American National Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, American National Bank & Trust of Wichita Falls, TX reported 807 mortgage applications totaling $78.2 million. The average application was for $96,897, and applicants reported an average income of $88,710. 83% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Wichita Falls, TX (706), Dallas, TX (28) and Fort Worth-Arlington, TX (11) (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 | 807 |
| Total Mortgage Loan Application Amount | $78,196,000 |
| Average Mortgage Loan Application Amount | $96,897 |
| Highest Mortgage Loan Application Amount | $780,000 |
| Average Applicant Income | $88,710 |
| Highest Applicant Income | $811,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 706 | $ 66,256,000 | $ 93,847 | $ 77,000 |
| Dallas, TX | 28 | $ 4,198,000 | $ 149,928 | $ 86,000 |
| Fort Worth-Arlington, TX | 11 | $ 1,405,000 | $ 127,727 | $ 114,000 |
| Austin-San Marcos, TX | 3 | $ 692,000 | $ 230,666 | $ 418,000 |
| Sherman-Denison, TX | 3 | $ 201,000 | $ 67,000 | $ 52,000 |
| Odessa-Midland, TX | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| San Angelo, TX | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2003
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 (one-to-four family) | 450 | $44,500,000 | $98,000 | $780,000 | $81,000 | $811,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 346 | $33,574,000 | $97,000 | $437,000 | $100,000 | $771,000 |
| Home Improvement (one-to-four family) | 11 | $122,000 | $11,000 | $24,000 | $49,000 | $94,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 742 | $71,558,000 | $96,000 | $475,000 | $92,000 | $811,000 |
| Hispanic | 31 | $2,398,000 | $77,000 | $158,000 | $64,000 | $321,000 |
| Black | 17 | $1,283,000 | $75,000 | $123,000 | $58,000 | $206,000 |
| Asian or Pacific Islander | 9 | $1,369,000 | $152,000 | $323,000 | $207,000 | $495,000 |
| American Indian or Alaskan Native | 4 | $306,000 | $76,000 | $128,000 | $56,000 | $76,000 |
| Not applicable | 2 | $877,000 | $438,000 | $780,000 | $0 | $0 |
| Other | 2 | $405,000 | $202,000 | $279,000 | $109,000 | $114,000 |
| Information not provided by applicant in mail or telephone application | 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) | 531 | $52,550,000 | $98,000 | $780,000 | $105,000 | $811,000 |
| VA-guaranteed (Veterans Administration) | 156 | $16,673,000 | $106,000 | $240,000 | $55,000 | $185,000 |
| FHA-insured (Federal Housing Administration) | 120 | $8,973,000 | $74,000 | $156,000 | $46,000 | $122,000 |
| 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 | 670 | $67,003,000 | $100,000 | $780,000 | $110,000 | $811,000 |
| Application Denied By Financial Institution | 72 | $5,532,000 | $76,000 | $323,000 | $55,000 | $300,000 |
| Application Withdrawn By Applicant | 49 | $4,155,000 | $84,000 | $255,000 | $68,000 | $305,000 |
| Application Approved But Not Accepted | 16 | $1,506,000 | $94,000 | $235,000 | $71,000 | $255,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $1,834,000 | $63,000 | $165,000 | $41,000 | $88,000 |
| Credit Application Incomplete | 18 | $1,875,000 | $104,000 | $323,000 | $90,000 | $300,000 |
| Other | 13 | $755,000 | $58,000 | $135,000 | $69,000 | $206,000 |
| Debt-To-Income Ratio | 8 | $646,000 | $80,000 | $130,000 | $40,000 | $54,000 |
| Collateral | 3 | $264,000 | $88,000 | $200,000 | $71,000 | $98,000 |
| Employment History | 1 | $158,000 | $158,000 | $158,000 | $133,000 | $133,000 |
| 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 2003 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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