First Financial Bank Mortgage Lending & HMDA Data, 2024

In 2024, First Financial Bank of Abilene, TX reported 5,305 mortgage applications totaling $1.4 billion, up 3% from 2023. The average application was for $270,328, and applicants reported an average income of $170,580. 75% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fort Worth-Arlington, TX (1,177), Abilene, TX (943) and Dallas-Plano-Irving, TX (639) (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 5,305
Total Mortgage Loan Application Amount $1,434,095,000
Average Mortgage Loan Application Amount $270,328
Highest Mortgage Loan Application Amount $33,535,000
Average Applicant Income $170,580
Highest Applicant Income $4,000,000

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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Taylor, Texas 819 $ 176,985,000 $ 216,098 $ 137,000
Tarrant, Texas 627 $ 197,695,000 $ 315,303 $ 184,000
Harris, Texas 312 $ 122,700,000 $ 393,269 $ 133,000
Dallas, Texas 292 $ 98,850,000 $ 338,527 $ 195,000
Parker, Texas 287 $ 89,025,000 $ 310,191 $ 227,000
Tom Green, Texas 229 $ 51,535,000 $ 225,043 $ 143,000
Brazos, Texas 210 $ 54,250,000 $ 258,333 $ 191,000
Montgomery, Texas 191 $ 63,155,000 $ 330,654 $ 224,000
Johnson, Texas 163 $ 33,845,000 $ 207,638 $ 141,000
Eastland, Texas 138 $ 19,350,000 $ 140,217 $ 103,000
Jefferson, Texas 137 $ 32,525,000 $ 237,408 $ 141,000
Ellis, Texas 135 $ 31,465,000 $ 233,074 $ 167,000
Erath, Texas 126 $ 31,410,000 $ 249,285 $ 231,000
Hood, Texas 114 $ 31,000,000 $ 271,929 $ 225,000
Denton, Texas 111 $ 37,295,000 $ 335,990 $ 242,000
Wise, Texas 100 $ 19,640,000 $ 196,400 $ 171,000
Palo Pinto, Texas 80 $ 21,090,000 $ 263,625 $ 139,000
Callahan, Texas 68 $ 12,140,000 $ 178,529 $ 131,000
Orange, Texas 65 $ 11,085,000 $ 170,538 $ 107,000
Fort Bend, Texas 64 $ 19,870,000 $ 310,468 $ 189,000
Collin, Texas 56 $ 21,470,000 $ 383,392 $ 219,000
Jones, Texas 56 $ 8,490,000 $ 151,607 $ 119,000
Nolan, Texas 54 $ 6,140,000 $ 113,703 $ 93,000
Travis, Texas 36 $ 19,810,000 $ 550,277 $ 389,000
Deaf Smith, Texas 35 $ 4,145,000 $ 118,428 $ 82,000
Somervell, Texas 34 $ 9,110,000 $ 267,941 $ 243,000
Walker, Texas 33 $ 9,455,000 $ 286,515 $ 143,000
Hardin, Texas 31 $ 8,435,000 $ 272,096 $ 171,000
Robertson, Texas 31 $ 7,485,000 $ 241,451 $ 143,000
Galveston, Texas 26 $ 9,690,000 $ 372,692 $ 246,000
Hays, Texas 25 $ 12,445,000 $ 497,800 $ 296,000
Burleson, Texas 21 $ 5,675,000 $ 270,238 $ 157,000
Shackelford, Texas 21 $ 4,585,000 $ 218,333 $ 153,000
Kaufman, Texas 19 $ 3,975,000 $ 209,210 $ 88,000
Comanche, Texas 18 $ 3,000,000 $ 166,666 $ 105,000
Grimes, Texas 18 $ 5,410,000 $ 300,555 $ 134,000
Montague, Texas 17 $ 2,575,000 $ 151,470 $ 136,000
Midland, Texas 16 $ 4,160,000 $ 260,000 $ 237,000
Hunt, Texas 15 $ 4,165,000 $ 277,666 $ 163,000
Lubbock, Texas 15 $ 3,935,000 $ 262,333 $ 235,000
Scurry, Texas 15 $ 2,615,000 $ 174,333 $ 164,000
Ector, Texas 14 $ 2,390,000 $ 170,714 $ 123,000
Randall, Texas 14 $ 3,810,000 $ 272,142 $ 198,000
Jasper, Texas 13 $ 3,715,000 $ 285,769 $ 200,000
