First Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, First Bank & Trust of Lubbock, TX reported 264 mortgage applications totaling $21.9 million, up 30% from 2009. The average application was for $82,768, and applicants reported an average income of $70,818. 96% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lubbock, TX (235), Amarillo, TX (2) and Dallas-Plano-Irving, 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 | 264 |
| Total Mortgage Loan Application Amount | $21,851,000 |
| Average Mortgage Loan Application Amount | $82,768 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $70,818 |
| Highest Applicant Income | $1,065,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 162 | $13,624,000 | $84,000 | $437,000 | $74,000 | $650,000 |
| Refinancing | 90 | $7,732,000 | $85,000 | $725,000 | $66,000 | $1,065,000 |
| Home Improvement | 12 | $495,000 | $41,000 | $85,000 | $64,000 | $158,000 |
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 | 145 | $11,952,000 | $82,000 | $725,000 | $119,000 | $1,065,000 |
| Not applicable | 105 | $9,047,000 | $86,000 | $532,000 | $0 | $0 |
| Hispanic | 12 | $730,000 | $60,000 | $134,000 | $108,000 | $463,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $77,000 | $77,000 | $77,000 | $35,000 | $35,000 |
| Not Provided | 1 | $45,000 | $45,000 | $45,000 | $104,000 | $104,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 264 | $21,851,000 | $82,000 | $725,000 | $71,000 | $1,065,000 |
| 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 | 253 | $21,214,000 | $83,000 | $725,000 | $70,000 | $1,065,000 |
| Application Denied By Financial Institution | 6 | $285,000 | $47,000 | $67,000 | $87,000 | $120,000 |
| Application Withdrawn By Applicant | 3 | $292,000 | $97,000 | $182,000 | $101,000 | $142,000 |
| Application Approved But Not Accepted | 2 | $60,000 | $30,000 | $34,000 | $102,000 | $205,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 4 | $229,000 | $57,000 | $67,000 | $74,000 | $117,000 |
| Collateral | 2 | $56,000 | $28,000 | $45,000 | $113,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2010 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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