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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lubbock, TX | 764 | $ 189,440,000 | $ 247,958 | $ 149,000 |
| Outside any metro area | 382 | $ 70,940,000 | $ 185,706 | $ 133,007 |
| Fort Worth-Arlington, TX | 136 | $ 54,930,000 | $ 403,897 | $ 150,000 |
| Wichita Falls, TX | 108 | $ 17,560,000 | $ 162,592 | $ 88,000 |
| Midland, TX | 105 | $ 32,565,000 | $ 310,142 | $ 141,000 |
| Dallas-Plano-Irving, TX | 60 | $ 16,230,000 | $ 270,500 | $ 150,000 |
| Albuquerque, NM | 33 | $ 9,905,000 | $ 300,151 | $ 153,000 |
| Odessa, TX | 28 | $ 6,730,000 | $ 240,357 | $ 95,000 |
| Abilene, TX | 25 | $ 33,065,000 | $ 1,322,600 | $ 122,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 10,750,000 | $ 671,875 | $ 333,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 6,600,000 | $ 550,000 | $ 177,000 |
| Santa Fe, NM | 9 | $ 3,255,000 | $ 361,666 | $ 179,000 |
| College Station-Bryan, TX | 8 | $ 1,740,000 | $ 217,500 | $ 122,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 5,000,000 | $ 625,000 | $ 202,000 |
| Amarillo, TX | 6 | $ 1,540,000 | $ 256,666 | $ 151,000 |
| Oklahoma City, OK | 4 | $ 1,190,000 | $ 297,500 | $ 115,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,670,000 | $ 417,500 | $ 416,000 |
| Austin-Round Rock, TX | 3 | $ 1,625,000 | $ 541,666 | $ 377,000 |
| El Paso, TX | 3 | $ 875,000 | $ 291,666 | $ 543,000 |
| Rockford, IL | 3 | $ 1,585,000 | $ 528,333 | $ 284,000 |
| Billings, MT | 2 | $ 1,050,000 | $ 525,000 | $ 113,000 |
| Boulder, CO | 2 | $ 160,000 | $ 80,000 | $ 254,000 |
| Chicago-Naperville, IL | 2 | $ 1,170,000 | $ 585,000 | $ 268,000 |
| Corpus Christi, TX | 2 | $ 1,350,000 | $ 675,000 | $ 50,000 |
| Killeen-Temple, TX | 2 | $ 500,000 | $ 250,000 | $ 162,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 430,000 | $ 215,000 | $ 181,000 |
| Sheboygan, WI | 2 | $ 310,000 | $ 155,000 | $ 65,000 |
| Sherman-Denison, TX | 2 | $ 490,000 | $ 245,000 | $ 61,000 |
| Beaumont-Port Arthur, TX | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Brownsville-Harlingen, TX | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Cape Girardeau, MO-IL | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Dubuque, IA | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| Farmington, NM | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Flagstaff, AZ | 1 | $ 255,000 | $ 255,000 | $ 250,000 |
| Fort Collins, CO | 1 | $ 185,000 | $ 185,000 | $ 243,000 |
| Janesville-Beloit, WI | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Las Cruces, NM | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Longview, TX | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 865,000 | $ 865,000 | $ 329,000 |
| Mobile, AL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 2,485,000 | $ 2,485,000 | $ 0 |
| San Angelo, TX | 1 | $ 485,000 | $ 485,000 | $ 131,000 |
| Tyler, TX | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Victoria, TX | 1 | $ 185,000 | $ 185,000 | $ 136,000 |
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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