American National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, American National Bank & Trust of Wichita Falls, TX reported 726 mortgage applications totaling $230.8 million, down 26% from 2021. The average application was for $317,933, and applicants reported an average income of $189,465. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita Falls, TX (386), Dallas-Plano-Irving, TX (131) and Fort Worth-Arlington, TX (115) (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 | 726 |
| Total Mortgage Loan Application Amount | $230,820,000 |
| Average Mortgage Loan Application Amount | $317,933 |
| Highest Mortgage Loan Application Amount | $12,005,000 |
| Average Applicant Income | $189,465 |
| Highest Applicant Income | $7,796,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 317 | $ 57,885,000 | $ 182,602 | $ 134,000 |
| Denton, Texas | 69 | $ 23,885,000 | $ 346,159 | $ 166,000 |
| Tarrant, Texas | 67 | $ 35,865,000 | $ 535,298 | $ 404,000 |
| Archer, Texas | 39 | $ 9,305,000 | $ 238,589 | $ 119,000 |
| Clay, Texas | 30 | $ 4,940,000 | $ 164,666 | $ 108,000 |
| Collin, Texas | 27 | $ 14,045,000 | $ 520,185 | $ 563,000 |
| Dallas, Texas | 22 | $ 24,690,000 | $ 1,122,272 | $ 383,000 |
| Parker, Texas | 19 | $ 7,535,000 | $ 396,578 | $ 169,000 |
| Wise, Texas | 17 | $ 5,805,000 | $ 341,470 | $ 125,000 |
| Wilbarger, Texas | 16 | $ 2,540,000 | $ 158,750 | $ 94,000 |
| Johnson, Texas | 12 | $ 5,260,000 | $ 438,333 | $ 152,000 |
| Cooke, Texas | 9 | $ 2,135,000 | $ 237,222 | $ 90,000 |
| Grayson, Texas | 7 | $ 2,335,000 | $ 333,571 | $ 129,000 |
| Hunt, Texas | 6 | $ 1,830,000 | $ 305,000 | $ 179,000 |
| Montague, Texas | 5 | $ 475,000 | $ 95,000 | $ 77,000 |
| Baylor, Texas | 4 | $ 640,000 | $ 160,000 | $ 101,000 |
| Kaufman, Texas | 4 | $ 1,030,000 | $ 257,500 | $ 117,000 |
| Lubbock, Texas | 4 | $ 1,220,000 | $ 305,000 | $ 190,000 |
| McCurtain, Oklahoma | 3 | $ 1,345,000 | $ 448,333 | $ 0 |
| Hood, Texas | 3 | $ 1,075,000 | $ 358,333 | $ 134,000 |
| Jack, Texas | 3 | $ 385,000 | $ 128,333 | $ 176,000 |
| Palo Pinto, Texas | 3 | $ 955,000 | $ 318,333 | $ 454,000 |
| Rockwall, Texas | 3 | $ 1,125,000 | $ 375,000 | $ 134,000 |
| Taos, New Mexico | 2 | $ 680,000 | $ 340,000 | $ 246,000 |
| Hardeman, Texas | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Kendall, Texas | 2 | $ 170,000 | $ 85,000 | $ 48,000 |
| Llano, Texas | 2 | $ 1,310,000 | $ 655,000 | $ 50,000 |
| McLennan, Texas | 2 | $ 1,100,000 | $ 550,000 | $ 0 |
| Travis, Texas | 2 | $ 1,040,000 | $ 520,000 | $ 183,000 |
| Archuleta, Colorado | 1 | $ 295,000 | $ 295,000 | $ 190,000 |
| Indian River, Florida | 1 | $ 575,000 | $ 575,000 | $ 222,000 |
| Calcasieu, Louisiana | 1 | $ 395,000 | $ 395,000 | $ 144,000 |
| Dare, North Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Garvin, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Nowata, Oklahoma | 1 | $ 485,000 | $ 485,000 | $ 118,000 |
| Oklahoma, Oklahoma | 1 | $ 9,955,000 | $ 9,955,000 | $ 0 |
| Tillman, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Angelina, Texas | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Brazos, Texas | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| DeWitt, Texas | 1 | $ 75,000 | $ 75,000 | $ 95,000 |
| Erath, Texas | 1 | $ 485,000 | $ 485,000 | $ 195,000 |
| Fannin, Texas | 1 | $ 305,000 | $ 305,000 | $ 168,000 |
| Fort Bend, Texas | 1 | $ 455,000 | $ 455,000 | $ 229,000 |
