The American National Bank Of Texas Mortgage Rates, Fees & Info

Terrell, TX

LEI: 549300QFJDBOCX7WKY08

Tax ID: 75-1747054

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Mortgage Data

Bank Data

Review & Overview

The American National Bank Of Texas is a smaller bank specializing in Home Purchase and Refi loans. The American National Bank Of Texas has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Key West, Sulphur Springs, Crestview, and College Station among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)

The American National Bank Of Texas has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The American National Bank Of Texas is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.37% 3/28/24
30 Year Conventional Refi 5.97% 3/28/24
30 Year Cash-out Refi 6.51% 3/28/24
15 Year Conventional Purchase 6.03% 3/28/24
15 Year Conventional Refi 5.94% 3/28/24
15 Year Cash-out Refi 5.94% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

The American National Bank Of Texas Mortgage Calculator






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This is not an official calculator from The American National Bank Of Texas. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

484

Origination Dollar Volume (All Markets)

$114,560,000

Employee count

521

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 409 $97,825,000 $239,181 $4,427 5.05%
Outside of Metro Areas 46 $7,280,000 $158,261 $3,053 5.09%
Key West, FL (FHA|USDA|VA) 1 $2,125,000 $2,125,000 $23,727 4.63%
Sulphur Springs, TX (FHA|USDA|VA) 5 $1,325,000 $265,000 $5,395 4.96%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $10,705 4.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $865,000 $865,000 $0 5.05%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $830,000 $207,500 $4,557 5.32%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $595,000 $198,333 $5,641 4.58%
AMARILLO, TX (FHA|USDA|VA) 1 $585,000 $585,000 $11,524 4.75%
Jacksonville, TX (FHA|USDA|VA) 1 $485,000 $485,000 $3,941 4.88%
Athens, TX (FHA|USDA|VA) 2 $470,000 $235,000 $6,470 4.63%
Bonham, TX (FHA|USDA|VA) 3 $465,000 $155,000 $3,458 5.00%
TYLER, TX (FHA|USDA|VA) 3 $345,000 $115,000 $3,891 5.04%
LONGVIEW, TX (FHA|USDA|VA) 3 $245,000 $81,667 $4,072 4.00%
Gainesville, TX (FHA|USDA|VA) 1 $55,000 $55,000 $3,281 4.38%
The American National Bank Of Texas's top markets include Dallas, Key West, Sulphur Springs, Crestview, and College Station among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 484 $114,560,000 $236,694 $4,376 5.04%

    For 2018, The American National Bank Of Texas's most frequently originated type of loan was Conventional, with 484 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 173 $54,005,000 $312,168 $6,767 4.88%
    Cash Out Refi 126 $18,730,000 $148,651 $3,304 5.15%
    Refi 110 $34,450,000 $313,182 $4,353 4.70%
    Other 43 $4,655,000 $108,256 $1,874 5.72%
    Home Improvement 32 $2,720,000 $85,000 $1,048 5.70%

    For 2018, The American National Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 173 originations. The 2nd most popular reason was Cash Out Refi, with 126 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 265 $83,075,000 $313,491 $5,805 4.82%
    15 Year 144 $16,560,000 $115,000 $2,087 5.24%
    10 Year 27 $3,605,000 $133,519 $1,279 5.43%
    5 Year 24 $3,690,000 $153,750 $577 5.70%
    20 Year 17 $4,325,000 $254,412 $5,065 5.07%
    1 Year 3 $435,000 $145,000 $0 5.42%
    Other 3 $1,985,000 $661,667 $12,256 4.52%
    30+ year 1 $885,000 $885,000 $13,474 5.38%

    For 2018, The American National Bank Of Texas's most frequently cited loan duration was 30 Year, with 265 originations. The 2nd most popular length was 15 Year, with 144 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 126 $33,900,000 $269,048
    $<1k 120 $8,440,000 $70,333
    $1k-2k 98 $19,420,000 $198,163
    $3k-4k 63 $15,095,000 $239,603
    $5k+ 25 $22,705,000 $908,200
    $4k-5k 23 $7,835,000 $340,652

