American National Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
American National Bank And Trust Company 2010 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American National Bank And Trust Company 628 Main Street Danville, VA 24541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 480 |
| Total Mortgage Loan Application Amount | $65,052,000 |
| Average Mortgage Loan Application Amount | $110,333 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $69,666 |
| Highest Applicant Income | $1,549,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with American National Bank And Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American National Bank And Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down American National Bank And Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American National Bank And Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by American National Bank And Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American National Bank And Trust Company's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsylvania County Virginia | 103 | $ 13,415,000 | $ 130,000 | $ 62,000 |
| Henry County Virginia | 85 | $ 12,418,000 | $ 146,000 | $ 73,000 |
| Danville County Virginia | 83 | $ 7,817,000 | $ 94,000 | $ 66,000 |
| Martinsville County Virginia | 34 | $ 3,195,000 | $ 93,000 | $ 56,000 |
| Bedford County Virginia | 25 | $ 5,541,000 | $ 221,000 | $ 105,000 |
| Halifax County Virginia | 25 | $ 2,544,000 | $ 101,000 | $ 63,000 |
| Wythe County Virginia | 24 | $ 2,570,000 | $ 107,000 | $ 42,000 |
| Lynchburg County Virginia | 15 | $ 2,157,000 | $ 143,000 | $ 61,000 |
| Campbell County Virginia | 12 | $ 1,570,000 | $ 130,000 | $ 75,000 |
| Franklin County Virginia | 11 | $ 2,610,000 | $ 237,000 | $ 89,000 |
| Caswell County North Carolina | 9 | $ 578,000 | $ 64,000 | $ 28,000 |
| Roanoke County Virginia | 7 | $ 1,458,000 | $ 208,000 | $ 86,000 |
| Roanoke City County Virginia | 5 | $ 532,000 | $ 106,000 | $ 29,000 |
| Smyth County Virginia | 5 | $ 429,000 | $ 85,000 | $ 37,000 |
| Amherst County Virginia | 4 | $ 623,000 | $ 155,000 | $ 54,000 |
| Patrick County Virginia | 4 | $ 254,000 | $ 63,000 | $ 29,000 |
| Rockingham County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 26,000 |
| Botetourt County Virginia | 2 | $ 960,000 | $ 480,000 | $ 106,000 |
| Carroll County Virginia | 2 | $ 256,000 | $ 128,000 | $ 40,000 |
| Fairfax County Virginia | 2 | $ 642,000 | $ 321,000 | $ 205,000 |
| Montgomery County Virginia | 2 | $ 405,000 | $ 202,000 | $ 61,000 |
| Indian River County Florida | 1 | $ 675,000 | $ 675,000 | $ 1,098,000 |
| Franklin County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 13,000 |
| Guilford County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 142,000 |
| Nash County North Carolina | 1 | $ 1,250,000 | $ 1,250,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 167,000 |
| Stokes County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 63,000 |
| Wake County North Carolina | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Horry County South Carolina | 1 | $ 107,000 | $ 107,000 | $ 74,000 |
| Appomattox County Virginia | 1 | $ 272,000 | $ 272,000 | $ 130,000 |
| Bristol County Virginia | 1 | $ 229,000 | $ 229,000 | $ 110,000 |
| Chesterfield County Virginia | 1 | $ 277,000 | $ 277,000 | $ 126,000 |
| Floyd County Virginia | 1 | $ 133,000 | $ 133,000 | $ 32,000 |
| Mecklenburg County Virginia | 1 | $ 27,000 | $ 27,000 | $ 70,000 |
| Nelson County Virginia | 1 | $ 171,000 | $ 171,000 | $ 76,000 |
| Radford County Virginia | 1 | $ 142,000 | $ 142,000 | $ 29,000 |
| Richmond City County Virginia | 1 | $ 666,000 | $ 666,000 | $ 95,000 |
| Salem County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Washington County Virginia | 1 | $ 154,000 | $ 154,000 | $ 47,000 |
| Mercer County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for American National Bank And Trust Company in 2010
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 | 313 | $42,659,000 | $136,000 | $1,250,000 | $61,000 | $1,098,000 |
| Refinancing | 130 | $21,158,000 | $162,000 | $566,000 | $87,000 | $1,549,000 |
| Home Improvement | 37 | $1,235,000 | $33,000 | $305,000 | $61,000 | $435,000 |
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 | 405 | $54,323,000 | $134,000 | $826,000 | $74,000 | $1,549,000 |
| Black or African American | 40 | $4,132,000 | $103,000 | $480,000 | $54,000 | $280,000 |
| Not applicable | 19 | $4,216,000 | $221,000 | $1,250,000 | $0 | $0 |
| Hispanic | 10 | $1,169,000 | $116,000 | $277,000 | $44,000 | $126,000 |
| Asian | 5 | $982,000 | $196,000 | $311,000 | $59,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $230,000 | $230,000 | $230,000 | $111,000 | $111,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 203 | $29,102,000 | $143,000 | $1,250,000 | $94,000 | $1,549,000 |
| FHA-insured (Federal Housing Administration) | 170 | $23,013,000 | $135,000 | $393,000 | $54,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $8,778,000 | $109,000 | $199,000 | $37,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 27 | $4,159,000 | $154,000 | $312,000 | $56,000 | $520,000 |
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 | 420 | $57,800,000 | $137,000 | $1,250,000 | $71,000 | $1,549,000 |
| Application Denied By Financial Institution | 33 | $3,963,000 | $120,000 | $540,000 | $43,000 | $133,000 |
| Application Withdrawn By Applicant | 21 | $2,388,000 | $113,000 | $300,000 | $53,000 | $116,000 |
| Application Approved But Not Accepted | 6 | $901,000 | $150,000 | $271,000 | $76,000 | $185,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 15 | $1,465,000 | $97,000 | $276,000 | $38,000 | $81,000 |
| Debt-To-Income Ratio | 11 | $1,586,000 | $144,000 | $540,000 | $41,000 | $133,000 |
| Collateral | 4 | $513,000 | $128,000 | $204,000 | $60,000 | $115,000 |
| Other | 1 | $97,000 | $97,000 | $97,000 | $21,000 | $21,000 |
| Unverifiable Information | 1 | $144,000 | $144,000 | $144,000 | $56,000 | $56,000 |
| Employment History | 1 | $158,000 | $158,000 | $158,000 | $68,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 American National Bank And Trust Company's 2010 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 American National Bank And Trust Company'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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.