First Financial Bank Mortgage Lending & HMDA Data, 2022

In 2022, First Financial Bank of Abilene, TX reported 5,631 mortgage applications totaling $1.6 billion, down 22% from 2021. The average application was for $275,275, and applicants reported an average income of $174,553. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fort Worth-Arlington, TX (1,306), Abilene, TX (1,064) and Dallas-Plano-Irving, TX (521) (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 5,631
Total Mortgage Loan Application Amount $1,550,075,000
Average Mortgage Loan Application Amount $275,275
Highest Mortgage Loan Application Amount $34,245,000
Average Applicant Income $174,553
Highest Applicant Income $7,260,000

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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Taylor, Texas 947 $ 209,205,000 $ 220,913 $ 148,000
Tarrant, Texas 676 $ 203,890,000 $ 301,612 $ 213,000
Parker, Texas 330 $ 105,210,000 $ 318,818 $ 199,000
Tom Green, Texas 260 $ 64,890,000 $ 249,576 $ 171,000
Montgomery, Texas 255 $ 105,235,000 $ 412,686 $ 209,000
Hood, Texas 213 $ 56,675,000 $ 266,079 $ 166,000
Dallas, Texas 183 $ 70,065,000 $ 382,868 $ 230,000
Brazos, Texas 181 $ 53,115,000 $ 293,453 $ 199,000
Jefferson, Texas 174 $ 34,750,000 $ 199,712 $ 124,000
Johnson, Texas 166 $ 39,200,000 $ 236,144 $ 140,000
Erath, Texas 145 $ 36,565,000 $ 252,172 $ 154,000
Ellis, Texas 142 $ 39,170,000 $ 275,845 $ 175,000
Harris, Texas 136 $ 69,250,000 $ 509,191 $ 199,000
Wise, Texas 134 $ 30,000,000 $ 223,880 $ 143,000
Eastland, Texas 132 $ 17,870,000 $ 135,378 $ 108,000
Palo Pinto, Texas 128 $ 40,460,000 $ 316,093 $ 196,000
Denton, Texas 108 $ 32,660,000 $ 302,407 $ 217,000
Orange, Texas 105 $ 17,155,000 $ 163,380 $ 123,000
Callahan, Texas 83 $ 15,275,000 $ 184,036 $ 115,000
Nolan, Texas 81 $ 10,625,000 $ 131,172 $ 105,000
Hardin, Texas 64 $ 15,870,000 $ 247,968 $ 183,000
Collin, Texas 58 $ 19,540,000 $ 336,896 $ 340,000
Walker, Texas 50 $ 11,880,000 $ 237,600 $ 141,000
Deaf Smith, Texas 40 $ 4,170,000 $ 104,250 $ 103,000
Travis, Texas 38 $ 14,280,000 $ 375,789 $ 202,000
Fort Bend, Texas 35 $ 8,995,000 $ 257,000 $ 198,000
Jones, Texas 34 $ 5,920,000 $ 174,117 $ 94,000
Somervell, Texas 33 $ 7,115,000 $ 215,606 $ 155,000
Hays, Texas 27 $ 12,135,000 $ 449,444 $ 177,000
Galveston, Texas 24 $ 7,360,000 $ 306,666 $ 195,000
Lubbock, Texas 24 $ 5,090,000 $ 212,083 $ 151,000
Randall, Texas 19 $ 6,425,000 $ 338,157 $ 252,000
Grimes, Texas 18 $ 4,340,000 $ 241,111 $ 132,000
Comanche, Texas 17 $ 3,775,000 $ 222,058 $ 127,000
Brown, Texas 16 $ 4,710,000 $ 294,375 $ 242,000
Midland, Texas 16 $ 3,770,000 $ 235,625 $ 624,000
Newton, Texas 16 $ 2,460,000 $ 153,750 $ 100,000
Fisher, Texas 15 $ 2,475,000 $ 165,000 $ 131,000
Montague, Texas 15 $ 3,145,000 $ 209,666 $ 120,000
Hill, Texas 14 $ 3,670,000 $ 262,142 $ 148,000
San Jacinto, Texas 14 $ 4,790,000 $ 342,142 $ 114,000
Wharton, Texas 14 $ 1,820,000 $ 130,000 $ 96,000
Bexar, Texas 12 $ 12,440,000 $ 1,036,666 $ 319,000
Comal, Texas 12 $ 4,820,000 $ 401,666 $ 124,000
Shackelford, Texas 12 $ 2,220,000 $ 185,000 $ 83,000
Brazoria, Texas 11 $ 3,055,000 $ 277,727 $ 157,000
