American National Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, American National Bank & Trust of Wichita Falls, TX reported 505 mortgage applications totaling $80.4 million, up 13% from 2015. The average application was for $159,164, and applicants reported an average income of $105,463. 85% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Wichita Falls, TX (341), Dallas-Plano-Irving, TX (67) and Fort Worth-Arlington, TX (32) (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 | 505 |
| Total Mortgage Loan Application Amount | $80,378,000 |
| Average Mortgage Loan Application Amount | $159,164 |
| Highest Mortgage Loan Application Amount | $770,000 |
| Average Applicant Income | $105,463 |
| Highest Applicant Income | $685,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 341 | $ 49,052,000 | $ 143,847 | $ 100,000 |
| Dallas-Plano-Irving, TX | 67 | $ 14,623,000 | $ 218,253 | $ 113,000 |
| Fort Worth-Arlington, TX | 32 | $ 7,585,000 | $ 237,031 | $ 163,000 |
| Lubbock, TX | 5 | $ 860,000 | $ 172,000 | $ 189,000 |
| Austin-Round Rock, TX | 3 | $ 696,000 | $ 232,000 | $ 89,000 |
| Waco, TX | 3 | $ 533,000 | $ 177,666 | $ 132,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 225,000 | $ 112,500 | $ 98,000 |
| Killeen-Temple, TX | 2 | $ 166,000 | $ 83,000 | $ 72,000 |
| Tulsa, OK | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Abilene, TX | 1 | $ 417,000 | $ 417,000 | $ 229,000 |
| Lawton, OK | 1 | $ 71,000 | $ 71,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Tyler, TX | 1 | $ 177,000 | $ 177,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2016
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 | 306 | $47,394,000 | $154,000 | $761,000 | $92,000 | $550,000 |
| Refinancing | 188 | $32,633,000 | $173,000 | $770,000 | $126,000 | $685,000 |
| Home Improvement | 11 | $351,000 | $31,000 | $51,000 | $129,000 | $283,000 |
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 | 429 | $68,570,000 | $159,000 | $770,000 | $110,000 | $685,000 |
| Not applicable | 25 | $3,842,000 | $153,000 | $351,000 | $0 | $0 |
| Hispanic | 24 | $3,286,000 | $136,000 | $380,000 | $86,000 | $190,000 |
| Asian | 12 | $2,172,000 | $181,000 | $330,000 | $120,000 | $260,000 |
| Black or African American | 11 | $1,822,000 | $165,000 | $417,000 | $143,000 | $363,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $457,000 | $228,000 | $417,000 | $350,000 | $417,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 1 | $144,000 | $144,000 | $144,000 | $125,000 | $125,000 |
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) | 422 | $66,144,000 | $156,000 | $770,000 | $109,000 | $685,000 |
| VA-guaranteed (Veterans Administration) | 57 | $11,051,000 | $193,000 | $410,000 | $97,000 | $338,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,183,000 | $122,000 | $216,000 | $66,000 | $130,000 |
| 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 | 430 | $68,531,000 | $159,000 | $761,000 | $105,000 | $685,000 |
| Application Denied By Financial Institution | 71 | $11,235,000 | $158,000 | $770,000 | $111,000 | $550,000 |
| Application Withdrawn By Applicant | 2 | $249,000 | $124,000 | $147,000 | $59,000 | $60,000 |
| Application Approved But Not Accepted | 2 | $363,000 | $181,000 | $268,000 | $97,000 | $137,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 42 | $6,368,000 | $151,000 | $417,000 | $128,000 | $550,000 |
| Debt-To-Income Ratio | 8 | $1,237,000 | $154,000 | $375,000 | $73,000 | $120,000 |
| Credit History | 7 | $1,495,000 | $213,000 | $770,000 | $77,000 | $203,000 |
| Collateral | 7 | $957,000 | $136,000 | $183,000 | $101,000 | $157,000 |
| Employment History | 3 | $627,000 | $209,000 | $311,000 | $115,000 | $177,000 |
| Unverifiable Information | 2 | $322,000 | $161,000 | $182,000 | $105,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $137,000 | $137,000 | $137,000 | $98,000 | $98,000 |
| Other | 1 | $92,000 | $92,000 | $92,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2016 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About