American National Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, American National Bank & Trust of Wichita Falls, TX reported 1,165 mortgage applications totaling $359.6 million, up 36% from 2023. The average application was for $308,690, and applicants reported an average income of $191,821. 81% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Wichita Falls, TX (284), Fort Worth-Arlington, TX (247) and Dallas-Plano-Irving, TX (235) (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 | 1,165 |
| Total Mortgage Loan Application Amount | $359,625,000 |
| Average Mortgage Loan Application Amount | $308,690 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $191,821 |
| Highest Applicant Income | $6,751,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 284 | $ 55,040,000 | $ 193,802 | $ 139,000 |
| Fort Worth-Arlington, TX | 247 | $ 88,265,000 | $ 357,348 | $ 181,000 |
| Dallas-Plano-Irving, TX | 235 | $ 89,845,000 | $ 382,319 | $ 261,000 |
| Outside any metro area | 214 | $ 63,190,000 | $ 295,280 | $ 175,253 |
| Sherman-Denison, TX | 64 | $ 20,930,000 | $ 327,031 | $ 209,000 |
| Lubbock, TX | 29 | $ 7,705,000 | $ 265,689 | $ 220,000 |
| Houston-The Woodlands-Sugar Land, TX | 22 | $ 9,220,000 | $ 419,090 | $ 194,000 |
| Austin-Round Rock, TX | 10 | $ 5,290,000 | $ 529,000 | $ 230,000 |
| College Station-Bryan, TX | 10 | $ 2,670,000 | $ 267,000 | $ 209,000 |
| Midland, TX | 7 | $ 5,395,000 | $ 770,714 | $ 474,000 |
| Abilene, TX | 6 | $ 1,570,000 | $ 261,666 | $ 189,000 |
| El Paso, TX | 4 | $ 870,000 | $ 217,500 | $ 98,000 |
| Waco, TX | 4 | $ 840,000 | $ 210,000 | $ 55,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,005,000 | $ 335,000 | $ 159,000 |
| Oklahoma City, OK | 3 | $ 755,000 | $ 251,666 | $ 73,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,235,000 | $ 411,666 | $ 137,000 |
| Tyler, TX | 3 | $ 845,000 | $ 281,666 | $ 94,000 |
| Boulder, CO | 2 | $ 820,000 | $ 410,000 | $ 722,000 |
| Port St. Lucie, FL | 2 | $ 480,000 | $ 240,000 | $ 288,000 |
| Beaumont-Port Arthur, TX | 1 | $ 315,000 | $ 315,000 | $ 246,000 |
| Bloomington, IL | 1 | $ 345,000 | $ 345,000 | $ 906,000 |
| Colorado Springs, CO | 1 | $ 415,000 | $ 415,000 | $ 223,000 |
| Corpus Christi, TX | 1 | $ 555,000 | $ 555,000 | $ 248,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Fort Smith, AR-OK | 1 | $ 165,000 | $ 165,000 | $ 308,000 |
| Killeen-Temple, TX | 1 | $ 525,000 | $ 525,000 | $ 283,000 |
| Lake Charles, LA | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Lawton, OK | 1 | $ 175,000 | $ 175,000 | $ 902,000 |
| Longview, TX | 1 | $ 195,000 | $ 195,000 | $ 253,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 245,000 | $ 245,000 | $ 218,000 |
| St. Louis, MO-IL | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Wichita, KS | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2024
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 | 898 | $306,390,000 | $341,000 | $2,665,000 | $198,000 | $6,751,000 |
| Other Purpose | 76 | $9,820,000 | $129,000 | $565,000 | $152,000 | $968,000 |
| Cash-out Refinancing | 75 | $18,605,000 | $248,000 | $765,000 | $188,000 | $1,775,000 |
| Home Improvement | 67 | $9,335,000 | $139,000 | $715,000 | $181,000 | $1,056,000 |
| Refinancing | 49 | $15,475,000 | $315,000 | $1,265,000 | $161,000 | $901,000 |
| 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 | 815 | $252,155,000 | $309,000 | $1,975,000 | $196,000 | $6,751,000 |
| Not Provided | 140 | $42,050,000 | $300,000 | $1,015,000 | $230,000 | $2,460,000 |
| Hispanic | 123 | $32,505,000 | $264,000 | $1,495,000 | $128,000 | $1,047,000 |
| Asian | 34 | $12,610,000 | $370,000 | $995,000 | $241,000 | $1,056,000 |
| Black or African American | 28 | $9,270,000 | $331,000 | $805,000 | $147,000 | $311,000 |
| Not applicable | 15 | $8,065,000 | $537,000 | $2,665,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,970,000 | $297,000 | $545,000 | $117,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 889 | $273,495,000 | $307,000 | $2,665,000 | $215,000 | $6,751,000 |
| FHA-insured (Federal Housing Administration) | 184 | $53,270,000 | $289,000 | $575,000 | $112,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 85 | $31,535,000 | $371,000 | $805,000 | $138,000 | $334,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,325,000 | $189,000 | $305,000 | $77,000 | $120,000 |
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 | 949 | $297,405,000 | $313,000 | $2,665,000 | $195,000 | $6,751,000 |
| Application Withdrawn By Applicant | 119 | $32,665,000 | $274,000 | $1,185,000 | $199,000 | $1,775,000 |
| Application Approved But Not Accepted | 57 | $18,565,000 | $325,000 | $1,005,000 | $163,000 | $470,000 |
| Application Denied By Financial Institution | 25 | $5,875,000 | $235,000 | $615,000 | $120,000 | $481,000 |
| File Closed For Incompleteness | 15 | $5,115,000 | $341,000 | $755,000 | $165,000 | $396,000 |
| 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 | 1,140 | $353,750,000 | $310,000 | $2,665,000 | $194,000 | $6,751,000 |
| Debt-To-Income Ratio | 12 | $3,460,000 | $288,000 | $615,000 | $92,000 | $225,000 |
| Collateral | 5 | $1,005,000 | $201,000 | $325,000 | $137,000 | $218,000 |
| Other | 3 | $565,000 | $188,000 | $215,000 | $154,000 | $325,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $165,000 | $275,000 | $481,000 |
| Credit History | 2 | $470,000 | $235,000 | $375,000 | $93,000 | $128,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
| 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 2024 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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