Jasper, Texas 11 $ 3,165,000 $ 287,727 $ 164,000
Kaufman, Texas 11 $ 2,745,000 $ 249,545 $ 88,000
Young, Texas 11 $ 2,755,000 $ 250,454 $ 293,000
Hunt, Texas 10 $ 3,450,000 $ 345,000 $ 133,000
Stephens, Texas 10 $ 1,080,000 $ 108,000 $ 74,000
Williamson, Texas 10 $ 4,570,000 $ 457,000 $ 346,000
Bosque, Texas 9 $ 1,685,000 $ 187,222 $ 101,000
Burleson, Texas 9 $ 1,695,000 $ 188,333 $ 168,000
Grayson, Texas 9 $ 3,575,000 $ 397,222 $ 229,000
Rockwall, Texas 9 $ 1,785,000 $ 198,333 $ 118,000
Scurry, Texas 9 $ 1,115,000 $ 123,888 $ 138,000
Ector, Texas 8 $ 1,300,000 $ 162,500 $ 343,000
Matagorda, Texas 8 $ 1,080,000 $ 135,000 $ 150,000
McLennan, Texas 8 $ 2,810,000 $ 351,250 $ 163,000
Robertson, Texas 8 $ 3,300,000 $ 412,500 $ 120,000
Coke, Texas 7 $ 865,000 $ 123,571 $ 77,000
Henderson, Texas 7 $ 3,735,000 $ 533,571 $ 330,000
Howard, Texas 7 $ 765,000 $ 109,285 $ 157,000
Madison, Texas 7 $ 1,815,000 $ 259,285 $ 96,000
Navarro, Texas 7 $ 1,365,000 $ 195,000 $ 132,000
Runnels, Texas 7 $ 1,085,000 $ 155,000 $ 67,000
Wichita, Texas 7 $ 1,335,000 $ 190,714 $ 202,000
Angelina, Texas 6 $ 1,180,000 $ 196,666 $ 189,000
Bell, Texas 6 $ 1,660,000 $ 276,666 $ 132,000
Llano, Texas 6 $ 2,790,000 $ 465,000 $ 663,000
Waller, Texas 6 $ 1,170,000 $ 195,000 $ 177,000
Cooke, Texas 5 $ 1,055,000 $ 211,000 $ 208,000
Hamilton, Texas 5 $ 2,025,000 $ 405,000 $ 106,000
Jack, Texas 5 $ 1,905,000 $ 381,000 $ 158,000
Liberty, Texas 5 $ 1,685,000 $ 337,000 $ 157,000
Mitchell, Texas 5 $ 1,345,000 $ 269,000 $ 107,000
Polk, Texas 5 $ 555,000 $ 111,000 $ 87,000
Lincoln, New Mexico 4 $ 1,660,000 $ 415,000 $ 542,000
Gillespie, Texas 4 $ 2,900,000 $ 725,000 $ 213,000
Nueces, Texas 4 $ 2,230,000 $ 557,500 $ 252,000
Smith, Texas 4 $ 1,380,000 $ 345,000 $ 187,000
Sterling, Texas 4 $ 810,000 $ 202,500 $ 150,000
Aransas, Texas 3 $ 1,005,000 $ 335,000 $ 113,000
Blanco, Texas 3 $ 1,695,000 $ 565,000 $ 216,000
Burnet, Texas 3 $ 1,235,000 $ 411,666 $ 235,000
Chambers, Texas 3 $ 365,000 $ 121,666 $ 149,000
Guadalupe, Texas 3 $ 345,000 $ 115,000 $ 194,000
Leon, Texas 3 $ 1,645,000 $ 548,333 $ 260,000
Limestone, Texas 3 $ 415,000 $ 138,333 $ 148,000
McCulloch, Texas 3 $ 295,000 $ 98,333 $ 63,000
Sabine, Texas 3 $ 355,000 $ 118,333 $ 133,000
Trinity, Texas 3 $ 355,000 $ 118,333 $ 84,000
Tyler, Texas 3 $ 285,000 $ 95,000 $ 182,000
Maricopa, Arizona 2 $ 520,000 $ 260,000 $ 168,000
Lonoke, Arkansas 2 $ 750,000 $ 375,000 $ 106,000
Rio Grande, Colorado 2 $ 620,000 $ 310,000 $ 141,000
Okaloosa, Florida 2 $ 1,100,000 $ 550,000 $ 266,000
Calcasieu, Louisiana 2 $ 250,000 $ 125,000 $ 54,000
McKinley, New Mexico 2 $ 110,000 $ 55,000 $ 95,000
Payne, Oklahoma 2 $ 230,000 $ 115,000 $ 119,000
Andrews, Texas 2 $ 630,000 $ 315,000 $ 90,000
Austin, Texas 2 $ 1,070,000 $ 535,000 $ 189,000
Cass, Texas 2 $ 530,000 $ 265,000 $ 145,000
Coleman, Texas 2 $ 260,000 $ 130,000 $ 48,000
El Paso, Texas 2 $ 800,000 $ 400,000 $ 74,000
Fannin, Texas 2 $ 520,000 $ 260,000 $ 211,000
Hall, Texas 2 $ 120,000 $ 60,000 $ 75,000
Irion, Texas 2 $ 170,000 $ 85,000 $ 65,000
Kerr, Texas 2 $ 430,000 $ 215,000 $ 103,000
Lampasas, Texas 2 $ 710,000 $ 355,000 $ 123,000
