American National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, American National Bank & Trust of Wichita Falls, TX reported 1,392 mortgage applications totaling $292.2 million, up 76% from 2019. The average application was for $209,885, and applicants reported an average income of $138,456. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Wichita Falls, TX (850), Dallas-Plano-Irving, TX (200) and Fort Worth-Arlington, TX (141) (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 | 1,392 |
| Total Mortgage Loan Application Amount | $292,160,000 |
| Average Mortgage Loan Application Amount | $209,885 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $138,456 |
| Highest Applicant Income | $7,036,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 850 | $ 148,410,000 | $ 174,600 | $ 116,000 |
| Dallas-Plano-Irving, TX | 200 | $ 55,790,000 | $ 278,950 | $ 190,000 |
| Fort Worth-Arlington, TX | 141 | $ 44,355,000 | $ 314,574 | $ 203,000 |
| Outside any metro area | 89 | $ 15,805,000 | $ 177,584 | $ 127,168 |
| Waco, TX | 31 | $ 8,275,000 | $ 266,935 | $ 151,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 4,340,000 | $ 271,250 | $ 173,000 |
| Abilene, TX | 14 | $ 3,000,000 | $ 214,285 | $ 124,000 |
| Austin-Round Rock, TX | 14 | $ 3,320,000 | $ 237,142 | $ 127,000 |
| Lubbock, TX | 13 | $ 2,805,000 | $ 215,769 | $ 129,000 |
| College Station-Bryan, TX | 3 | $ 615,000 | $ 205,000 | $ 112,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 870,000 | $ 435,000 | $ 139,000 |
| Killeen-Temple, TX | 2 | $ 640,000 | $ 320,000 | $ 268,000 |
| Midland, TX | 2 | $ 590,000 | $ 295,000 | $ 300,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 610,000 | $ 305,000 | $ 127,000 |
| San Antonio-New Braunfels, TX | 2 | $ 480,000 | $ 240,000 | $ 152,000 |
| Sherman-Denison, TX | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 685,000 | $ 685,000 | $ 381,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 215,000 | $ 215,000 | $ 450,000 |
| Lawton, OK | 1 | $ 265,000 | $ 265,000 | $ 162,000 |
| Odessa, TX | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Oklahoma City, OK | 1 | $ 135,000 | $ 135,000 | $ 163,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| San Angelo, TX | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Tulsa, OK | 1 | $ 145,000 | $ 145,000 | $ 167,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2020
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 | 593 | $120,775,000 | $203,000 | $1,305,000 | $123,000 | $2,100,000 |
| Refinancing | 502 | $113,550,000 | $226,000 | $1,365,000 | $157,000 | $7,036,000 |
| Cash-out Refinancing | 259 | $53,515,000 | $206,000 | $565,000 | $141,000 | $731,000 |
| Home Improvement | 24 | $2,180,000 | $90,000 | $355,000 | $138,000 | $964,000 |
| Other Purpose | 14 | $2,140,000 | $152,000 | $525,000 | $82,000 | $130,000 |
| 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 | 1,067 | $226,655,000 | $212,000 | $1,365,000 | $129,000 | $1,323,000 |
| Not Provided | 161 | $34,965,000 | $217,000 | $1,005,000 | $201,000 | $7,036,000 |
| Hispanic | 55 | $9,385,000 | $170,000 | $435,000 | $99,000 | $327,000 |
| Asian | 37 | $6,645,000 | $179,000 | $485,000 | $111,000 | $487,000 |
| Black or African American | 25 | $4,965,000 | $198,000 | $515,000 | $128,000 | $387,000 |
| American Indian or Alaskan Native | 23 | $3,845,000 | $167,000 | $265,000 | $262,000 | $731,000 |
| Not applicable | 22 | $5,500,000 | $250,000 | $1,145,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $105,000 | $122,000 | $144,000 |
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) | 1,277 | $270,905,000 | $212,000 | $1,365,000 | $143,000 | $7,036,000 |
| VA-guaranteed (Veterans Administration) | 71 | $15,225,000 | $214,000 | $515,000 | $90,000 | $245,000 |
| FHA-insured (Federal Housing Administration) | 44 | $6,030,000 | $137,000 | $275,000 | $70,000 | $132,000 |
| 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 | 1,171 | $244,175,000 | $208,000 | $1,305,000 | $139,000 | $7,036,000 |
| Application Withdrawn By Applicant | 101 | $24,065,000 | $238,000 | $1,365,000 | $130,000 | $466,000 |
| Application Denied By Financial Institution | 92 | $18,650,000 | $202,000 | $1,005,000 | $139,000 | $2,100,000 |
| Application Approved But Not Accepted | 16 | $3,120,000 | $195,000 | $465,000 | $110,000 | $248,000 |
| File Closed For Incompleteness | 12 | $2,150,000 | $179,000 | $405,000 | $136,000 | $308,000 |
| 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 | 1,300 | $273,510,000 | $210,000 | $1,365,000 | $138,000 | $7,036,000 |
| Debt-To-Income Ratio | 32 | $5,460,000 | $170,000 | $525,000 | $59,000 | $126,000 |
| Other | 22 | $5,970,000 | $271,000 | $1,005,000 | $271,000 | $2,100,000 |
| Credit History | 19 | $2,875,000 | $151,000 | $455,000 | $112,000 | $558,000 |
| Unverifiable Information | 7 | $1,795,000 | $256,000 | $515,000 | $193,000 | $464,000 |
| Collateral | 6 | $1,710,000 | $285,000 | $405,000 | $210,000 | $356,000 |
| Employment History | 5 | $795,000 | $159,000 | $285,000 | $55,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2020 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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