We analyzed every closed loan from American National Bank & Trust — 700 loans across 862 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Awards
FHA
Champion
Conventional
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
American National Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+11.6 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 452 | 64.6% | +0.165%Above | $1,777Fees | ||||
FHA Loans | 149 | 21.3% | +0.203%Above | $996Fees | ||||
VA Loans | 73 | 10.4% | -0.450%Below | $1,291Fees | ||||
Jumbo Loans | — | 22 | 3.1% | +0.138%Above | $5,497Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume452
Mix64.6%
Spread
+0.165%Above
Fees
$1,777Fees
FHA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume149
Mix21.3%
Spread
+0.203%Above
Fees
$996Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume73
Mix10.4%
Spread
-0.450%Below
Fees
$1,291Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix3.1%
Spread
+0.138%Above
Fees
$5,497Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 629 | 89.9% | +0.107%Above | $1,652Fees | ||||
Refinance | 71 | 10.1% | +0.194%Above | $1,719Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume629
Mix89.9%
Spread
+0.107%Above
Fees
$1,652Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume71
Mix10.1%
Spread
+0.194%Above
Fees
$1,719Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
700
Applications
862
Volume
$244 million
Pricing & Closing
Avg Rate Spread
+0.116%
vs. market APOR
Avg Net Fees
$1,660
Origination − Credits
Pullthrough Rate
81.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$349,771
Avg Borrower Income
$174,603
Avg Property Value
$476,257
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Midwest3
KSMIMO
South4
FLLAOKTX
West2
CONM
Top Metro Areas by Place Specialization Score
Volume 176Mix 25.14% of portfolio
97/100
Exceptional
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 152Mix 21.71% of portfolio
77/100
Strong
Volume 33Mix 4.71% of portfolio
72/100
Strong
Volume 129Mix 18.43% of portfolio
69/100
Strong
Volume 20Mix 2.86% of portfolio
51/100
Sound
Volume 16Mix 2.29% of portfolio
43/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 683Mix 97.57% of portfolio
80/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.