American National Bank And Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
American National Bank And Trust Company 2021 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 | 1,638 |
| Total Mortgage Loan Application Amount | $428,660,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $31,805,000 |
| Average Applicant Income | $139,800 |
| Highest Applicant Income | $5,303,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 184 | $ 45,200,000 | $ 245,000 | $ 225,000 |
| Alamance County North Carolina | 147 | $ 38,485,000 | $ 261,000 | $ 126,000 |
| Franklin County Virginia | 140 | $ 29,580,000 | $ 211,000 | $ 122,000 |
| Pittsylvania County Virginia | 138 | $ 19,430,000 | $ 140,000 | $ 82,000 |
| Roanoke City County Virginia | 108 | $ 20,770,000 | $ 192,000 | $ 184,000 |
| Danville County Virginia | 91 | $ 12,825,000 | $ 140,000 | $ 106,000 |
| Henry County Virginia | 89 | $ 12,495,000 | $ 140,000 | $ 83,000 |
| Bedford County Virginia | 84 | $ 21,210,000 | $ 252,000 | $ 193,000 |
| Roanoke County Virginia | 82 | $ 16,760,000 | $ 204,000 | $ 146,000 |
| Lynchburg County Virginia | 73 | $ 17,115,000 | $ 234,000 | $ 208,000 |
| Forsyth County North Carolina | 51 | $ 14,915,000 | $ 292,000 | $ 224,000 |
| Wake County North Carolina | 50 | $ 17,480,000 | $ 349,000 | $ 173,000 |
| Halifax County Virginia | 41 | $ 6,745,000 | $ 164,000 | $ 109,000 |
| Montgomery County Virginia | 37 | $ 18,155,000 | $ 490,000 | $ 174,000 |
| Martinsville County Virginia | 36 | $ 4,010,000 | $ 111,000 | $ 112,000 |
| Salem County Virginia | 26 | $ 4,060,000 | $ 156,000 | $ 106,000 |
| Campbell County Virginia | 16 | $ 3,550,000 | $ 221,000 | $ 143,000 |
| Caswell County North Carolina | 15 | $ 1,985,000 | $ 132,000 | $ 85,000 |
| Davidson County North Carolina | 14 | $ 4,850,000 | $ 346,000 | $ 112,000 |
| Amherst County Virginia | 14 | $ 6,210,000 | $ 443,000 | $ 125,000 |
| Brunswick County North Carolina | 13 | $ 4,645,000 | $ 357,000 | $ 248,000 |
| Randolph County North Carolina | 13 | $ 1,925,000 | $ 148,000 | $ 92,000 |
| Durham County North Carolina | 9 | $ 2,605,000 | $ 289,000 | $ 110,000 |
| Orange County North Carolina | 9 | $ 2,995,000 | $ 332,000 | $ 102,000 |
| Person County North Carolina | 9 | $ 3,405,000 | $ 378,000 | $ 233,000 |
| Gaston County North Carolina | 8 | $ 1,110,000 | $ 138,000 | $ 0 |
| Rockingham County North Carolina | 8 | $ 500,000 | $ 62,000 | $ 60,000 |
| Patrick County Virginia | 8 | $ 800,000 | $ 100,000 | $ 89,000 |
| Horry County South Carolina | 7 | $ 32,975,000 | $ 4,710,000 | $ 124,000 |
| Floyd County Virginia | 7 | $ 1,215,000 | $ 173,000 | $ 101,000 |
| Botetourt County Virginia | 6 | $ 1,470,000 | $ 245,000 | $ 111,000 |
| Chatham County North Carolina | 4 | $ 1,310,000 | $ 327,000 | $ 98,000 |
| Davie County North Carolina | 4 | $ 1,070,000 | $ 267,000 | $ 163,000 |
| Lincoln County North Carolina | 4 | $ 2,120,000 | $ 530,000 | $ 957,000 |
| Mecklenburg County North Carolina | 4 | $ 1,210,000 | $ 302,000 | $ 240,000 |
| New Hanover County North Carolina | 4 | $ 1,630,000 | $ 407,000 | $ 1,043,000 |
| Stokes County North Carolina | 4 | $ 1,560,000 | $ 390,000 | $ 84,000 |
| Pulaski County Virginia | 4 | $ 440,000 | $ 110,000 | $ 108,000 |
| Carteret County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 118,000 |
| Johnston County North Carolina | 3 | $ 785,000 | $ 261,000 | $ 92,000 |
| Nelson County Virginia | 3 | $ 515,000 | $ 171,000 | $ 129,000 |
| Avery County North Carolina | 2 | $ 2,060,000 | $ 1,030,000 | $ 503,000 |
| Cleveland County North Carolina | 2 | $ 550,000 | $ 275,000 | $ 172,000 |
| Cumberland County North Carolina | 2 | $ 1,620,000 | $ 810,000 | $ 0 |
| Dare County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 132,000 |
| Franklin County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 70,000 |
| Granville County North Carolina | 2 | $ 600,000 | $ 300,000 | $ 173,000 |
| Pamlico County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 334,000 |
| Pitt County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 187,000 |
| Richmond County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Transylvania County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 268,000 |
| Yadkin County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 129,000 |
| Richland County South Carolina | 2 | $ 780,000 | $ 390,000 | $ 76,000 |
| York County South Carolina | 2 | $ 1,040,000 | $ 520,000 | $ 707,000 |
| Albemarle County Virginia | 2 | $ 750,000 | $ 375,000 | $ 433,000 |
| Henrico County Virginia | 2 | $ 550,000 | $ 275,000 | $ 207,000 |
| Collier County Florida | 1 | $ 3,335,000 | $ 3,335,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 714,000 |
| Clay County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Craven County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 28,000 |
| Edgecombe County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Haywood County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Jackson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lee County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 129,000 |
