Amerant Bank National Association Mortgage Rates, Fees & InfoCoral Gables, FL
Tax ID: 59-1846933
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewAmerant Bank National Association is a smaller bank specializing in Home Purchase loans. Amerant Bank National Association has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Miami, Orlando, Dallas, and Tampa among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)
Amerant Bank National Association 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. They typically have relatively high 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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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||3.80%||4/2/23|
|30 Year Conventional Purchase||6.27%||4/2/23|
|30 Year Conventional Refi||6.27%||4/2/23|
|30 Year Cash-out Refi||6.27%||4/2/23|
|30 Year FHA Purchase||6.27%||4/2/23|
|30 Year VA Purchase||6.27%||4/2/23|
|15 Year Conventional Purchase||5.68%||4/2/23|
|15 Year Conventional Refi||5.68%||4/2/23|
|15 Year Cash-out Refi||5.68%||4/2/23|
|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.|
Amerant Bank National Association Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$626,750,000
Amerant Bank National Association's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.64%.
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|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||163||$276,185,000||$1,694,387||$0||5.16%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||564||$214,790,000||$380,833||$0||5.43%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||5||$59,705,000||$11,941,000||$0||5.12%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||2||$43,020,000||$21,510,000||$0||4.43%|
|TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)||4||$27,790,000||$6,947,500||$0||6.49%|
|PORT ST. LUCIE, FL (FHA|USDA|VA)||5||$2,245,000||$449,000||$0||5.70%|
|BOULDER, CO (FHA|USDA|VA)||1||$1,105,000||$1,105,000||$0||7.63%|
|PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA)||1||$1,005,000||$1,005,000||$0||7.00%|
|Key West, FL (FHA|USDA|VA)||3||$905,000||$301,667||$0||4.75%|
We use machine learning to identify the top lenders compared against AMERANT BANK NATIONAL ASSOCIATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Amerant Bank National Association's most frequently originated type of loan was HELOC, with 709 originations. Their 2nd most popular type was Conventional, with 39 originations.
For 2022, Amerant Bank National Association's most frequently cited loan purpose was Home Improvement, with 397 originations. The 2nd most popular reason was Other, with 160 originations.
For 2022, Amerant Bank National Association's most frequently cited loan duration was 30 Year, with 707 originations. The 2nd most popular length was 5 Year, with 16 originations.
During 2022, Amerant Bank National Association's average interest rate for loans was 5.40%, while their most frequently originated rate bucket for loans was 3-4%, with 212 originations.
2022 saw Amerant Bank National Association place emphasis on $100k-200k loans with 241 originations, totaling $34,155,000 in origination value.
Amerant Bank National Association lent most frequently to those with incomes in the $150k-250k range, with 179 originations. The second most popular income band? $250k+, with 173 originations.
Applicant Debt to Income Ratio
Amerant Bank National Association lent most frequently to those with DTI ratios of 20-30%, with 113 originations. The next most common DTI ratio? 30-36%, with 108 originations.
Approval RatesTotal approvals of all applications
Amerant Bank National Association has a below average approval rate.
Pick RateApprovals leading to origination
Amerant Bank National Association has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|AmeriHome Mortgage Company, LLC||Conventional home mortgage||Applying for a mortgage or refinancing an existing mortgage||1||25.0%|
|AmeriHome Mortgage Company, LLC||FHA mortgage||Struggling to pay mortgage||1||25.0%|
|AmeriHome Mortgage Company, LLC||FHA mortgage||Trouble during payment process||1||25.0%|
|AmeriHome Mortgage Company, LLC||VA mortgage||Trouble during payment process||1||25.0%|