# American National Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/american-national-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American National Bank & Trust is a bank, headquartered in Wichita Falls, TX, serving borrowers across 9 states, with 700 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LG8MECYD8F2A55
- **Headquarters:** Wichita Falls, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CO, FL, KS, LA, MI, MO, NM, OK, TX
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.116%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,660
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 700
- **Dollar Volume:** $245 million
- **Applications Received:** 862
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $349,771
- **Average Borrower Income:** $174,603
- **Average Property Value:** $476,257

## Safe Rate Awards 🏆

- 💎 **FHA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 452 | +0.165% | $1,777 | Strong 😀 |
| FHA | 75/100 | 149 | +0.203% | $996 | Strong 😀 |
| VA | 74/100 | 73 | -0.450% | $1,291 | Strong 😀 |
| Jumbo | 65/100 | 22 | +0.138% | $5,497 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 384 loans, Score: 73/100 (Strong)
- Refinance: 68 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 148 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 72 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 21 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 629 | $225M | +0.107% | Strong 😀 |
| Refinance | 67/100 | 71 | $20M | +0.194% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 683 | 0.20% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita Falls, TX | TX | 176 | 97/100 |
| Fort Worth | TX | 152 | 77/100 |
| Non |  | 134 | 57/100 |
| Dallas | TX | 129 | 69/100 |
| Sherman | TX | 33 | 72/100 |
| Lubbock, TX | TX | 20 | 51/100 |
| Houston | TX | 16 | 43/100 |

## Where This Lender Ranks

American National Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wichita Falls, TX Banks
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in Wichita Falls, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Wichita Falls, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Wichita Falls, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Wichita Falls, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fort Worth Banks
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks)
- 🥇 **#1** in Sherman
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders)
- 🥇 **#1** in Sherman Banks
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks)
- 🥇 **#1** in Sherman for FHA Loans
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Sherman for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Wichita Falls, TX
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders)
- 🥈 **#2** in Wichita Falls, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Wichita Falls, TX for VA Loans
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Fort Worth for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Sherman for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🥉 **#3** in Fort Worth
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders)
- 🥉 **#3** in Fort Worth for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Lubbock, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does American National Bank & Trust offer?

American National Bank & Trust offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American National Bank & Trust offer mortgages?

American National Bank & Trust offers mortgages in 9 states: CO, FL, KS, LA, MI, MO, NM, OK, TX.

### How competitive are American National Bank & Trust's mortgage rates?

American National Bank & Trust has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.116% above market average.

### What type of lender is American National Bank & Trust?

American National Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wichita Falls, TX.

### What is American National Bank & Trust's loan approval success rate?

American National Bank & Trust has a pull-through score of 87/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-national-bank-trust

### How to Cite

> "American National Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-national-bank-trust

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