Lender in Texas · HMDA 2025
American National Bank & Trust mortgages in Texas
American National Bank & Trust's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
American National Bank & Trust originated 791 owner-occupied single-family loans in Texas from 882 completed applications.
Its median conventional purchase loan costs were $5,120 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
791
of 882 applications
Denial rate
2.7%
Purchase · TX 10.2%
Rate spread
+0.14 pts
Conv. · TX +0.09 pts
Loan amount
$295,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 739 | 674 | 2.7% | 6.625% | +0.14 pts | $5,120 | $295,000 |
| Refinance | 72 | 56 | 12.5% | 6.500% | +0.10 pts | $3,720 | $305,000 |
| Cash-out refinance | 71 | 61 | 9.9% | 7.000% | +0.41 pts | $4,870 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where American National Bank & Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cooke County | 1 | 78 | 14.0% |
| Clay County | 1 | 31 | 20.5% |
| Archer County | 1 | 24 | 15.4% |
| Crosby County | 1 | 3 | 9.7% |
| Wichita County | 2 | 209 | 14.3% |
| Wilbarger County | 2 | 12 | 15.8% |
| Hardeman County | 2 | 4 | 16.0% |
| Wise County | 4 | 75 | 4.4% |
| Montague County | 7 | 9 | 3.5% |
| Jack County | 10 | 2 | 2.1% |
| Crane County | 10 | 1 | 4.3% |
| Grayson County | 11 | 51 | 1.9% |
| Fannin County | 11 | 7 | 1.4% |
| Kinney County | 12 | 1 | 4.3% |
| Knox County | 12 | 1 | 4.8% |
| Floyd County | 13 | 1 | 5.0% |
| Eastland County | 16 | 2 | 1.6% |
| Brewster County | 16 | 1 | 1.7% |
| Martin County | 17 | 1 | 2.2% |
| Haskell County | 20 | 1 | 2.6% |
| Yoakum County | 20 | 1 | 2.0% |
| Mills County | 24 | 1 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology