First Financial Bank, N.A. Mortgage Lending & HMDA Data, 2011
In 2011, First Financial Bank, N.A. of Cleburne, TX reported 319 mortgage applications totaling $26.6 million, up 78% from 2010. The average application was for $83,539, and applicants reported an average income of $128,338. 80% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Fort Worth-Arlington, TX (225), Dallas-Plano-Irving, TX (65) and College Station-Bryan, TX (1) (applications in parentheses).
| Mortgage Company & Address | First Financial Bank, N.A. 200 North Ridgeway Drive Cleburne, TX 76033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 319 |
| Total Mortgage Loan Application Amount | $26,649,000 |
| Average Mortgage Loan Application Amount | $83,539 |
| Highest Mortgage Loan Application Amount | $820,000 |
| Average Applicant Income | $128,338 |
| Highest Applicant Income | $4,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson, Texas | 194 | $ 13,449,000 | $ 69,324 | $ 126,000 |
| Ellis, Texas | 58 | $ 6,788,000 | $ 117,034 | $ 138,000 |
| Tarrant, Texas | 26 | $ 2,606,000 | $ 100,230 | $ 193,000 |
| Hill, Texas | 11 | $ 701,000 | $ 63,727 | $ 64,000 |
| Dallas, Texas | 6 | $ 493,000 | $ 82,166 | $ 71,000 |
| Bosque, Texas | 4 | $ 352,000 | $ 88,000 | $ 93,000 |
| Parker, Texas | 4 | $ 235,000 | $ 58,750 | $ 116,000 |
| Somervell, Texas | 4 | $ 473,000 | $ 118,250 | $ 55,000 |
| Wood, Texas | 2 | $ 48,000 | $ 24,000 | $ 120,000 |
| Colfax, New Mexico | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Bell, Texas | 1 | $ 417,000 | $ 417,000 | $ 380,000 |
| Brazos, Texas | 1 | $ 122,000 | $ 122,000 | $ 203,000 |
| Grayson, Texas | 1 | $ 128,000 | $ 128,000 | $ 108,000 |
| Hood, Texas | 1 | $ 110,000 | $ 110,000 | $ 91,000 |
| Palo Pinto, Texas | 1 | $ 64,000 | $ 64,000 | $ 46,000 |
| Rockwall, Texas | 1 | $ 76,000 | $ 76,000 | $ 28,000 |
| Tom Green, Texas | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Wise, Texas | 1 | $ 193,000 | $ 193,000 | $ 100,000 |
| Spotsylvania, Virginia | 1 | $ 2,000 | $ 2,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for First Financial Bank, N.A. in 2011
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 Improvement | 162 | $6,416,000 | $39,000 | $445,000 | $77,000 | $269,000 |
| Refinancing | 86 | $12,491,000 | $145,000 | $820,000 | $118,000 | $2,000,000 |
| Home Purchase | 71 | $7,742,000 | $109,000 | $640,000 | $258,000 | $4,000,000 |
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 | 249 | $21,970,000 | $88,000 | $640,000 | $152,000 | $4,000,000 |
| Hispanic | 25 | $1,663,000 | $66,000 | $417,000 | $65,000 | $264,000 |
| Not applicable | 23 | $2,176,000 | $94,000 | $820,000 | $1,000 | $40,000 |
| Not Provided | 17 | $147,000 | $8,000 | $53,000 | $58,000 | $161,000 |
| American Indian or Alaskan Native | 3 | $405,000 | $135,000 | $170,000 | $88,000 | $110,000 |
| Asian | 1 | $231,000 | $231,000 | $231,000 | $110,000 | $110,000 |
| Black or African American | 1 | $57,000 | $57,000 | $57,000 | $29,000 | $29,000 |
| 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) | 315 | $26,154,000 | $83,000 | $820,000 | $129,000 | $4,000,000 |
| FHA-insured (Federal Housing Administration) | 4 | $495,000 | $123,000 | $193,000 | $54,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 254 | $23,475,000 | $92,000 | $820,000 | $146,000 | $4,000,000 |
| Application Denied By Financial Institution | 50 | $1,789,000 | $35,000 | $445,000 | $54,000 | $185,000 |
| Application Approved But Not Accepted | 11 | $1,140,000 | $103,000 | $270,000 | $93,000 | $212,000 |
| Application Withdrawn By Applicant | 2 | $50,000 | $25,000 | $30,000 | $44,000 | $70,000 |
| File Closed For Incompleteness | 2 | $195,000 | $97,000 | $170,000 | $59,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $515,000 | $17,000 | $137,000 | $48,000 | $149,000 |
| Collateral | 7 | $345,000 | $49,000 | $150,000 | $71,000 | $185,000 |
| Other | 6 | $584,000 | $97,000 | $445,000 | $65,000 | $98,000 |
| Debt-To-Income Ratio | 5 | $328,000 | $65,000 | $176,000 | $64,000 | $132,000 |
| Employment History | 1 | $2,000 | $2,000 | $2,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank, N.A.'s 2011 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, N.A.'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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