American First National Bank Mortgage Rates, Fees & Info

Houston, TX

LEI: 549300B190GPYLAX3Y92

Tax ID: 76-0555667

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Mortgage Data

Review & Overview

American First National Bank is a smaller bank specializing in Home Purchase and Refi loans. American First National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Los Angeles, New York, Las Vegas, and Dallas among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

American First National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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Originations

51

Origination Dollar Volume (All Markets)

$41,255,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $19,530,000 $813,750 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 6 $12,780,000 $2,130,000 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $2,520,000 $1,260,000 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 6 $1,730,000 $288,333 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,570,000 $392,500 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,035,000 $345,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $945,000 $945,000 $0 0.00%
WACO, TX (FHA|USDA|VA) 2 $450,000 $225,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
American First National Bank's top markets include Houston, Los Angeles, New York, Las Vegas, and Dallas among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 51 $41,255,000 $808,922 $0 0.00%

    For 2023, American First National Bank's most frequently originated type of loan was Conventional, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $29,970,000 $788,684 $0 0.00%
    Refi 12 $11,100,000 $925,000 $0 0.00%
    Other 1 $185,000 $185,000 $0 0.00%

    For 2023, American First National Bank's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 51 $41,255,000 $808,922 $0 0.00%

    For 2023, American First National Bank's most frequently cited loan duration was Other, with 51 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 18 $4,680,000 $260,000 $0 0.00%
    $1MM+ 12 $28,690,000 $2,390,833 $0 0.00%
    $100k-200k 10 $1,620,000 $162,000 $0 0.00%
    $400k-600k 5 $2,605,000 $521,000 $0 0.00%
    $600k-1MM 5 $3,575,000 $715,000 $0 0.00%
    $100,000 or less 1 $85,000 $85,000 $0 0.00%

    2023 saw American First National Bank place emphasis on $200k-400k loans with 18 originations, totaling $4,680,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 8 $3,760,000 $470,000 $0 0.00%
    $100k-150k 3 $605,000 $201,667 $0 0.00%
    $50k-75k 3 $775,000 $258,333 $0 0.00%
    $150k-250k 2 $760,000 $380,000 $0 0.00%
    $75k-100k 2 $190,000 $95,000 $0 0.00%

    American First National Bank lent most frequently to those with incomes in the $250k+ range, with 8 originations. The second most popular income band? $100k-150k, with 3 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 51 $41,255,000 $808,922 $0 0.00%

    American First National Bank lent most frequently to those with DTI ratios of Exempt%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 33 $35,165,000 $1,065,606 $0 0.00%
    Asian 14 $4,720,000 $337,143 $0 0.00%
    White 3 $1,085,000 $361,667 $0 0.00%
    American Indian 1 $285,000 $285,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    American First National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    96.08%

    American First National Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 51 $41,255,000 $808,922

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    51 $41,255,000 $808,922