First Financial Bank Mortgage Lending & HMDA Data, 2025

In 2025, First Financial Bank of Abilene, TX reported 5,186 mortgage applications totaling $1.4 billion, down 2% from 2024. The average application was for $266,156, and applicants reported an average income of $181,887. 73% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Abilene, TX (1,093), Fort Worth-Arlington, TX (1,034) and Houston-The Woodlands-Sugar Land, TX (658) (applications in parentheses).

Mortgage Company & Address First Financial Bank
400 Pine Street
Abilene, TX 79601
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  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 5,186
Total Mortgage Loan Application Amount $1,380,290,000
Average Mortgage Loan Application Amount $266,156
Highest Mortgage Loan Application Amount $7,505,000
Average Applicant Income $181,887
Highest Applicant Income $8,638,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for First Financial Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Taylor, Texas 985 $ 222,715,000 $ 226,106 $ 154,000
Tarrant, Texas 535 $ 162,625,000 $ 303,971 $ 214,000
Harris, Texas 309 $ 106,415,000 $ 344,385 $ 186,000
Tom Green, Texas 254 $ 55,720,000 $ 219,370 $ 135,000
Dallas, Texas 253 $ 89,295,000 $ 352,944 $ 170,000
Parker, Texas 253 $ 73,975,000 $ 292,391 $ 200,000
Montgomery, Texas 227 $ 64,665,000 $ 284,867 $ 276,000
Brazos, Texas 222 $ 64,770,000 $ 291,756 $ 167,000
Johnson, Texas 157 $ 39,205,000 $ 249,713 $ 138,000
Jefferson, Texas 145 $ 32,295,000 $ 222,724 $ 178,000
Denton, Texas 120 $ 44,150,000 $ 367,916 $ 216,000
Hood, Texas 100 $ 29,940,000 $ 299,400 $ 269,000
Ellis, Texas 96 $ 21,730,000 $ 226,354 $ 181,000
Erath, Texas 96 $ 23,100,000 $ 240,625 $ 141,000
Eastland, Texas 95 $ 12,645,000 $ 133,105 $ 111,000
Orange, Texas 90 $ 12,840,000 $ 142,666 $ 129,000
Wise, Texas 89 $ 21,295,000 $ 239,269 $ 148,000
Palo Pinto, Texas 63 $ 11,985,000 $ 190,238 $ 160,000
Fort Bend, Texas 60 $ 18,250,000 $ 304,166 $ 229,000
Callahan, Texas 59 $ 10,735,000 $ 181,949 $ 139,000
Jones, Texas 49 $ 9,645,000 $ 196,836 $ 119,000
Nolan, Texas 48 $ 4,640,000 $ 96,666 $ 117,000
Walker, Texas 45 $ 8,045,000 $ 178,777 $ 168,000
Travis, Texas 42 $ 17,350,000 $ 413,095 $ 240,000
Robertson, Texas 39 $ 11,705,000 $ 300,128 $ 180,000
Collin, Texas 37 $ 12,485,000 $ 337,432 $ 181,000
Hays, Texas 36 $ 15,780,000 $ 438,333 $ 270,000
Hardin, Texas 32 $ 7,480,000 $ 233,750 $ 250,000
Deaf Smith, Texas 29 $ 4,035,000 $ 139,137 $ 76,000
Somervell, Texas 29 $ 6,285,000 $ 216,724 $ 245,000
Comanche, Texas 27 $ 5,885,000 $ 217,962 $ 156,000
Galveston, Texas 25 $ 11,435,000 $ 457,400 $ 313,000
Grimes, Texas 21 $ 8,375,000 $ 398,809 $ 186,000
Lubbock, Texas 21 $ 5,865,000 $ 279,285 $ 220,000
Midland, Texas 18 $ 5,070,000 $ 281,666 $ 223,000
Shackelford, Texas 17 $ 2,675,000 $ 157,352 $ 119,000
Montague, Texas 15 $ 1,895,000 $ 126,333 $ 75,000
Williamson, Texas 15 $ 4,695,000 $ 313,000 $ 420,000
Ector, Texas 14 $ 3,050,000 $ 217,857 $ 148,000
Jasper, Texas 14 $ 3,560,000 $ 254,285 $ 204,000
