American National Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, American National Bank & Trust of Wichita Falls, TX reported 1,165 mortgage applications totaling $359.6 million, up 36% from 2023. The average application was for $308,690, and applicants reported an average income of $191,821. 81% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Wichita Falls, TX (284), Fort Worth-Arlington, TX (247) and Dallas-Plano-Irving, TX (235) (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 | 1,165 |
| Total Mortgage Loan Application Amount | $359,625,000 |
| Average Mortgage Loan Application Amount | $308,690 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $191,821 |
| Highest Applicant Income | $6,751,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 250 | $ 48,100,000 | $ 192,400 | $ 141,000 |
| Wise, Texas | 118 | $ 42,220,000 | $ 357,796 | $ 162,000 |
| Cooke, Texas | 92 | $ 27,620,000 | $ 300,217 | $ 190,000 |
| Denton, Texas | 71 | $ 24,205,000 | $ 340,915 | $ 238,000 |
| Tarrant, Texas | 71 | $ 26,095,000 | $ 367,535 | $ 206,000 |
| Collin, Texas | 64 | $ 27,760,000 | $ 433,750 | $ 273,000 |
| Grayson, Texas | 64 | $ 20,930,000 | $ 327,031 | $ 209,000 |
| Parker, Texas | 49 | $ 17,965,000 | $ 366,632 | $ 178,000 |
| Dallas, Texas | 37 | $ 16,035,000 | $ 433,378 | $ 463,000 |
| Ellis, Texas | 34 | $ 11,290,000 | $ 332,058 | $ 151,000 |
| Wilbarger, Texas | 31 | $ 6,185,000 | $ 199,516 | $ 115,000 |
| Lubbock, Texas | 27 | $ 7,505,000 | $ 277,962 | $ 226,000 |
| Clay, Texas | 21 | $ 3,825,000 | $ 182,142 | $ 109,000 |
| Montague, Texas | 18 | $ 4,640,000 | $ 257,777 | $ 126,000 |
| Archer, Texas | 13 | $ 3,115,000 | $ 239,615 | $ 149,000 |
| Harris, Texas | 13 | $ 5,775,000 | $ 444,230 | $ 194,000 |
| Kaufman, Texas | 12 | $ 4,390,000 | $ 365,833 | $ 168,000 |
| Brazos, Texas | 10 | $ 2,670,000 | $ 267,000 | $ 209,000 |
| Hunt, Texas | 9 | $ 2,795,000 | $ 310,555 | $ 169,000 |
| Johnson, Texas | 9 | $ 1,985,000 | $ 220,555 | $ 249,000 |
| Rockwall, Texas | 8 | $ 3,370,000 | $ 421,250 | $ 229,000 |
| Midland, Texas | 7 | $ 5,395,000 | $ 770,714 | $ 474,000 |
| Travis, Texas | 7 | $ 4,465,000 | $ 637,857 | $ 250,000 |
| Lenawee, Michigan | 5 | $ 1,795,000 | $ 359,000 | $ 139,000 |
| Palo Pinto, Texas | 5 | $ 3,995,000 | $ 799,000 | $ 389,000 |
| Brazoria, Texas | 4 | $ 1,150,000 | $ 287,500 | $ 206,000 |
| El Paso, Texas | 4 | $ 870,000 | $ 217,500 | $ 98,000 |
| Fannin, Texas | 4 | $ 1,260,000 | $ 315,000 | $ 181,000 |
| Young, Texas | 4 | $ 1,120,000 | $ 280,000 | $ 113,000 |
| Baylor, Texas | 3 | $ 695,000 | $ 231,666 | $ 128,000 |
| Bexar, Texas | 3 | $ 1,235,000 | $ 411,666 | $ 137,000 |
| Callahan, Texas | 3 | $ 1,005,000 | $ 335,000 | $ 178,000 |
| Hardeman, Texas | 3 | $ 215,000 | $ 71,666 | $ 85,000 |
| Hill, Texas | 3 | $ 745,000 | $ 248,333 | $ 259,000 |
| Jack, Texas | 3 | $ 1,635,000 | $ 545,000 | $ 334,000 |
| McLennan, Texas | 3 | $ 655,000 | $ 218,333 | $ 54,000 |
| Smith, Texas | 3 | $ 845,000 | $ 281,666 | $ 94,000 |
| Taylor, Texas | 3 | $ 565,000 | $ 188,333 | $ 201,000 |
| Van Zandt, Texas | 3 | $ 1,665,000 | $ 555,000 | $ 160,000 |
| Boulder, Colorado | 2 | $ 820,000 | $ 410,000 | $ 722,000 |
| Walton, Florida | 2 | $ 580,000 | $ 290,000 | $ 171,000 |
