American National Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, American National Bank & Trust of Wichita Falls, TX reported 979 mortgage applications totaling $234.0 million, down 30% from 2020. The average application was for $239,024, and applicants reported an average income of $132,035. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita Falls, TX (626), Dallas-Plano-Irving, TX (131) and Fort Worth-Arlington, TX (78) (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 | 979 |
| Total Mortgage Loan Application Amount | $234,005,000 |
| Average Mortgage Loan Application Amount | $239,024 |
| Highest Mortgage Loan Application Amount | $6,855,000 |
| Average Applicant Income | $132,035 |
| Highest Applicant Income | $1,309,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 626 | $ 113,010,000 | $ 180,527 | $ 109,000 |
| Dallas-Plano-Irving, TX | 131 | $ 49,425,000 | $ 377,290 | $ 183,000 |
| Outside any metro area | 85 | $ 23,325,000 | $ 274,411 | $ 129,710 |
| Fort Worth-Arlington, TX | 78 | $ 24,850,000 | $ 318,589 | $ 196,000 |
| Lubbock, TX | 14 | $ 3,640,000 | $ 260,000 | $ 270,000 |
| Waco, TX | 14 | $ 3,460,000 | $ 247,142 | $ 100,000 |
| Austin-Round Rock, TX | 7 | $ 2,685,000 | $ 383,571 | $ 277,000 |
| Midland, TX | 4 | $ 1,090,000 | $ 272,500 | $ 233,000 |
| College Station-Bryan, TX | 3 | $ 455,000 | $ 151,666 | $ 326,000 |
| San Antonio-New Braunfels, TX | 3 | $ 385,000 | $ 128,333 | $ 86,000 |
| Abilene, TX | 2 | $ 440,000 | $ 220,000 | $ 112,000 |
| Tyler, TX | 2 | $ 410,000 | $ 205,000 | $ 92,000 |
| Amarillo, TX | 1 | $ 965,000 | $ 965,000 | $ 759,000 |
| Clarksville, TN-KY | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 955,000 | $ 955,000 | $ 407,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 140,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Fort Collins, CO | 1 | $ 375,000 | $ 375,000 | $ 165,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| Odessa, TX | 1 | $ 205,000 | $ 205,000 | $ 236,000 |
| Oklahoma City, OK | 1 | $ 6,855,000 | $ 6,855,000 | $ 0 |
| Santa Fe, NM | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2021
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 | 469 | $116,135,000 | $247,000 | $6,855,000 | $126,000 | $1,309,000 |
| Refinancing | 267 | $60,575,000 | $226,000 | $2,025,000 | $138,000 | $756,000 |
| Cash-out Refinancing | 215 | $54,405,000 | $253,000 | $4,205,000 | $133,000 | $759,000 |
| Home Improvement | 26 | $2,780,000 | $106,000 | $575,000 | $177,000 | $421,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $65,000 | $63,000 | $106,000 |
| 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 | 663 | $143,055,000 | $215,000 | $1,195,000 | $128,000 | $688,000 |
| Not Provided | 178 | $37,990,000 | $213,000 | $965,000 | $168,000 | $1,309,000 |
| Hispanic | 54 | $9,020,000 | $167,000 | $855,000 | $78,000 | $256,000 |
| Not applicable | 33 | $33,735,000 | $1,022,000 | $6,855,000 | $0 | $0 |
| Black or African American | 23 | $5,975,000 | $259,000 | $615,000 | $128,000 | $230,000 |
| Asian | 21 | $3,455,000 | $164,000 | $515,000 | $114,000 | $900,000 |
| American Indian or Alaskan Native | 5 | $575,000 | $115,000 | $155,000 | $81,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $200,000 | $100,000 | $105,000 | $100,000 | $100,000 |
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) | 860 | $208,280,000 | $242,000 | $6,855,000 | $139,000 | $1,309,000 |
| VA-guaranteed (Veterans Administration) | 89 | $21,465,000 | $241,000 | $545,000 | $90,000 | $248,000 |
| FHA-insured (Federal Housing Administration) | 30 | $4,260,000 | $142,000 | $315,000 | $63,000 | $154,000 |
| 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 | 788 | $196,000,000 | $248,000 | $6,855,000 | $138,000 | $1,309,000 |
| Application Withdrawn By Applicant | 92 | $19,190,000 | $208,000 | $955,000 | $115,000 | $407,000 |
| Application Denied By Financial Institution | 74 | $13,930,000 | $188,000 | $585,000 | $95,000 | $416,000 |
| Application Approved But Not Accepted | 21 | $4,475,000 | $213,000 | $855,000 | $126,000 | $281,000 |
| File Closed For Incompleteness | 4 | $410,000 | $102,000 | $205,000 | $100,000 | $190,000 |
| 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 | 905 | $220,075,000 | $243,000 | $6,855,000 | $135,000 | $1,309,000 |
| Debt-To-Income Ratio | 27 | $5,595,000 | $207,000 | $505,000 | $83,000 | $294,000 |
| Credit History | 16 | $2,350,000 | $146,000 | $455,000 | $82,000 | $324,000 |
| Other | 10 | $1,870,000 | $187,000 | $545,000 | $98,000 | $232,000 |
| Unverifiable Information | 9 | $2,195,000 | $243,000 | $585,000 | $172,000 | $416,000 |
| Collateral | 7 | $1,005,000 | $143,000 | $265,000 | $70,000 | $114,000 |
| Credit Application Incomplete | 2 | $350,000 | $175,000 | $225,000 | $80,000 | $118,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 1 | $155,000 | $155,000 | $155,000 | $116,000 | $116,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American National Bank & Trust's 2021 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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