The American National Bank Of Texas Mortgage Rates, Fees & Info
Terrell, TXLEI: 549300QFJDBOCX7WKY08
Tax ID: 75-1747054
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.37% | 12/16/24 |
| 30 Year Conventional Refi | 5.97% | 12/16/24 |
| 30 Year Cash-out Refi | 6.51% | 12/16/24 |
| 15 Year Conventional Purchase | 6.03% | 12/16/24 |
| 15 Year Conventional Refi | 5.94% | 12/16/24 |
| 15 Year Cash-out Refi | 5.94% | 12/16/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
484Origination Dollar Volume (All Markets)
$114,560,000Employee count
521Top 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% |
Similar Lenders
We use machine learning to identify the top lenders compared against The American National Bank of Texas based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications78.55%
The American National Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination83.68%
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
LTV Distribution
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 |