $ 710,000 $ 177,500 $ 73,000
Gray, Texas 4 $ 570,000 $ 142,500 $ 102,000
McLennan, Texas 4 $ 1,220,000 $ 305,000 $ 174,000
Nolan, Texas 4 $ 750,000 $ 187,500 $ 98,000
Potter, Texas 4 $ 730,000 $ 182,500 $ 440,000
Boulder, Colorado 3 $ 1,355,000 $ 451,666 $ 218,000
Weld, Colorado 3 $ 965,000 $ 321,666 $ 225,000
Boone, Illinois 3 $ 735,000 $ 245,000 $ 244,000
DuPage, Illinois 3 $ 1,335,000 $ 445,000 $ 449,000
Ogle, Illinois 3 $ 625,000 $ 208,333 $ 83,000
Flathead, Montana 3 $ 865,000 $ 288,333 $ 107,000
Ravalli, Montana 3 $ 1,095,000 $ 365,000 $ 172,000
Colfax, New Mexico 3 $ 815,000 $ 271,666 $ 198,000
Curry, New Mexico 3 $ 385,000 $ 128,333 $ 58,000
Quay, New Mexico 3 $ 105,000 $ 35,000 $ 86,000
San Juan, New Mexico 3 $ 835,000 $ 278,333 $ 116,000
Baylor, Texas 3 $ 415,000 $ 138,333 $ 69,000
Comal, Texas 3 $ 925,000 $ 308,333 $ 143,000
Galveston, Texas 3 $ 1,015,000 $ 338,333 $ 157,000
Grayson, Texas 3 $ 745,000 $ 248,333 $ 119,000
Kent, Texas 3 $ 575,000 $ 191,666 $ 192,000
San Patricio, Texas 3 $ 545,000 $ 181,666 $ 56,000
Stephens, Texas 3 $ 645,000 $ 215,000 $ 138,000
Travis, Texas 3 $ 835,000 $ 278,333 $ 61,000
Young, Texas 3 $ 245,000 $ 81,666 $ 30,000
Green, Wisconsin 3 $ 135,000 $ 45,000 $ 47,000
Manitowoc, Wisconsin 3 $ 555,000 $ 185,000 $ 79,000
Rock, Wisconsin 3 $ 575,000 $ 191,666 $ 373,000
Grand, Colorado 2 $ 600,000 $ 300,000 $ 150,000
Dubuque, Iowa 2 $ 820,000 $ 410,000 $ 465,000
Jefferson, Montana 2 $ 490,000 $ 245,000 $ 120,000
Sanders, Montana 2 $ 470,000 $ 235,000 $ 74,000
Sheridan, Montana 2 $ 480,000 $ 240,000 $ 140,000
Lea, New Mexico 2 $ 230,000 $ 115,000 $ 199,000
Taos, New Mexico 2 $ 980,000 $ 490,000 $ 149,000
Aransas, Texas 2 $ 440,000 $ 220,000 $ 61,000
Brown, Texas 2 $ 2,370,000 $ 1,185,000 $ 464,000
Burnet, Texas 2 $ 960,000 $ 480,000 $ 349,000
Castro, Texas 2 $ 270,000 $ 135,000 $ 72,000
Childress, Texas 2 $ 220,000 $ 110,000 $ 94,000
Cochran, Texas 2 $ 290,000 $ 145,000 $ 74,000
Fort Bend, Texas 2 $ 820,000 $ 410,000 $ 182,000
Franklin, Texas 2 $ 530,000 $ 265,000 $ 79,000
Haskell, Texas 2 $ 220,000 $ 110,000 $ 58,000
Hays, Texas 2 $ 560,000 $ 280,000 $ 100,000
Jones, Texas 2 $ 200,000 $ 100,000 $ 141,000
Navarro, Texas 2 $ 480,000 $ 240,000 $ 241,000
Nueces, Texas 2 $ 490,000 $ 245,000 $ 188,000
Wheeler, Texas 2 $ 370,000 $ 185,000 $ 34,000
Williamson, Texas 2 $ 360,000 $ 180,000 $ 85,000
Milwaukee, Wisconsin 2 $ 420,000 $ 210,000 $ 106,000
Sawyer, Wisconsin 2 $ 1,120,000 $ 560,000 $ 160,000
Coconino, Arizona 1 $ 225,000 $ 225,000 $ 226,000
Navajo, Arizona 1 $ 515,000 $ 515,000 $ 428,000
Pima, Arizona 1 $ 245,000 $ 245,000 $ 83,000
Adams, Colorado 1 $ 255,000 $ 255,000 $ 184,000
Archuleta, Colorado 1 $ 345,000 $ 345,000 $ 188,000
Broomfield, Colorado 1 $ 215,000 $ 215,000 $ 84,000
Clear Creek, Colorado 1 $ 35,000 $ 35,000 $ 14,000
