First Financial Bank Mortgage Lending & HMDA Data, 2023

In 2023, First Financial Bank of Abilene, TX reported 5,146 mortgage applications totaling $1.3 billion, down 9% from 2022. The average application was for $257,112, and applicants reported an average income of $161,252. 74% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fort Worth-Arlington, TX (1,147), Abilene, TX (901) and Houston-The Woodlands-Sugar Land, TX (625) (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 5,146
Total Mortgage Loan Application Amount $1,323,100,000
Average Mortgage Loan Application Amount $257,112
Highest Mortgage Loan Application Amount $38,095,000
Average Applicant Income $161,252
Highest Applicant Income $6,012,000

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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Taylor, Texas 786 $ 154,230,000 $ 196,221 $ 136,000
Tarrant, Texas 641 $ 251,315,000 $ 392,067 $ 182,000
Harris, Texas 303 $ 76,495,000 $ 252,458 $ 133,000
Dallas, Texas 240 $ 77,450,000 $ 322,708 $ 170,000
Parker, Texas 235 $ 65,535,000 $ 278,872 $ 189,000
Tom Green, Texas 233 $ 43,585,000 $ 187,060 $ 130,000
Montgomery, Texas 226 $ 68,280,000 $ 302,123 $ 205,000
Brazos, Texas 168 $ 42,290,000 $ 251,726 $ 152,000
Johnson, Texas 163 $ 32,695,000 $ 200,582 $ 118,000
Jefferson, Texas 159 $ 31,445,000 $ 197,767 $ 182,000
Hood, Texas 150 $ 41,610,000 $ 277,400 $ 173,000
Palo Pinto, Texas 130 $ 27,670,000 $ 212,846 $ 250,000
Erath, Texas 129 $ 28,175,000 $ 218,410 $ 192,000
Ellis, Texas 119 $ 28,265,000 $ 237,521 $ 145,000
Wise, Texas 108 $ 25,350,000 $ 234,722 $ 153,000
Eastland, Texas 100 $ 12,790,000 $ 127,900 $ 95,000
Denton, Texas 93 $ 29,615,000 $ 318,440 $ 200,000
Orange, Texas 89 $ 12,855,000 $ 144,438 $ 130,000
Callahan, Texas 78 $ 14,000,000 $ 179,487 $ 136,000
Nolan, Texas 66 $ 8,340,000 $ 126,363 $ 98,000
Collin, Texas 52 $ 19,020,000 $ 365,769 $ 219,000
Fort Bend, Texas 47 $ 10,625,000 $ 226,063 $ 193,000
Walker, Texas 46 $ 9,140,000 $ 198,695 $ 141,000
Deaf Smith, Texas 44 $ 5,240,000 $ 119,090 $ 74,000
Hardin, Texas 39 $ 9,195,000 $ 235,769 $ 206,000
Jones, Texas 37 $ 6,515,000 $ 176,081 $ 133,000
Somervell, Texas 31 $ 9,855,000 $ 317,903 $ 162,000
Galveston, Texas 28 $ 9,130,000 $ 326,071 $ 209,000
Ector, Texas 26 $ 5,230,000 $ 201,153 $ 86,000
Wharton, Texas 23 $ 2,915,000 $ 126,739 $ 108,000
Travis, Texas 22 $ 8,580,000 $ 390,000 $ 201,000
Hays, Texas 20 $ 8,180,000 $ 409,000 $ 206,000
Shackelford, Texas 19 $ 3,595,000 $ 189,210 $ 125,000
Comanche, Texas 15 $ 1,525,000 $ 101,666 $ 112,000
Montague, Texas 15 $ 1,495,000 $ 99,666 $ 121,000
Robertson, Texas 14 $ 2,620,000 $ 187,142 $ 171,000
Kaufman, Texas 13 $ 3,905,000 $ 300,384 $ 118,000
Lubbock, Texas 13 $ 2,865,000 $ 220,384 $ 122,000
Brown, Texas 12 $ 2,290,000 $ 190,833 $ 116,000
Midland, Texas 12 $ 3,170,000 $ 264,166 $ 273,000
Wichita, Texas 12 $ 1,820,000 $ 151,666 $ 124,000
Williamson, Texas 12 $ 4,110,000 $ 342,500 $ 249,000
Grimes, Texas 11 $ 2,735,000 $ 248,636 $ 157,000