Randall, Texas 14 $ 4,430,000 $ 316,428 $ 264,000
Navarro, Texas 12 $ 4,370,000 $ 364,166 $ 224,000
Wharton, Texas 12 $ 1,540,000 $ 128,333 $ 85,000
Burleson, Texas 11 $ 3,885,000 $ 353,181 $ 239,000
Hill, Texas 11 $ 1,595,000 $ 145,000 $ 118,000
Waller, Texas 11 $ 3,365,000 $ 305,909 $ 253,000
Rockwall, Texas 10 $ 4,990,000 $ 499,000 $ 505,000
Scurry, Texas 10 $ 1,580,000 $ 158,000 $ 126,000
Brown, Texas 9 $ 1,655,000 $ 183,888 $ 229,000
Hamilton, Texas 9 $ 1,885,000 $ 209,444 $ 184,000
Liberty, Texas 9 $ 2,855,000 $ 317,222 $ 115,000
Matagorda, Texas 9 $ 2,755,000 $ 306,111 $ 127,000
Brazoria, Texas 8 $ 2,500,000 $ 312,500 $ 154,000
Fisher, Texas 8 $ 1,240,000 $ 155,000 $ 115,000
McLennan, Texas 8 $ 1,880,000 $ 235,000 $ 119,000
Bell, Texas 7 $ 1,425,000 $ 203,571 $ 105,000
Comal, Texas 7 $ 2,535,000 $ 362,142 $ 222,000
Coleman, Texas 6 $ 1,710,000 $ 285,000 $ 145,000
Haskell, Texas 6 $ 1,130,000 $ 188,333 $ 96,000
Jack, Texas 6 $ 1,090,000 $ 181,666 $ 114,000
Newton, Texas 6 $ 610,000 $ 101,666 $ 75,000
Bosque, Texas 5 $ 835,000 $ 167,000 $ 130,000
Henderson, Texas 5 $ 2,005,000 $ 401,000 $ 236,000
Polk, Texas 5 $ 915,000 $ 183,000 $ 78,000
Stephens, Texas 5 $ 895,000 $ 179,000 $ 131,000
Bexar, Texas 4 $ 1,210,000 $ 302,500 $ 250,000
Burnet, Texas 4 $ 1,170,000 $ 292,500 $ 168,000
Coke, Texas 4 $ 740,000 $ 185,000 $ 117,000
Coryell, Texas 4 $ 3,120,000 $ 780,000 $ 128,000
Freestone, Texas 4 $ 1,420,000 $ 355,000 $ 236,000
Grayson, Texas 4 $ 1,540,000 $ 385,000 $ 161,000
Leon, Texas 4 $ 590,000 $ 147,500 $ 388,000
Madison, Texas 4 $ 540,000 $ 135,000 $ 112,000
Potter, Texas 4 $ 920,000 $ 230,000 $ 99,000
Runnels, Texas 4 $ 770,000 $ 192,500 $ 118,000
San Jacinto, Texas 4 $ 2,130,000 $ 532,500 $ 220,000
Van Zandt, Texas 4 $ 1,290,000 $ 322,500 $ 138,000
Washington, Texas 4 $ 700,000 $ 175,000 $ 123,000
Young, Texas 4 $ 240,000 $ 60,000 $ 65,000
Austin, Texas 3 $ 1,275,000 $ 425,000 $ 914,000
Bastrop, Texas 3 $ 875,000 $ 291,666 $ 141,000
Blanco, Texas 3 $ 655,000 $ 218,333 $ 1,302,000
Calhoun, Texas 3 $ 1,435,000 $ 478,333 $ 228,000
Cooke, Texas 3 $ 685,000 $ 228,333 $ 118,000
Irion, Texas 3 $ 765,000 $ 255,000 $ 127,000
Kent, Texas 3 $ 905,000 $ 301,666 $ 126,000
Milam, Texas 3 $ 1,265,000 $ 421,666 $ 203,000
San Augustine, Texas 3 $ 455,000 $ 151,666 $ 159,000
Tyler, Texas 3 $ 1,475,000 $ 491,666 $ 277,000
Jefferson, Alabama 2 $ 790,000 $ 395,000 $ 538,000
Pulaski, Arkansas 2 $ 360,000 $ 180,000 $ 87,000
Archuleta, Colorado 2 $ 1,590,000 $ 795,000 $ 729,000
El Paso, Colorado 2 $ 1,430,000 $ 715,000 $ 218,000
Calcasieu, Louisiana 2 $ 560,000 $ 280,000 $ 166,000
York, Maine 2 $ 650,000 $ 325,000 $ 78,000
Pittsburg, Oklahoma 2 $ 340,000 $ 170,000 $ 74,000
Anderson, Texas 2 $ 180,000 $ 90,000 $ 111,000
Aransas, Texas 2 $ 300,000 $ 150,000 $ 433,000
Castro, Texas 2 $ 130,000 $ 65,000 $ 66,000
Chambers, Texas 2 $ 240,000 $ 120,000 $ 80,000
Concho, Texas 2 $ 130,000 $ 65,000 $ 62,000
El Paso, Texas 2 $ 470,000 $ 235,000 $ 98,000
Gray, Texas 2 $ 1,090,000 $ 545,000 $ 0
Gregg, Texas 2 $ 550,000 $ 275,000 $ 65,000
Howard, Texas 2 $ 140,000 $ 70,000 $ 34,000
