American National Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, American National Bank & Trust of Wichita Falls, TX reported 979 mortgage applications totaling $234.0 million, down 30% from 2020. The average application was for $239,024, and applicants reported an average income of $132,035. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita Falls, TX (626), Dallas-Plano-Irving, TX (131) and Fort Worth-Arlington, TX (78) (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 | 979 |
| Total Mortgage Loan Application Amount | $234,005,000 |
| Average Mortgage Loan Application Amount | $239,024 |
| Highest Mortgage Loan Application Amount | $6,855,000 |
| Average Applicant Income | $132,035 |
| Highest Applicant Income | $1,309,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 515 | $ 89,155,000 | $ 173,116 | $ 105,000 |
| Archer, Texas | 66 | $ 15,830,000 | $ 239,848 | $ 147,000 |
| Denton, Texas | 64 | $ 19,400,000 | $ 303,125 | $ 163,000 |
| Tarrant, Texas | 61 | $ 20,425,000 | $ 334,836 | $ 208,000 |
| Clay, Texas | 45 | $ 8,025,000 | $ 178,333 | $ 104,000 |
| Dallas, Texas | 34 | $ 16,900,000 | $ 497,058 | $ 235,000 |
| Collin, Texas | 29 | $ 12,205,000 | $ 420,862 | $ 190,000 |
| Lubbock, Texas | 14 | $ 3,640,000 | $ 260,000 | $ 270,000 |
| McLennan, Texas | 14 | $ 3,460,000 | $ 247,142 | $ 100,000 |
| Parker, Texas | 12 | $ 3,180,000 | $ 265,000 | $ 111,000 |
| Wilbarger, Texas | 11 | $ 725,000 | $ 65,909 | $ 67,000 |
| Montague, Texas | 10 | $ 1,310,000 | $ 131,000 | $ 184,000 |
| Brown, Texas | 6 | $ 840,000 | $ 140,000 | $ 68,000 |
| Travis, Texas | 6 | $ 2,300,000 | $ 383,333 | $ 301,000 |
| Baylor, Texas | 5 | $ 495,000 | $ 99,000 | $ 90,000 |
| Howard, Texas | 5 | $ 1,655,000 | $ 331,000 | $ 130,000 |
| Midland, Texas | 4 | $ 1,090,000 | $ 272,500 | $ 233,000 |
| Young, Texas | 4 | $ 390,000 | $ 97,500 | $ 121,000 |
| Brazos, Texas | 3 | $ 455,000 | $ 151,666 | $ 326,000 |
| Hardeman, Texas | 3 | $ 465,000 | $ 155,000 | $ 115,000 |
| Henderson, Texas | 3 | $ 2,425,000 | $ 808,333 | $ 662,000 |
| Nolan, Texas | 3 | $ 475,000 | $ 158,333 | $ 120,000 |
| Palo Pinto, Texas | 3 | $ 375,000 | $ 125,000 | $ 154,000 |
| Wise, Texas | 3 | $ 725,000 | $ 241,666 | $ 353,000 |
| Bexar, Texas | 2 | $ 230,000 | $ 115,000 | $ 115,000 |
| Bosque, Texas | 2 | $ 760,000 | $ 380,000 | $ 248,000 |
| Ellis, Texas | 2 | $ 620,000 | $ 310,000 | $ 162,000 |
| Hamilton, Texas | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Hansford, Texas | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Hood, Texas | 2 | $ 590,000 | $ 295,000 | $ 193,000 |
| Jack, Texas | 2 | $ 250,000 | $ 125,000 | $ 134,000 |
| Johnson, Texas | 2 | $ 520,000 | $ 260,000 | $ 141,000 |
| Knox, Texas | 2 | $ 260,000 | $ 130,000 | $ 64,000 |
| Smith, Texas | 2 | $ 410,000 | $ 205,000 | $ 92,000 |
| Somervell, Texas | 2 | $ 910,000 | $ 455,000 | $ 163,000 |
| Stephens, Texas | 2 | $ 340,000 | $ 170,000 | $ 241,000 |
| Taylor, Texas | 2 | $ 440,000 | $ 220,000 | $ 112,000 |
| Jefferson, Colorado | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Larimer, Colorado | 1 | $ 375,000 | $ 375,000 | $ 165,000 |
| Las Animas, Colorado | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Flagler, Florida | 1 | $ 385,000 | $ 385,000 | $ 140,000 |
| Walton, Florida | 1 | $ 955,000 | $ 955,000 | $ 407,000 |
| Santa Fe, New Mexico | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Dare, North Carolina | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 6,855,000 | $ 6,855,000 | $ 0 |
| Tillman, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Coffee, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Montgomery, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Childress, Texas | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Comanche, Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Cooke, Texas | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Ector, Texas | 1 | $ 205,000 | $ 205,000 | $ 236,000 |