Brown, Texas 12 $ 3,630,000 $ 302,500 $ 217,000
Fisher, Texas 12 $ 2,100,000 $ 175,000 $ 111,000
Wharton, Texas 12 $ 2,020,000 $ 168,333 $ 198,000
Brazoria, Texas 11 $ 2,805,000 $ 255,000 $ 207,000
Grayson, Texas 11 $ 3,855,000 $ 350,454 $ 192,000
Jack, Texas 11 $ 2,015,000 $ 183,181 $ 140,000
Newton, Texas 11 $ 2,055,000 $ 186,818 $ 117,000
Rockwall, Texas 11 $ 3,605,000 $ 327,727 $ 141,000
Navarro, Texas 10 $ 1,930,000 $ 193,000 $ 108,000
Williamson, Texas 10 $ 2,700,000 $ 270,000 $ 121,000
Hamilton, Texas 9 $ 1,015,000 $ 112,777 $ 97,000
Hill, Texas 9 $ 2,155,000 $ 239,444 $ 152,000
Stephens, Texas 9 $ 1,965,000 $ 218,333 $ 188,000
Henderson, Texas 8 $ 7,550,000 $ 943,750 $ 204,000
Madison, Texas 8 $ 2,180,000 $ 272,500 $ 210,000
McLennan, Texas 8 $ 1,550,000 $ 193,750 $ 212,000
Bosque, Texas 7 $ 815,000 $ 116,428 $ 86,000
Runnels, Texas 7 $ 1,115,000 $ 159,285 $ 123,000
San Jacinto, Texas 7 $ 1,555,000 $ 222,142 $ 170,000
Smith, Texas 7 $ 1,065,000 $ 152,142 $ 240,000
Bell, Texas 6 $ 2,000,000 $ 333,333 $ 119,000
Comal, Texas 6 $ 1,650,000 $ 275,000 $ 122,000
Leon, Texas 6 $ 1,840,000 $ 306,666 $ 118,000
Liberty, Texas 6 $ 1,930,000 $ 321,666 $ 200,000
Matagorda, Texas 5 $ 785,000 $ 157,000 $ 177,000
Mitchell, Texas 5 $ 875,000 $ 175,000 $ 104,000
Van Zandt, Texas 5 $ 505,000 $ 101,000 $ 167,000
Waller, Texas 5 $ 1,225,000 $ 245,000 $ 97,000
Washington, Texas 5 $ 1,695,000 $ 339,000 $ 205,000
Wichita, Texas 5 $ 905,000 $ 181,000 $ 192,000
Bastrop, Texas 4 $ 1,660,000 $ 415,000 $ 245,000
Bexar, Texas 4 $ 1,770,000 $ 442,500 $ 220,000
Chambers, Texas 4 $ 880,000 $ 220,000 $ 248,000
Coke, Texas 4 $ 680,000 $ 170,000 $ 114,000
Polk, Texas 4 $ 1,060,000 $ 265,000 $ 106,000
Blanco, Texas 3 $ 535,000 $ 178,333 $ 199,000
Coleman, Texas 3 $ 1,085,000 $ 361,666 $ 228,000
Cooke, Texas 3 $ 755,000 $ 251,666 $ 82,000
Coryell, Texas 3 $ 915,000 $ 305,000 $ 185,000
Gillespie, Texas 3 $ 1,665,000 $ 555,000 $ 140,000
Kerr, Texas 3 $ 2,285,000 $ 761,666 $ 232,000
Nacogdoches, Texas 3 $ 1,505,000 $ 501,666 $ 205,000
Nueces, Texas 3 $ 2,425,000 $ 808,333 $ 254,000
Potter, Texas 3 $ 435,000 $ 145,000 $ 157,000
Schleicher, Texas 3 $ 415,000 $ 138,333 $ 170,000
Stonewall, Texas 3 $ 395,000 $ 131,666 $ 75,000
Wood, Texas 3 $ 735,000 $ 245,000 $ 151,000
Benton, Arkansas 2 $ 1,050,000 $ 525,000 $ 174,000
Pulaski, Arkansas 2 $ 950,000 $ 475,000 $ 261,000
Collier, Florida 2 $ 520,000 $ 260,000 $ 88,000
East Baton Rouge, Louisiana 2 $ 1,140,000 $ 570,000 $ 273,000
Garfield, Oklahoma 2 $ 560,000 $ 280,000 $ 94,000
Okmulgee, Oklahoma 2 $ 470,000 $ 235,000 $ 156,000
Charleston, South Carolina 2 $ 990,000 $ 495,000 $ 255,000
Aransas, Texas 2 $ 880,000 $ 440,000 $ 344,000
Austin, Texas 2 $ 590,000 $ 295,000 $ 128,000
Burnet, Texas 2 $ 580,000 $ 290,000 $ 123,000
Castro, Texas 2 $ 110,000 $ 55,000 $ 72,000
Cherokee, Texas 2 $ 490,000 $ 245,000 $ 322,000
Concho, Texas 2 $ 140,000 $ 70,000 $ 42,000
Freestone, Texas 2 $ 330,000 $ 165,000 $ 271,000
Houston, Texas 2 $ 350,000 $ 175,000 $ 263,000