Navarro, Texas 11 $ 2,315,000 $ 210,454 $ 315,000
Rockwall, Texas 11 $ 9,285,000 $ 844,090 $ 127,000
Hill, Texas 10 $ 2,970,000 $ 297,000 $ 205,000
Runnels, Texas 10 $ 1,380,000 $ 138,000 $ 81,000
Stephens, Texas 10 $ 1,330,000 $ 133,000 $ 112,000
Burleson, Texas 9 $ 2,495,000 $ 277,222 $ 101,000
Hunt, Texas 9 $ 2,915,000 $ 323,888 $ 132,000
Randall, Texas 9 $ 2,445,000 $ 271,666 $ 219,000
San Jacinto, Texas 9 $ 4,365,000 $ 485,000 $ 220,000
Bosque, Texas 8 $ 1,430,000 $ 178,750 $ 131,000
Brazoria, Texas 7 $ 2,585,000 $ 369,285 $ 304,000
Coleman, Texas 7 $ 755,000 $ 107,857 $ 103,000
Cooke, Texas 7 $ 2,435,000 $ 347,857 $ 181,000
Fisher, Texas 7 $ 1,705,000 $ 243,571 $ 138,000
Henderson, Texas 7 $ 3,585,000 $ 512,142 $ 300,000
McLennan, Texas 7 $ 2,125,000 $ 303,571 $ 168,000
Newton, Texas 7 $ 1,255,000 $ 179,285 $ 113,000
Lincoln, New Mexico 6 $ 2,860,000 $ 476,666 $ 347,000
Bexar, Texas 6 $ 2,220,000 $ 370,000 $ 283,000
Burnet, Texas 6 $ 4,680,000 $ 780,000 $ 553,000
Jasper, Texas 6 $ 990,000 $ 165,000 $ 203,000
Mitchell, Texas 6 $ 490,000 $ 81,666 $ 91,000
Young, Texas 6 $ 550,000 $ 91,666 $ 123,000
Coryell, Texas 5 $ 2,655,000 $ 531,000 $ 209,000
Liberty, Texas 5 $ 695,000 $ 139,000 $ 96,000
Potter, Texas 5 $ 755,000 $ 151,000 $ 103,000
Waller, Texas 5 $ 1,545,000 $ 309,000 $ 122,000
Comal, Texas 4 $ 2,360,000 $ 590,000 $ 135,000
Hamilton, Texas 4 $ 1,150,000 $ 287,500 $ 93,000
Howard, Texas 4 $ 670,000 $ 167,500 $ 91,000
Llano, Texas 4 $ 4,700,000 $ 1,175,000 $ 668,000
Matagorda, Texas 4 $ 1,420,000 $ 355,000 $ 235,000
Nueces, Texas 4 $ 1,330,000 $ 332,500 $ 99,000
Scurry, Texas 4 $ 230,000 $ 57,500 $ 151,000
Tyler, Texas 4 $ 970,000 $ 242,500 $ 135,000
Sandoval, New Mexico 3 $ 795,000 $ 265,000 $ 130,000
Austin, Texas 3 $ 2,475,000 $ 825,000 $ 278,000
Bell, Texas 3 $ 1,105,000 $ 368,333 $ 250,000
Calhoun, Texas 3 $ 705,000 $ 235,000 $ 204,000
El Paso, Texas 3 $ 815,000 $ 271,666 $ 288,000
Grayson, Texas 3 $ 425,000 $ 141,666 $ 68,000
Haskell, Texas 3 $ 155,000 $ 51,666 $ 84,000
Hockley, Texas 3 $ 675,000 $ 225,000 $ 108,000
Jack, Texas 3 $ 355,000 $ 118,333 $ 725,000
Madison, Texas 3 $ 525,000 $ 175,000 $ 65,000
Trinity, Texas 3 $ 255,000 $ 85,000 $ 112,000
Washington, Texas 3 $ 1,055,000 $ 351,666 $ 171,000
Aransas, Texas 2 $ 990,000 $ 495,000 $ 218,000
Cameron, Texas 2 $ 810,000 $ 405,000 $ 296,000
Coke, Texas 2 $ 180,000 $ 90,000 $ 159,000
Colorado, Texas 2 $ 150,000 $ 75,000 $ 149,000
Crockett, Texas 2 $ 80,000 $ 40,000 $ 56,000
Fayette, Texas 2 $ 730,000 $ 365,000 $ 187,000
Hansford, Texas 2 $ 310,000 $ 155,000 $ 94,000
Harrison, Texas 2 $ 400,000 $ 200,000 $ 231,000
Hidalgo, Texas 2 $ 750,000 $ 375,000 $ 162,000
Kendall, Texas 2 $ 1,040,000 $ 520,000 $ 153,000
Mills, Texas 2 $ 230,000 $ 115,000 $ 123,000
Polk, Texas 2 $ 180,000 $ 90,000 $ 68,000
Sabine, Texas 2 $ 460,000 $ 230,000 $ 399,000
Smith, Texas 2 $ 690,000 $ 345,000 $ 129,000
Wood, Texas 2 $ 910,000 $ 455,000 $ 203,000
Benton, Arkansas 1 $ 345,000 $ 345,000 $ 172,000
