American National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
78th4.4% deniedPricingmedian rate spread over APOR, weight 30%
69th0.16 ptsProcesswithdrawn + incomplete share, weight 15%
79th10.8%Closing coststotal loan costs ÷ loan amount, weight 10%
58th2.12% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 856 | 690 | 2.2% | 2.5% | 7.00% | $201M |
| 2024 | 1,165 | 949 | 2.2% | 2.4% | 6.88% | $297M |
| 2025 | 1,299 | 1,039 | 3.9% | 4.4% | 6.50% | $352M |
What American National Bank & Trust 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: 0 home-equity lines, 0 reverse mortgages, 19 manufactured homes, 140 investment properties.
Why American National Bank & Trust denies applications
Primary reason reported for each of the 51 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 79 | 57 | 11.3% |
| $50k – $100k | 333 | 268 | 4.8% |
| $100k – $150k | 312 | 254 | 6.3% |
| $150k – $250k | 331 | 262 | 1.4% |
| Over $250k | 216 | 172 | 3.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 77 | 60 | 7.4% |
| 25–34 | 332 | 281 | 3.6% |
| 35–44 | 305 | 242 | 3.3% |
| 45–54 | 248 | 192 | 5.0% |
| 55–64 | 173 | 132 | 5.9% |
| 65–74 | 109 | 87 | 4.3% |
| Over 74 | 38 | 28 | 6.3% |
Where American National Bank & Trust lends
12 states and 99 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
American National Bank & Trust denied 4.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of mid-size mortgage lenders.
The most common reason American National Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 54.9% 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 & Trust originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 75% of its applications were for home purchases, 17% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 69% conventional, 21% FHA, 9% 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.