The American National Bank Of Texas Mortgage Rates, Fees & Info
Terrell, TXLEI: 549300QFJDBOCX7WKY08
Tax ID: 75-1747054
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Mortgage Data
Review & Overview
The American National Bank Of Texas is a smaller bank specializing in Home Purchase loans. The American National Bank Of Texas has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Austin, Athens, Sherman, and Durango among others. We have data for 21 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% | 4/28/24 |
| 30 Year Conventional Refi | 5.97% | 4/28/24 |
| 30 Year Cash-out Refi | 6.51% | 4/28/24 |
| 15 Year Conventional Purchase | 6.03% | 4/28/24 |
| 15 Year Conventional Refi | 5.94% | 4/28/24 |
| 15 Year Cash-out Refi | 5.94% | 4/28/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
525Origination Dollar Volume (All Markets)
$187,215,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 402 | $130,740,000 | $325,224 | $7,252 | 5.05% |
| Outside of Metro Areas | 79 | $20,515,000 | $259,684 | $6,124 | 5.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $12,830,000 | $6,415,000 | $7,663 | 4.76% |
| Athens, TX (FHA|USDA|VA) | 16 | $9,390,000 | $586,875 | $10,212 | 4.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $2,990,000 | $747,500 | $16,196 | 4.61% |
| Durango, CO (FHA|USDA|VA) | 1 | $2,745,000 | $2,745,000 | $36,926 | 5.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $1,610,000 | $805,000 | $11,432 | 6.38% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $1,275,000 | $1,275,000 | $0 | 4.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $15,455 | 5.38% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $18,325 | 3.63% |
| Sulphur Springs, TX (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $3,505 | 5.52% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 4.50% |
| TULSA, OK (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $95,557 | 3.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 5.13% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,689 | 4.00% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,679 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 5.21% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,452 | 6.00% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,221 | 5.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,122 | 6.13% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 523 | $187,005,000 | $357,562 | $7,460 | 5.06% |
| HELOC | 2 | $210,000 | $105,000 | n/a | 3.49% |
For 2022, The American National Bank Of Texas's most frequently originated type of loan was Conventional, with 523 originations. Their 2nd most popular type was HELOC, with 2 originations.
Loan Reason
For 2022, The American National Bank Of Texas's most frequently cited loan purpose was Home Purchase, with 278 originations. The 2nd most popular reason was Cash Out Refi, with 112 originations.
Loan Duration/Length
For 2022, The American National Bank Of Texas's most frequently cited loan duration was 30 Year, with 178 originations. The 2nd most popular length was 30+ year, with 123 originations.
Origination Fees/Closing Costs
The American National Bank Of Texas's average total fees were $7,355, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 171 originations.
Interest Rates
During 2022, The American National Bank Of Texas's average interest rate for loans was 5.01%, while their most frequently originated rate bucket for loans was 5-6%, with 143 originations.
Loan Sizing
2022 saw The American National Bank Of Texas place emphasis on $200k-400k loans with 149 originations, totaling $43,265,000 in origination value.
Applicant Income
The American National Bank Of Texas lent most frequently to those with incomes in the $100k-150k range, with 121 originations. The second most popular income band? $150k-250k, with 118 originations.
Applicant Debt to Income Ratio
The American National Bank Of Texas lent most frequently to those with DTI ratios of 20-30%, with 106 originations. The next most common DTI ratio? 30-36%, with 79 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.47%
The American National Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination66.86%
The American National Bank Of Texas has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 525 | $187,215,000 | $356,600 |