Applications / Mortgage Analytics / Lenders / Texas / American National Bank & Trust
Wichita Falls, TX · National bank · OCC · $2.4 billion assets · 1,039 loans in 2025
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1,039
loans originated, 2025
1,299
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American National Bank & Trust is a Texas home-purchase lender that ranked first of 209 lenders in Wichita Falls, TX in 2025, with far more government-backed lending than similar banks.
It ranked 1 of 209 lenders in Wichita Falls, TX, where it has lent since before 1990, and its share rose to 12.3% from 10.8%, ahead of Flat Branch Mortgage. In Sherman-Denison, TX it ranked 13 of 343, with its share up to 1.7% from 1.4%.
Loans insured by the Federal Housing Administration (FHA) were 19.4% of its originations, against 2.2% at similar lenders (national banks making between half and twice as many loans), and loans guaranteed by the Department of Veterans Affairs (VA) 9.5%, against 0.8%; both are higher than about nine in ten peers. Five years before, FHA loans were 3.4%. Home purchases were 77.1% of its loans.
Originations rose 9% to 1,039, against 11% for similar lenders and 10% for the whole market. Its typical loan was $265,000, against $200,000 at peers and $185,000 five years before.
Low- and moderate-income (LMI) borrowers took 17.3% of its loans, among the lowest tenth of peers (27.3%); its larger loans and purchase-heavy mix are possible reasons, which the data here do not test. Its denial rate on home-purchase applications was 2.8%, against 5.6% at peers, and on refinance applications 11.3%, against 14.7%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American National Bank & Trust took 1,299 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.1% · Refinance 15.5% · Home improvement 3.8% · Other 3.6%
Conventional 70.2% · FHA 19.4% · VA 9.5% · USDA (RHS or FSA) 0.9% · of 1,039 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,015 | 97.7% |
| Oklahoma | 9 | 0.9% |
| Colorado | 3 | 0.3% |
| Michigan | 3 | 0.3% |
| Arkansas | 2 | 0.2% |
| Florida | 2 | 0.2% |
| Louisiana | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Montana | 1 | 0.1% |
| Pennsylvania | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita Falls | 334 |
| Dallas-Plano-Irving | 204 |
| Fort Worth-Arlington-Grapevine | 188 |
| Sherman-Denison | 61 |
| Lubbock | 20 |
| Houston-Pasadena-The Woodlands | 9 |
| Austin-Round Rock-San Marcos | 4 |
| Abilene | 3 |
| Midland | 3 |
| Brownsville-Harlingen | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LG8MECYD8F2A55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 498362 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116617 | 1990–2017 |
Established 29 November 1976. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American National Bank & Trust's data.
American National Bank & Trust's data
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American National Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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