The American National Bank of Texas in Texas vs the state
8.8%Denial rate-10.61 pts vs state
11.5%Decision denial rate-13.37 pts vs state
66.4%Origination rate+11.53 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.10 pts vs state
$118kMedian applicant income
595Loans originated
79Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 851 | 498 | 21.0% | 6.69% | #174 |
| 2024 | 939 | 578 | 19.0% | 6.88% | #176 |
| 2025 | 896 | 595 | 8.8% | 6.50% | #180 |
What The American National Bank of Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The American National Bank of Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 162 | 120 | 5 | 3.1% |
| Kaufman County | 145 | 81 | 14 | 9.7% |
| Dallas County | 126 | 92 | 8 | 6.3% |
| Hunt County | 112 | 78 | 9 | 8.0% |
| Collin County | 67 | 38 | 7 | 10.4% |
| Van Zandt County | 62 | 39 | 11 | 17.7% |
| Rockwall County | 46 | 25 | 10 | 21.7% |
| Ellis County | 19 | 10 | 5 | 26.3% |
| Smith County | 18 | 15 | 0 | 0.0% |
| Johnson County | 17 | 12 | 2 | 11.8% |
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: 896 applications in 2025, of which 595 were originated and 79 denied.
8.8% of all applications, or 11.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans The American National Bank of Texas originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are The American National Bank of Texas'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