First Financial Bank Mortgage Lending & HMDA Data, 2020

In 2020, First Financial Bank of Abilene, TX reported 7,768 mortgage applications totaling $1.9 billion, up 53% from 2019. The average application was for $241,098, and applicants reported an average income of $159,686. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fort Worth-Arlington, TX (2,048), Abilene, TX (1,434) and Dallas-Plano-Irving, TX (878) (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 7,768
Total Mortgage Loan Application Amount $1,872,850,000
Average Mortgage Loan Application Amount $241,098
Highest Mortgage Loan Application Amount $6,595,000
Average Applicant Income $159,686
Highest Applicant Income $8,500,000

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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Taylor, Texas 1,296 $ 259,520,000 $ 200,246 $ 123,000
Tarrant, Texas 1,238 $ 343,170,000 $ 277,197 $ 185,000
Parker, Texas 472 $ 120,990,000 $ 256,334 $ 162,000
Montgomery, Texas 384 $ 91,690,000 $ 238,776 $ 182,000
Tom Green, Texas 381 $ 82,065,000 $ 215,393 $ 139,000
Dallas, Texas 357 $ 133,605,000 $ 374,243 $ 218,000
Hood, Texas 307 $ 69,535,000 $ 226,498 $ 144,000
Denton, Texas 222 $ 72,170,000 $ 325,090 $ 179,000
Erath, Texas 221 $ 47,365,000 $ 214,321 $ 168,000
Johnson, Texas 202 $ 37,540,000 $ 185,841 $ 127,000
Brazos, Texas 199 $ 48,705,000 $ 244,748 $ 174,000
Jefferson, Texas 180 $ 36,890,000 $ 204,944 $ 239,000
Harris, Texas 155 $ 45,705,000 $ 294,870 $ 232,000
Ellis, Texas 150 $ 30,350,000 $ 202,333 $ 138,000
Orange, Texas 148 $ 22,760,000 $ 153,783 $ 120,000
Palo Pinto, Texas 139 $ 33,465,000 $ 240,755 $ 159,000
Wise, Texas 136 $ 29,380,000 $ 216,029 $ 138,000
Collin, Texas 128 $ 39,060,000 $ 305,156 $ 207,000
Eastland, Texas 123 $ 14,865,000 $ 120,853 $ 86,000
Callahan, Texas 93 $ 17,255,000 $ 185,537 $ 100,000
Walker, Texas 80 $ 22,310,000 $ 278,875 $ 139,000
Travis, Texas 78 $ 27,160,000 $ 348,205 $ 180,000
Hays, Texas 77 $ 25,615,000 $ 332,662 $ 174,000
Nolan, Texas 69 $ 6,435,000 $ 93,260 $ 97,000
Somervell, Texas 55 $ 11,325,000 $ 205,909 $ 128,000
Galveston, Texas 53 $ 15,885,000 $ 299,716 $ 175,000
Jones, Texas 45 $ 6,935,000 $ 154,111 $ 82,000
Deaf Smith, Texas 38 $ 5,560,000 $ 146,315 $ 164,000
Williamson, Texas 31 $ 9,585,000 $ 309,193 $ 180,000
Hardin, Texas 28 $ 6,120,000 $ 218,571 $ 136,000
Fisher, Texas 26 $ 2,220,000 $ 85,384 $ 83,000
Fort Bend, Texas 26 $ 6,380,000 $ 245,384 $ 219,000
Midland, Texas 24 $ 6,180,000 $ 257,500 $ 166,000
Shackelford, Texas 24 $ 4,000,000 $ 166,666 $ 119,000
Grimes, Texas 23 $ 6,195,000 $ 269,347 $ 143,000
Lubbock, Texas 18 $ 3,150,000 $ 175,000 $ 140,000
Stephens, Texas 18 $ 2,560,000 $ 142,222 $ 84,000
Henderson, Texas 17 $ 5,285,000 $ 310,882 $ 277,000
Randall, Texas 17 $ 4,305,000 $ 253,235 $ 135,000
Wharton, Texas 17 $ 2,795,000 $ 164,411 $ 147,000
Brown, Texas 16 $ 4,010,000 $ 250,625 $ 185,000
Jack, Texas 15 $ 3,135,000 $ 209,000 $ 145,000
Bexar, Texas 13 $ 4,425,000 $ 340,384 $ 164,000
Comanche, Texas 13 $ 2,095,000 $ 161,153 $ 85,000
