First Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, First Bank & Trust of Lubbock, TX reported 153 mortgage applications totaling $18.3 million, down 42% from 2010. The average application was for $119,725, and applicants reported an average income of $84,065. 91% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lubbock, TX (140), Fort Worth-Arlington, TX (2) 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 | 153 |
| Total Mortgage Loan Application Amount | $18,318,000 |
| Average Mortgage Loan Application Amount | $119,725 |
| Highest Mortgage Loan Application Amount | $3,960,000 |
| Average Applicant Income | $84,065 |
| Highest Applicant Income | $1,042,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 109 | $12,654,000 | $116,000 | $3,960,000 | $52,000 | $381,000 |
| Refinancing | 22 | $4,839,000 | $219,000 | $1,013,000 | $226,000 | $1,042,000 |
| Home Improvement | 22 | $825,000 | $37,000 | $78,000 | $101,000 | $441,000 |
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 | 76 | $6,811,000 | $89,000 | $597,000 | $145,000 | $1,042,000 |
| Not applicable | 63 | $9,926,000 | $157,000 | $3,960,000 | $0 | $0 |
| Hispanic | 13 | $1,452,000 | $111,000 | $417,000 | $128,000 | $484,000 |
| Asian | 1 | $129,000 | $129,000 | $129,000 | $260,000 | $260,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 153 | $18,318,000 | $119,000 | $3,960,000 | $84,000 | $1,042,000 |
| 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 | 139 | $17,574,000 | $126,000 | $3,960,000 | $87,000 | $1,042,000 |
| Application Approved But Not Accepted | 5 | $234,000 | $46,000 | $131,000 | $131,000 | $300,000 |
| Loan Purchased By The Institution | 4 | $181,000 | $45,000 | $59,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $98,000 | $32,000 | $58,000 | $47,000 | $102,000 |
| Application Withdrawn By Applicant | 2 | $231,000 | $115,000 | $125,000 | $23,000 | $47,000 |
| File Closed For Incompleteness | 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 | 3 | $98,000 | $32,000 | $58,000 | $47,000 | $102,000 |
| 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 2011 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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