Irion, Texas 2 $ 180,000 $ 90,000 $ 160,000
McCulloch, Texas 2 $ 440,000 $ 220,000 $ 115,000
Milam, Texas 2 $ 510,000 $ 255,000 $ 129,000
Mills, Texas 2 $ 130,000 $ 65,000 $ 170,000
Parmer, Texas 2 $ 540,000 $ 270,000 $ 138,000
San Saba, Texas 2 $ 990,000 $ 495,000 $ 149,000
Tyler, Texas 2 $ 460,000 $ 230,000 $ 143,000
Young, Texas 2 $ 120,000 $ 60,000 $ 14,000
Tuscaloosa, Alabama 1 $ 235,000 $ 235,000 $ 226,000
Maricopa, Arizona 1 $ 375,000 $ 375,000 $ 75,000
Pope, Arkansas 1 $ 245,000 $ 245,000 $ 65,000
El Dorado, California 1 $ 495,000 $ 495,000 $ 189,000
Orange, California 1 $ 155,000 $ 155,000 $ 204,000
Archuleta, Colorado 1 $ 805,000 $ 805,000 $ 767,000
La Plata, Colorado 1 $ 575,000 $ 575,000 $ 341,000
Las Animas, Colorado 1 $ 85,000 $ 85,000 $ 42,000
Routt, Colorado 1 $ 645,000 $ 645,000 $ 773,000
Weld, Colorado 1 $ 555,000 $ 555,000 $ 154,000
Santa Rosa, Florida 1 $ 725,000 $ 725,000 $ 513,000
St. Lucie, Florida 1 $ 285,000 $ 285,000 $ 45,000
Oconee, Georgia 1 $ 685,000 $ 685,000 $ 420,000
Caddo, Louisiana 1 $ 195,000 $ 195,000 $ 95,000
Lafayette, Louisiana 1 $ 235,000 $ 235,000 $ 92,000
Morris, New Jersey 1 $ 1,745,000 $ 1,745,000 $ 617,000
Bernalillo, New Mexico 1 $ 425,000 $ 425,000 $ 158,000
Colfax, New Mexico 1 $ 155,000 $ 155,000 $ 46,000
Curry, New Mexico 1 $ 465,000 $ 465,000 $ 645,000
Lincoln, New Mexico 1 $ 355,000 $ 355,000 $ 800,000
Taos, New Mexico 1 $ 105,000 $ 105,000 $ 191,000
Brunswick, North Carolina 1 $ 545,000 $ 545,000 $ 764,000
Durham, North Carolina 1 $ 525,000 $ 525,000 $ 445,000
Guilford, North Carolina 1 $ 385,000 $ 385,000 $ 185,000
Canadian, Oklahoma 1 $ 265,000 $ 265,000 $ 73,000
Creek, Oklahoma 1 $ 165,000 $ 165,000 $ 246,000
Oklahoma, Oklahoma 1 $ 175,000 $ 175,000 $ 58,000
Payne, Oklahoma 1 $ 205,000 $ 205,000 $ 0
Anderson, South Carolina 1 $ 205,000 $ 205,000 $ 90,000
Greenville, South Carolina 1 $ 755,000 $ 755,000 $ 207,000
Horry, South Carolina 1 $ 285,000 $ 285,000 $ 106,000
Brule, South Dakota 1 $ 335,000 $ 335,000 $ 115,000
Knox, Tennessee 1 $ 705,000 $ 705,000 $ 330,000
Anderson, Texas 1 $ 525,000 $ 525,000 $ 220,000
Angelina, Texas 1 $ 95,000 $ 95,000 $ 136,000
Archer, Texas 1 $ 205,000 $ 205,000 $ 291,000
Baylor, Texas 1 $ 55,000 $ 55,000 $ 71,000
Crockett, Texas 1 $ 175,000 $ 175,000 $ 97,000
Falls, Texas 1 $ 635,000 $ 635,000 $ 122,000
Fannin, Texas 1 $ 505,000 $ 505,000 $ 243,000
Guadalupe, Texas 1 $ 295,000 $ 295,000 $ 68,000
Harrison, Texas 1 $ 485,000 $ 485,000 $ 0
Haskell, Texas 1 $ 135,000 $ 135,000 $ 67,000
Hockley, Texas 1 $ 125,000 $ 125,000 $ 260,000
Howard, Texas 1 $ 65,000 $ 65,000 $ 29,000
Hutchinson, Texas 1 $ 55,000 $ 55,000 $ 67,000
Jim Wells, Texas 1 $ 105,000 $ 105,000 $ 90,000
Kendall, Texas 1 $ 185,000 $ 185,000 $ 210,000
Knox, Texas 1 $ 105,000 $ 105,000 $ 67,000
Lamar, Texas 1 $ 245,000 $ 245,000 $ 195,000
Llano, Texas 1 $ 345,000 $ 345,000 $ 199,000
Martin, Texas 1 $ 145,000 $ 145,000 $ 90,000
Menard, Texas 1 $ 95,000 $ 95,000 $ 129,000
Sabine, Texas 1 $ 155,000 $ 155,000 $ 129,000
San Augustine, Texas 1 $ 85,000 $ 85,000 $ 100,000
