American National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
57th8.2% deniedPricingmedian rate spread over APOR, weight 30%
37th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
50th11.5%Closing coststotal loan costs ÷ loan amount, weight 10%
54th1.81% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 621 | 445 | 19.0% | 20.8% | 7.75% | $184M |
| 2024 | 642 | 451 | 15.1% | 17.5% | 7.38% | $99M |
| 2025 | 688 | 542 | 7.3% | 8.2% | 6.99% | $138M |
What American National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 189 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 48 investment properties.
Why American National Bank denies applications
Primary reason reported for each of the 50 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 78 | 54 | 17.4% |
| $50k – $100k | 251 | 192 | 9.3% |
| $100k – $150k | 125 | 101 | 5.5% |
| $150k – $250k | 106 | 85 | 4.4% |
| Over $250k | 94 | 84 | 5.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 44 | 33 | 5.7% |
| 25–34 | 114 | 90 | 9.0% |
| 35–44 | 170 | 129 | 7.0% |
| 45–54 | 126 | 101 | 7.9% |
| 55–64 | 106 | 80 | 13.7% |
| 65–74 | 67 | 60 | 4.6% |
| Over 74 | 42 | 33 | 7.7% |
Where American National Bank lends
13 states and 58 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
American National Bank denied 8.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
The most common reason American National Bank gave in 2025 was "debt-to-income ratio", cited on 34.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American National Bank originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 56% of its applications were for home purchases, 21% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 90% conventional, 8% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.