    The American National Bank Of Texas's average total fees were $5,805, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 126 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 272 $81,990,000 $301,434
    5-6% 155 $24,575,000 $158,548
    7-8% 20 $980,000 $49,000
    3-4% 19 $4,795,000 $252,368
    6-7% 18 $2,220,000 $123,333

    During 2018, The American National Bank Of Texas's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 4-5%, with 272 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 151 $22,435,000 $148,576 $4,159 4.92%
    $100,000 or less 147 $9,205,000 $62,619 $1,228 5.51%
    $200k-400k 123 $34,325,000 $279,065 $5,664 4.77%
    $400k-600k 32 $14,990,000 $468,438 $7,301 4.85%
    $600k-1MM 17 $12,045,000 $708,529 $7,955 4.73%
    $1MM+ 14 $21,560,000 $1,540,000 $17,709 4.48%

    2018 saw The American National Bank Of Texas place emphasis on $100k-200k loans with 151 originations, totaling $22,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 98 $19,700,000 $201,020 $3,724 5.18%
    $75k-100k 90 $14,410,000 $160,111 $3,533 5.03%
    $50k-75k 74 $9,910,000 $133,919 $3,695 4.88%
    $150k-250k 72 $20,490,000 $284,583 $4,765 4.93%
    $50k or less 57 $5,105,000 $89,561 $2,548 5.06%
    $250k+ 54 $34,800,000 $644,444 $9,495 4.85%

    The American National Bank Of Texas lent most frequently to those with incomes in the $100k-150k range, with 98 originations. The second most popular income band? $75k-100k, with 90 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 110 $18,660,000 $169,636 $3,722 5.01%
    30-36% 83 $19,835,000 $238,976 $3,697 4.98%
    <20% 43 $11,735,000 $272,907 $5,229 5.06%
    41% 20 $5,070,000 $253,500 $4,814 5.17%
    37% 18 $9,080,000 $504,444 $6,924 4.95%
    36% 18 $4,370,000 $242,778 $3,329 5.23%
    39% 17 $2,435,000 $143,235 $3,053 5.12%
    49% 17 $5,035,000 $296,176 $6,558 4.64%
    38% 16 $2,740,000 $171,250 $3,485 4.89%
    43% 16 $4,390,000 $274,375 $5,283 5.03%
    42% 15 $2,745,000 $183,000 $3,942 5.13%
    46% 15 $2,915,000 $194,333 $5,174 4.93%
    40% 14 $2,400,000 $171,429 $3,115 5.27%
    44% 14 $6,840,000 $488,571 $7,328 4.59%
    47% 14 $3,850,000 $275,000 $5,066 4.90%
    45% 12 $2,450,000 $204,167 $5,021 4.86%
    48% 10 $2,220,000 $222,000 $4,750 5.09%
    50-60% 2 $580,000 $290,000 $2,314 4.68%
    >60% 2 $190,000 $95,000 $1,364 4.74%

    The American National Bank Of Texas lent most frequently to those with DTI ratios of 20-30%, with 110 originations. The next most common DTI ratio? 30-36%, with 83 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 404 $92,550,000 $229,084 $4,260 5.01%
    Not provided 29 $8,365,000 $288,448 $4,844 5.00%
    Not applicable 28 $7,020,000 $250,714 $0 5.63%
    Black 10 $3,620,000 $362,000 $6,502 4.67%
    Asian 7 $1,595,000 $227,857 $4,436 4.79%
    American Indian 4 $1,050,000 $262,500 $6,680 4.91%
    Native Hawaiian or Islander 1 $235,000 $235,000 $5,853 4.63%
    Other Asian 1 $125,000 $125,000 $4,969 4.25%

    Approval Rates

    Total approvals of all applications
    78.55%

    The American National Bank Of Texas has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    83.68%

    The American National Bank Of Texas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 484 $114,560,000 $236,694

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $1,165,000 $388,333
    Single Family (1-4 Units):Manufactured 5 $365,000 $73,000
    Single Family (1-4 Units):Site-Built 476 $113,030,000 $237,458