Hill, Texas 13 $ 2,415,000 $ 185,769 $ 89,000
Llano, Texas 13 $ 6,385,000 $ 491,153 $ 354,000
Rockwall, Texas 13 $ 4,305,000 $ 331,153 $ 166,000
Jasper, Texas 12 $ 2,800,000 $ 233,333 $ 158,000
Brazoria, Texas 11 $ 2,565,000 $ 233,181 $ 264,000
Lincoln, New Mexico 9 $ 2,945,000 $ 327,222 $ 172,000
Comal, Texas 9 $ 3,105,000 $ 345,000 $ 225,000
Cooke, Texas 9 $ 2,985,000 $ 331,666 $ 273,000
Ector, Texas 9 $ 2,215,000 $ 246,111 $ 130,000
Howard, Texas 9 $ 1,475,000 $ 163,888 $ 105,000
Matagorda, Texas 9 $ 1,115,000 $ 123,888 $ 115,000
Young, Texas 9 $ 1,285,000 $ 142,777 $ 146,000
Bosque, Texas 8 $ 1,530,000 $ 191,250 $ 82,000
Runnels, Texas 8 $ 1,240,000 $ 155,000 $ 75,000
Waller, Texas 8 $ 2,320,000 $ 290,000 $ 182,000
Gillespie, Texas 7 $ 3,195,000 $ 456,428 $ 187,000
Robertson, Texas 7 $ 1,485,000 $ 212,142 $ 125,000
San Jacinto, Texas 7 $ 1,025,000 $ 146,428 $ 57,000
Austin, Texas 6 $ 3,110,000 $ 518,333 $ 218,000
Burleson, Texas 6 $ 1,350,000 $ 225,000 $ 135,000
McLennan, Texas 6 $ 1,310,000 $ 218,333 $ 112,000
Potter, Texas 6 $ 1,140,000 $ 190,000 $ 188,000
Wichita, Texas 6 $ 870,000 $ 145,000 $ 75,000
Burnet, Texas 5 $ 1,415,000 $ 283,000 $ 212,000
Concho, Texas 5 $ 1,145,000 $ 229,000 $ 112,000
Grayson, Texas 5 $ 955,000 $ 191,000 $ 169,000
Hamilton, Texas 5 $ 2,015,000 $ 403,000 $ 147,000
Kaufman, Texas 5 $ 1,065,000 $ 213,000 $ 174,000
Mitchell, Texas 5 $ 645,000 $ 129,000 $ 99,000
Navarro, Texas 5 $ 1,195,000 $ 239,000 $ 261,000
Newton, Texas 5 $ 485,000 $ 97,000 $ 105,000
Scurry, Texas 5 $ 665,000 $ 133,000 $ 152,000
Larimer, Colorado 4 $ 1,700,000 $ 425,000 $ 165,000
Coke, Texas 4 $ 550,000 $ 137,500 $ 267,000
Coleman, Texas 4 $ 600,000 $ 150,000 $ 67,000
Haskell, Texas 4 $ 520,000 $ 130,000 $ 135,000
Leon, Texas 4 $ 980,000 $ 245,000 $ 155,000
Liberty, Texas 4 $ 510,000 $ 127,500 $ 90,000
Limestone, Texas 4 $ 890,000 $ 222,500 $ 151,000
Montague, Texas 4 $ 910,000 $ 227,500 $ 82,000
Smith, Texas 4 $ 1,060,000 $ 265,000 $ 251,000
Tyler, Texas 4 $ 680,000 $ 170,000 $ 134,000
Santa Fe, New Mexico 3 $ 1,965,000 $ 655,000 $ 74,000
McCurtain, Oklahoma 3 $ 905,000 $ 301,666 $ 311,000
El Paso, Texas 3 $ 685,000 $ 228,333 $ 136,000
Houston, Texas 3 $ 325,000 $ 108,333 $ 85,000
Hunt, Texas 3 $ 395,000 $ 131,666 $ 161,000
Madison, Texas 3 $ 635,000 $ 211,666 $ 105,000
Nueces, Texas 3 $ 1,015,000 $ 338,333 $ 125,000
Parmer, Texas 3 $ 455,000 $ 151,666 $ 68,000
Polk, Texas 3 $ 675,000 $ 225,000 $ 116,000
Washington, Texas 3 $ 645,000 $ 215,000 $ 75,000
Pulaski, Arkansas 2 $ 210,000 $ 105,000 $ 84,000
Denver, Colorado 2 $ 580,000 $ 290,000 $ 85,000
St. Tammany, Louisiana 2 $ 390,000 $ 195,000 $ 225,000
Tulsa, Oklahoma 2 $ 460,000 $ 230,000 $ 181,000
Anderson, Texas 2 $ 310,000 $ 155,000 $ 97,000
Angelina, Texas 2 $ 160,000 $ 80,000 $ 95,000
Bell, Texas 2 $ 310,000 $ 155,000 $ 195,000
Camp, Texas 2 $ 910,000 $ 455,000 $ 347,000
Cherokee, Texas 2 $ 550,000 $ 275,000 $ 214,000
Coryell, Texas 2 $ 380,000 $ 190,000 $ 0
Fannin, Texas 2 $ 300,000 $ 150,000 $ 175,000
Franklin, Texas 2 $ 320,000 $ 160,000 $ 358,000
Gaines, Texas 2 $ 280,000 $ 140,000 $ 155,000
