American National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, American National Bank & Trust of Wichita Falls, TX reported 448 mortgage applications totaling $71.0 million, down 6% from 2014. The average application was for $158,390, and applicants reported an average income of $106,828. 68% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Wichita Falls, TX (265), Dallas-Plano-Irving, TX (61) and Fort Worth-Arlington, TX (23) (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 | 448 |
| Total Mortgage Loan Application Amount | $70,959,000 |
| Average Mortgage Loan Application Amount | $158,390 |
| Highest Mortgage Loan Application Amount | $2,343,000 |
| Average Applicant Income | $106,828 |
| Highest Applicant Income | $565,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 265 | $ 33,640,000 | $ 126,943 | $ 92,000 |
| Dallas-Plano-Irving, TX | 61 | $ 12,165,000 | $ 199,426 | $ 150,000 |
| Fort Worth-Arlington, TX | 23 | $ 4,117,000 | $ 179,000 | $ 99,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 1,743,000 | $ 193,666 | $ 151,000 |
| Abilene, TX | 8 | $ 1,616,000 | $ 202,000 | $ 127,000 |
| Austin-Round Rock, TX | 6 | $ 5,143,000 | $ 857,166 | $ 123,000 |
| Waco, TX | 6 | $ 1,175,000 | $ 195,833 | $ 198,000 |
| Lubbock, TX | 5 | $ 1,186,000 | $ 237,200 | $ 148,000 |
| Sherman-Denison, TX | 3 | $ 364,000 | $ 121,333 | $ 88,000 |
| Amarillo, TX | 2 | $ 376,000 | $ 188,000 | $ 206,000 |
| Midland, TX | 2 | $ 507,000 | $ 253,500 | $ 163,000 |
| Beaumont-Port Arthur, TX | 1 | $ 292,000 | $ 292,000 | $ 178,000 |
| Brownsville-Harlingen, TX | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Colorado Springs, CO | 1 | $ 202,000 | $ 202,000 | $ 102,000 |
| Corpus Christi, TX | 1 | $ 141,000 | $ 141,000 | $ 39,000 |
| Killeen-Temple, TX | 1 | $ 118,000 | $ 118,000 | $ 84,000 |
| Napa, CA | 1 | $ 383,000 | $ 383,000 | $ 0 |
| San Angelo, TX | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| San Antonio-New Braunfels, TX | 1 | $ 266,000 | $ 266,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2015
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 | 253 | $40,506,000 | $160,000 | $1,638,000 | $105,000 | $542,000 |
| Refinancing | 182 | $29,733,000 | $163,000 | $2,343,000 | $111,000 | $565,000 |
| Home Improvement | 13 | $720,000 | $55,000 | $200,000 | $84,000 | $188,000 |
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 | 385 | $59,469,000 | $154,000 | $460,000 | $113,000 | $565,000 |
| Hispanic | 24 | $3,414,000 | $142,000 | $310,000 | $88,000 | $224,000 |
| Not applicable | 20 | $5,502,000 | $275,000 | $2,343,000 | $0 | $0 |
| Asian | 8 | $1,566,000 | $195,000 | $363,000 | $152,000 | $369,000 |
| Black or African American | 6 | $670,000 | $111,000 | $174,000 | $62,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $194,000 | $97,000 | $158,000 | $95,000 | $111,000 |
| Not Provided | 2 | $84,000 | $42,000 | $74,000 | $73,000 | $114,000 |
| American Indian or Alaskan Native | 1 | $60,000 | $60,000 | $60,000 | $102,000 | $102,000 |
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) | 393 | $62,524,000 | $159,000 | $2,343,000 | $111,000 | $565,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,886,000 | $129,000 | $337,000 | $68,000 | $308,000 |
| VA-guaranteed (Veterans Administration) | 25 | $4,549,000 | $181,000 | $357,000 | $83,000 | $178,000 |
| 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 | 305 | $48,421,000 | $158,000 | $2,343,000 | $106,000 | $565,000 |
| Application Denied By Financial Institution | 115 | $17,511,000 | $152,000 | $417,000 | $104,000 | $409,000 |
| File Closed For Incompleteness | 21 | $3,713,000 | $176,000 | $417,000 | $114,000 | $375,000 |
| Application Withdrawn By Applicant | 6 | $1,161,000 | $193,000 | $363,000 | $141,000 | $369,000 |
| Application Approved But Not Accepted | 1 | $153,000 | $153,000 | $153,000 | $90,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 55 | $9,500,000 | $172,000 | $417,000 | $131,000 | $409,000 |
| Credit History | 21 | $2,289,000 | $109,000 | $300,000 | $88,000 | $304,000 |
| Debt-To-Income Ratio | 20 | $3,448,000 | $172,000 | $417,000 | $71,000 | $178,000 |
| Collateral | 10 | $942,000 | $94,000 | $210,000 | $70,000 | $211,000 |
| Other | 5 | $748,000 | $149,000 | $250,000 | $100,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $522,000 | $174,000 | $309,000 | $85,000 | $140,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2015 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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