| Erath, Texas | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Foard, Texas | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Galveston, Texas | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| Hall, Texas | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Hays, Texas | 1 | $ 385,000 | $ 385,000 | $ 160,000 |
| Hopkins, Texas | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Hunt, Texas | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Kaufman, Texas | 1 | $ 145,000 | $ 145,000 | $ 200,000 |
| Kleberg, Texas | 1 | $ 6,025,000 | $ 6,025,000 | $ 0 |
| Leon, Texas | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| Navarro, Texas | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Randall, Texas | 1 | $ 965,000 | $ 965,000 | $ 759,000 |
| San Saba, Texas | 1 | $ 275,000 | $ 275,000 | $ 110,000 |
| Van Zandt, Texas | 1 | $ 555,000 | $ 555,000 | $ 93,000 |
| Wilson, Texas | 1 | $ 155,000 | $ 155,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2021
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 | 469 | $116,135,000 | $247,000 | $6,855,000 | $126,000 | $1,309,000 |
| Refinancing | 267 | $60,575,000 | $226,000 | $2,025,000 | $138,000 | $756,000 |
| Cash-out Refinancing | 215 | $54,405,000 | $253,000 | $4,205,000 | $133,000 | $759,000 |
| Home Improvement | 26 | $2,780,000 | $106,000 | $575,000 | $177,000 | $421,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $65,000 | $63,000 | $106,000 |
| 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 | 663 | $143,055,000 | $215,000 | $1,195,000 | $128,000 | $688,000 |
| Not Provided | 178 | $37,990,000 | $213,000 | $965,000 | $168,000 | $1,309,000 |
| Hispanic | 54 | $9,020,000 | $167,000 | $855,000 | $78,000 | $256,000 |
| Not applicable | 33 | $33,735,000 | $1,022,000 | $6,855,000 | $0 | $0 |
| Black or African American | 23 | $5,975,000 | $259,000 | $615,000 | $128,000 | $230,000 |
| Asian | 21 | $3,455,000 | $164,000 | $515,000 | $114,000 | $900,000 |
| American Indian or Alaskan Native | 5 | $575,000 | $115,000 | $155,000 | $81,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $105,000 | $100,000 | $100,000 |
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) | 860 | $208,280,000 | $242,000 | $6,855,000 | $139,000 | $1,309,000 |
| VA-guaranteed (Veterans Administration) | 89 | $21,465,000 | $241,000 | $545,000 | $90,000 | $248,000 |
| FHA-insured (Federal Housing Administration) | 30 | $4,260,000 | $142,000 | $315,000 | $63,000 | $154,000 |
| 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 | 788 | $196,000,000 | $248,000 | $6,855,000 | $138,000 | $1,309,000 |
| Application Withdrawn By Applicant | 92 | $19,190,000 | $208,000 | $955,000 | $115,000 | $407,000 |
| Application Denied By Financial Institution | 74 | $13,930,000 | $188,000 | $585,000 | $95,000 | $416,000 |
| Application Approved But Not Accepted | 21 | $4,475,000 | $213,000 | $855,000 | $126,000 | $281,000 |
| File Closed For Incompleteness | 4 | $410,000 | $102,000 | $205,000 | $100,000 | $190,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 905 | $220,075,000 | $243,000 | $6,855,000 | $135,000 | $1,309,000 |
| Debt-To-Income Ratio | 27 | $5,595,000 | $207,000 | $505,000 | $83,000 | $294,000 |
| Credit History | 16 | $2,350,000 | $146,000 | $455,000 | $82,000 | $324,000 |
| Other | 10 | $1,870,000 | $187,000 | $545,000 | $98,000 | $232,000 |
| Unverifiable Information | 9 | $2,195,000 | $243,000 | $585,000 | $172,000 | $416,000 |
| Collateral | 7 | $1,005,000 | $143,000 | $265,000 | $70,000 | $114,000 |
| Credit Application Incomplete | 2 | $350,000 | $175,000 | $225,000 | $80,000 | $118,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 1 | $155,000 | $155,000 | $155,000 | $116,000 | $116,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2021 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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