First Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, First Bank & Trust of Lubbock, TX reported 65 mortgage applications totaling $4.3 million, down 52% from 2003. The average application was for $66,261, and applicants reported an average income of $109,907. 89% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lubbock, TX (62) and Abilene, TX (1).
| 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 | 65 |
| Total Mortgage Loan Application Amount | $4,307,000 |
| Average Mortgage Loan Application Amount | $66,261 |
| Highest Mortgage Loan Application Amount | $194,000 |
| Average Applicant Income | $109,907 |
| Highest Applicant Income | $1,148,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for First Bank & Trust in 2004
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 | 32 | $1,809,000 | $56,000 | $148,000 | $88,000 | $267,000 |
| Home Improvement | 17 | $963,000 | $121,000 | $194,000 | $522,000 | $1,148,000 |
| Refinancing | 16 | $1,535,000 | $95,000 | $144,000 | $74,000 | $245,000 |
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 | 58 | $3,815,000 | $128,500 | $194,000 | $505,000 | $1,148,000 |
| Hispanic | 5 | $330,000 | $66,000 | $125,000 | $88,000 | $268,000 |
| American Indian or Alaskan Native | 1 | $113,000 | $113,000 | $113,000 | $78,000 | $78,000 |
| Not applicable | 1 | $49,000 | $49,000 | $49,000 | $68,000 | $68,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other 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) | 65 | $4,307,000 | $129,000 | $194,000 | $500,000 | $1,148,000 |
| 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 | 58 | $3,998,000 | $130,000 | $194,000 | $500,000 | $1,148,000 |
| Loan Purchased By The Institution | 5 | $202,000 | $40,000 | $65,000 | $81,000 | $110,000 |
| Application Denied By Financial Institution | 1 | $35,000 | $35,000 | $35,000 | $156,000 | $156,000 |
| Application Withdrawn By Applicant | 1 | $72,000 | $72,000 | $72,000 | $51,000 | $51,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $156,000 | $156,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2004 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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