American First National Bank Mortgage Rates, Fees & Info
Houston, TXLEI: 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
51Origination Dollar Volume (All Markets)
$41,255,000Top 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% |
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
2023 saw American First National Bank place emphasis on $200k-400k loans with 18 originations, totaling $4,680,000 in origination value.
Applicant Income
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
Approval Rates
Total approvals of all applications100.00%
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 origination96.08%
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 |