American National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, American National Bank & Trust of Wichita Falls, TX reported 448 mortgage applications totaling $71.0 million, down 6% from 2014. The average application was for $158,390, and applicants reported an average income of $106,828. 68% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Wichita Falls, TX (265), Dallas-Plano-Irving, TX (61) and Fort Worth-Arlington, TX (23) (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 | 448 |
| Total Mortgage Loan Application Amount | $70,959,000 |
| Average Mortgage Loan Application Amount | $158,390 |
| Highest Mortgage Loan Application Amount | $2,343,000 |
| Average Applicant Income | $106,828 |
| Highest Applicant Income | $565,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 220 | $ 27,201,000 | $ 123,640 | $ 93,000 |
| Denton, Texas | 43 | $ 8,356,000 | $ 194,325 | $ 158,000 |
| Archer, Texas | 23 | $ 3,258,000 | $ 141,652 | $ 90,000 |
| Clay, Texas | 22 | $ 3,181,000 | $ 144,590 | $ 88,000 |
| Tarrant, Texas | 17 | $ 3,057,000 | $ 179,823 | $ 105,000 |
| Dallas, Texas | 12 | $ 2,597,000 | $ 216,416 | $ 130,000 |
| Bosque, Texas | 11 | $ 2,113,000 | $ 192,090 | $ 146,000 |
| Wilbarger, Texas | 10 | $ 872,000 | $ 87,200 | $ 57,000 |
| Taylor, Texas | 8 | $ 1,616,000 | $ 202,000 | $ 127,000 |
| McLennan, Texas | 6 | $ 1,175,000 | $ 195,833 | $ 198,000 |
| Brown, Texas | 5 | $ 727,000 | $ 145,400 | $ 94,000 |
| Collin, Texas | 5 | $ 977,000 | $ 195,400 | $ 137,000 |
| Hansford, Texas | 5 | $ 609,000 | $ 121,800 | $ 59,000 |
| Harris, Texas | 5 | $ 992,000 | $ 198,400 | $ 165,000 |
| Lubbock, Texas | 5 | $ 1,186,000 | $ 237,200 | $ 148,000 |
| Palo Pinto, Texas | 4 | $ 1,018,000 | $ 254,500 | $ 200,000 |
| Fort Bend, Texas | 3 | $ 438,000 | $ 146,000 | $ 147,000 |
| Grayson, Texas | 3 | $ 364,000 | $ 121,333 | $ 88,000 |
| Howard, Texas | 3 | $ 510,000 | $ 170,000 | $ 88,000 |
| Parker, Texas | 3 | $ 445,000 | $ 148,333 | $ 67,000 |
| Travis, Texas | 3 | $ 4,318,000 | $ 1,439,333 | $ 102,000 |
| Nolan, Texas | 2 | $ 162,000 | $ 81,000 | $ 39,000 |
| Williamson, Texas | 2 | $ 545,000 | $ 272,500 | $ 144,000 |
| Wise, Texas | 2 | $ 445,000 | $ 222,500 | $ 108,000 |
| Young, Texas | 2 | $ 244,000 | $ 122,000 | $ 83,000 |
| Napa, California | 1 | $ 383,000 | $ 383,000 | $ 0 |
| El Paso, Colorado | 1 | $ 202,000 | $ 202,000 | $ 102,000 |
| Andrews, Texas | 1 | $ 162,000 | $ 162,000 | $ 93,000 |
| Bastrop, Texas | 1 | $ 280,000 | $ 280,000 | $ 146,000 |
| Bexar, Texas | 1 | $ 266,000 | $ 266,000 | $ 106,000 |
| Cameron, Texas | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Coryell, Texas | 1 | $ 118,000 | $ 118,000 | $ 84,000 |
| Dawson, Texas | 1 | $ 350,000 | $ 350,000 | $ 164,000 |
| Galveston, Texas | 1 | $ 313,000 | $ 313,000 | $ 92,000 |
| Hardeman, Texas | 1 | $ 57,000 | $ 57,000 | $ 55,000 |
| Henderson, Texas | 1 | $ 158,000 | $ 158,000 | $ 151,000 |
| Hutchinson, Texas | 1 | $ 74,000 | $ 74,000 | $ 55,000 |
| Jefferson, Texas | 1 | $ 292,000 | $ 292,000 | $ 178,000 |
| Johnson, Texas | 1 | $ 170,000 | $ 170,000 | $ 84,000 |