| Sanders, Montana | 2 | $ 330,000 | $ 165,000 | $ 58,000 |
| Lincoln, New Mexico | 2 | $ 1,010,000 | $ 505,000 | $ 306,000 |
| Carter, Oklahoma | 2 | $ 570,000 | $ 285,000 | $ 177,000 |
| Marshall, Oklahoma | 2 | $ 610,000 | $ 305,000 | $ 281,000 |
| Galveston, Texas | 2 | $ 1,000,000 | $ 500,000 | $ 211,000 |
| Hays, Texas | 2 | $ 360,000 | $ 180,000 | $ 169,000 |
| Henderson, Texas | 2 | $ 610,000 | $ 305,000 | $ 125,000 |
| Hood, Texas | 2 | $ 430,000 | $ 215,000 | $ 82,000 |
| Knox, Texas | 2 | $ 230,000 | $ 115,000 | $ 93,000 |
| Montgomery, Texas | 2 | $ 900,000 | $ 450,000 | $ 178,000 |
| Scurry, Texas | 2 | $ 260,000 | $ 130,000 | $ 122,000 |
| El Paso, Colorado | 1 | $ 415,000 | $ 415,000 | $ 223,000 |
| Rio Grande, Colorado | 1 | $ 295,000 | $ 295,000 | $ 128,000 |
| Collier, Florida | 1 | $ 245,000 | $ 245,000 | $ 218,000 |
| Martin, Florida | 1 | $ 155,000 | $ 155,000 | $ 332,000 |
| Okaloosa, Florida | 1 | $ 425,000 | $ 425,000 | $ 135,000 |
| St. Lucie, Florida | 1 | $ 325,000 | $ 325,000 | $ 244,000 |
| McLean, Illinois | 1 | $ 345,000 | $ 345,000 | $ 906,000 |
| Sedgwick, Kansas | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Calcasieu, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Wayne, Michigan | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| St. Louis, Missouri | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Dare, North Carolina | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
| Bryan, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 152,000 |
| Canadian, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 31,000 |
| Cleveland, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Comanche, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 902,000 |
| Grady, Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Le Flore, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| McCurtain, Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Pontotoc, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Sequoyah, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 308,000 |
| Washington, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Anderson, Texas | 1 | $ 475,000 | $ 475,000 | $ 378,000 |
| Bell, Texas | 1 | $ 525,000 | $ 525,000 | $ 283,000 |
| Bosque, Texas | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Delta, Texas | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Eastland, Texas | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Erath, Texas | 1 | $ 195,000 | $ 195,000 | $ 616,000 |
| Fort Bend, Texas | 1 | $ 395,000 | $ 395,000 | $ 158,000 |
| Freestone, Texas | 1 | $ 155,000 | $ 155,000 | $ 185,000 |
| Gaines, Texas | 1 | $ 295,000 | $ 295,000 | $ 413,000 |
| Garza, Texas | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Gillespie, Texas | 1 | $ 765,000 | $ 765,000 | $ 384,000 |
| Grimes, Texas | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Hale, Texas | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Haskell, Texas | 1 | $ 265,000 | $ 265,000 | $ 199,000 |
| Hopkins, Texas | 1 | $ 535,000 | $ 535,000 | $ 230,000 |
| Jefferson, Texas | 1 | $ 315,000 | $ 315,000 | $ 246,000 |
| Lynn, Texas | 1 | $ 135,000 | $ 135,000 | $ 177,000 |