| Hamilton, Texas | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Harris, Texas | 1 | $ 405,000 | $ 405,000 | $ 320,000 |
| Hays, Texas | 1 | $ 385,000 | $ 385,000 | $ 123,000 |
| Henderson, Texas | 1 | $ 1,235,000 | $ 1,235,000 | $ 974,000 |
| Hill, Texas | 1 | $ 385,000 | $ 385,000 | $ 247,000 |
| Lampasas, Texas | 1 | $ 545,000 | $ 545,000 | $ 108,000 |
| Midland, Texas | 1 | $ 425,000 | $ 425,000 | $ 5,931,000 |
| Nolan, Texas | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Potter, Texas | 1 | $ 125,000 | $ 125,000 | $ 179,000 |
| Randall, Texas | 1 | $ 635,000 | $ 635,000 | $ 682,000 |
| Young, Texas | 1 | $ 315,000 | $ 315,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2022
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 | 485 | $160,415,000 | $330,000 | $9,955,000 | $196,000 | $7,796,000 |
| Cash-out Refinancing | 130 | $43,410,000 | $333,000 | $12,005,000 | $156,000 | $1,318,000 |
| Refinancing | 89 | $24,325,000 | $273,000 | $1,085,000 | $179,000 | $900,000 |
| Home Improvement | 17 | $2,075,000 | $122,000 | $285,000 | $333,000 | $1,138,000 |
| Other Purpose | 5 | $595,000 | $119,000 | $385,000 | $124,000 | $183,000 |
| 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 | 467 | $122,195,000 | $261,000 | $2,305,000 | $192,000 | $7,796,000 |
| Not Provided | 128 | $42,670,000 | $333,000 | $3,925,000 | $213,000 | $1,608,000 |
| Not applicable | 46 | $42,900,000 | $932,000 | $12,005,000 | $0 | $0 |
| Hispanic | 46 | $10,600,000 | $230,000 | $765,000 | $98,000 | $320,000 |
| Black or African American | 17 | $5,075,000 | $298,000 | $785,000 | $196,000 | $1,288,000 |
| Asian | 16 | $5,680,000 | $355,000 | $885,000 | $218,000 | $855,000 |
| American Indian or Alaskan Native | 6 | $1,700,000 | $283,000 | $485,000 | $90,000 | $118,000 |
| 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) | 610 | $201,530,000 | $330,000 | $12,005,000 | $208,000 | $7,796,000 |
| VA-guaranteed (Veterans Administration) | 71 | $20,135,000 | $283,000 | $625,000 | $108,000 | $433,000 |
| FHA-insured (Federal Housing Administration) | 45 | $9,155,000 | $203,000 | $455,000 | $79,000 | $167,000 |
| 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 | 593 | $193,765,000 | $326,000 | $12,005,000 | $200,000 | $7,796,000 |
| Application Withdrawn By Applicant | 77 | $19,135,000 | $248,000 | $965,000 | $116,000 | $419,000 |
| Application Denied By Financial Institution | 32 | $11,500,000 | $359,000 | $2,125,000 | $215,000 | $1,010,000 |
| Application Approved But Not Accepted | 24 | $6,420,000 | $267,000 | $505,000 | $132,000 | $381,000 |
| 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 | 694 | $219,320,000 | $316,000 | $12,005,000 | $188,000 | $7,796,000 |
| Debt-To-Income Ratio | 12 | $3,160,000 | $263,000 | $885,000 | $111,000 | $419,000 |
| Credit Application Incomplete | 10 | $3,120,000 | $312,000 | $645,000 | $262,000 | $707,000 |
| Unverifiable Information | 4 | $1,920,000 | $480,000 | $645,000 | $285,000 | $900,000 |
| Other | 3 | $2,355,000 | $785,000 | $2,125,000 | $373,000 | $1,010,000 |
| Credit History | 2 | $700,000 | $350,000 | $645,000 | $306,000 | $540,000 |
| Collateral | 1 | $245,000 | $245,000 | $245,000 | $63,000 | $63,000 |
| 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 2022 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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