El Paso, Colorado 1 $ 505,000 $ 505,000 $ 68,000
Gunnison, Colorado 1 $ 395,000 $ 395,000 $ 235,000
Hinsdale, Colorado 1 $ 345,000 $ 345,000 $ 316,000
Larimer, Colorado 1 $ 275,000 $ 275,000 $ 200,000
Summit, Colorado 1 $ 465,000 $ 465,000 $ 289,000
Cook, Illinois 1 $ 205,000 $ 205,000 $ 143,000
Kane, Illinois 1 $ 225,000 $ 225,000 $ 488,000
St. Joseph, Indiana 1 $ 105,000 $ 105,000 $ 56,000
Washington, Iowa 1 $ 95,000 $ 95,000 $ 51,000
Johnson, Kansas 1 $ 415,000 $ 415,000 $ 131,000
Carbon, Montana 1 $ 335,000 $ 335,000 $ 247,000
Cascade, Montana 1 $ 175,000 $ 175,000 $ 38,000
Lake, Montana 1 $ 285,000 $ 285,000 $ 167,000
Madison, Montana 1 $ 55,000 $ 55,000 $ 6,000
Missoula, Montana 1 $ 235,000 $ 235,000 $ 0
Richland, Montana 1 $ 345,000 $ 345,000 $ 372,000
Sweet Grass, Montana 1 $ 385,000 $ 385,000 $ 135,000
Valley, Montana 1 $ 165,000 $ 165,000 $ 64,000
Chaves, New Mexico 1 $ 115,000 $ 115,000 $ 125,000
Eddy, New Mexico 1 $ 325,000 $ 325,000 $ 115,000
Roosevelt, New Mexico 1 $ 85,000 $ 85,000 $ 0
Socorro, New Mexico 1 $ 75,000 $ 75,000 $ 87,000
Union, New Mexico 1 $ 45,000 $ 45,000 $ 0
Wake, North Carolina 1 $ 505,000 $ 505,000 $ 89,000
Canadian, Oklahoma 1 $ 155,000 $ 155,000 $ 64,000
Carter, Oklahoma 1 $ 245,000 $ 245,000 $ 214,000
McCurtain, Oklahoma 1 $ 315,000 $ 315,000 $ 132,000
Oklahoma, Oklahoma 1 $ 125,000 $ 125,000 $ 389,000
Washington, Tennessee 1 $ 165,000 $ 165,000 $ 32,000
Brazoria, Texas 1 $ 205,000 $ 205,000 $ 257,000
Brewster, Texas 1 $ 275,000 $ 275,000 $ 134,000
Carson, Texas 1 $ 215,000 $ 215,000 $ 153,000
Comanche, Texas 1 $ 265,000 $ 265,000 $ 96,000
Dallam, Texas 1 $ 135,000 $ 135,000 $ 52,000
Dickens, Texas 1 $ 45,000 $ 45,000 $ 87,000
Donley, Texas 1 $ 265,000 $ 265,000 $ 101,000
Hartley, Texas 1 $ 365,000 $ 365,000 $ 187,000
Henderson, Texas 1 $ 165,000 $ 165,000 $ 101,000
Hill, Texas 1 $ 95,000 $ 95,000 $ 37,000
Hunt, Texas 1 $ 305,000 $ 305,000 $ 113,000
Kendall, Texas 1 $ 295,000 $ 295,000 $ 150,000
Lampasas, Texas 1 $ 225,000 $ 225,000 $ 122,000
Leon, Texas 1 $ 95,000 $ 95,000 $ 40,000
Limestone, Texas 1 $ 205,000 $ 205,000 $ 404,000
Martin, Texas 1 $ 365,000 $ 365,000 $ 227,000
McCulloch, Texas 1 $ 75,000 $ 75,000 $ 44,000
Moore, Texas 1 $ 205,000 $ 205,000 $ 155,000
Pecos, Texas 1 $ 185,000 $ 185,000 $ 57,000
Rains, Texas 1 $ 275,000 $ 275,000 $ 136,000
Reagan, Texas 1 $ 75,000 $ 75,000 $ 52,000
Somervell, Texas 1 $ 365,000 $ 365,000 $ 143,000
Throckmorton, Texas 1 $ 225,000 $ 225,000 $ 239,000
Uvalde, Texas 1 $ 205,000 $ 205,000 $ 120,000
Wilson, Texas 1 $ 365,000 $ 365,000 $ 125,000
Fond du Lac, Wisconsin 1 $ 145,000 $ 145,000 $ 45,000
Grant, Wisconsin 1 $ 145,000 $ 145,000 $ 67,000
Lafayette, Wisconsin 1 $ 175,000 $ 175,000 $ 129,000
Marquette, Wisconsin 1 $ 85,000 $ 85,000 $ 157,000
Waukesha, Wisconsin 1 $ 365,000 $ 365,000 $ 331,000
