American National Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
American National Bank And Trust Company 2016 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 | 647 |
| Total Mortgage Loan Application Amount | $145,722,000 |
| Average Mortgage Loan Application Amount | $187,333 |
| Highest Mortgage Loan Application Amount | $20,698,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $1,625,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Guilford County North Carolina | 102 | $ 22,820,000 | $ 223,000 | $ 69,000 |
| Alamance County North Carolina | 75 | $ 30,230,000 | $ 403,000 | $ 97,000 |
| Pittsylvania County Virginia | 71 | $ 8,064,000 | $ 113,000 | $ 57,000 |
| Franklin County Virginia | 54 | $ 8,406,000 | $ 155,000 | $ 73,000 |
| Danville County Virginia | 51 | $ 4,603,000 | $ 90,000 | $ 70,000 |
| Henry County Virginia | 41 | $ 7,010,000 | $ 170,000 | $ 49,000 |
| Lynchburg County Virginia | 27 | $ 4,396,000 | $ 162,000 | $ 80,000 |
| Halifax County Virginia | 21 | $ 1,595,000 | $ 75,000 | $ 52,000 |
| Bedford County Virginia | 20 | $ 4,711,000 | $ 235,000 | $ 106,000 |
| Wake County North Carolina | 17 | $ 3,278,000 | $ 192,000 | $ 92,000 |
| Martinsville County Virginia | 17 | $ 3,069,000 | $ 180,000 | $ 59,000 |
| Granville County North Carolina | 13 | $ 2,104,000 | $ 161,000 | $ 85,000 |
| Wythe County Virginia | 12 | $ 1,601,000 | $ 133,000 | $ 52,000 |
| Forsyth County North Carolina | 10 | $ 1,370,000 | $ 137,000 | $ 69,000 |
| Horry County South Carolina | 10 | $ 2,381,000 | $ 238,000 | $ 242,000 |
| Campbell County Virginia | 10 | $ 1,262,000 | $ 126,000 | $ 43,000 |
| Roanoke City County Virginia | 8 | $ 1,357,000 | $ 169,000 | $ 95,000 |
| Caswell County North Carolina | 7 | $ 535,000 | $ 76,000 | $ 57,000 |
| Durham County North Carolina | 6 | $ 1,183,000 | $ 197,000 | $ 121,000 |
| Orange County North Carolina | 6 | $ 1,336,000 | $ 222,000 | $ 69,000 |
| Person County North Carolina | 5 | $ 1,285,000 | $ 257,000 | $ 409,000 |
| Rockingham County North Carolina | 5 | $ 831,000 | $ 166,000 | $ 110,000 |
| Amherst County Virginia | 5 | $ 461,000 | $ 92,000 | $ 73,000 |
| Vance County North Carolina | 4 | $ 552,000 | $ 138,000 | $ 45,000 |
| Montgomery County Virginia | 4 | $ 778,000 | $ 194,000 | $ 65,000 |
| Prince Edward County Virginia | 4 | $ 338,000 | $ 84,000 | $ 126,000 |
| Roanoke County Virginia | 4 | $ 498,000 | $ 124,000 | $ 89,000 |
| Carteret County North Carolina | 3 | $ 616,000 | $ 205,000 | $ 331,000 |
| New Hanover County North Carolina | 3 | $ 1,531,000 | $ 510,000 | $ 472,000 |
| Ashe County North Carolina | 2 | $ 428,000 | $ 214,000 | $ 126,000 |
| Avery County North Carolina | 2 | $ 266,000 | $ 133,000 | $ 46,000 |
| Brunswick County North Carolina | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Iredell County North Carolina | 2 | $ 395,000 | $ 197,000 | $ 22,000 |
| Yadkin County North Carolina | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Appomattox County Virginia | 2 | $ 303,000 | $ 151,000 | $ 58,000 |
| Smyth County Virginia | 2 | $ 308,000 | $ 154,000 | $ 62,000 |
| Gwinnett County Georgia | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 153,000 | $ 153,000 | $ 42,000 |
| Harnett County North Carolina | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Pitt County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 164,000 |
| Sampson County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 173,000 |
| Stokes County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Watauga County North Carolina | 1 | $ 389,000 | $ 389,000 | $ 263,000 |