Independence, Arkansas 1 $ 275,000 $ 275,000 $ 141,000
Pike, Arkansas 1 $ 265,000 $ 265,000 $ 120,000
Arapahoe, Colorado 1 $ 535,000 $ 535,000 $ 576,000
Archuleta, Colorado 1 $ 605,000 $ 605,000 $ 260,000
Chaffee, Colorado 1 $ 975,000 $ 975,000 $ 487,000
Eagle, Colorado 1 $ 55,000 $ 55,000 $ 1,036,000
Garfield, Colorado 1 $ 1,505,000 $ 1,505,000 $ 0
Gunnison, Colorado 1 $ 305,000 $ 305,000 $ 445,000
Jefferson, Colorado 1 $ 475,000 $ 475,000 $ 0
Pitkin, Colorado 1 $ 5,505,000 $ 5,505,000 $ 0
Escambia, Florida 1 $ 655,000 $ 655,000 $ 671,000
Okaloosa, Florida 1 $ 545,000 $ 545,000 $ 0
Hall, Georgia 1 $ 715,000 $ 715,000 $ 240,000
Sabine, Louisiana 1 $ 255,000 $ 255,000 $ 335,000
York, Maine 1 $ 325,000 $ 325,000 $ 140,000
Worcester, Massachusetts 1 $ 615,000 $ 615,000 $ 197,000
Hillsdale, Michigan 1 $ 125,000 $ 125,000 $ 897,000
Colfax, New Mexico 1 $ 605,000 $ 605,000 $ 1,120,000
Curry, New Mexico 1 $ 245,000 $ 245,000 $ 48,000
Eddy, New Mexico 1 $ 95,000 $ 95,000 $ 55,000
Lea, New Mexico 1 $ 175,000 $ 175,000 $ 93,000
Alexander, North Carolina 1 $ 245,000 $ 245,000 $ 72,000
Moore, North Carolina 1 $ 265,000 $ 265,000 $ 85,000
Watauga, North Carolina 1 $ 325,000 $ 325,000 $ 190,000
Canadian, Oklahoma 1 $ 265,000 $ 265,000 $ 124,000
Le Flore, Oklahoma 1 $ 165,000 $ 165,000 $ 0
Tulsa, Oklahoma 1 $ 265,000 $ 265,000 $ 100,000
Wagoner, Oklahoma 1 $ 245,000 $ 245,000 $ 102,000
Horry, South Carolina 1 $ 325,000 $ 325,000 $ 250,000
Angelina, Texas 1 $ 125,000 $ 125,000 $ 446,000
Atascosa, Texas 1 $ 85,000 $ 85,000 $ 50,000
Bastrop, Texas 1 $ 275,000 $ 275,000 $ 90,000
Blanco, Texas 1 $ 195,000 $ 195,000 $ 58,000
Borden, Texas 1 $ 185,000 $ 185,000 $ 110,000
Castro, Texas 1 $ 85,000 $ 85,000 $ 55,000
Chambers, Texas 1 $ 305,000 $ 305,000 $ 703,000
Clay, Texas 1 $ 35,000 $ 35,000 $ 40,000
Concho, Texas 1 $ 25,000 $ 25,000 $ 112,000
Fannin, Texas 1 $ 105,000 $ 105,000 $ 113,000
Floyd, Texas 1 $ 255,000 $ 255,000 $ 79,000
Freestone, Texas 1 $ 145,000 $ 145,000 $ 5,000
Gillespie, Texas 1 $ 165,000 $ 165,000 $ 183,000
Gray, Texas 1 $ 525,000 $ 525,000 $ 0
Gregg, Texas 1 $ 75,000 $ 75,000 $ 216,000
Guadalupe, Texas 1 $ 285,000 $ 285,000 $ 77,000
Hall, Texas 1 $ 45,000 $ 45,000 $ 90,000
Hopkins, Texas 1 $ 245,000 $ 245,000 $ 91,000
Houston, Texas 1 $ 225,000 $ 225,000 $ 64,000
Knox, Texas 1 $ 155,000 $ 155,000 $ 115,000
Lamar, Texas 1 $ 75,000 $ 75,000 $ 83,000
Leon, Texas 1 $ 205,000 $ 205,000 $ 57,000
Limestone, Texas 1 $ 275,000 $ 275,000 $ 121,000
Milam, Texas 1 $ 115,000 $ 115,000 $ 128,000
Morris, Texas 1 $ 415,000 $ 415,000 $ 102,000
Oldham, Texas 1 $ 185,000 $ 185,000 $ 219,000
Panola, Texas 1 $ 205,000 $ 205,000 $ 134,000
Parmer, Texas 1 $ 55,000 $ 55,000 $ 58,000
Pecos, Texas 1 $ 135,000 $ 135,000 $ 115,000
Reagan, Texas 1 $ 165,000 $ 165,000 $ 78,000
Rusk, Texas 1 $ 205,000 $ 205,000 $ 84,000
San Saba, Texas 1 $ 235,000 $ 235,000 $ 87,000
Sterling, Texas 1 $ 175,000 $ 175,000 $ 76,000
Stonewall, Texas 1 $ 145,000 $ 145,000 $ 143,000