Gray, Texas 2 $ 300,000 $ 150,000 $ 105,000
Guadalupe, Texas 2 $ 450,000 $ 225,000 $ 85,000
Irion, Texas 2 $ 520,000 $ 260,000 $ 200,000
Moore, Texas 2 $ 390,000 $ 195,000 $ 69,000
Reagan, Texas 2 $ 270,000 $ 135,000 $ 113,000
Sabine, Texas 2 $ 100,000 $ 50,000 $ 136,000
San Augustine, Texas 2 $ 230,000 $ 115,000 $ 158,000
Schleicher, Texas 2 $ 560,000 $ 280,000 $ 89,000
Trinity, Texas 2 $ 520,000 $ 260,000 $ 132,000
Val Verde, Texas 2 $ 180,000 $ 90,000 $ 50,000
Van Zandt, Texas 2 $ 520,000 $ 260,000 $ 105,000
Maricopa, Arizona 1 $ 1,505,000 $ 1,505,000 $ 360,000
Clark, Arkansas 1 $ 165,000 $ 165,000 $ 50,000
Washington, Arkansas 1 $ 355,000 $ 355,000 $ 137,000
Archuleta, Colorado 1 $ 505,000 $ 505,000 $ 360,000
Douglas, Colorado 1 $ 365,000 $ 365,000 $ 75,000
Rio Grande, Colorado 1 $ 195,000 $ 195,000 $ 121,000
San Miguel, Colorado 1 $ 605,000 $ 605,000 $ 246,000
Summit, Colorado 1 $ 515,000 $ 515,000 $ 504,000
Weld, Colorado 1 $ 315,000 $ 315,000 $ 95,000
Leon, Florida 1 $ 655,000 $ 655,000 $ 495,000
Pinellas, Florida 1 $ 515,000 $ 515,000 $ 414,000
Clarke, Georgia 1 $ 365,000 $ 365,000 $ 576,000
Woodford, Kentucky 1 $ 155,000 $ 155,000 $ 108,000
East Baton Rouge, Louisiana 1 $ 255,000 $ 255,000 $ 1,951,000
Platte, Missouri 1 $ 255,000 $ 255,000 $ 256,000
St. Louis, Missouri 1 $ 75,000 $ 75,000 $ 107,000
Dona Ana, New Mexico 1 $ 175,000 $ 175,000 $ 83,000
Otero, New Mexico 1 $ 135,000 $ 135,000 $ 248,000
Mecklenburg, North Carolina 1 $ 385,000 $ 385,000 $ 254,000
Canadian, Oklahoma 1 $ 275,000 $ 275,000 $ 100,000
Cherokee, Oklahoma 1 $ 205,000 $ 205,000 $ 103,000
Oklahoma, Oklahoma 1 $ 335,000 $ 335,000 $ 143,000
Shelby, Tennessee 1 $ 105,000 $ 105,000 $ 69,000
Aransas, Texas 1 $ 255,000 $ 255,000 $ 250,000
Archer, Texas 1 $ 215,000 $ 215,000 $ 162,000
Atascosa, Texas 1 $ 905,000 $ 905,000 $ 0
Bastrop, Texas 1 $ 85,000 $ 85,000 $ 104,000
Blanco, Texas 1 $ 235,000 $ 235,000 $ 134,000
Borden, Texas 1 $ 285,000 $ 285,000 $ 133,000
Castro, Texas 1 $ 835,000 $ 835,000 $ 360,000
Chambers, Texas 1 $ 305,000 $ 305,000 $ 132,000
Clay, Texas 1 $ 255,000 $ 255,000 $ 53,000
Colorado, Texas 1 $ 265,000 $ 265,000 $ 146,000
Crane, Texas 1 $ 205,000 $ 205,000 $ 120,000
Crockett, Texas 1 $ 135,000 $ 135,000 $ 115,000
Delta, Texas 1 $ 355,000 $ 355,000 $ 0
Fayette, Texas 1 $ 305,000 $ 305,000 $ 80,000
Foard, Texas 1 $ 95,000 $ 95,000 $ 60,000
Freestone, Texas 1 $ 325,000 $ 325,000 $ 138,000
Gonzales, Texas 1 $ 345,000 $ 345,000 $ 142,000
Gregg, Texas 1 $ 325,000 $ 325,000 $ 115,000
Harrison, Texas 1 $ 255,000 $ 255,000 $ 95,000
Hidalgo, Texas 1 $ 235,000 $ 235,000 $ 49,000
Kendall, Texas 1 $ 65,000 $ 65,000 $ 168,000
Kerr, Texas 1 $ 315,000 $ 315,000 $ 157,000
Lampasas, Texas 1 $ 205,000 $ 205,000 $ 93,000
Medina, Texas 1 $ 285,000 $ 285,000 $ 65,000
Menard, Texas 1 $ 25,000 $ 25,000 $ 194,000
Oldham, Texas 1 $ 115,000 $ 115,000 $ 76,000
Stonewall, Texas 1 $ 45,000 $ 45,000 $ 42,000
Upshur, Texas 1 $ 155,000 $ 155,000 $ 103,000
Upton, Texas 1 $ 95,000 $ 95,000 $ 137,000
Wood, Texas 1 $ 105,000 $ 105,000 $ 232,000