| Berkeley County South Carolina | 1 | $ 20,698,000 | $ 20,698,000 | $ 0 |
| Georgetown County South Carolina | 1 | $ 302,000 | $ 302,000 | $ 155,000 |
| Botetourt County Virginia | 1 | $ 747,000 | $ 747,000 | $ 153,000 |
| Carroll County Virginia | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Fairfax County Virginia | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Grayson County Virginia | 1 | $ 228,000 | $ 228,000 | $ 227,000 |
| Mecklenburg County Virginia | 1 | $ 163,000 | $ 163,000 | $ 51,000 |
| Patrick County Virginia | 1 | $ 174,000 | $ 174,000 | $ 231,000 |
| Prince William County Virginia | 1 | $ 268,000 | $ 268,000 | $ 500,000 |
| Pulaski County Virginia | 1 | $ 201,000 | $ 201,000 | $ 160,000 |
| Virginia Beach County Virginia | 1 | $ 351,000 | $ 351,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for American National Bank And Trust Company in 2016
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 | 345 | $87,653,000 | $254,000 | $20,698,000 | $72,000 | $537,000 |
| Refinancing | 253 | $53,245,000 | $210,000 | $2,000,000 | $103,000 | $1,625,000 |
| Home Improvement | 49 | $4,824,000 | $98,000 | $2,280,000 | $42,000 | $243,000 |
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 | 473 | $78,121,000 | $165,000 | $2,000,000 | $101,000 | $1,625,000 |
| Not applicable | 107 | $61,279,000 | $572,000 | $20,698,000 | $0 | $0 |
| Black or African American | 38 | $3,009,000 | $79,000 | $330,000 | $54,000 | $164,000 |
| Not Provided | 14 | $1,607,000 | $114,000 | $371,000 | $48,000 | $126,000 |
| Hispanic | 6 | $679,000 | $113,000 | $450,000 | $83,000 | $237,000 |
| Asian | 5 | $710,000 | $142,000 | $284,000 | $251,000 | $962,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $317,000 | $79,000 | $189,000 | $148,000 | $275,000 |
| American Indian or Alaskan Native | 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) | 500 | $125,566,000 | $251,000 | $20,698,000 | $90,000 | $1,625,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $7,511,000 | $121,000 | $236,000 | $44,000 | $75,000 |
| FHA-insured (Federal Housing Administration) | 61 | $8,132,000 | $133,000 | $290,000 | $59,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,513,000 | $188,000 | $303,000 | $67,000 | $183,000 |
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 | 477 | $116,880,000 | $245,000 | $20,698,000 | $80,000 | $1,625,000 |
| Application Withdrawn By Applicant | 82 | $15,210,000 | $185,000 | $747,000 | $88,000 | $308,000 |
| Application Denied By Financial Institution | 64 | $8,947,000 | $139,000 | $417,000 | $81,000 | $437,000 |
| Application Approved But Not Accepted | 23 | $4,621,000 | $200,000 | $414,000 | $112,000 | $708,000 |
| File Closed For Incompleteness | 1 | $64,000 | $64,000 | $64,000 | $34,000 | $34,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 22 | $3,233,000 | $146,000 | $378,000 | $73,000 | $191,000 |
| Credit History | 16 | $1,668,000 | $104,000 | $364,000 | $54,000 | $173,000 |
| Collateral | 10 | $1,685,000 | $168,000 | $396,000 | $101,000 | $202,000 |
| Unverifiable Information | 6 | $992,000 | $165,000 | $417,000 | $146,000 | $437,000 |
| Other | 4 | $530,000 | $132,000 | $238,000 | $115,000 | $206,000 |
| Credit Application Incomplete | 3 | $419,000 | $139,000 | $239,000 | $76,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $261,000 | $130,000 | $136,000 | $65,000 | $80,000 |
| Employment History | 1 | $159,000 | $159,000 | $159,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank And Trust Company's 2016 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.