American National Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, American National Bank & Trust of Wichita Falls, TX reported 476 mortgage applications totaling $59.2 million, down 20% from 2007. The average application was for $124,292, and applicants reported an average income of $89,235. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Wichita Falls, TX (402), Fort Worth-Arlington, TX (15) and Dallas-Plano-Irving, TX (11) (applications in parentheses).
| Mortgage Company & Address | American National Bank & Trust 2732 Midwestern Pkwy Wichita Falls, TX 78130 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 | 476 |
| Total Mortgage Loan Application Amount | $59,163,000 |
| Average Mortgage Loan Application Amount | $124,292 |
| Highest Mortgage Loan Application Amount | $2,590,000 |
| Average Applicant Income | $89,235 |
| Highest Applicant Income | $1,212,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wichita, Texas | 358 | $ 41,103,000 | $ 114,812 | $ 87,000 |
| Archer, Texas | 30 | $ 2,482,000 | $ 82,733 | $ 56,000 |
| Wilbarger, Texas | 15 | $ 1,150,000 | $ 76,666 | $ 63,000 |
| Clay, Texas | 14 | $ 1,907,000 | $ 136,214 | $ 78,000 |
| Tarrant, Texas | 14 | $ 2,779,000 | $ 198,500 | $ 100,000 |
| Baylor, Texas | 11 | $ 770,000 | $ 70,000 | $ 64,000 |
| Denton, Texas | 6 | $ 1,260,000 | $ 210,000 | $ 150,000 |
| Young, Texas | 4 | $ 315,000 | $ 78,750 | $ 171,000 |
| Dallas, Texas | 3 | $ 912,000 | $ 304,000 | $ 100,000 |
| Montague, Texas | 3 | $ 721,000 | $ 240,333 | $ 196,000 |
| Travis, Texas | 2 | $ 2,929,000 | $ 1,464,500 | $ 172,000 |
| Gunnison, Colorado | 1 | $ 358,000 | $ 358,000 | $ 213,000 |
| Brazos, Texas | 1 | $ 153,000 | $ 153,000 | $ 500,000 |
| Childress, Texas | 1 | $ 47,000 | $ 47,000 | $ 66,000 |
| Collin, Texas | 1 | $ 147,000 | $ 147,000 | $ 325,000 |
| Cooke, Texas | 1 | $ 450,000 | $ 450,000 | $ 492,000 |
| Gillespie, Texas | 1 | $ 248,000 | $ 248,000 | $ 345,000 |
| Grayson, Texas | 1 | $ 123,000 | $ 123,000 | $ 85,000 |
| Henderson, Texas | 1 | $ 52,000 | $ 52,000 | $ 53,000 |
| Hood, Texas | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Howard, Texas | 1 | $ 190,000 | $ 190,000 | $ 60,000 |
| Knox, Texas | 1 | $ 53,000 | $ 53,000 | $ 121,000 |
| Palo Pinto, Texas | 1 | $ 15,000 | $ 15,000 | $ 185,000 |
| Potter, Texas | 1 | $ 175,000 | $ 175,000 | $ 92,000 |
| Rockwall, Texas | 1 | $ 162,000 | $ 162,000 | $ 66,000 |
| Tom Green, Texas | 1 | $ 182,000 | $ 182,000 | $ 68,000 |
| Wise, Texas | 1 | $ 306,000 | $ 306,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2008
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 | 352 | $45,657,000 | $129,000 | $2,590,000 | $89,000 | $1,212,000 |
| Refinancing | 108 | $13,273,000 | $122,000 | $680,000 | $93,000 | $400,000 |
| Home Improvement | 16 | $233,000 | $14,000 | $23,000 | $69,000 | $193,000 |
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 | 426 | $49,036,000 | $115,000 | $750,000 | $87,000 | $1,212,000 |
| Hispanic | 20 | $1,911,000 | $95,000 | $181,000 | $64,000 | $133,000 |
| Not applicable | 17 | $6,626,000 | $389,000 | $2,590,000 | $181,000 | $516,000 |
| Asian | 5 | $939,000 | $187,000 | $310,000 | $142,000 | $281,000 |
| Black or African American | 5 | $437,000 | $87,000 | $152,000 | $60,000 | $113,000 |
| Not Provided | 2 | $84,000 | $42,000 | $62,000 | $73,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $130,000 | $130,000 | $130,000 | $65,000 | $65,000 |
| 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) | 273 | $35,935,000 | $131,000 | $2,590,000 | $108,000 | $1,212,000 |
| FHA-insured (Federal Housing Administration) | 144 | $14,771,000 | $102,000 | $271,000 | $61,000 | $415,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,832,000 | $150,000 | $288,000 | $75,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $625,000 | $89,000 | $181,000 | $47,000 | $133,000 |
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 | 402 | $51,183,000 | $127,000 | $2,590,000 | $86,000 | $780,000 |
| Application Withdrawn By Applicant | 41 | $4,445,000 | $108,000 | $271,000 | $82,000 | $362,000 |
| Application Denied By Financial Institution | 22 | $1,743,000 | $79,000 | $325,000 | $58,000 | $139,000 |
| Application Approved But Not Accepted | 11 | $1,792,000 | $162,000 | $417,000 | $289,000 | $1,212,000 |
| 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 | 7 | $700,000 | $100,000 | $325,000 | $48,000 | $77,000 |
| Credit Application Incomplete | 6 | $447,000 | $74,000 | $150,000 | $72,000 | $139,000 |
| Collateral | 4 | $182,000 | $45,000 | $66,000 | $70,000 | $121,000 |
| Employment History | 2 | $108,000 | $54,000 | $90,000 | $42,000 | $54,000 |
| Other | 2 | $221,000 | $110,000 | $118,000 | $44,000 | $58,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $54,000 | $54,000 |
| Unverifiable Information | 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 American National Bank & Trust's 2008 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 & Trust'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 Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About