| Knox, Texas | 1 | $ 82,000 | $ 82,000 | $ 51,000 |
| Martin, Texas | 1 | $ 200,000 | $ 200,000 | $ 211,000 |
| Midland, Texas | 1 | $ 307,000 | $ 307,000 | $ 116,000 |
| Montague, Texas | 1 | $ 92,000 | $ 92,000 | $ 319,000 |
| Nueces, Texas | 1 | $ 141,000 | $ 141,000 | $ 39,000 |
| Ochiltree, Texas | 1 | $ 60,000 | $ 60,000 | $ 102,000 |
| Potter, Texas | 1 | $ 160,000 | $ 160,000 | $ 288,000 |
| Randall, Texas | 1 | $ 216,000 | $ 216,000 | $ 125,000 |
| Rockwall, Texas | 1 | $ 235,000 | $ 235,000 | $ 89,000 |
| Tom Green, Texas | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2015
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 | 253 | $40,506,000 | $160,000 | $1,638,000 | $105,000 | $542,000 |
| Refinancing | 182 | $29,733,000 | $163,000 | $2,343,000 | $111,000 | $565,000 |
| Home Improvement | 13 | $720,000 | $55,000 | $200,000 | $84,000 | $188,000 |
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 | 385 | $59,469,000 | $154,000 | $460,000 | $113,000 | $565,000 |
| Hispanic | 24 | $3,414,000 | $142,000 | $310,000 | $88,000 | $224,000 |
| Not applicable | 20 | $5,502,000 | $275,000 | $2,343,000 | $0 | $0 |
| Asian | 8 | $1,566,000 | $195,000 | $363,000 | $152,000 | $369,000 |
| Black or African American | 6 | $670,000 | $111,000 | $174,000 | $62,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $194,000 | $97,000 | $158,000 | $95,000 | $111,000 |
| Not Provided | 2 | $84,000 | $42,000 | $74,000 | $73,000 | $114,000 |
| American Indian or Alaskan Native | 1 | $60,000 | $60,000 | $60,000 | $102,000 | $102,000 |
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) | 393 | $62,524,000 | $159,000 | $2,343,000 | $111,000 | $565,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,886,000 | $129,000 | $337,000 | $68,000 | $308,000 |
| VA-guaranteed (Veterans Administration) | 25 | $4,549,000 | $181,000 | $357,000 | $83,000 | $178,000 |
| 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 | 305 | $48,421,000 | $158,000 | $2,343,000 | $106,000 | $565,000 |
| Application Denied By Financial Institution | 115 | $17,511,000 | $152,000 | $417,000 | $104,000 | $409,000 |
| File Closed For Incompleteness | 21 | $3,713,000 | $176,000 | $417,000 | $114,000 | $375,000 |
| Application Withdrawn By Applicant | 6 | $1,161,000 | $193,000 | $363,000 | $141,000 | $369,000 |
| Application Approved But Not Accepted | 1 | $153,000 | $153,000 | $153,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 55 | $9,500,000 | $172,000 | $417,000 | $131,000 | $409,000 |
| Credit History | 21 | $2,289,000 | $109,000 | $300,000 | $88,000 | $304,000 |
| Debt-To-Income Ratio | 20 | $3,448,000 | $172,000 | $417,000 | $71,000 | $178,000 |
| Collateral | 10 | $942,000 | $94,000 | $210,000 | $70,000 | $211,000 |
| Other | 5 | $748,000 | $149,000 | $250,000 | $100,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $522,000 | $174,000 | $309,000 | $85,000 | $140,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2015 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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