First Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, First Bank & Trust of Lubbock, TX reported 135 mortgage applications totaling $8.7 million. The average application was for $64,644, and applicants reported an average income of $114,459. 79% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lubbock, TX (128), Abilene, TX (1) and Wichita Falls, TX (1) (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 | 135 |
| Total Mortgage Loan Application Amount | $8,727,000 |
| Average Mortgage Loan Application Amount | $64,644 |
| Highest Mortgage Loan Application Amount | $344,000 |
| Average Applicant Income | $114,459 |
| Highest Applicant Income | $649,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 8,511,000 | $ 66,492 | $ 128,000 |
| Abilene, TX | 1 | $ 8,000 | $ 8,000 | $ 42,000 |
| Wichita Falls, TX | 1 | $ 34,000 | $ 34,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2003
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 (one-to-four family) | 82 | $5,638,000 | $75,000 | $344,000 | $242,000 | $649,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 32 | $2,172,000 | $67,000 | $198,000 | $104,000 | $198,000 |
| Home Improvement (one-to-four family) | 20 | $632,000 | $31,000 | $150,000 | $142,000 | $555,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $285,000 | $285,000 | $285,000 | $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 | 117 | $7,817,000 | $74,000 | $344,000 | $246,500 | $649,000 |
| Not applicable | 6 | $416,000 | $69,000 | $285,000 | $93,000 | $200,000 |
| Hispanic | 4 | $118,000 | $29,000 | $50,000 | $93,000 | $140,000 |
| Information not provided by applicant in mail or telephone application | 3 | $194,000 | $64,000 | $66,000 | $115,000 | $125,000 |
| American Indian or Alaskan Native | 3 | $152,000 | $50,000 | $115,000 | $255,000 | $555,000 |
| Black | 2 | $30,000 | $15,000 | $16,000 | $25,000 | $36,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 135 | $8,727,000 | $73,000 | $344,000 | $243,500 | $649,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 107 | $6,460,000 | $71,000 | $198,000 | $244,500 | $649,000 |
| Loan Purchased By The Institution | 16 | $1,220,000 | $76,000 | $344,000 | $171,000 | $362,000 |
| Application Withdrawn By Applicant | 7 | $647,000 | $92,000 | $285,000 | $60,000 | $137,000 |
| Application Denied By Financial Institution | 5 | $400,000 | $80,000 | $125,000 | $55,000 | $76,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $382,000 | $95,000 | $125,000 | $53,000 | $76,000 |
| Collateral | 1 | $18,000 | $18,000 | $18,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2003 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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