American National Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, American National Bank & Trust of Wichita Falls, TX reported 940 mortgage applications totaling $131.1 million, up 55% from 2011. The average application was for $139,425, and applicants reported an average income of $104,721. 88% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita Falls, TX (716), Dallas-Plano-Irving, TX (71) and Fort Worth-Arlington, TX (25) (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 | 940 |
| Total Mortgage Loan Application Amount | $131,060,000 |
| Average Mortgage Loan Application Amount | $139,425 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $104,721 |
| Highest Applicant Income | $1,256,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 605 | $ 77,263,000 | $ 127,707 | $ 98,000 |
| Archer, Texas | 72 | $ 10,834,000 | $ 150,472 | $ 111,000 |
| Denton, Texas | 49 | $ 9,829,000 | $ 200,591 | $ 119,000 |
| Clay, Texas | 41 | $ 4,860,000 | $ 118,536 | $ 77,000 |
| Wilbarger, Texas | 29 | $ 2,967,000 | $ 102,310 | $ 72,000 |
| Bosque, Texas | 25 | $ 3,845,000 | $ 153,800 | $ 99,000 |
| Tarrant, Texas | 20 | $ 3,619,000 | $ 180,950 | $ 111,000 |
| Dallas, Texas | 13 | $ 3,264,000 | $ 251,076 | $ 168,000 |
| Baylor, Texas | 11 | $ 919,000 | $ 83,545 | $ 79,000 |
| Young, Texas | 10 | $ 1,500,000 | $ 150,000 | $ 97,000 |
| Collin, Texas | 7 | $ 1,677,000 | $ 239,571 | $ 242,000 |
| Palo Pinto, Texas | 6 | $ 1,603,000 | $ 267,166 | $ 359,000 |
| Montague, Texas | 5 | $ 710,000 | $ 142,000 | $ 102,000 |
| Johnson, Texas | 4 | $ 418,000 | $ 104,500 | $ 101,000 |
| Travis, Texas | 4 | $ 1,071,000 | $ 267,750 | $ 111,000 |
| Hill, Texas | 3 | $ 415,000 | $ 138,333 | $ 134,000 |
| Cooke, Texas | 2 | $ 713,000 | $ 356,500 | $ 713,000 |
| Hardeman, Texas | 2 | $ 158,000 | $ 79,000 | $ 46,000 |
| Kerr, Texas | 2 | $ 457,000 | $ 228,500 | $ 113,000 |
| Lubbock, Texas | 2 | $ 301,000 | $ 150,500 | $ 121,000 |
| Taylor, Texas | 2 | $ 163,000 | $ 81,500 | $ 332,000 |
| Hinsdale, Colorado | 1 | $ 212,000 | $ 212,000 | $ 108,000 |
| La Plata, Colorado | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Larimer, Colorado | 1 | $ 300,000 | $ 300,000 | $ 175,000 |
| Bell, Texas | 1 | $ 327,000 | $ 327,000 | $ 440,000 |
| Brazos, Texas | 1 | $ 82,000 | $ 82,000 | $ 49,000 |
| Burnet, Texas | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
| Comal, Texas | 1 | $ 236,000 | $ 236,000 | $ 59,000 |
| Ellis, Texas | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| Erath, Texas | 1 | $ 200,000 | $ 200,000 | $ 167,000 |
| Hamilton, Texas | 1 | $ 219,000 | $ 219,000 | $ 114,000 |
| Jack, Texas | 1 | $ 147,000 | $ 147,000 | $ 66,000 |
| Knox, Texas | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| Lee, Texas | 1 | $ 232,000 | $ 232,000 | $ 120,000 |
| Mitchell, Texas | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Nueces, Texas | 1 | $ 109,000 | $ 109,000 | $ 276,000 |
| Potter, Texas | 1 | $ 116,000 | $ 116,000 | $ 114,000 |
| Randall, Texas | 1 | $ 136,000 | $ 136,000 | $ 59,000 |
| Rockwall, Texas | 1 | $ 120,000 | $ 120,000 | $ 102,000 |
| San Patricio, Texas | 1 | $ 192,000 | $ 192,000 | $ 151,000 |
| Shackelford, Texas | 1 | $ 140,000 | $ 140,000 | $ 108,000 |
| Somervell, Texas | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Stephens, Texas | 1 | $ 245,000 | $ 245,000 | $ 247,000 |
| Tom Green, Texas | 1 | $ 91,000 | $ 91,000 | $ 74,000 |
| Williamson, Texas | 1 | $ 222,000 | $ 222,000 | $ 228,000 |
| Wilson, Texas | 1 | $ 218,000 | $ 218,000 | $ 97,000 |
| Wise, Texas | 1 | $ 158,000 | $ 158,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 546 | $78,066,000 | $142,000 | $585,000 | $110,000 | $1,256,000 |
| Home Purchase | 384 | $52,685,000 | $137,000 | $556,000 | $97,000 | $1,053,000 |
| Home Improvement | 10 | $309,000 | $30,000 | $75,000 | $113,000 | $318,000 |
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 | 864 | $121,333,000 | $140,000 | $585,000 | $108,000 | $1,256,000 |
| Hispanic | 36 | $4,242,000 | $117,000 | $264,000 | $83,000 | $534,000 |
| Asian | 18 | $2,356,000 | $130,000 | $342,000 | $69,000 | $189,000 |
| Black or African American | 8 | $1,130,000 | $141,000 | $357,000 | $68,000 | $106,000 |
| Not Provided | 5 | $687,000 | $137,000 | $261,000 | $45,000 | $104,000 |
| American Indian or Alaskan Native | 4 | $586,000 | $146,000 | $245,000 | $92,000 | $109,000 |
| Not applicable | 3 | $356,000 | $118,000 | $175,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $370,000 | $185,000 | $188,000 | $88,000 | $101,000 |
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) | 714 | $101,623,000 | $142,000 | $585,000 | $115,000 | $1,256,000 |
| FHA-insured (Federal Housing Administration) | 132 | $13,773,000 | $104,000 | $265,000 | $65,000 | $276,000 |
| VA-guaranteed (Veterans Administration) | 94 | $15,664,000 | $166,000 | $417,000 | $83,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 826 | $116,728,000 | $141,000 | $585,000 | $109,000 | $1,256,000 |
| Application Denied By Financial Institution | 74 | $9,348,000 | $126,000 | $417,000 | $72,000 | $170,000 |
| Application Withdrawn By Applicant | 40 | $4,984,000 | $124,000 | $417,000 | $84,000 | $262,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $2,548,000 | $106,000 | $232,000 | $70,000 | $140,000 |
| Debt-To-Income Ratio | 21 | $2,401,000 | $114,000 | $330,000 | $54,000 | $122,000 |
| Credit Application Incomplete | 12 | $1,660,000 | $138,000 | $383,000 | $89,000 | $150,000 |
| Collateral | 8 | $1,073,000 | $134,000 | $203,000 | $78,000 | $134,000 |
| Other | 7 | $1,193,000 | $170,000 | $417,000 | $90,000 | $170,000 |
| Employment History | 2 | $473,000 | $236,000 | $290,000 | $94,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2012 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.
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