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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,552 | $ 333,010,000 | $ 214,568 | $ 134,000 |
| Outside any metro area | 399 | $ 90,645,000 | $ 227,180 | $ 142,313 |
| Fort Worth-Arlington, TX | 314 | $ 84,670,000 | $ 269,649 | $ 158,000 |
| Wichita Falls, TX | 250 | $ 37,280,000 | $ 149,120 | $ 78,000 |
| Dallas-Plano-Irving, TX | 214 | $ 53,310,000 | $ 249,112 | $ 135,000 |
| Midland, TX | 201 | $ 56,665,000 | $ 281,915 | $ 122,000 |
| Rockford, IL | 37 | $ 6,505,000 | $ 175,810 | $ 163,000 |
| Denver-Aurora-Lakewood, CO | 31 | $ 13,285,000 | $ 428,548 | $ 239,000 |
| Albuquerque, NM | 29 | $ 7,835,000 | $ 270,172 | $ 192,000 |
| Santa Fe, NM | 27 | $ 8,735,000 | $ 323,518 | $ 165,000 |
| Sheboygan, WI | 19 | $ 3,095,000 | $ 162,894 | $ 83,000 |
| College Station-Bryan, TX | 18 | $ 5,040,000 | $ 280,000 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 4,690,000 | $ 260,555 | $ 142,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 5,870,000 | $ 366,875 | $ 201,000 |
| Abilene, TX | 15 | $ 3,055,000 | $ 203,666 | $ 115,000 |
| Odessa, TX | 15 | $ 3,845,000 | $ 256,333 | $ 138,000 |
| Madison, WI | 14 | $ 2,660,000 | $ 190,000 | $ 157,000 |
| Amarillo, TX | 10 | $ 1,990,000 | $ 199,000 | $ 222,000 |
| San Antonio-New Braunfels, TX | 10 | $ 2,680,000 | $ 268,000 | $ 143,000 |
| Billings, MT | 8 | $ 2,010,000 | $ 251,250 | $ 113,000 |
| Austin-Round Rock, TX | 7 | $ 1,755,000 | $ 250,714 | $ 79,000 |
| San Angelo, TX | 7 | $ 23,765,000 | $ 3,395,000 | $ 194,000 |
| Corpus Christi, TX | 5 | $ 1,035,000 | $ 207,000 | $ 109,000 |
| Chicago-Naperville, IL | 4 | $ 1,540,000 | $ 385,000 | $ 373,000 |
| Waco, TX | 4 | $ 1,220,000 | $ 305,000 | $ 174,000 |
| Boulder, CO | 3 | $ 1,355,000 | $ 451,666 | $ 218,000 |
| Farmington, NM | 3 | $ 835,000 | $ 278,333 | $ 116,000 |
| Greeley, CO | 3 | $ 965,000 | $ 321,666 | $ 225,000 |
| Janesville-Beloit, WI | 3 | $ 575,000 | $ 191,666 | $ 373,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 785,000 | $ 261,666 | $ 181,000 |
| Sherman-Denison, TX | 3 | $ 745,000 | $ 248,333 | $ 119,000 |
| Dubuque, IA | 2 | $ 820,000 | $ 410,000 | $ 465,000 |
| Oklahoma City, OK | 2 | $ 280,000 | $ 140,000 | $ 226,000 |
| Colorado Springs, CO | 1 | $ 505,000 | $ 505,000 | $ 68,000 |
| Elgin, IL | 1 | $ 225,000 | $ 225,000 | $ 488,000 |
| Flagstaff, AZ | 1 | $ 225,000 | $ 225,000 | $ 226,000 |
| Fond Du Lac, WI | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Fort Collins, CO | 1 | $ 275,000 | $ 275,000 | $ 200,000 |
| Great Falls, MT | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Iowa City, IA | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Johnson City, TN | 1 | $ 165,000 | $ 165,000 | $ 32,000 |
| Kansas City, MO-KS | 1 | $ 415,000 | $ 415,000 | $ 131,000 |
| Killeen-Temple, TX | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Missoula, MT | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Raleigh, NC | 1 | $ 505,000 | $ 505,000 | $ 89,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Tucson, AZ | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
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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