First Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, First Bank & Trust of Lubbock, TX reported 159 mortgage applications totaling $13.1 million, up 9% from 2006. The average application was for $82,383, and applicants reported an average income of $130,389. 39% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lubbock, TX (142), Fort Worth-Arlington, TX (3) and Wichita Falls, TX (2) (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 | 159 |
| Total Mortgage Loan Application Amount | $13,099,000 |
| Average Mortgage Loan Application Amount | $82,383 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $130,389 |
| Highest Applicant Income | $900,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007
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 | 126 | $10,354,000 | $82,000 | $1,000,000 | $118,000 | $900,000 |
| Home Improvement | 23 | $1,308,000 | $56,000 | $370,000 | $168,000 | $760,000 |
| Refinancing | 10 | $1,437,000 | $143,000 | $656,000 | $200,000 | $766,000 |
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 | 136 | $11,759,000 | $86,000 | $1,000,000 | $143,000 | $900,000 |
| Hispanic | 9 | $407,000 | $45,000 | $88,000 | $49,000 | $101,000 |
| Not applicable | 6 | $639,000 | $106,000 | $205,000 | $20,000 | $120,000 |
| Not Provided | 5 | $229,000 | $45,000 | $106,000 | $147,000 | $300,000 |
| Black or African American | 2 | $43,000 | $21,000 | $30,000 | $39,000 | $76,000 |
| American Indian or Alaskan Native | 1 | $22,000 | $22,000 | $22,000 | $26,000 | $26,000 |
| Asian | 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) | 159 | $13,099,000 | $82,000 | $1,000,000 | $131,000 | $900,000 |
| 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 | 93 | $5,707,000 | $61,000 | $1,000,000 | $128,000 | $830,000 |
| Loan Originated | 62 | $6,585,000 | $106,000 | $656,000 | $136,000 | $900,000 |
| Application Denied By Financial Institution | 3 | $57,000 | $19,000 | $35,000 | $7,000 | $14,000 |
| Application Withdrawn By Applicant | 1 | $750,000 | $750,000 | $750,000 | $389,000 | $389,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $44,000 | $22,000 | $35,000 | $10,000 | $14,000 |
| Debt-To-Income Ratio | 1 | $13,000 | $13,000 | $13,000 | $2,000 | $2,000 |
| 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 |
| 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 2007 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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