| Madison County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Mitchell County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Nash County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 368,000 |
| Stanly County North Carolina | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Union County North Carolina | 1 | $ 955,000 | $ 955,000 | $ 756,000 |
| Vance County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Wilkes County North Carolina | 1 | $ 435,000 | $ 435,000 | $ 239,000 |
| Wilson County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Beaufort County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 365,000 | $ 365,000 | $ 505,000 |
| Georgetown County South Carolina | 1 | $ 1,445,000 | $ 1,445,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 21,475,000 | $ 21,475,000 | $ 0 |
| Appomattox County Virginia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Arlington County Virginia | 1 | $ 255,000 | $ 255,000 | $ 314,000 |
| Augusta County Virginia | 1 | $ 245,000 | $ 245,000 | $ 173,000 |
| Carroll County Virginia | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Chesapeake County Virginia | 1 | $ 145,000 | $ 145,000 | $ 437,000 |
| Chesterfield County Virginia | 1 | $ 415,000 | $ 415,000 | $ 485,000 |
| Craig County Virginia | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Fairfax County Virginia | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Giles County Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Grayson County Virginia | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Portsmouth County Virginia | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Prince Edward County Virginia | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Radford County Virginia | 1 | $ 65,000 | $ 65,000 | $ 8,000 |
| Richmond City County Virginia | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| Rockbridge County Virginia | 1 | $ 485,000 | $ 485,000 | $ 89,000 |
| Rockingham County Virginia | 1 | $ 285,000 | $ 285,000 | $ 117,000 |
| Wythe County Virginia | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for American National Bank And Trust Company in 2021
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 | 607 | $212,685,000 | $350,000 | $31,805,000 | $139,000 | $1,820,000 |
| Refinancing | 591 | $145,545,000 | $246,000 | $7,005,000 | $162,000 | $5,303,000 |
| Other Purpose | 194 | $24,480,000 | $126,000 | $1,255,000 | $145,000 | $870,000 |
| Cash-out Refinancing | 167 | $39,315,000 | $235,000 | $1,535,000 | $156,000 | $1,144,000 |
| Home Improvement | 79 | $6,635,000 | $83,000 | $545,000 | $97,000 | $382,000 |
| 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 | 1,031 | $207,425,000 | $201,000 | $2,635,000 | $149,000 | $5,303,000 |
| Not applicable | 355 | $170,135,000 | $479,000 | $31,805,000 | $0 | $0 |
| Not Provided | 145 | $27,575,000 | $190,000 | $765,000 | $148,000 | $2,710,000 |
| Black or African American | 55 | $9,555,000 | $173,000 | $955,000 | $122,000 | $756,000 |
| Asian | 32 | $10,300,000 | $321,000 | $625,000 | $166,000 | $714,000 |
| Hispanic | 13 | $2,735,000 | $210,000 | $405,000 | $164,000 | $916,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $115,000 | $197,000 | $202,000 |
| American Indian or Alaskan Native | 2 | $320,000 | $160,000 | $195,000 | $47,000 | $50,000 |
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) | 1,574 | $416,330,000 | $264,000 | $31,805,000 | $152,000 | $5,303,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $4,455,000 | $143,000 | $265,000 | $48,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 17 | $5,085,000 | $299,000 | $555,000 | $132,000 | $265,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,790,000 | $174,000 | $315,000 | $67,000 | $151,000 |
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 | 1,433 | $387,705,000 | $270,000 | $31,805,000 | $155,000 | $5,303,000 |
| Application Withdrawn By Applicant | 123 | $26,925,000 | $218,000 | $1,255,000 | $126,000 | $870,000 |
| Application Denied By Financial Institution | 62 | $8,340,000 | $134,000 | $735,000 | $81,000 | $760,000 |
| File Closed For Incompleteness | 20 | $5,690,000 | $284,000 | $545,000 | $138,000 | $400,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,576 | $420,320,000 | $266,000 | $31,805,000 | $152,000 | $5,303,000 |
| Credit History | 21 | $1,805,000 | $85,000 | $365,000 | $60,000 | $130,000 |
| Debt-To-Income Ratio | 21 | $3,265,000 | $155,000 | $545,000 | $90,000 | $760,000 |
| Collateral | 15 | $1,975,000 | $131,000 | $735,000 | $86,000 | $300,000 |
| Unverifiable Information | 2 | $820,000 | $410,000 | $545,000 | $197,000 | $303,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $325,000 | $325,000 | $325,000 | $125,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank And Trust Company's 2021 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.
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with aggregated HMDA statistics today.