First Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, First Bank & Trust of Lubbock, TX reported 146 mortgage applications totaling $6.9 million, up 76% from 2005. The average application was for $47,198, and applicants reported an average income of $96,205. 21% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Lubbock, TX (126), Dallas-Plano-Irving, TX (5) and Abilene, 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 | 146 |
| Total Mortgage Loan Application Amount | $6,891,000 |
| Average Mortgage Loan Application Amount | $47,198 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $96,205 |
| Highest Applicant Income | $439,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006
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 | 115 | $5,807,000 | $50,000 | $1,200,000 | $100,000 | $439,000 |
| Home Improvement | 26 | $725,000 | $27,000 | $275,000 | $76,000 | $329,000 |
| Refinancing | 5 | $359,000 | $71,000 | $127,000 | $114,000 | $240,000 |
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 | 112 | $6,070,000 | $54,000 | $1,200,000 | $104,000 | $439,000 |
| Hispanic | 22 | $380,000 | $17,000 | $43,000 | $62,000 | $168,000 |
| Not Provided | 4 | $67,000 | $16,000 | $30,000 | $86,000 | $200,000 |
| Not applicable | 3 | $249,000 | $83,000 | $130,000 | $69,000 | $198,000 |
| Asian | 2 | $63,000 | $31,000 | $35,000 | $100,000 | $135,000 |
| Black or African American | 2 | $42,000 | $21,000 | $27,000 | $115,000 | $147,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $60,000 | $60,000 |
| 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) | 146 | $6,891,000 | $47,000 | $1,200,000 | $96,000 | $439,000 |
| 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 Purchased By The Institution | 100 | $3,513,000 | $35,000 | $260,000 | $103,000 | $439,000 |
| Loan Originated | 31 | $1,633,000 | $52,000 | $275,000 | $91,000 | $372,000 |
| Application Denied By Financial Institution | 12 | $1,470,000 | $122,000 | $1,200,000 | $60,000 | $118,000 |
| Application Withdrawn By Applicant | 3 | $275,000 | $91,000 | $127,000 | $52,000 | $63,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $22,000 | $22,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2006 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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