American National Bank mortgage approval rate & lending review
American National Bank decided 966 mortgage applications and funded 817 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ucbi.com.
American National Bank at a glance
Approval is 7.7 points above the 78.8% 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 | 93% | 406 / 436 | 100% | $225K | 406 |
| Home improvement loans | 76% | 158 / 208 | 94% | $55K | 149 |
| Cash-out refinance | 68% | 17 / 25 | 100% | $125K | 17 |
| Refinance | 84% | 168 / 200 | 98% | $75K | 164 |
| Investment property purchase | 89% | 58 / 65 | 97% | $175K | 56 |
American National Bank lending by state
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 94% | 285 | 267 |
| Sarpy County, NE | Mortgage lenders | 94% | 103 | 97 |
| Douglas County, NE | Home improvement loans | 75% | 112 | 78 |
| Douglas County, NE | Refinance | 78% | 68 | 53 |
| Hennepin County, MN | Refinance | 88% | 50 | 43 |
| Sarpy County, NE | Home improvement loans | 86% | 42 | 33 |
| Douglas County, NE | Investment property purchase | 83% | 36 | 30 |
| Sarpy County, NE | Refinance | 88% | 34 | 29 |
The county markets where American National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about American National Bank
What is American National Bank's mortgage approval rate?
American National Bank approved 86.4% of the 966 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.7 points above the 78.8% national rate for the same mix of loan types.
How often do borrowers take the loan American National Bank offers?
Borrowers accepted 98% of the loans American National Bank 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 make?
The typical home purchase mortgage loan American National Bank made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American National Bank lend?
American National Bank decided applications in 14 of the states Fat Boy Data covers, most of them in Nebraska, Minnesota and Florida.
Can I apply to American National Bank directly?
Yes. American National Bank reports as a direct lender that takes applications from borrowers. Its website is ucbi.com.
Does this page show American National Bank'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 treats applications, then get a rate quote from the lender.