First Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, First Bank & Trust of Lubbock, TX reported 2,835 mortgage applications totaling $664.3 million, down 13% from 2020. The average application was for $234,305, and applicants reported an average income of $131,255. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lubbock, TX (1,238), Fort Worth-Arlington, TX (248) and Wichita Falls, TX (177) (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 | 2,835 |
| Total Mortgage Loan Application Amount | $664,255,000 |
| Average Mortgage Loan Application Amount | $234,305 |
| Highest Mortgage Loan Application Amount | $15,675,000 |
| Average Applicant Income | $131,255 |
| Highest Applicant Income | $2,280,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,238 | $ 271,840,000 | $ 219,579 | $ 129,000 |
| Outside any metro area | 527 | $ 95,665,000 | $ 181,527 | $ 126,195 |
| Fort Worth-Arlington, TX | 248 | $ 71,190,000 | $ 287,056 | $ 137,000 |
| Wichita Falls, TX | 177 | $ 27,795,000 | $ 157,033 | $ 77,000 |
| Midland, TX | 173 | $ 49,775,000 | $ 287,716 | $ 136,000 |
| Dallas-Plano-Irving, TX | 164 | $ 42,720,000 | $ 260,487 | $ 142,000 |
| Phoenix-Mesa-Scottsdale, AZ | 38 | $ 17,920,000 | $ 471,578 | $ 271,000 |
| Santa Fe, NM | 34 | $ 12,750,000 | $ 375,000 | $ 178,000 |
| Albuquerque, NM | 33 | $ 9,485,000 | $ 287,424 | $ 179,000 |
| Abilene, TX | 30 | $ 22,060,000 | $ 735,333 | $ 155,000 |
| Rockford, IL | 24 | $ 4,300,000 | $ 179,166 | $ 151,000 |
| Odessa, TX | 23 | $ 5,065,000 | $ 220,217 | $ 125,000 |
| Houston-The Woodlands-Sugar Land, TX | 22 | $ 7,340,000 | $ 333,636 | $ 165,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 4,185,000 | $ 380,454 | $ 148,000 |
| Sheboygan, WI | 10 | $ 1,230,000 | $ 123,000 | $ 82,000 |
| Amarillo, TX | 8 | $ 1,870,000 | $ 233,750 | $ 128,000 |
| Austin-Round Rock, TX | 7 | $ 1,455,000 | $ 207,857 | $ 122,000 |
| College Station-Bryan, TX | 7 | $ 1,755,000 | $ 250,714 | $ 85,000 |
| San Angelo, TX | 7 | $ 2,055,000 | $ 293,571 | $ 136,000 |
| Madison, WI | 5 | $ 1,065,000 | $ 213,000 | $ 138,000 |
| Sherman-Denison, TX | 5 | $ 865,000 | $ 173,000 | $ 61,000 |
| Waco, TX | 5 | $ 825,000 | $ 165,000 | $ 100,000 |
| Corpus Christi, TX | 4 | $ 1,210,000 | $ 302,500 | $ 389,000 |
| Farmington, NM | 4 | $ 1,260,000 | $ 315,000 | $ 154,000 |
| Killeen-Temple, TX | 4 | $ 850,000 | $ 212,500 | $ 260,000 |
| Lawton, OK | 3 | $ 195,000 | $ 65,000 | $ 96,000 |
| Billings, MT | 2 | $ 600,000 | $ 300,000 | $ 92,000 |
| Fond Du Lac, WI | 2 | $ 490,000 | $ 245,000 | $ 88,000 |
| Longview, TX | 2 | $ 480,000 | $ 240,000 | $ 99,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 460,000 | $ 230,000 | $ 160,000 |
| Oklahoma City, OK | 2 | $ 580,000 | $ 290,000 | $ 21,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,030,000 | $ 515,000 | $ 222,000 |
| Tyler, TX | 2 | $ 380,000 | $ 190,000 | $ 209,000 |
| Boulder, CO | 1 | $ 405,000 | $ 405,000 | $ 264,000 |
| Brownsville-Harlingen, TX | 1 | $ 305,000 | $ 305,000 | $ 187,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 535,000 | $ 535,000 | $ 156,000 |
| Elgin, IL | 1 | $ 545,000 | $ 545,000 | $ 244,000 |
| Grand Junction, CO | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Janesville-Beloit, WI | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Johnson City, TN | 1 | $ 185,000 | $ 185,000 | $ 31,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 365,000 | $ 365,000 | $ 142,000 |
