American National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, American National Bank & Trust of Wichita Falls, TX reported 535 mortgage applications totaling $100.3 million, up 18% from 2017. The average application was for $187,523, and applicants reported an average income of $107,751. 86% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Wichita Falls, TX (408), Fort Worth-Arlington, TX (39) and Dallas-Plano-Irving, 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 | 535 |
| Total Mortgage Loan Application Amount | $100,325,000 |
| Average Mortgage Loan Application Amount | $187,523 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $107,751 |
| Highest Applicant Income | $930,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 347 | $ 48,935,000 | $ 141,023 | $ 99,000 |
| Tarrant, Texas | 32 | $ 9,990,000 | $ 312,187 | $ 193,000 |
| Archer, Texas | 31 | $ 5,955,000 | $ 192,096 | $ 124,000 |
| Clay, Texas | 30 | $ 3,440,000 | $ 114,666 | $ 90,000 |
| Denton, Texas | 12 | $ 2,530,000 | $ 210,833 | $ 97,000 |
| Wilbarger, Texas | 10 | $ 1,230,000 | $ 123,000 | $ 80,000 |
| Dallas, Texas | 8 | $ 13,880,000 | $ 1,735,000 | $ 244,000 |
| Bosque, Texas | 5 | $ 385,000 | $ 77,000 | $ 137,000 |
| Hardeman, Texas | 5 | $ 205,000 | $ 41,000 | $ 79,000 |
| Lubbock, Texas | 5 | $ 605,000 | $ 121,000 | $ 130,000 |
| Parker, Texas | 5 | $ 1,125,000 | $ 225,000 | $ 118,000 |
| Palo Pinto, Texas | 4 | $ 1,070,000 | $ 267,500 | $ 144,000 |
| Brown, Texas | 3 | $ 485,000 | $ 161,666 | $ 101,000 |
| Grayson, Texas | 3 | $ 445,000 | $ 148,333 | $ 74,000 |
| Montague, Texas | 3 | $ 505,000 | $ 168,333 | $ 105,000 |
| Travis, Texas | 3 | $ 3,445,000 | $ 1,148,333 | $ 200,000 |
| Creek, Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Brazos, Texas | 2 | $ 320,000 | $ 160,000 | $ 302,000 |
| Kerr, Texas | 2 | $ 360,000 | $ 180,000 | $ 65,000 |
| Knox, Texas | 2 | $ 130,000 | $ 65,000 | $ 74,000 |
| Hinsdale, Colorado | 1 | $ 385,000 | $ 385,000 | $ 139,000 |
| Broward, Florida | 1 | $ 375,000 | $ 375,000 | $ 88,000 |
| Bernalillo, New Mexico | 1 | $ 365,000 | $ 365,000 | $ 135,000 |
| Tulsa, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Coffee, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Baylor, Texas | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Bell, Texas | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Haskell, Texas | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Hays, Texas | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Henderson, Texas | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| Hill, Texas | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Hood, Texas | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Jack, Texas | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Johnson, Texas | 1 | $ 325,000 | $ 325,000 | $ 281,000 |
| McLennan, Texas | 1 | $ 375,000 | $ 375,000 | $ 250,000 |
| Montgomery, Texas | 1 | $ 35,000 | $ 35,000 | $ 105,000 |
| Smith, Texas | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Taylor, Texas | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Tom Green, Texas | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Williamson, Texas | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Young, Texas | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2018
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 | 391 | $77,425,000 | $198,000 | $10,005,000 | $108,000 | $843,000 |
| Cash-out Refinancing | 58 | $11,650,000 | $200,000 | $2,605,000 | $102,000 | $930,000 |
| Refinancing | 47 | $8,135,000 | $173,000 | $1,055,000 | $111,000 | $493,000 |
| Home Improvement | 28 | $2,130,000 | $76,000 | $325,000 | $113,000 | $225,000 |
| Other Purpose | 11 | $985,000 | $89,000 | $265,000 | $102,000 | $167,000 |
| 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 | 410 | $65,570,000 | $159,000 | $1,275,000 | $107,000 | $930,000 |
| Not Provided | 50 | $7,940,000 | $158,000 | $465,000 | $114,000 | $493,000 |
| Hispanic | 30 | $4,680,000 | $156,000 | $395,000 | $98,000 | $280,000 |
| Not applicable | 17 | $18,115,000 | $1,065,000 | $10,005,000 | $0 | $0 |
| Black or African American | 12 | $2,000,000 | $166,000 | $355,000 | $138,000 | $388,000 |
| Asian | 10 | $1,270,000 | $127,000 | $265,000 | $82,000 | $244,000 |
| American Indian or Alaskan Native | 5 | $655,000 | $131,000 | $295,000 | $101,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $74,000 | $74,000 |
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) | 416 | $81,160,000 | $195,000 | $10,005,000 | $118,000 | $930,000 |
| VA-guaranteed (Veterans Administration) | 68 | $13,030,000 | $191,000 | $455,000 | $80,000 | $153,000 |
| FHA-insured (Federal Housing Administration) | 51 | $6,135,000 | $120,000 | $395,000 | $67,000 | $174,000 |
| 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 | 461 | $89,965,000 | $195,000 | $10,005,000 | $112,000 | $930,000 |
| Application Denied By Financial Institution | 69 | $9,725,000 | $140,000 | $855,000 | $81,000 | $502,000 |
| Application Withdrawn By Applicant | 3 | $385,000 | $128,000 | $325,000 | $128,000 | $198,000 |
| Application Approved But Not Accepted | 2 | $250,000 | $125,000 | $145,000 | $72,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 466 | $90,600,000 | $194,000 | $10,005,000 | $112,000 | $930,000 |
| Credit Application Incomplete | 47 | $7,135,000 | $151,000 | $855,000 | $89,000 | $502,000 |
| Debt-To-Income Ratio | 9 | $785,000 | $87,000 | $265,000 | $43,000 | $78,000 |
| Other | 5 | $535,000 | $107,000 | $195,000 | $61,000 | $107,000 |
| Collateral | 4 | $590,000 | $147,000 | $325,000 | $85,000 | $122,000 |
| Credit History | 3 | $505,000 | $168,000 | $345,000 | $95,000 | $225,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $64,000 | $64,000 |
| Employment History | 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 2018 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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