American National Bank - Fox Cities Mortgage Rates, Fees & Info
Appleton, WILEI: 549300B63HUNVIWL5V50
Tax ID: 39-1739126
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Mortgage Data
Bank Data
Review & Overview
American National Bank - Fox Cities is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. American National Bank - Fox Cities has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Green Bay, Minneapolis, and Madison among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)American National Bank - Fox Cities 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
239Origination Dollar Volume (All Markets)
$52,595,000Employee count
34Top 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 |
|---|---|---|---|---|---|
| APPLETON, WI (FHA|USDA|VA) | 131 | $28,145,000 | $214,847 | $0 | 0.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 46 | $8,900,000 | $193,478 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 35 | $8,805,000 | $251,571 | $0 | 0.00% |
| Outside of Metro Areas | 14 | $3,770,000 | $269,286 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 0.00% |
| Shawano, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 239 | $52,595,000 | $220,063 | $0 | 0.00% |
For 2020, American National Bank - Fox Cities's most frequently originated type of loan was Conventional, with 239 originations.
Loan Reason
For 2020, American National Bank - Fox Cities's most frequently cited loan purpose was Refi, with 134 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 239 | $52,595,000 | $220,063 | $0 | 0.00% |
For 2020, American National Bank - Fox Cities's most frequently cited loan duration was Other, with 239 originations.
Loan Sizing
2020 saw American National Bank - Fox Cities place emphasis on $200k-400k loans with 98 originations, totaling $26,440,000 in origination value.
Applicant Income
American National Bank - Fox Cities lent most frequently to those with incomes in the $100k-150k range, with 58 originations. The second most popular income band? $150k-250k, with 51 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 239 | $52,595,000 | $220,063 | $0 | 0.00% |
American National Bank - Fox Cities lent most frequently to those with DTI ratios of Exempt%, with 239 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.82%
American National Bank - Fox Cities has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination94.56%
American National Bank - Fox Cities has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 239 | $52,595,000 | $220,063 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $355,000 | $355,000 |
| Single Family (1-4 Units):Site-Built | 238 | $52,240,000 | $219,496 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICAN FINANCING CORPORATION | Other type of mortgage | Closing on a mortgage | 1 | 11.1% |
| AMERICAN FINANCING CORPORATION | FHA mortgage | Closing on a mortgage | 2 | 22.2% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Closing on a mortgage | 2 | 22.2% |
| AMERICAN FINANCING CORPORATION | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 4 | 44.4% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| American National Bank - Fox Cities | 2200 North Richmond Street Appleton, WI 54911 | Full Service B&M | $273,807 |
For 2020, American National Bank - Fox Cities had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $14,229 |
| Net interest income | $11,235 |
| Total noninterest income | $1,128 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $154 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $974 |
| Pre-tax net operating income | $4,564 |
| Securities gains (or losses, -) | $83 |
| Income before extraordinary items | $4,636 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,636 |
| Minority interest net income | $0 |
| Net income | $4,636 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $4,553 |
American National Bank - Fox Cities's gross interest income from loans was $14,229,000.
American National Bank - Fox Cities's net interest income from loans was $11,235,000.
American National Bank - Fox Cities's fee based income from loans was $154,000.
American National Bank - Fox Cities's net income from loans was $4,636,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,994 |
| Provision for credit losses | $2,000 |
| Total noninterest expense | $5,799 |
| Salaries and employee benefits | $3,337 |
| Premises and equipment expense | $472 |
| Additional noninterest expense | $1,990 |
| Applicable income taxes | $11 |
| Net charge-offs | $1,528 |
| Cash dividends | $2,670 |
American National Bank - Fox Cities's interest expense for loans was $2,994,000.
American National Bank - Fox Cities's payroll and benefits expense were $3,337,000.
American National Bank - Fox Cities's property, plant and equipment expenses $472,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 2.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 7.0% |
| Personal loans | 2.0% |
| Credit card loans | 0.0% |
| Other individual loans | 2.0% |
| Auto loans | 7.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $265,000 |
| Deposits held in domestic offices | $265,000 |
| Deposits by Individuals, partnerships, and corporations | $225,029 |
| Deposits by U.S. Government | $27 |
| Deposits by States and political subdivisions in the U.S. | $15,805 |
| Deposits by Commercial banks and other depository institutions in U.S. | $24,139 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $59,396 |
| Demand deposits | $39,528 |
| Nontransaction accounts | $205,604 |
| Money market deposit accounts (MMDAs) | $86,433 |
| Other savings deposits (excluding MMDAs) | $13,398 |
| Total time deposits | $105,773 |
| Total time and savings deposits | $225,472 |
| Noninterest-bearing deposits | $37,364 |
| Interest-bearing deposits | $227,636 |
| Retail deposits | $186,929 |
| IRAs and Keogh plan accounts | $2,542 |
| Brokered deposits | $68,361 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $332,216 |
| Cash & Balances due from depository institutions | $19,657 |
| Interest-bearing balances | $17,113 |
| Total securities | $61,344 |
| Federal funds sold & reverse repurchase | $921 |
| Net loans and leases | $234,903 |
| Loan and leases loss allowance | $3,062 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,923 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $405 |
| All other assets | $13,063 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $332,216 |
| Total Liabilities | $286,024 |
| Total deposits | $265,000 |
| Interest-bearing deposits | $227,636 |
| Deposits held in domestic offices | $265,000 |
| % insured (estimated) | $66 |
| Federal funds purchased and repurchase agreements | $756 |
| Trading liabilities | $0 |
| Other borrowed funds | $19,000 |
| Subordinated debt | $0 |
| All other liabilities | $1,268 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $234,903 |
| Loan and leases loss allowance | $3,062 |
| Total loans and leases (domestic) | $237,965 |
| All real estate loans | $163,537 |
| Real estate loans in domestic offices | $163,537 |
| Construction and development loans | $9,566 |
| Residential 1-4 family construction | $1,486 |
| Other construction, all land development and other land | $8,080 |
| Loans secured by nonfarm nonresidential properties | $131,143 |
| Nonfarm nonresidential secured by owner-occupied properties | $74,983 |
| Commercial real estate & other non-farm, non-residential | $56,160 |
| Multifamily residential real estate | $3,027 |
| 1-4 family residential loans | $19,459 |
| Farmland loans | $342 |
| Loans held in foreign offices | $0 |
| Farm loans | $837 |
| Commercial and industrial loans | $72,661 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $869 |
| Credit card loans | $0 |
| Related Plans | $1 |
| Consumer Auto Loans | $314 |
| Other loans to individuals | $554 |
| All other loans & leases | $61 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $61 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,261 |
| Non 1-4 family restructured loans & leases | $2,232 |
| Total loans and leases (foreign) | $0 |
American National Bank - Fox Cities had $234,903,000 of loans outstanding in 2020. $163,537,000 of loans were in real estate loans. $9,566,000 of loans were in development loans. $3,027,000 of loans were in multifamily mortgage loans. $19,459,000 of loans were in 1-4 family mortgage loans. $837,000 of loans were in farm loans. $0 of loans were in credit card loans. $314,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 139 | $37,271 | $268,137 |
| Nonfarm, nonresidential loans - <$100k | 21 | $943 | $44,905 |
| Nonfarm, nonresidential loans - $100-250k | 51 | $7,424 | $145,569 |
| Nonfarm, nonresidential loans - $250k-1MM | 67 | $28,904 | $431,403 |
| Commercial & Industrial, US addressed loans - <$1MM | 255 | $24,406 | $95,710 |
| Commercial & Industrial, US addressed loans - <$100k | 132 | $3,610 | $27,348 |
| Commercial & Industrial, US addressed loans - $100-250k | 70 | $7,006 | $100,086 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 53 | $13,790 | $260,189 |
| Farmland loans - <$1MM | 1 | $40 | $40,000 |
| Farmland loans - <$100k | 1 | $40 | $40,000 |
| Agriculture operations loans - <$1MM | 1 | $120 | $120,000 |
| Agriculture operations loans - $100-250k | 1 | $120 | $120,000 |