American National Bank & Trust in Texas vs the state
3.8%Denial rate-15.63 pts vs state
4.3%Decision denial rate-20.64 pts vs state
80.4%Origination rate+25.55 pts vs state
6.50%Median rate0.00 pts vs state
0.15Rate spread (pts)-0.04 pts vs state
$132kMedian applicant income
1,015Loans originated
48Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 834 | 674 | 2.3% | 7.00% | #180 |
| 2024 | 1,126 | 926 | 2.1% | 6.88% | #152 |
| 2025 | 1,262 | 1,015 | 3.8% | 6.50% | #149 |
What American National Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American National Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wichita County | 323 | 267 | 13 | 4.0% |
| Cooke County | 117 | 92 | 4 | 3.4% |
| Wise County | 114 | 90 | 5 | 4.4% |
| Denton County | 110 | 92 | 1 | 0.9% |
| Tarrant County | 74 | 60 | 5 | 6.8% |
| Grayson County | 73 | 61 | 4 | 5.5% |
| Dallas County | 47 | 32 | 1 | 2.1% |
| Clay County | 43 | 39 | 0 | 0.0% |
| Collin County | 36 | 27 | 4 | 11.1% |
| Parker County | 32 | 26 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,262 applications in 2025, of which 1,015 were originated and 48 denied.
3.8% of all applications, or 4.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American National Bank & Trust originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American National Bank & Trust's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology