American National Bank - Fox Cities Mortgage Rates, Fees & Info

Appleton, WI

LEI: 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

239

Origination Dollar Volume (All Markets)

$52,595,000

Employee count

34

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
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%
American National Bank - Fox Cities's top markets include Appleton, Oshkosh, Green Bay, Minneapolis, and Madison among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • 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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 134 $29,690,000 $221,567 $0 0.00%
    Cash Out Refi 52 $10,630,000 $204,423 $0 0.00%
    Home Purchase 51 $11,995,000 $235,196 $0 0.00%
    Home Improvement 2 $280,000 $140,000 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 98 $26,440,000 $269,796 $0 0.00%
    $100k-200k 86 $12,910,000 $150,116 $0 0.00%
    $100,000 or less 32 $2,320,000 $72,500 $0 0.00%
    $400k-600k 21 $9,325,000 $444,048 $0 0.00%
    $600k-1MM 2 $1,600,000 $800,000 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 58 $12,820,000 $221,034 $0 0.00%
    $150k-250k 51 $14,495,000 $284,216 $0 0.00%
    $75k-100k 38 $7,580,000 $199,474 $0 0.00%
    $50k-75k 33 $5,425,000 $164,394 $0 0.00%
    $50k or less 31 $3,325,000 $107,258 $0 0.00%
    $250k+ 18 $7,170,000 $398,333 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 224 $49,420,000 $220,625 $0 0.00%
    Not applicable 8 $1,610,000 $201,250 $0 0.00%
    Asian 3 $685,000 $228,333 $0 0.00%
    Not provided 2 $600,000 $300,000 $0 0.00%
    Black 2 $280,000 $140,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.82%

    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 origination
    94.56%

    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