Trinity, Texas 1 $ 495,000 $ 495,000 $ 240,000
Val Verde, Texas 1 $ 195,000 $ 195,000 $ 226,000
Yoakum, Texas 1 $ 85,000 $ 85,000 $ 305,000

Mortgage Loan Application Detail Totals for First Financial Bank in 2024

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 3,263 $1,096,585,000 $336,000 $33,535,000 $167,000 $4,000,000
Home Improvement 897 $132,915,000 $148,000 $7,505,000 $195,000 $2,437,000
Other Purpose 628 $75,350,000 $119,000 $975,000 $153,000 $3,380,000
Cash-out Refinancing 317 $75,015,000 $236,000 $6,945,000 $171,000 $3,060,000
Refinancing 200 $54,230,000 $271,000 $2,375,000 $174,000 $3,015,000
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 2,994 $814,780,000 $272,000 $5,355,000 $197,000 $4,000,000
Hispanic 1,318 $277,330,000 $210,000 $1,505,000 $107,000 $1,149,000
Not applicable 376 $160,240,000 $426,000 $33,535,000 $0 $0
Not Provided 361 $111,535,000 $308,000 $7,505,000 $187,000 $2,005,000
Black or African American 125 $28,625,000 $229,000 $2,515,000 $145,000 $1,060,000
Asian 93 $32,095,000 $345,000 $1,705,000 $215,000 $1,308,000
American Indian or Alaskan Native 33 $7,875,000 $238,000 $695,000 $145,000 $600,000
Native Hawaiian or Other Pacific Islander 5 $1,615,000 $323,000 $655,000 $171,000 $264,000

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) 4,847 $1,299,255,000 $268,000 $33,535,000 $177,000 $4,000,000
FHA-insured (Federal Housing Administration) 282 $68,490,000 $242,000 $505,000 $95,000 $740,000
VA-guaranteed (Veterans Administration) 174 $66,080,000 $379,000 $1,005,000 $136,000 $389,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $270,000 $135,000 $175,000 $60,000 $68,000

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 3,975 $1,095,825,000 $275,000 $33,535,000 $176,000 $3,015,000
Application Withdrawn By Applicant 656 $210,190,000 $320,000 $7,505,000 $180,000 $4,000,000
Application Denied By Financial Institution 577 $107,845,000 $186,000 $6,945,000 $125,000 $3,380,000
Application Approved But Not Accepted 48 $9,850,000 $205,000 $1,015,000 $181,000 $636,000
File Closed For Incompleteness 48 $10,090,000 $210,000 $1,505,000 $200,000 $2,100,000
Loan Purchased By The Institution 1 $295,000 $295,000 $295,000 $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 4,728 $1,326,250,000 $280,000 $33,535,000 $177,000 $4,000,000
Debt-To-Income Ratio 285 $57,745,000 $202,000 $5,005,000 $100,000 $3,060,000
Credit History 156 $20,880,000 $133,000 $635,000 $142,000 $3,380,000
Other 60 $14,800,000 $246,000 $6,945,000 $189,000 $800,000
Collateral 55 $9,705,000 $176,000 $765,000 $143,000 $467,000
Unverifiable Information 12 $2,800,000 $233,000 $755,000 $106,000 $192,000
Employment History 6 $1,170,000 $195,000 $525,000 $32,000 $82,000
Credit Application Incomplete 2 $550,000 $275,000 $445,000 $190,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 1 $195,000 $195,000 $195,000 $48,000 $48,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2024 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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