| Madison, Texas | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Mills, Texas | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Nacogdoches, Texas | 1 | $ 75,000 | $ 75,000 | $ 256,000 |
| Navarro, Texas | 1 | $ 725,000 | $ 725,000 | $ 256,000 |
| Nueces, Texas | 1 | $ 555,000 | $ 555,000 | $ 248,000 |
| Upshur, Texas | 1 | $ 195,000 | $ 195,000 | $ 253,000 |
| Uvalde, Texas | 1 | $ 315,000 | $ 315,000 | $ 256,000 |
| Washington, Texas | 1 | $ 545,000 | $ 545,000 | $ 397,000 |
| Williamson, Texas | 1 | $ 465,000 | $ 465,000 | $ 216,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2024
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 | 898 | $306,390,000 | $341,000 | $2,665,000 | $198,000 | $6,751,000 |
| Other Purpose | 76 | $9,820,000 | $129,000 | $565,000 | $152,000 | $968,000 |
| Cash-out Refinancing | 75 | $18,605,000 | $248,000 | $765,000 | $188,000 | $1,775,000 |
| Home Improvement | 67 | $9,335,000 | $139,000 | $715,000 | $181,000 | $1,056,000 |
| Refinancing | 49 | $15,475,000 | $315,000 | $1,265,000 | $161,000 | $901,000 |
| 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 | 815 | $252,155,000 | $309,000 | $1,975,000 | $196,000 | $6,751,000 |
| Not Provided | 140 | $42,050,000 | $300,000 | $1,015,000 | $230,000 | $2,460,000 |
| Hispanic | 123 | $32,505,000 | $264,000 | $1,495,000 | $128,000 | $1,047,000 |
| Asian | 34 | $12,610,000 | $370,000 | $995,000 | $241,000 | $1,056,000 |
| Black or African American | 28 | $9,270,000 | $331,000 | $805,000 | $147,000 | $311,000 |
| Not applicable | 15 | $8,065,000 | $537,000 | $2,665,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,970,000 | $297,000 | $545,000 | $117,000 | $212,000 |
| 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) | 889 | $273,495,000 | $307,000 | $2,665,000 | $215,000 | $6,751,000 |
| FHA-insured (Federal Housing Administration) | 184 | $53,270,000 | $289,000 | $575,000 | $112,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 85 | $31,535,000 | $371,000 | $805,000 | $138,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,325,000 | $189,000 | $305,000 | $77,000 | $120,000 |
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 | 949 | $297,405,000 | $313,000 | $2,665,000 | $195,000 | $6,751,000 |
| Application Withdrawn By Applicant | 119 | $32,665,000 | $274,000 | $1,185,000 | $199,000 | $1,775,000 |
| Application Approved But Not Accepted | 57 | $18,565,000 | $325,000 | $1,005,000 | $163,000 | $470,000 |
| Application Denied By Financial Institution | 25 | $5,875,000 | $235,000 | $615,000 | $120,000 | $481,000 |
| File Closed For Incompleteness | 15 | $5,115,000 | $341,000 | $755,000 | $165,000 | $396,000 |
| 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 | 1,140 | $353,750,000 | $310,000 | $2,665,000 | $194,000 | $6,751,000 |
| Debt-To-Income Ratio | 12 | $3,460,000 | $288,000 | $615,000 | $92,000 | $225,000 |
| Collateral | 5 | $1,005,000 | $201,000 | $325,000 | $137,000 | $218,000 |
| Other | 3 | $565,000 | $188,000 | $215,000 | $154,000 | $325,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $165,000 | $275,000 | $481,000 |
| Credit History | 2 | $470,000 | $235,000 | $375,000 | $93,000 | $128,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2024 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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