American National Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, American National Bank & Trust of Wichita Falls, TX reported 1,299 mortgage applications totaling $440.0 million, up 12% from 2024. The average application was for $338,749, and applicants reported an average income of $183,030. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita Falls, TX (395), Dallas-Plano-Irving, TX (260) and Fort Worth-Arlington, TX (238) (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 | 1,299 |
| Total Mortgage Loan Application Amount | $440,035,000 |
| Average Mortgage Loan Application Amount | $338,749 |
| Highest Mortgage Loan Application Amount | $16,505,000 |
| Average Applicant Income | $183,030 |
| Highest Applicant Income | $2,543,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wichita Falls, TX | 395 | $ 78,675,000 | $ 199,177 | $ 139,000 |
| Dallas-Plano-Irving, TX | 260 | $ 131,130,000 | $ 504,346 | $ 258,000 |
| Outside any metro area | 240 | $ 73,690,000 | $ 307,041 | $ 155,518 |
| Fort Worth-Arlington, TX | 238 | $ 97,410,000 | $ 409,285 | $ 197,000 |
| Sherman-Denison, TX | 73 | $ 25,045,000 | $ 343,082 | $ 164,000 |
| Lubbock, TX | 22 | $ 5,150,000 | $ 234,090 | $ 162,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 5,050,000 | $ 360,714 | $ 179,000 |
| Austin-Round Rock, TX | 5 | $ 3,145,000 | $ 629,000 | $ 248,000 |
| College Station-Bryan, TX | 5 | $ 1,055,000 | $ 211,000 | $ 114,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,885,000 | $ 377,000 | $ 216,000 |
| Abilene, TX | 3 | $ 2,485,000 | $ 828,333 | $ 263,000 |
| Midland, TX | 3 | $ 1,325,000 | $ 441,666 | $ 348,000 |
| Brownsville-Harlingen, TX | 2 | $ 460,000 | $ 230,000 | $ 85,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 640,000 | $ 320,000 | $ 200,000 |
| Fort Collins, CO | 2 | $ 2,420,000 | $ 1,210,000 | $ 393,000 |
| Killeen-Temple, TX | 2 | $ 600,000 | $ 300,000 | $ 159,000 |
| Longview, TX | 2 | $ 340,000 | $ 170,000 | $ 159,000 |
| Missoula, MT | 2 | $ 1,610,000 | $ 805,000 | $ 1,463,000 |
| Shreveport-Bossier City, LA | 2 | $ 560,000 | $ 280,000 | $ 83,000 |
| Amarillo, TX | 1 | $ 465,000 | $ 465,000 | $ 160,000 |
| Corpus Christi, TX | 1 | $ 1,235,000 | $ 1,235,000 | $ 554,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 345,000 | $ 345,000 | $ 23,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 715,000 | $ 715,000 | $ 319,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| El Paso, TX | 1 | $ 75,000 | $ 75,000 | $ 474,000 |
| Gettysburg, PA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Greeley, CO | 1 | $ 355,000 | $ 355,000 | $ 57,000 |
| Hot Springs, AR | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Jacksonville, FL | 1 | $ 215,000 | $ 215,000 | $ 67,000 |
| Kansas City, MO-KS | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Lafayette, LA | 1 | $ 215,000 | $ 215,000 | $ 170,000 |
| Lawton, OK | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 605,000 | $ 605,000 | $ 217,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 335,000 | $ 335,000 | $ 140,000 |
| Odessa, TX | 1 | $ 195,000 | $ 195,000 | $ 151,000 |
| Oklahoma City, OK | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 295,000 | $ 295,000 | $ 84,000 |
| Tyler, TX | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Victoria, TX | 1 | $ 245,000 | $ 245,000 | $ 320,000 |
| Waco, TX | 1 | $ 325,000 | $ 325,000 | $ 146,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2025
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 | 979 | $327,705,000 | $334,000 | $3,475,000 | $177,000 | $2,543,000 |
| Cash-out Refinancing | 111 | $32,635,000 | $294,000 | $1,005,000 | $185,000 | $1,648,000 |
| Refinancing | 106 | $63,390,000 | $598,000 | $16,505,000 | $227,000 | $866,000 |
| Home Improvement | 55 | $9,215,000 | $167,000 | $1,505,000 | $227,000 | $2,446,000 |
| Other Purpose | 48 | $7,090,000 | $147,000 | $565,000 | $154,000 | $457,000 |
| 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 | 887 | $280,745,000 | $316,000 | $3,475,000 | $177,000 | $2,446,000 |
| Hispanic | 166 | $47,810,000 | $288,000 | $1,135,000 | $122,000 | $543,000 |
| Not Provided | 146 | $53,540,000 | $366,000 | $3,005,000 | $282,000 | $1,800,000 |
| Asian | 37 | $13,285,000 | $359,000 | $1,165,000 | $217,000 | $1,270,000 |
| Black or African American | 33 | $10,785,000 | $326,000 | $1,295,000 | $198,000 | $2,543,000 |
| Not applicable | 17 | $30,605,000 | $1,800,000 | $16,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 11 | $2,505,000 | $227,000 | $655,000 | $118,000 | $251,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $760,000 | $380,000 | $605,000 | $195,000 | $317,000 |
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) | 900 | $313,090,000 | $347,000 | $16,505,000 | $210,000 | $2,543,000 |
| FHA-insured (Federal Housing Administration) | 269 | $78,145,000 | $290,000 | $575,000 | $113,000 | $438,000 |
| VA-guaranteed (Veterans Administration) | 118 | $45,840,000 | $388,000 | $1,135,000 | $146,000 | $449,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,960,000 | $246,000 | $345,000 | $91,000 | $112,000 |
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 | 1,039 | $352,475,000 | $339,000 | $16,505,000 | $184,000 | $2,446,000 |
| Application Withdrawn By Applicant | 136 | $43,520,000 | $320,000 | $2,515,000 | $180,000 | $1,270,000 |
| Application Approved But Not Accepted | 69 | $27,155,000 | $393,000 | $2,105,000 | $216,000 | $2,543,000 |
| Application Denied By Financial Institution | 51 | $15,805,000 | $309,000 | $755,000 | $126,000 | $370,000 |
| File Closed For Incompleteness | 4 | $1,080,000 | $270,000 | $345,000 | $103,000 | $152,000 |
| 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 | 1,248 | $424,230,000 | $339,000 | $16,505,000 | $185,000 | $2,543,000 |
| Debt-To-Income Ratio | 28 | $9,270,000 | $331,000 | $715,000 | $99,000 | $319,000 |
| Other | 9 | $2,595,000 | $288,000 | $755,000 | $199,000 | $370,000 |
| Credit History | 8 | $1,730,000 | $216,000 | $425,000 | $112,000 | $240,000 |
| Collateral | 3 | $1,095,000 | $365,000 | $665,000 | $162,000 | $345,000 |
| Employment History | 2 | $480,000 | $240,000 | $255,000 | $137,000 | $175,000 |
| Unverifiable Information | 1 | $635,000 | $635,000 | $635,000 | $199,000 | $199,000 |
| Credit Application Incomplete | 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 2025 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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