Hunt, Texas 2 $ 160,000 $ 80,000 $ 112,000
Jackson, Texas 2 $ 590,000 $ 295,000 $ 158,000
Kerr, Texas 2 $ 470,000 $ 235,000 $ 101,000
Limestone, Texas 2 $ 820,000 $ 410,000 $ 180,000
Mitchell, Texas 2 $ 530,000 $ 265,000 $ 926,000
Reagan, Texas 2 $ 250,000 $ 125,000 $ 104,000
Smith, Texas 2 $ 750,000 $ 375,000 $ 185,000
Trinity, Texas 2 $ 180,000 $ 90,000 $ 146,000
Wichita, Texas 2 $ 270,000 $ 135,000 $ 195,000
Shelby, Alabama 1 $ 255,000 $ 255,000 $ 114,000
Yavapai, Arizona 1 $ 505,000 $ 505,000 $ 137,000
Benton, Arkansas 1 $ 375,000 $ 375,000 $ 184,000
Garland, Arkansas 1 $ 95,000 $ 95,000 $ 50,000
Pike, Arkansas 1 $ 85,000 $ 85,000 $ 316,000
Washington, Arkansas 1 $ 255,000 $ 255,000 $ 177,000
White, Arkansas 1 $ 155,000 $ 155,000 $ 54,000
San Diego, California 1 $ 3,005,000 $ 3,005,000 $ 8,638,000
Rio Grande, Colorado 1 $ 465,000 $ 465,000 $ 169,000
Cobb, Georgia 1 $ 445,000 $ 445,000 $ 147,000
Cass, Michigan 1 $ 265,000 $ 265,000 $ 102,000
Isabella, Michigan 1 $ 175,000 $ 175,000 $ 158,000
Hancock, Mississippi 1 $ 205,000 $ 205,000 $ 54,000
Lincoln, New Mexico 1 $ 225,000 $ 225,000 $ 83,000
Alexander, North Carolina 1 $ 245,000 $ 245,000 $ 74,000
Mecklenburg, North Carolina 1 $ 325,000 $ 325,000 $ 178,000
Franklin, Ohio 1 $ 55,000 $ 55,000 $ 34,000
Carter, Oklahoma 1 $ 335,000 $ 335,000 $ 87,000
Oklahoma, Oklahoma 1 $ 275,000 $ 275,000 $ 200,000
Lane, Oregon 1 $ 125,000 $ 125,000 $ 46,000
Dorchester, South Carolina 1 $ 395,000 $ 395,000 $ 0
Lexington, South Carolina 1 $ 355,000 $ 355,000 $ 78,000
Sevier, Tennessee 1 $ 485,000 $ 485,000 $ 390,000
Andrews, Texas 1 $ 405,000 $ 405,000 $ 205,000
Bandera, Texas 1 $ 255,000 $ 255,000 $ 163,000
Bowie, Texas 1 $ 55,000 $ 55,000 $ 224,000
Cherokee, Texas 1 $ 175,000 $ 175,000 $ 42,000
Clay, Texas 1 $ 95,000 $ 95,000 $ 63,000
Colorado, Texas 1 $ 505,000 $ 505,000 $ 175,000
Crockett, Texas 1 $ 55,000 $ 55,000 $ 53,000
Falls, Texas 1 $ 415,000 $ 415,000 $ 212,000
Fannin, Texas 1 $ 375,000 $ 375,000 $ 130,000
Franklin, Texas 1 $ 135,000 $ 135,000 $ 118,000
Gaines, Texas 1 $ 165,000 $ 165,000 $ 100,000
Gillespie, Texas 1 $ 355,000 $ 355,000 $ 98,000
Guadalupe, Texas 1 $ 615,000 $ 615,000 $ 371,000
Hansford, Texas 1 $ 95,000 $ 95,000 $ 149,000
Hidalgo, Texas 1 $ 365,000 $ 365,000 $ 300,000
Hopkins, Texas 1 $ 205,000 $ 205,000 $ 115,000
Houston, Texas 1 $ 385,000 $ 385,000 $ 103,000
Kaufman, Texas 1 $ 245,000 $ 245,000 $ 97,000
Llano, Texas 1 $ 935,000 $ 935,000 $ 0
Mason, Texas 1 $ 145,000 $ 145,000 $ 438,000
McCulloch, Texas 1 $ 205,000 $ 205,000 $ 99,000
Nacogdoches, Texas 1 $ 95,000 $ 95,000 $ 74,000
Rains, Texas 1 $ 235,000 $ 235,000 $ 125,000
Real, Texas 1 $ 125,000 $ 125,000 $ 242,000
Rusk, Texas 1 $ 15,000 $ 15,000 $ 147,000
Sabine, Texas 1 $ 255,000 $ 255,000 $ 146,000
San Patricio, Texas 1 $ 155,000 $ 155,000 $ 90,000
Schleicher, Texas 1 $ 545,000 $ 545,000 $ 150,000
Sutton, Texas 1 $ 255,000 $ 255,000 $ 121,000
Upshur, Texas 1 $ 565,000 $ 565,000 $ 135,000
Upton, Texas 1 $ 285,000 $ 285,000 $ 188,000
Victoria, Texas 1 $ 395,000 $ 395,000 $ 0