Nacogdoches, Texas 2 $ 820,000 $ 410,000 $ 134,000
Potter, Texas 2 $ 180,000 $ 90,000 $ 223,000
Reagan, Texas 2 $ 1,300,000 $ 650,000 $ 71,000
Sutton, Texas 2 $ 380,000 $ 190,000 $ 135,000
Van Zandt, Texas 2 $ 540,000 $ 270,000 $ 127,000
Washington, Texas 2 $ 730,000 $ 365,000 $ 117,000
Wood, Texas 2 $ 380,000 $ 190,000 $ 285,000
Yuba, California 1 $ 85,000 $ 85,000 $ 77,000
Archuleta, Colorado 1 $ 535,000 $ 535,000 $ 128,000
Eagle, Colorado 1 $ 3,975,000 $ 3,975,000 $ 1,944,000
Gunnison, Colorado 1 $ 1,665,000 $ 1,665,000 $ 290,000
Jefferson, Colorado 1 $ 465,000 $ 465,000 $ 127,000
Montrose, Colorado 1 $ 395,000 $ 395,000 $ 463,000
Brevard, Florida 1 $ 125,000 $ 125,000 $ 68,000
Charlotte, Florida 1 $ 335,000 $ 335,000 $ 84,000
Palm Beach, Florida 1 $ 1,155,000 $ 1,155,000 $ 430,000
Walton, Florida 1 $ 8,555,000 $ 8,555,000 $ 0
Union, Illinois 1 $ 155,000 $ 155,000 $ 0
East Baton Rouge, Louisiana 1 $ 415,000 $ 415,000 $ 230,000
Buchanan, Missouri 1 $ 205,000 $ 205,000 $ 99,000
Clay, Missouri 1 $ 165,000 $ 165,000 $ 92,000
St. Charles, Missouri 1 $ 395,000 $ 395,000 $ 120,000
Gallatin, Montana 1 $ 335,000 $ 335,000 $ 52,000
Lea, New Mexico 1 $ 245,000 $ 245,000 $ 78,000
Santa Fe, New Mexico 1 $ 345,000 $ 345,000 $ 263,000
Cleveland, Oklahoma 1 $ 185,000 $ 185,000 $ 65,000
Garvin, Oklahoma 1 $ 495,000 $ 495,000 $ 111,000
Marshall, Oklahoma 1 $ 295,000 $ 295,000 $ 462,000
McClain, Oklahoma 1 $ 375,000 $ 375,000 $ 135,000
Oklahoma, Oklahoma 1 $ 465,000 $ 465,000 $ 121,000
Armstrong, Texas 1 $ 295,000 $ 295,000 $ 106,000
Bastrop, Texas 1 $ 205,000 $ 205,000 $ 104,000
Caldwell, Texas 1 $ 35,000 $ 35,000 $ 128,000
Cameron, Texas 1 $ 105,000 $ 105,000 $ 184,000
Carson, Texas 1 $ 105,000 $ 105,000 $ 120,000
Castro, Texas 1 $ 255,000 $ 255,000 $ 171,000
Clay, Texas 1 $ 345,000 $ 345,000 $ 57,000
Colorado, Texas 1 $ 125,000 $ 125,000 $ 34,000
Coryell, Texas 1 $ 785,000 $ 785,000 $ 0
Crosby, Texas 1 $ 245,000 $ 245,000 $ 92,000
Freestone, Texas 1 $ 215,000 $ 215,000 $ 244,000
Gaines, Texas 1 $ 365,000 $ 365,000 $ 179,000
Gregg, Texas 1 $ 185,000 $ 185,000 $ 50,000
Harrison, Texas 1 $ 185,000 $ 185,000 $ 91,000
Haskell, Texas 1 $ 105,000 $ 105,000 $ 62,000
Hemphill, Texas 1 $ 205,000 $ 205,000 $ 62,000
Houston, Texas 1 $ 65,000 $ 65,000 $ 65,000
Jackson, Texas 1 $ 175,000 $ 175,000 $ 84,000
Kent, Texas 1 $ 215,000 $ 215,000 $ 135,000
Kleberg, Texas 1 $ 425,000 $ 425,000 $ 0
Knox, Texas 1 $ 145,000 $ 145,000 $ 0
Lee, Texas 1 $ 535,000 $ 535,000 $ 95,000
Lynn, Texas 1 $ 95,000 $ 95,000 $ 128,000
Mills, Texas 1 $ 85,000 $ 85,000 $ 91,000
Moore, Texas 1 $ 155,000 $ 155,000 $ 65,000
Oldham, Texas 1 $ 175,000 $ 175,000 $ 210,000
Parmer, Texas 1 $ 155,000 $ 155,000 $ 84,000
Rains, Texas 1 $ 75,000 $ 75,000 $ 39,000
San Augustine, Texas 1 $ 25,000 $ 25,000 $ 52,000
San Patricio, Texas 1 $ 75,000 $ 75,000 $ 201,000
San Saba, Texas 1 $ 115,000 $ 115,000 $ 144,000
Terry, Texas 1 $ 165,000 $ 165,000 $ 140,000
Titus, Texas 1 $ 375,000 $ 375,000 $ 0
Upshur, Texas 1 $ 225,000 $ 225,000 $ 78,000
Val Verde, Texas 1 $ 15,000 $ 15,000 $ 30,000
Victoria, Texas 1 $ 45,000 $ 45,000 $ 167,000
Webb, Texas 1 $ 1,505,000 $ 1,505,000 $ 240,000

