American National Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, American National Bank & Trust of Wichita Falls, TX reported 605 mortgage applications totaling $65.9 million, down 31% from 2004. The average application was for $108,887, and applicants reported an average income of $76,462. 74% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Wichita Falls, TX (478), Dallas-Plano-Irving, TX (11) and Fort Worth-Arlington, TX (5) (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 | 605 |
| Total Mortgage Loan Application Amount | $65,877,000 |
| Average Mortgage Loan Application Amount | $108,887 |
| Highest Mortgage Loan Application Amount | $652,000 |
| Average Applicant Income | $76,462 |
| Highest Applicant Income | $960,000 |
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records American National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for American National Bank & Trust in 2005
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 | 503 | $54,291,000 | $101,500 | $652,000 | $56,000 | $300,000 |
| Refinancing | 87 | $11,289,000 | $129,000 | $453,000 | $144,000 | $960,000 |
| Home Improvement | 15 | $297,000 | $19,000 | $42,000 | $62,000 | $266,000 |
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 | 519 | $56,659,000 | $105,000 | $480,000 | $68,500 | $960,000 |
| Hispanic | 41 | $3,671,000 | $74,500 | $275,000 | $59,500 | $459,000 |
| Black or African American | 20 | $2,068,000 | $94,500 | $201,000 | $48,000 | $126,000 |
| Not Provided | 13 | $1,166,000 | $88,000 | $143,000 | $49,000 | $72,000 |
| Not applicable | 6 | $1,590,000 | $265,000 | $652,000 | $0 | $0 |
| Asian | 6 | $723,000 | $83,500 | $266,000 | $68,000 | $225,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 324 | $37,048,000 | $121,000 | $652,000 | $78,500 | $960,000 |
| VA-guaranteed (Veterans Administration) | 148 | $18,671,000 | $121,000 | $266,000 | $61,000 | $258,000 |
| FHA-insured (Federal Housing Administration) | 131 | $9,967,000 | $73,000 | $175,000 | $37,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $191,000 | $95,000 | $130,000 | $46,000 | $65,000 |
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 | 449 | $50,343,000 | $112,000 | $652,000 | $97,000 | $960,000 |
| Preapproval Denied by Financial Institution | 45 | $2,845,000 | $63,000 | $152,000 | $37,000 | $85,000 |
| Preapproval Approved but not Accepted | 41 | $5,131,000 | $125,000 | $480,000 | $50,000 | $240,000 |
| Application Withdrawn By Applicant | 32 | $4,162,000 | $130,000 | $453,000 | $85,000 | $230,000 |
| Application Denied By Financial Institution | 25 | $1,785,000 | $71,000 | $240,000 | $57,000 | $459,000 |
| Application Approved But Not Accepted | 13 | $1,611,000 | $123,000 | $310,000 | $81,000 | $211,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 History | 47 | $2,833,000 | $53,500 | $152,000 | $38,000 | $104,000 |
| Debt-To-Income Ratio | 10 | $865,000 | $86,000 | $169,000 | $29,500 | $73,000 |
| Employment History | 5 | $367,000 | $64,500 | $127,000 | $22,500 | $34,000 |
| Credit Application Incomplete | 4 | $408,000 | $85,000 | $240,000 | $110,000 | $459,000 |
| Collateral | 3 | $76,000 | $25,000 | $39,000 | $41,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $81,000 | $81,000 | $81,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2005 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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