American First National Bank Mortgage Rates, Fees & Info

Houston, TX

LEI: 549300B190GPYLAX3Y92

Tax ID: 76-0555667

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

American First National Bank is a smaller bank specializing in Home Purchase loans. American First National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Los Angeles, El Campo, Austin, and Riverside among others. We have data for 8 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

62

Origination Dollar Volume (All Markets)

$39,330,000

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) 42 $19,390,000 $461,667 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $17,300,000 $1,441,667 $0 0.00%
El Campo, TX (FHA|USDA|VA) 2 $830,000 $415,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $360,000 $180,000 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
American First National Bank's top markets include Houston, Los Angeles, El Campo, Austin, and Riverside among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 62 $39,330,000 $634,355 $0 0.00%

    For 2022, American First National Bank's most frequently originated type of loan was Conventional, with 62 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 53 $33,085,000 $624,245 $0 0.00%
    Refi 8 $6,190,000 $773,750 $0 0.00%
    Home Improvement 1 $55,000 $55,000 $0 0.00%

    For 2022, American First National Bank's most frequently cited loan purpose was Home Purchase, with 53 originations. The 2nd most popular reason was Refi, with 8 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 62 $39,330,000 $634,355 $0 0.00%

    For 2022, American First National Bank's most frequently cited loan duration was Other, with 62 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 29 $7,895,000 $272,241 $0 0.00%
    $1MM+ 11 $22,805,000 $2,073,182 $0 0.00%
    $100k-200k 7 $1,105,000 $157,857 $0 0.00%
    $400k-600k 7 $3,385,000 $483,571 $0 0.00%
    $600k-1MM 5 $3,905,000 $781,000 $0 0.00%
    $100,000 or less 3 $235,000 $78,333 $0 0.00%

    2022 saw American First National Bank place emphasis on $200k-400k loans with 29 originations, totaling $7,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 5 $1,945,000 $389,000 $0 0.00%
    $50k or less 5 $805,000 $161,000 $0 0.00%
    $100k-150k 3 $1,775,000 $591,667 $0 0.00%
    $250k+ 3 $2,315,000 $771,667 $0 0.00%
    $50k-75k 3 $785,000 $261,667 $0 0.00%

    American First National Bank lent most frequently to those with incomes in the $150k-250k range, with 5 originations. The second most popular income band? $50k or less, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 62 $39,330,000 $634,355 $0 0.00%

    American First National Bank lent most frequently to those with DTI ratios of Exempt%, with 62 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 43 $31,705,000 $737,326 $0 0.00%
    Asian 19 $7,625,000 $401,316 $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
    91.94%

    American First National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 62 $39,330,000 $634,355

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    62 $39,330,000 $634,355

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    American Financial Network Inc. FHA mortgage Trouble during payment process 1 100.0%