American National Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, American National Bank & Trust of Wichita Falls, TX reported 790 mortgage applications totaling $150.8 million, up 48% from 2018. The average application was for $190,924, and applicants reported an average income of $112,545. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Wichita Falls, TX (537), Dallas-Plano-Irving, TX (87) and Fort Worth-Arlington, TX (59) (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 | 790 |
| Total Mortgage Loan Application Amount | $150,830,000 |
| Average Mortgage Loan Application Amount | $190,924 |
| Highest Mortgage Loan Application Amount | $7,395,000 |
| Average Applicant Income | $112,545 |
| Highest Applicant Income | $1,369,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 456 | $ 68,330,000 | $ 149,846 | $ 88,000 |
| Denton, Texas | 70 | $ 16,710,000 | $ 238,714 | $ 137,000 |
| Tarrant, Texas | 53 | $ 18,505,000 | $ 349,150 | $ 207,000 |
| Archer, Texas | 50 | $ 10,080,000 | $ 201,600 | $ 119,000 |
| Clay, Texas | 31 | $ 5,305,000 | $ 171,129 | $ 113,000 |
| Wilbarger, Texas | 17 | $ 1,755,000 | $ 103,235 | $ 80,000 |
| Cooke, Texas | 11 | $ 1,765,000 | $ 160,454 | $ 274,000 |
| Dallas, Texas | 10 | $ 3,150,000 | $ 315,000 | $ 241,000 |
| Baylor, Texas | 9 | $ 845,000 | $ 93,888 | $ 72,000 |
| Collin, Texas | 6 | $ 1,520,000 | $ 253,333 | $ 182,000 |
| Hardeman, Texas | 6 | $ 450,000 | $ 75,000 | $ 89,000 |
| Bosque, Texas | 5 | $ 1,185,000 | $ 237,000 | $ 159,000 |
| Brown, Texas | 5 | $ 465,000 | $ 93,000 | $ 77,000 |
| Lubbock, Texas | 5 | $ 1,865,000 | $ 373,000 | $ 150,000 |
| Parker, Texas | 5 | $ 1,475,000 | $ 295,000 | $ 131,000 |
| Montague, Texas | 4 | $ 250,000 | $ 62,500 | $ 90,000 |
| Hood, Texas | 3 | $ 715,000 | $ 238,333 | $ 128,000 |
| Howard, Texas | 3 | $ 445,000 | $ 148,333 | $ 104,000 |
| Somervell, Texas | 3 | $ 405,000 | $ 135,000 | $ 115,000 |
| Comanche, Texas | 2 | $ 320,000 | $ 160,000 | $ 134,000 |
| Taylor, Texas | 2 | $ 400,000 | $ 200,000 | $ 92,000 |
| Garland, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Adams, Colorado | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Broward, Florida | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Walton, Florida | 1 | $ 415,000 | $ 415,000 | $ 102,000 |
| Leelanau, Michigan | 1 | $ 245,000 | $ 245,000 | $ 201,000 |
| Clark, Nevada | 1 | $ 245,000 | $ 245,000 | $ 1,369,000 |
| Lincoln, New Mexico | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Comanche, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Cotton, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 113,000 |
| Johnston, Oklahoma | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Murray, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Tillman, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Lawrence, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Pennington, South Dakota | 1 | $ 365,000 | $ 365,000 | $ 375,000 |
| Sequatchie, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Bell, Texas | 1 | $ 7,395,000 | $ 7,395,000 | $ 0 |
| Callahan, Texas | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Coryell, Texas | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Fort Bend, Texas | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Galveston, Texas | 1 | $ 245,000 | $ 245,000 | $ 194,000 |
| Hansford, Texas | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Hill, Texas | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Jack, Texas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Knox, Texas | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| McLennan, Texas | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Navarro, Texas | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Palo Pinto, Texas | 1 | $ 235,000 | $ 235,000 | $ 83,000 |
| Polk, Texas | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Rockwall, Texas | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Smith, Texas | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Stephens, Texas | 1 | $ 715,000 | $ 715,000 | $ 388,000 |
| Williamson, Texas | 1 | $ 175,000 | $ 175,000 | $ 196,000 |
| Wise, Texas | 1 | $ 85,000 | $ 85,000 | $ 126,000 |
| Young, Texas | 1 | $ 75,000 | $ 75,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2019
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 | 538 | $99,670,000 | $185,000 | $1,055,000 | $108,000 | $1,369,000 |
| Cash-out Refinancing | 111 | $26,335,000 | $237,000 | $7,395,000 | $114,000 | $948,000 |
| Refinancing | 105 | $21,515,000 | $204,000 | $785,000 | $122,000 | $388,000 |
| Home Improvement | 21 | $1,405,000 | $66,000 | $255,000 | $163,000 | $948,000 |
| Other Purpose | 15 | $1,905,000 | $127,000 | $475,000 | $128,000 | $436,000 |
| 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 | 596 | $108,660,000 | $182,000 | $785,000 | $115,000 | $1,369,000 |
| Not Provided | 97 | $17,615,000 | $181,000 | $485,000 | $109,000 | $453,000 |
| Hispanic | 52 | $8,370,000 | $160,000 | $485,000 | $103,000 | $469,000 |
| Asian | 17 | $2,675,000 | $157,000 | $305,000 | $129,000 | $351,000 |
| Black or African American | 13 | $1,965,000 | $151,000 | $235,000 | $77,000 | $117,000 |
| Not applicable | 12 | $11,110,000 | $925,000 | $7,395,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $435,000 | $145,000 | $175,000 | $63,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 602 | $121,000,000 | $200,000 | $7,395,000 | $125,000 | $1,369,000 |
| FHA-insured (Federal Housing Administration) | 101 | $12,815,000 | $126,000 | $295,000 | $68,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 87 | $17,015,000 | $195,000 | $785,000 | $82,000 | $319,000 |
| 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 | 681 | $133,255,000 | $195,000 | $7,395,000 | $113,000 | $948,000 |
| Application Denied By Financial Institution | 58 | $8,500,000 | $146,000 | $475,000 | $118,000 | $1,369,000 |
| Application Withdrawn By Applicant | 41 | $6,685,000 | $163,000 | $415,000 | $95,000 | $310,000 |
| Application Approved But Not Accepted | 10 | $2,390,000 | $239,000 | $725,000 | $135,000 | $370,000 |
| 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 | 732 | $142,330,000 | $194,000 | $7,395,000 | $112,000 | $948,000 |
| Credit Application Incomplete | 15 | $2,515,000 | $167,000 | $325,000 | $105,000 | $240,000 |
| Debt-To-Income Ratio | 14 | $1,700,000 | $121,000 | $305,000 | $69,000 | $155,000 |
| Credit History | 13 | $2,045,000 | $157,000 | $475,000 | $101,000 | $300,000 |
| Other | 8 | $1,160,000 | $145,000 | $475,000 | $112,000 | $287,000 |
| Collateral | 5 | $755,000 | $151,000 | $245,000 | $391,000 | $1,369,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $125,000 | $46,000 | $49,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $75,000 | $75,000 |
| 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 2019 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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