Waupaca, Wisconsin 1 $ 145,000 $ 145,000 $ 94,000

Mortgage Loan Application Detail Totals for First Bank & Trust in 2020

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 1,898 $438,770,000 $231,000 $22,835,000 $114,000 $2,681,000
Refinancing 890 $220,280,000 $247,000 $1,575,000 $170,000 $4,316,000
Cash-out Refinancing 420 $99,380,000 $236,000 $745,000 $157,000 $2,023,000
Other Purpose 32 $6,380,000 $199,000 $515,000 $181,000 $802,000
Home Improvement 20 $1,280,000 $64,000 $215,000 $147,000 $350,000
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 2,319 $553,225,000 $238,000 $2,485,000 $145,000 $3,210,000
Hispanic 519 $99,445,000 $191,000 $975,000 $92,000 $750,000
Not Provided 188 $48,560,000 $258,000 $1,175,000 $167,000 $4,316,000
Not applicable 89 $37,105,000 $416,000 $22,835,000 $0 $0
Black or African American 67 $13,385,000 $199,000 $495,000 $93,000 $257,000
Asian 59 $10,915,000 $185,000 $575,000 $120,000 $753,000
American Indian or Alaskan Native 18 $2,990,000 $166,000 $515,000 $68,000 $161,000
Native Hawaiian or Other Pacific Islander 1 $465,000 $465,000 $465,000 $157,000 $157,000

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) 2,397 $605,575,000 $252,000 $22,835,000 $158,000 $4,316,000
FHA-insured (Federal Housing Administration) 723 $128,625,000 $177,000 $405,000 $73,000 $556,000
VA-guaranteed (Veterans Administration) 119 $29,055,000 $244,000 $605,000 $94,000 $364,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $2,835,000 $135,000 $235,000 $60,000 $93,000

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 2,542 $603,600,000 $237,000 $22,835,000 $138,000 $4,316,000
Application Withdrawn By Applicant 542 $129,540,000 $239,000 $2,405,000 $138,000 $1,330,000
Application Denied By Financial Institution 159 $30,325,000 $190,000 $975,000 $93,000 $1,268,000
Application Approved But Not Accepted 14 $1,950,000 $139,000 $315,000 $135,000 $372,000
Loan Purchased By The Institution 3 $675,000 $225,000 $455,000 $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 3,101 $735,765,000 $237,000 $22,835,000 $138,000 $4,316,000
Credit History 51 $7,795,000 $152,000 $375,000 $88,000 $365,000
Debt-To-Income Ratio 46 $9,590,000 $208,000 $515,000 $81,000 $486,000
Collateral 27 $6,165,000 $228,000 $975,000 $136,000 $1,268,000
Other 17 $3,745,000 $220,000 $475,000 $97,000 $304,000
Employment History 9 $1,615,000 $179,000 $255,000 $75,000 $194,000
Unverifiable Information 5 $765,000 $153,000 $375,000 $47,000 $107,000
Credit Application Incomplete 2 $210,000 $105,000 $155,000 $72,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 2 $440,000 $220,000 $265,000 $68,000 $83,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2020 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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