American National Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, American National Bank & Trust of Wichita Falls, TX reported 768 mortgage applications totaling $104.6 million, down 18% from 2012. The average application was for $136,157, and applicants reported an average income of $109,562. 85% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Wichita Falls, TX (572), Dallas-Plano-Irving, TX (82) and Fort Worth-Arlington, TX (20) (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 | 768 |
| Total Mortgage Loan Application Amount | $104,569,000 |
| Average Mortgage Loan Application Amount | $136,157 |
| Highest Mortgage Loan Application Amount | $919,000 |
| Average Applicant Income | $109,562 |
| Highest Applicant Income | $2,321,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 475 | $ 57,622,000 | $ 121,309 | $ 107,000 |
| Clay, Texas | 49 | $ 5,314,000 | $ 108,448 | $ 85,000 |
| Denton, Texas | 49 | $ 9,646,000 | $ 196,857 | $ 109,000 |
| Archer, Texas | 48 | $ 6,472,000 | $ 134,833 | $ 89,000 |
| Wilbarger, Texas | 22 | $ 2,412,000 | $ 109,636 | $ 83,000 |
| Collin, Texas | 16 | $ 3,516,000 | $ 219,750 | $ 192,000 |
| Dallas, Texas | 14 | $ 2,964,000 | $ 211,714 | $ 306,000 |
| Bosque, Texas | 12 | $ 1,923,000 | $ 160,250 | $ 145,000 |
| Tarrant, Texas | 12 | $ 2,964,000 | $ 247,000 | $ 90,000 |
| Young, Texas | 9 | $ 981,000 | $ 109,000 | $ 73,000 |
| Baylor, Texas | 8 | $ 548,000 | $ 68,500 | $ 80,000 |
| Johnson, Texas | 5 | $ 466,000 | $ 93,200 | $ 92,000 |
| Lubbock, Texas | 5 | $ 1,332,000 | $ 266,400 | $ 108,000 |
| Montague, Texas | 3 | $ 349,000 | $ 116,333 | $ 78,000 |
| Comal, Texas | 2 | $ 235,000 | $ 117,500 | $ 41,000 |
| Gillespie, Texas | 2 | $ 480,000 | $ 240,000 | $ 287,000 |
| Hood, Texas | 2 | $ 472,000 | $ 236,000 | $ 178,000 |
| McLennan, Texas | 2 | $ 415,000 | $ 207,500 | $ 103,000 |
| Palo Pinto, Texas | 2 | $ 247,000 | $ 123,500 | $ 87,000 |
| Rockwall, Texas | 2 | $ 333,000 | $ 166,500 | $ 66,000 |
| Travis, Texas | 2 | $ 274,000 | $ 137,000 | $ 54,000 |
| Wise, Texas | 2 | $ 251,000 | $ 125,500 | $ 117,000 |
| Gunnison, Colorado | 1 | $ 733,000 | $ 733,000 | $ 218,000 |
| Lincoln, New Mexico | 1 | $ 164,000 | $ 164,000 | $ 143,000 |
| Dare, North Carolina | 1 | $ 811,000 | $ 811,000 | $ 0 |
| Ellis, Texas | 1 | $ 299,000 | $ 299,000 | $ 172,000 |
| Erath, Texas | 1 | $ 106,000 | $ 106,000 | $ 55,000 |
| Foard, Texas | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Guadalupe, Texas | 1 | $ 289,000 | $ 289,000 | $ 112,000 |
| Hale, Texas | 1 | $ 75,000 | $ 75,000 | $ 174,000 |
| Hardeman, Texas | 1 | $ 104,000 | $ 104,000 | $ 121,000 |
| Harris, Texas | 1 | $ 212,000 | $ 212,000 | $ 92,000 |
| Howard, Texas | 1 | $ 120,000 | $ 120,000 | $ 98,000 |
| Kendall, Texas | 1 | $ 242,000 | $ 242,000 | $ 184,000 |
| Midland, Texas | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Montgomery, Texas | 1 | $ 92,000 | $ 92,000 | $ 47,000 |
| Parker, Texas | 1 | $ 279,000 | $ 279,000 | $ 113,000 |
| Pecos, Texas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Randall, Texas | 1 | $ 121,000 | $ 121,000 | $ 64,000 |
| Smith, Texas | 1 | $ 366,000 | $ 366,000 | $ 182,000 |
| Stephens, Texas | 1 | $ 60,000 | $ 60,000 | $ 331,000 |
| Tom Green, Texas | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Victoria, Texas | 1 | $ 171,000 | $ 171,000 | $ 105,000 |
| Williamson, Texas | 1 | $ 102,000 | $ 102,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2013
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 | 453 | $66,272,000 | $146,000 | $919,000 | $98,000 | $2,321,000 |
| Refinancing | 310 | $38,067,000 | $122,000 | $417,000 | $124,000 | $877,000 |
| Home Improvement | 5 | $230,000 | $46,000 | $90,000 | $262,000 | $557,000 |
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 | 680 | $91,646,000 | $134,000 | $733,000 | $113,000 | $2,321,000 |
| Hispanic | 31 | $3,698,000 | $119,000 | $258,000 | $74,000 | $138,000 |
| Asian | 21 | $4,065,000 | $193,000 | $417,000 | $162,000 | $614,000 |
| Not applicable | 16 | $2,669,000 | $166,000 | $919,000 | $0 | $0 |
| Black or African American | 7 | $720,000 | $102,000 | $154,000 | $67,000 | $122,000 |
| Not Provided | 6 | $634,000 | $105,000 | $223,000 | $96,000 | $207,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $732,000 | $146,000 | $318,000 | $98,000 | $220,000 |
| American Indian or Alaskan Native | 2 | $405,000 | $202,000 | $289,000 | $97,000 | $112,000 |
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) | 622 | $85,698,000 | $137,000 | $919,000 | $120,000 | $2,321,000 |
| FHA-insured (Federal Housing Administration) | 90 | $9,214,000 | $102,000 | $258,000 | $54,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,657,000 | $172,000 | $307,000 | $85,000 | $166,000 |
| 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 | 656 | $89,433,000 | $136,000 | $919,000 | $114,000 | $2,321,000 |
| Application Denied By Financial Institution | 101 | $13,282,000 | $131,000 | $417,000 | $84,000 | $297,000 |
| Application Approved But Not Accepted | 11 | $1,854,000 | $168,000 | $398,000 | $93,000 | $222,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Application Incomplete | 56 | $7,892,000 | $140,000 | $417,000 | $93,000 | $295,000 |
| Debt-To-Income Ratio | 17 | $2,641,000 | $155,000 | $379,000 | $65,000 | $132,000 |
| Credit History | 12 | $1,074,000 | $89,000 | $160,000 | $83,000 | $297,000 |
| Other | 10 | $797,000 | $79,000 | $176,000 | $74,000 | $180,000 |
| Collateral | 4 | $648,000 | $162,000 | $200,000 | $94,000 | $121,000 |
| Employment History | 2 | $230,000 | $115,000 | $120,000 | $38,000 | $40,000 |
| 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 2013 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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