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $7,040,000 $113,548 $1,735 5.31%
    40-60% 80 $16,630,000 $207,875 $4,164 4.87%
    60-80% 186 $57,420,000 $308,710 $5,549 4.91%
    80-100% 115 $31,545,000 $274,304 $5,581 4.81%
    Under 20% 41 $1,925,000 $46,951 $512 6.17%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The American National Bank of Texas 102 West Moore Ave Terrell, TX 75160 Full Service B&M $349,800
    The American National Bank of Texas 1023 W U.S. Highway 175 Crandall, TX 75114 Full Service B&M $59,784
    The American National Bank of Texas 1101 East Plano Parkway Plano, TX 75074 Full Service B&M $68,400
    The American National Bank of Texas 1105 North Goliad Rockwall, TX 75087 Full Service B&M $54,453
    The American National Bank of Texas 123 E Interstate 30 Royse City, TX 75189 Full Service B&M $52,499
    The American National Bank of Texas 1900 West Moore Avenue Terrell, TX 75160 Full Service Retail $12,808
    The American National Bank of Texas 201 North Highway 175 Seagoville, TX 75159 Full Service B&M $78,891
    The American National Bank of Texas 2101 Precinct Line Road Hurst, TX 76054 Full Service B&M $37,077
    The American National Bank of Texas 2500 E Broad Street, Suite 100 Mansfield, TX 76063 Full Service B&M $85,338
    The American National Bank of Texas 2600 Dallas Pkwy Frisco, TX 75034 Full Service B&M $327
    The American National Bank of Texas 2700 South Washington Kaufman, TX 75142 Full Service B&M $187,626
    The American National Bank of Texas 2703 Oak Lawn Dallas, TX 75219 Full Service B&M $169,447
    The American National Bank of Texas 2720 W 7th Street Fort Worth, TX 76107 Full Service B&M $60,109
    The American National Bank of Texas 2851 South Central Expressway Mckinney, TX 75070 Full Service B&M $58,581
    The American National Bank of Texas 2865 Ridge Road Rockwall, TX 75032 Full Service B&M $317,815
    The American National Bank of Texas 301 South Highway 78 Wylie, TX 75098 Full Service B&M $86,692
    The American National Bank of Texas 308 East Renfro, Suite #100 Burleson, TX 76028 Full Service B&M $34,927
    The American National Bank of Texas 340 W. North Commerce Street Wills Point, TX 75169 Full Service B&M $41,347
    The American National Bank of Texas 401 E. Highway 243 Canton, TX 75103 Full Service B&M $79,008
    The American National Bank of Texas 401 Pinson Road Forney, TX 75126 Full Service B&M $116,778
    The American National Bank of Texas 5320 Lakeview Parkway Rowlett, TX 75088 Full Service B&M $43,676
    The American National Bank of Texas 5430 Highway 78 Sachse, TX 75048 Full Service B&M $66,402
    The American National Bank of Texas 5809 Wesley Street Greenville, TX 75402 Full Service B&M $151,876
    The American National Bank of Texas 601 Joe Ramsey Blvd. Greenville, TX 75402 Full Service B&M $17,071
    The American National Bank of Texas 720 South Greenville Avenue Allen, TX 75002 Full Service B&M $212,933
    The American National Bank of Texas 8908 Highway 34 South Quinlan, TX 75474 Full Service B&M $54,721

    For 2018, The American National Bank Of Texas had 26 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $109,948
    Net interest income $103,810
    Total noninterest income $41,991
    Gross Fiduciary activities income $2,023
    Service charges on deposit accounts $9,728
    Trading account gains and fees $0
    Additional Noninterest Income $30,240
    Pre-tax net operating income $48,956
    Securities gains (or losses, -) $-670
    Income before extraordinary items $41,235
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $41,235
    Minority interest net income $0
    Net income $41,235
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $41,804

    The American National Bank Of Texas's gross interest income from loans was $109,948,000.
    The American National Bank Of Texas's net interest income from loans was $103,810,000.
    The American National Bank Of Texas's fee based income from loans was $9,728,000.
    The American National Bank Of Texas's net income from loans was $41,235,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,138
    Provision for credit losses $3,700
    Total noninterest expense $93,145
    Salaries and employee benefits $50,942
    Premises and equipment expense $13,473
    Additional noninterest expense $28,730
    Applicable income taxes $7,051
    Net charge-offs $2,281
    Cash dividends $31,000

    The American National Bank Of Texas's interest expense for loans was $6,138,000.
    The American National Bank Of Texas's payroll and benefits expense were $50,942,000.
    The American National Bank Of Texas's property, plant and equipment expenses $13,473,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 4.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,857,311
    Deposits held in domestic offices $2,857,311
    Deposits by Individuals, partnerships, and corporations $2,281,445
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $573,144
    Deposits by Commercial banks and other depository institutions in U.S. $2,722
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $381,703
    Demand deposits $243,753
    Nontransaction accounts $2,475,608
    Money market deposit accounts (MMDAs) $471,465
    Other savings deposits (excluding MMDAs) $1,756,942
    Total time deposits $247,201
    Total time and savings deposits $2,613,558
    Noninterest-bearing deposits $1,142,727
    Interest-bearing deposits $1,714,584
    Retail deposits $2,754,747
    IRAs and Keogh plan accounts $33,209
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,156,040
    Cash & Balances due from depository institutions $149,753
    Interest-bearing balances $64,793
    Total securities $929,432
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,902,960
    Loan and leases loss allowance $28,582
    Trading account assets $0
    Bank premises and fixed assets $49,956
    Other real estate owned $0
    Goodwill and other intangibles $30,128
    All other assets $93,811

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,156,040
    Total Liabilities $2,879,808
    Total deposits $2,857,311
    Interest-bearing deposits $1,714,584
    Deposits held in domestic offices $2,857,311
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $22,497

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,902,960
    Loan and leases loss allowance $28,582
    Total loans and leases (domestic) $1,931,542
    All real estate loans $1,499,356
    Real estate loans in domestic offices $1,499,356
    Construction and development loans $239,823
    Residential 1-4 family construction $55,588
    Other construction, all land development and other land $184,235
    Loans secured by nonfarm nonresidential properties $792,287
    Nonfarm nonresidential secured by owner-occupied properties $479,303
    Commercial real estate & other non-farm, non-residential $312,984
    Multifamily residential real estate $24,094
    1-4 family residential loans $418,702
    Farmland loans $24,450
    Loans held in foreign offices $0
    Farm loans $6,240
    Commercial and industrial loans $199,997
    To non-U.S. addressees $0
    Loans to individuals $32,124
    Credit card loans $0
    Related Plans $10,767
    Consumer Auto Loans $5,431
    Other loans to individuals $15,926
    All other loans & leases $193,825
    Loans to foreign governments and official institutions $0
    Other loans $11,082
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $4,296
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $10,455
    Non 1-4 family restructured loans & leases $10,247
    Total loans and leases (foreign) $0

    The American National Bank of Texas had $1,902,960,000 of loans outstanding in 2018. $1,499,356,000 of loans were in real estate loans. $239,823,000 of loans were in development loans. $24,094,000 of loans were in multifamily mortgage loans. $418,702,000 of loans were in 1-4 family mortgage loans. $6,240,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,431,000 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 808 $198,341 $245,472
    Nonfarm, nonresidential loans - <$100k 77 $3,229 $41,935
    Nonfarm, nonresidential loans - $100-250k 275 $32,154 $116,924
    Nonfarm, nonresidential loans - $250k-1MM 456 $162,958 $357,364
    Commercial & Industrial, US addressed loans - <$1MM 1,136 $93,909 $82,666
    Commercial & Industrial, US addressed loans - <$100k 657 $15,326 $23,327
    Commercial & Industrial, US addressed loans - $100-250k 257 $21,950 $85,409
    Commercial & Industrial, US addressed loans - $250k-1MM 222 $56,633 $255,104
    Farmland loans - <$1MM 181 $20,383 $112,613
    Farmland loans - <$100k 82 $4,004 $48,829
    Farmland loans - $100-250k 77 $9,912 $128,727
    Farmland loans - $250k-1MM 22 $6,467 $293,955
    Agriculture operations loans - <$1MM 99 $3,049 $30,798
    Agriculture operations loans - <$100k 48 $1,197 $24,938
    Agriculture operations loans - $100-250k 13 $918 $70,615
    Agriculture operations loans - $250k-1MM 38 $934 $24,579