American National Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, American National Bank & Trust of Wichita Falls, TX reported 856 mortgage applications totaling $250.9 million, up 18% from 2022. The average application was for $293,095, and applicants reported an average income of $205,882. 81% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Wichita Falls, TX (341), Dallas-Plano-Irving, TX (162) and Fort Worth-Arlington, TX (122) (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 | 856 |
| Total Mortgage Loan Application Amount | $250,890,000 |
| Average Mortgage Loan Application Amount | $293,095 |
| Highest Mortgage Loan Application Amount | $4,425,000 |
| Average Applicant Income | $205,882 |
| Highest Applicant Income | $3,496,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 290 | $ 49,910,000 | $ 172,103 | $ 142,000 |
| Denton, Texas | 67 | $ 23,335,000 | $ 348,283 | $ 222,000 |
| Tarrant, Texas | 58 | $ 26,410,000 | $ 455,344 | $ 368,000 |
| Cooke, Texas | 57 | $ 14,785,000 | $ 259,385 | $ 166,000 |
| Grayson, Texas | 44 | $ 15,260,000 | $ 346,818 | $ 241,000 |
| Collin, Texas | 36 | $ 16,420,000 | $ 456,111 | $ 441,000 |
| Dallas, Texas | 36 | $ 18,350,000 | $ 509,722 | $ 237,000 |
| Archer, Texas | 28 | $ 6,370,000 | $ 227,500 | $ 130,000 |
| Parker, Texas | 27 | $ 8,905,000 | $ 329,814 | $ 264,000 |
| Wise, Texas | 27 | $ 11,475,000 | $ 425,000 | $ 192,000 |
| Clay, Texas | 23 | $ 3,395,000 | $ 147,608 | $ 97,000 |
| Wilbarger, Texas | 23 | $ 2,545,000 | $ 110,652 | $ 101,000 |
| Johnson, Texas | 10 | $ 2,770,000 | $ 277,000 | $ 178,000 |
| Montague, Texas | 9 | $ 2,495,000 | $ 277,222 | $ 122,000 |
| McLennan, Texas | 8 | $ 1,320,000 | $ 165,000 | $ 165,000 |
| Ellis, Texas | 7 | $ 3,585,000 | $ 512,142 | $ 300,000 |
| Hunt, Texas | 7 | $ 2,585,000 | $ 369,285 | $ 155,000 |
| Kaufman, Texas | 6 | $ 2,250,000 | $ 375,000 | $ 192,000 |
| Travis, Texas | 6 | $ 4,320,000 | $ 720,000 | $ 403,000 |
| Hardeman, Texas | 4 | $ 280,000 | $ 70,000 | $ 60,000 |
| Bernalillo, New Mexico | 3 | $ 1,825,000 | $ 608,333 | $ 322,000 |
| Jack, Texas | 3 | $ 975,000 | $ 325,000 | $ 277,000 |
| Lubbock, Texas | 3 | $ 525,000 | $ 175,000 | $ 205,000 |
| Navarro, Texas | 3 | $ 1,285,000 | $ 428,333 | $ 356,000 |
| Palo Pinto, Texas | 3 | $ 645,000 | $ 215,000 | $ 216,000 |
| Rockwall, Texas | 3 | $ 1,225,000 | $ 408,333 | $ 204,000 |
| Cotton, Oklahoma | 2 | $ 370,000 | $ 185,000 | $ 116,000 |
| McClain, Oklahoma | 2 | $ 860,000 | $ 430,000 | $ 302,000 |
| Bastrop, Texas | 2 | $ 1,010,000 | $ 505,000 | $ 167,000 |
| Comal, Texas | 2 | $ 210,000 | $ 105,000 | $ 173,000 |
| El Paso, Texas | 2 | $ 1,250,000 | $ 625,000 | $ 300,000 |
| Erath, Texas | 2 | $ 1,150,000 | $ 575,000 | $ 1,163,000 |
| Fort Bend, Texas | 2 | $ 930,000 | $ 465,000 | $ 361,000 |
| Harris, Texas | 2 | $ 1,900,000 | $ 950,000 | $ 400,000 |
| Randall, Texas | 2 | $ 570,000 | $ 285,000 | $ 83,000 |
| Williamson, Texas | 2 | $ 790,000 | $ 395,000 | $ 189,000 |
| Young, Texas | 2 | $ 860,000 | $ 430,000 | $ 203,000 |
| Baldwin, Alabama | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Pinal, Arizona | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Benton, Arkansas | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Montgomery, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Washington, Arkansas | 1 | $ 265,000 | $ 265,000 | $ 154,000 |
| Chaffee, Colorado | 1 | $ 625,000 | $ 625,000 | $ 200,000 |
| Denver, Colorado | 1 | $ 855,000 | $ 855,000 | $ 467,000 |
| Pueblo, Colorado | 1 | $ 565,000 | $ 565,000 | $ 124,000 |
| Teller, Colorado | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Manatee, Florida | 1 | $ 515,000 | $ 515,000 | $ 546,000 |
| Cerro Gordo, Iowa | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Lincoln, New Mexico | 1 | $ 385,000 | $ 385,000 | $ 201,000 |
| Comanche, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 924,000 |
| Muskogee, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 109,000 |
| Anderson, Texas | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Aransas, Texas | 1 | $ 635,000 | $ 635,000 | $ 179,000 |
| Bell, Texas | 1 | $ 515,000 | $ 515,000 | $ 247,000 |
| Bexar, Texas | 1 | $ 395,000 | $ 395,000 | $ 162,000 |