Sutton, Texas 1 $ 175,000 $ 175,000 $ 71,000
Throckmorton, Texas 1 $ 65,000 $ 65,000 $ 58,000
Van Zandt, Texas 1 $ 35,000 $ 35,000 $ 201,000
Summit, Utah 1 $ 755,000 $ 755,000 $ 834,000

Mortgage Loan Application Detail Totals for First Financial Bank in 2023

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 3,261 $1,037,275,000 $318,000 $38,095,000 $160,000 $4,308,000
Home Improvement 801 $97,675,000 $121,000 $2,205,000 $181,000 $2,574,000
Other Purpose 575 $66,115,000 $114,000 $2,005,000 $131,000 $1,408,000
Cash-out Refinancing 317 $72,745,000 $229,000 $6,505,000 $172,000 $1,882,000
Refinancing 192 $49,290,000 $256,000 $1,975,000 $173,000 $6,012,000
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 2,889 $734,535,000 $254,000 $4,005,000 $186,000 $6,012,000
Hispanic 1,278 $254,360,000 $199,000 $1,605,000 $99,000 $1,056,000
Not applicable 394 $172,620,000 $438,000 $38,095,000 $0 $0
Not Provided 347 $99,715,000 $287,000 $3,505,000 $197,000 $2,161,000
Black or African American 120 $30,130,000 $251,000 $1,075,000 $132,000 $533,000
Asian 86 $24,430,000 $284,000 $1,405,000 $164,000 $640,000
American Indian or Alaskan Native 28 $6,460,000 $230,000 $1,035,000 $131,000 $368,000
Native Hawaiian or Other Pacific Islander 4 $850,000 $212,000 $405,000 $160,000 $230,000

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) 4,752 $1,210,490,000 $254,000 $38,095,000 $166,000 $6,012,000
FHA-insured (Federal Housing Administration) 245 $58,005,000 $236,000 $485,000 $98,000 $306,000
VA-guaranteed (Veterans Administration) 147 $54,185,000 $368,000 $1,035,000 $145,000 $1,723,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $420,000 $210,000 $225,000 $93,000 $102,000

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 3,808 $1,020,270,000 $267,000 $38,095,000 $170,000 $6,012,000
Application Withdrawn By Applicant 622 $178,920,000 $287,000 $2,505,000 $168,000 $3,244,000
Application Denied By Financial Institution 591 $94,315,000 $159,000 $4,005,000 $102,000 $2,574,000
Application Approved But Not Accepted 82 $16,320,000 $199,000 $1,965,000 $169,000 $871,000
File Closed For Incompleteness 43 $13,275,000 $308,000 $1,505,000 $161,000 $684,000
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 4,555 $1,228,785,000 $269,000 $38,095,000 $170,000 $6,012,000
Debt-To-Income Ratio 253 $46,215,000 $182,000 $1,675,000 $81,000 $772,000
Credit History 192 $23,270,000 $121,000 $1,005,000 $92,000 $589,000
Collateral 59 $11,795,000 $199,000 $4,005,000 $153,000 $1,018,000
Other 50 $6,320,000 $126,000 $405,000 $206,000 $2,574,000
Employment History 16 $2,860,000 $178,000 $575,000 $50,000 $144,000
Unverifiable Information 12 $2,030,000 $169,000 $455,000 $113,000 $184,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,020,000 $170,000 $265,000 $117,000 $177,000
Credit Application Incomplete 3 $805,000 $268,000 $465,000 $127,000 $144,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2023 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