First Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, First Bank & Trust of Lubbock, TX reported 168 mortgage applications totaling $48.1 million, up 5% from 2018. The average application was for $286,011, and applicants reported an average income of $192,559. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lubbock, TX (117), Fort Worth-Arlington, TX (4) and Rockford, IL (3) (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 | 168 |
| Total Mortgage Loan Application Amount | $48,050,000 |
| Average Mortgage Loan Application Amount | $286,011 |
| Highest Mortgage Loan Application Amount | $16,255,000 |
| Average Applicant Income | $192,559 |
| Highest Applicant Income | $1,779,000 |
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Act (HMDA) records First Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 116 | $38,010,000 | $327,000 | $16,255,000 | $206,000 | $1,779,000 |
| Home Improvement | 24 | $1,940,000 | $80,000 | $225,000 | $138,000 | $341,000 |
| Refinancing | 14 | $4,130,000 | $295,000 | $1,285,000 | $229,000 | $512,000 |
| Other Purpose | 10 | $530,000 | $53,000 | $185,000 | $84,000 | $136,000 |
| Cash-out Refinancing | 4 | $3,440,000 | $860,000 | $2,805,000 | $274,000 | $660,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 87 | $29,095,000 | $334,000 | $16,255,000 | $0 | $0 |
| White | 66 | $15,740,000 | $238,000 | $2,805,000 | $201,000 | $1,779,000 |
| Not Provided | 10 | $3,040,000 | $304,000 | $1,585,000 | $144,000 | $341,000 |
| Hispanic | 5 | $175,000 | $35,000 | $65,000 | $69,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 168 | $48,050,000 | $286,000 | $16,255,000 | $186,000 | $1,779,000 |
| 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 | 141 | $44,475,000 | $315,000 | $16,255,000 | $208,000 | $1,779,000 |
| Application Denied By Financial Institution | 15 | $665,000 | $44,000 | $135,000 | $87,000 | $341,000 |
| Loan Purchased By The Institution | 6 | $1,960,000 | $326,000 | $715,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $495,000 | $165,000 | $225,000 | $161,000 | $237,000 |
| Application Approved But Not Accepted | 3 | $455,000 | $151,000 | $245,000 | $129,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 153 | $47,385,000 | $309,000 | $16,255,000 | $205,000 | $1,779,000 |
| Credit History | 9 | $255,000 | $28,000 | $65,000 | $65,000 | $132,000 |
| Debt-To-Income Ratio | 4 | $320,000 | $80,000 | $135,000 | $63,000 | $110,000 |
| Collateral | 1 | $55,000 | $55,000 | $55,000 | $341,000 | $341,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust's 2019 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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