| Brazos, Texas | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Brown, Texas | 1 | $ 225,000 | $ 225,000 | $ 122,000 |
| Eastland, Texas | 1 | $ 45,000 | $ 45,000 | $ 147,000 |
| Fannin, Texas | 1 | $ 455,000 | $ 455,000 | $ 174,000 |
| Haskell, Texas | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Hays, Texas | 1 | $ 105,000 | $ 105,000 | $ 153,000 |
| Henderson, Texas | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Hockley, Texas | 1 | $ 575,000 | $ 575,000 | $ 238,000 |
| Hood, Texas | 1 | $ 665,000 | $ 665,000 | $ 508,000 |
| Lamar, Texas | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Lampasas, Texas | 1 | $ 545,000 | $ 545,000 | $ 104,000 |
| Lynn, Texas | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Marion, Texas | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Midland, Texas | 1 | $ 1,325,000 | $ 1,325,000 | $ 542,000 |
| Newton, Texas | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Nueces, Texas | 1 | $ 965,000 | $ 965,000 | $ 419,000 |
| Smith, Texas | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Stephens, Texas | 1 | $ 1,805,000 | $ 1,805,000 | $ 1,411,000 |
| Taylor, Texas | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Tom Green, Texas | 1 | $ 325,000 | $ 325,000 | $ 240,000 |
| Van Zandt, Texas | 1 | $ 345,000 | $ 345,000 | $ 221,000 |
| Walker, Texas | 1 | $ 575,000 | $ 575,000 | $ 312,000 |
| Wharton, Texas | 1 | $ 445,000 | $ 445,000 | $ 231,000 |
| Wood, Texas | 1 | $ 505,000 | $ 505,000 | $ 351,000 |
| Virginia Beach, Virginia | 1 | $ 375,000 | $ 375,000 | $ 222,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2023
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 | 635 | $196,225,000 | $309,000 | $3,005,000 | $214,000 | $3,496,000 |
| Cash-out Refinancing | 73 | $23,555,000 | $322,000 | $1,305,000 | $191,000 | $745,000 |
| Other Purpose | 65 | $7,245,000 | $111,000 | $655,000 | $157,000 | $842,000 |
| Home Improvement | 44 | $10,620,000 | $241,000 | $4,425,000 | $174,000 | $546,000 |
| Refinancing | 39 | $13,245,000 | $339,000 | $1,295,000 | $219,000 | $1,090,000 |
| 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 | 538 | $156,820,000 | $291,000 | $2,085,000 | $200,000 | $3,496,000 |
| Not Provided | 136 | $43,340,000 | $318,000 | $3,005,000 | $284,000 | $2,072,000 |
| Hispanic | 97 | $21,825,000 | $225,000 | $1,005,000 | $120,000 | $607,000 |
| Not applicable | 33 | $12,305,000 | $372,000 | $4,425,000 | $0 | $0 |
| Asian | 30 | $12,840,000 | $428,000 | $995,000 | $293,000 | $770,000 |
| Black or African American | 13 | $2,705,000 | $208,000 | $495,000 | $136,000 | $390,000 |
| American Indian or Alaskan Native | 8 | $840,000 | $105,000 | $215,000 | $61,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $59,000 | $59,000 |
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) | 722 | $217,560,000 | $301,000 | $4,425,000 | $227,000 | $3,496,000 |
| FHA-insured (Federal Housing Administration) | 75 | $16,755,000 | $223,000 | $545,000 | $89,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 59 | $16,575,000 | $280,000 | $615,000 | $107,000 | $337,000 |
| 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 | 690 | $200,840,000 | $291,000 | $4,425,000 | $210,000 | $3,237,000 |
| Application Withdrawn By Applicant | 106 | $34,560,000 | $326,000 | $2,085,000 | $208,000 | $3,496,000 |
| Application Approved But Not Accepted | 41 | $9,115,000 | $222,000 | $605,000 | $163,000 | $745,000 |
| Application Denied By Financial Institution | 19 | $6,375,000 | $335,000 | $1,055,000 | $141,000 | $388,000 |
| 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 | 837 | $244,515,000 | $292,000 | $4,425,000 | $207,000 | $3,496,000 |
| Debt-To-Income Ratio | 5 | $2,865,000 | $573,000 | $1,055,000 | $174,000 | $388,000 |
| Collateral | 4 | $670,000 | $167,000 | $325,000 | $137,000 | $193,000 |
| Credit Application Incomplete | 3 | $565,000 | $188,000 | $305,000 | $106,000 | $118,000 |
| Unverifiable Information | 3 | $1,345,000 | $448,000 | $1,005,000 | $130,000 | $211,000 |
| Credit History | 2 | $850,000 | $425,000 | $495,000 | $170,000 | $245,000 |
| Other | 2 | $80,000 | $40,000 | $55,000 | $104,000 | $149,000 |
| 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 2023 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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