Mortgage Loan Application Detail Totals for First Financial Bank in 2020

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 3,305 $833,935,000 $252,000 $6,595,000 $151,000 $8,500,000
Refinancing 2,675 $726,175,000 $271,000 $2,495,000 $174,000 $3,336,000
Cash-out Refinancing 965 $227,385,000 $235,000 $2,555,000 $153,000 $8,100,000
Home Improvement 630 $62,750,000 $99,000 $1,445,000 $158,000 $1,540,000
Other Purpose 193 $22,605,000 $117,000 $1,605,000 $149,000 $1,946,000
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 5,683 $1,391,795,000 $244,000 $6,595,000 $160,000 $8,100,000
Not Provided 734 $191,280,000 $260,000 $2,055,000 $177,000 $2,253,000
Hispanic 594 $112,460,000 $189,000 $935,000 $117,000 $939,000
Not applicable 425 $98,805,000 $232,000 $2,555,000 $78,000 $78,000
Asian 158 $44,870,000 $283,000 $1,865,000 $221,000 $1,946,000
Black or African American 136 $26,600,000 $195,000 $1,915,000 $185,000 $8,500,000
American Indian or Alaskan Native 21 $3,015,000 $143,000 $355,000 $103,000 $282,000
Native Hawaiian or Other Pacific Islander 8 $1,950,000 $243,000 $395,000 $130,000 $184,000

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) 7,172 $1,733,210,000 $241,000 $6,595,000 $165,000 $8,500,000
VA-guaranteed (Veterans Administration) 312 $88,340,000 $283,000 $1,265,000 $99,000 $418,000
FHA-insured (Federal Housing Administration) 278 $50,290,000 $180,000 $395,000 $72,000 $221,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,010,000 $168,000 $275,000 $60,000 $81,000

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 6,408 $1,551,160,000 $242,000 $6,595,000 $163,000 $8,500,000
Application Withdrawn By Applicant 816 $225,080,000 $275,000 $2,605,000 $162,000 $2,253,000
Application Denied By Financial Institution 387 $68,595,000 $177,000 $1,755,000 $101,000 $1,080,000
Application Approved But Not Accepted 119 $19,505,000 $163,000 $1,045,000 $171,000 $838,000
File Closed For Incompleteness 38 $8,510,000 $223,000 $2,495,000 $133,000 $780,000
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 7,381 $1,804,255,000 $244,000 $6,595,000 $163,000 $8,500,000
Credit History 159 $25,225,000 $158,000 $1,755,000 $103,000 $1,080,000
Debt-To-Income Ratio 153 $31,935,000 $208,000 $1,055,000 $88,000 $578,000
Collateral 54 $7,020,000 $130,000 $575,000 $138,000 $623,000
Other 9 $1,675,000 $186,000 $505,000 $110,000 $230,000
Employment History 7 $1,465,000 $209,000 $465,000 $61,000 $115,000
Unverifiable Information 3 $795,000 $265,000 $445,000 $72,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $480,000 $240,000 $275,000 $45,000 $60,000
Mortgage Insurance Denied 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 Financial Bank's 2020 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.
For a list of all lenders in Texas, download the full spreadsheet with aggregated HMDA statistics today.

Download the Texas Lender List