| Springfield, MO | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Tucson, AZ | 1 | $ 515,000 | $ 515,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust in 2021
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 | 1,706 | $414,450,000 | $242,000 | $15,675,000 | $125,000 | $2,280,000 |
| Refinancing | 636 | $147,030,000 | $231,000 | $1,505,000 | $150,000 | $1,773,000 |
| Cash-out Refinancing | 360 | $86,030,000 | $238,000 | $1,235,000 | $124,000 | $570,000 |
| Home Improvement | 83 | $7,405,000 | $89,000 | $535,000 | $146,000 | $669,000 |
| Other Purpose | 50 | $9,340,000 | $186,000 | $865,000 | $134,000 | $522,000 |
| 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 | 1,930 | $471,940,000 | $244,000 | $2,505,000 | $139,000 | $2,280,000 |
| Hispanic | 446 | $83,690,000 | $187,000 | $1,765,000 | $96,000 | $776,000 |
| Not Provided | 214 | $47,950,000 | $224,000 | $1,365,000 | $140,000 | $1,353,000 |
| Not applicable | 134 | $36,200,000 | $270,000 | $15,675,000 | $0 | $0 |
| Black or African American | 58 | $13,380,000 | $230,000 | $725,000 | $106,000 | $260,000 |
| Asian | 32 | $7,440,000 | $232,000 | $1,235,000 | $133,000 | $580,000 |
| American Indian or Alaskan Native | 18 | $3,090,000 | $171,000 | $545,000 | $86,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $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) | 2,265 | $550,295,000 | $242,000 | $15,675,000 | $145,000 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 442 | $83,370,000 | $188,000 | $425,000 | $79,000 | $1,742,000 |
| VA-guaranteed (Veterans Administration) | 107 | $28,135,000 | $262,000 | $725,000 | $97,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,455,000 | $116,000 | $275,000 | $48,000 | $87,000 |
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 | 2,126 | $499,580,000 | $234,000 | $15,675,000 | $129,000 | $1,773,000 |
| Application Withdrawn By Applicant | 486 | $125,650,000 | $258,000 | $2,505,000 | $153,000 | $2,280,000 |
| Application Denied By Financial Institution | 201 | $35,275,000 | $175,000 | $845,000 | $97,000 | $1,082,000 |
| Application Approved But Not Accepted | 18 | $3,200,000 | $177,000 | $675,000 | $162,000 | $438,000 |
| Loan Purchased By The Institution | 4 | $550,000 | $137,000 | $315,000 | $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 | 2,634 | $628,980,000 | $238,000 | $15,675,000 | $134,000 | $2,280,000 |
| Debt-To-Income Ratio | 77 | $14,745,000 | $191,000 | $845,000 | $67,000 | $197,000 |
| Credit History | 52 | $5,690,000 | $109,000 | $545,000 | $83,000 | $225,000 |
| Collateral | 31 | $7,035,000 | $226,000 | $515,000 | $162,000 | $1,082,000 |
| Credit Application Incomplete | 25 | $4,695,000 | $187,000 | $505,000 | $133,000 | $390,000 |
| Employment History | 6 | $1,110,000 | $185,000 | $445,000 | $60,000 | $100,000 |
| Other | 5 | $1,185,000 | $237,000 | $485,000 | $99,000 | $200,000 |
| Unverifiable Information | 3 | $585,000 | $195,000 | $305,000 | $153,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $125,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2021 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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