# The American National Bank of Texas

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

> **📋 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

The American National Bank of Texas is a bank, headquartered in Terrell, TX, serving borrowers across 2 states, with 457 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QFJDBOCX7WKY08
- **Headquarters:** Terrell, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CO, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.140%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,056
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 457
- **Dollar Volume:** $169 million
- **Applications Received:** 699
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $368,895
- **Average Borrower Income:** $171,608

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 432 | +0.139% | $4,016 | Sound ☺️ |
| Jumbo | 67/100 | 25 | +0.274% | $9,730 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 376 loans, Score: 54/100 (Sound)
- Refinance: 56 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 24 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 400 | $155M | +0.010% | Sound ☺️ |
| Refinance | 48/100 | 57 | $14M | +0.689% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 456 | 0.13% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 246 | 79/100 |
| Fort Worth | TX | 130 | 76/100 |
| Non |  | 61 | 47/100 |

## Frequently Asked Questions

### What loan types does The American National Bank of Texas offer?

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

### Where does The American National Bank of Texas offer mortgages?

The American National Bank of Texas offers mortgages in 2 states: CO, TX.

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

The American National Bank of Texas has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.140% above market average.

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

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

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

The American National Bank of Texas has a pull-through score of 52/100 (Sound). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-american-national-bank-of-texas

### How to Cite

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

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