# American National Bank

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


> **📋 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 is a bank, headquartered in Omaha, NE, serving borrowers across 5 states, with 214 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** VEQ70DCTAI4TBBHPYI39
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** IA, MN, MO, NE, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.297%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,603
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 214
- **Dollar Volume:** $59 million
- **Applications Received:** 280
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $277,477
- **Average Borrower Income:** $144,579
- **Average Property Value:** $359,159

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 172 | +0.296% | $1,583 | Sound ☺️ |
| FHA | 57/100 | 26 | +0.687% | $1,590 | Sound ☺️ |
| VA | 58/100 | 12 | -0.243% | $1,934 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 156 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 25 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 195 | $54M | +0.270% | Sound ☺️ |
| Refinance | 37/100 | 19 | $5M | +0.553% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 155 | 0.72% | 78/100 |
| IA | 53 | 0.15% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 184 | 84/100 |
| Non |  | 22 | 34/100 |

## Where This Lender Ranks

American National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🏆 **#14** in Omaha, NE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#15** in Omaha, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/va-loans)
- 🏆 **#17** in Nebraska for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#19** in Omaha, NE
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders)
- 🏆 **#19** in Nebraska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/va-loans)
- 🏆 **#20** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)

## Frequently Asked Questions

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

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

### Where does American National Bank offer mortgages?

American National Bank offers mortgages in 5 states: IA, MN, MO, NE, OH.

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

American National Bank has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.297% above market average.

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

American National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Omaha, NE.

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

American National Bank has a pull-through score of 68/100 (Strong). 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

### How to Cite

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

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