American National Bank & Trust mortgage approval rate & lending review
American National Bank & Trust decided 1,873 mortgage applications and funded 1,720 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American National Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American National Bank & Trust at a glance
Approval is 13.0 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,238 / 1,267 | 95% | $325K | 1,170 |
| Home improvement loans | 93% | 78 / 84 | 91% | $75K | 71 |
| Cash-out refinance | 92% | 121 / 131 | 93% | $215K | 112 |
| Refinance | 96% | 87 / 91 | 92% | $325K | 80 |
| Investment property purchase | 98% | 240 / 244 | 98% | $145K | 235 |
| Investment cash-out refinance | 100% | 25 / 25 | 96% | $165K | 24 |
American National Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 97% | $325K | 1,839 | 1,691 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American National Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wichita County, TX | Mortgage lenders | 98% | 496 | 469 |
| Wichita County, TX | Investment property purchase | 99% | 112 | 110 |
| Grayson County, TX | Mortgage lenders | 94% | 103 | 92 |
| Parker County, TX | Mortgage lenders | 97% | 79 | 70 |
| Wichita County, TX | Cash-out refinance | 87% | 46 | 37 |
| Wichita County, TX | Refinance | 97% | 35 | 33 |
| Lubbock County, TX | Mortgage lenders | 100% | 32 | 31 |
| Wichita County, TX | Home improvement loans | 93% | 30 | 26 |
| Hunt County, TX | Mortgage lenders | 100% | 26 | 23 |
The county markets where American National Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about American National Bank & Trust
What is American National Bank & Trust's mortgage approval rate?
American National Bank & Trust approved 97.1% of the 1,873 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.0 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan American National Bank & Trust offers?
Borrowers accepted 95% of the loans American National Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American National Bank & Trust make?
The typical home purchase mortgage loan American National Bank & Trust made was $325K; across all loan types its typical loan ran from $75K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American National Bank & Trust lend?
American National Bank & Trust decided applications in 15 of the states Fat Boy Data covers, most of them in Texas, Colorado and Arkansas.
Can I apply to American National Bank & Trust directly?
Yes. American National Bank & Trust is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American National Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American National Bank & Trust treats applications, then get a rate quote from the lender.