Mortgage Loan Application Detail Totals for First Financial Bank in 2022

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 3,165 $1,076,665,000 $340,000 $34,245,000 $173,000 $6,973,000
Home Improvement 819 $99,695,000 $121,000 $1,005,000 $194,000 $6,299,000
Cash-out Refinancing 790 $188,630,000 $238,000 $10,005,000 $169,000 $7,260,000
Refinancing 456 $137,420,000 $301,000 $2,005,000 $178,000 $2,039,000
Other Purpose 400 $47,330,000 $118,000 $735,000 $154,000 $2,100,000
Not Applicable 1 $335,000 $335,000 $335,000 $199,000 $199,000

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 3,761 $1,008,575,000 $268,000 $8,555,000 $180,000 $6,299,000
Hispanic 646 $136,900,000 $211,000 $1,665,000 $124,000 $4,848,000
Not applicable 494 $211,180,000 $427,000 $34,245,000 $0 $0
Not Provided 439 $121,945,000 $277,000 $2,305,000 $191,000 $6,973,000
Black or African American 131 $31,615,000 $241,000 $975,000 $154,000 $1,453,000
Asian 103 $27,525,000 $267,000 $985,000 $166,000 $668,000
American Indian or Alaskan Native 33 $6,415,000 $194,000 $585,000 $167,000 $1,920,000
Native Hawaiian or Other Pacific Islander 1 $255,000 $255,000 $255,000 $165,000 $165,000

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) 5,246 $1,442,000,000 $274,000 $34,245,000 $181,000 $7,260,000
VA-guaranteed (Veterans Administration) 192 $68,640,000 $357,000 $1,105,000 $117,000 $472,000
FHA-insured (Federal Housing Administration) 188 $38,700,000 $205,000 $425,000 $78,000 $290,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $735,000 $147,000 $205,000 $62,000 $74,000

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 4,434 $1,241,530,000 $280,000 $34,245,000 $177,000 $6,973,000
Application Withdrawn By Applicant 543 $168,455,000 $310,000 $1,505,000 $190,000 $7,260,000
Application Denied By Financial Institution 403 $71,225,000 $176,000 $1,985,000 $118,000 $1,920,000
Application Approved But Not Accepted 208 $55,150,000 $265,000 $10,005,000 $204,000 $3,900,000
File Closed For Incompleteness 43 $13,715,000 $318,000 $2,505,000 $188,000 $1,015,000
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 5,228 $1,478,850,000 $282,000 $34,245,000 $179,000 $7,260,000
Debt-To-Income Ratio 179 $35,245,000 $196,000 $1,405,000 $97,000 $600,000
Credit History 128 $17,000,000 $132,000 $645,000 $108,000 $1,200,000
Collateral 52 $10,440,000 $200,000 $1,985,000 $210,000 $1,920,000
Other 27 $4,045,000 $149,000 $425,000 $133,000 $591,000
Unverifiable Information 10 $2,080,000 $208,000 $575,000 $125,000 $239,000
Employment History 5 $1,915,000 $383,000 $575,000 $93,000 $292,000
Insufficient Cash (Downpayment, Closing Cost) 1 $285,000 $285,000 $285,000 $97,000 $97,000
Credit Application Incomplete 1 $215,000 $215,000 $215,000 $214,000 $214,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2022 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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