Ward, Texas 1 $ 45,000 $ 45,000 $ 60,000
Winkler, Texas 1 $ 65,000 $ 65,000 $ 116,000
Yoakum, Texas 1 $ 275,000 $ 275,000 $ 450,000
Milwaukee, Wisconsin 1 $ 285,000 $ 285,000 $ 101,000
Albany, Wyoming 1 $ 285,000 $ 285,000 $ 71,000

Mortgage Loan Application Detail Totals for First Financial Bank in 2025

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 3,168 $992,970,000 $313,000 $7,505,000 $171,000 $8,638,000
Home Improvement 830 $110,830,000 $133,000 $3,005,000 $212,000 $6,585,000
Cash-out Refinancing 463 $111,655,000 $241,000 $5,005,000 $175,000 $2,265,000
Other Purpose 379 $44,995,000 $118,000 $2,005,000 $176,000 $4,570,000
Refinancing 346 $119,840,000 $346,000 $3,695,000 $225,000 $3,875,000
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
White 2,960 $824,880,000 $278,000 $7,505,000 $203,000 $6,585,000
Hispanic 1,323 $288,535,000 $218,000 $3,155,000 $120,000 $4,619,000
Not applicable 353 $107,365,000 $304,000 $5,005,000 $0 $0
Not Provided 341 $101,595,000 $297,000 $3,005,000 $251,000 $8,638,000
Black or African American 106 $26,610,000 $251,000 $1,095,000 $154,000 $900,000
Asian 77 $25,495,000 $331,000 $2,135,000 $189,000 $1,036,000
American Indian or Alaskan Native 26 $5,810,000 $223,000 $685,000 $181,000 $556,000
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) 4,629 $1,218,485,000 $263,000 $7,505,000 $191,000 $8,638,000
FHA-insured (Federal Housing Administration) 322 $77,580,000 $240,000 $565,000 $99,000 $917,000
VA-guaranteed (Veterans Administration) 226 $82,610,000 $365,000 $1,295,000 $138,000 $652,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,615,000 $179,000 $295,000 $77,000 $115,000

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 3,784 $1,025,260,000 $270,000 $5,005,000 $182,000 $8,638,000
Application Withdrawn By Applicant 737 $216,245,000 $293,000 $2,905,000 $191,000 $4,290,000
Application Denied By Financial Institution 550 $111,490,000 $202,000 $7,505,000 $164,000 $4,984,000
File Closed For Incompleteness 77 $19,205,000 $249,000 $3,695,000 $200,000 $2,170,000
Application Approved But Not Accepted 38 $8,090,000 $212,000 $855,000 $250,000 $2,529,000
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
Not applicable 4,636 $1,268,800,000 $273,000 $5,005,000 $185,000 $8,638,000
Debt-To-Income Ratio 257 $54,375,000 $211,000 $2,005,000 $103,000 $1,144,000
Credit History 149 $25,965,000 $174,000 $7,505,000 $208,000 $4,570,000
Collateral 67 $11,875,000 $177,000 $1,405,000 $169,000 $798,000
Other 53 $14,445,000 $272,000 $7,505,000 $344,000 $4,984,000
Unverifiable Information 16 $3,570,000 $223,000 $555,000 $113,000 $350,000
Employment History 5 $785,000 $157,000 $305,000 $112,000 $279,000
Credit Application Incomplete 2 $420,000 $210,000 $385,000 $103,000 $190,000
Insufficient Cash (Downpayment, Closing Cost) 1 $55,000 $55,000 $55,000 $46,000 $46,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2025 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 Financial Bank'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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