American National Bank & Trust
American National Bank & Trust received 1,299 applications in 2025 and made 1,039 mortgages, in 99 counties across 12 states. The median rate its borrowers got was 6.500% on a median loan of $265,000. Of 1,159 decisions, 51 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LG8MECYD8F2A55 |
|---|---|
| Applications received | 1,299 |
| Mortgages made | 1,039 |
| Denied | 51 |
| Approved, not taken up | 69 |
| Withdrawn or incomplete | 140 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.156 points |
| FDIC-insured bank | Yes: American National Bank & Trust, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 801 | 6.500% | $285,000 | 2.9% |
| Refinancing | 74 | 6.500% | $295,000 | 11.8% |
| Cash-out refinancing | 87 | 7.125% | $205,000 | 8.1% |
| Other purposes | 77 | 7.875% | $105,000 | 7.9% |
Where American National Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wichita County, TX | 267 | 6.500% | 4.5% |
| Cooke County, TX | 92 | 6.750% | 3.9% |
| Denton County, TX | 92 | 6.750% | 1.0% |
| Wise County, TX | 90 | 6.375% | 4.7% |
| Grayson County, TX | 61 | 6.500% | 5.9% |
| Tarrant County, TX | 60 | 6.313% | 7.4% |
| Clay County, TX | 39 | 6.500% | 0.0% |
| Dallas County, TX | 32 | 6.875% | 2.9% |
| Archer County, TX | 28 | 6.375% | 0.0% |
| Collin County, TX | 27 | 6.875% | 12.5% |
| Parker County, TX | 26 | 6.563% | 0.0% |
| Ellis County, TX | 20 | 6.438% | 0.0% |
| Hunt County, TX | 20 | 6.063% | 0.0% |
| Lubbock County, TX | 17 | 6.625% | 0.0% |
| Wilbarger County, TX | 13 | 6.375% | 18.8% |
| Johnson County, TX | 12 | 6.563% | 11.8% |
| Montague County, TX | 11 | 6.875% | 7.7% |
| Kaufman County, TX | 9 | Under 10 loans | 0.0% |
| Fannin County, TX | 8 | Under 10 loans | 0.0% |
| Hardeman County, TX | 5 | Under 10 loans | 0.0% |
| Harris County, TX | 4 | Under 10 loans | 0.0% |
| Hill County, TX | 4 | Under 10 loans | 0.0% |
| Hood County, TX | 4 | Under 10 loans | 0.0% |
| Lamar County, TX | 4 | Under 10 loans | 0.0% |
| Montgomery County, TX | 4 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 4 | Under 10 loans | 0.0% |
| Rockwall County, TX | 4 | Under 10 loans | 0.0% |
| Crosby County, TX | 3 | Under 10 loans | 0.0% |
| Jack County, TX | 3 | Under 10 loans | 33.3% |
| Taylor County, TX | 3 | Under 10 loans | 0.0% |
| Travis County, TX | 3 | Under 10 loans | 0.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| Carter County, OK | 2 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Brazos County, TX | 2 | Under 10 loans | 0.0% |
| Burnet County, TX | 2 | Under 10 loans | 0.0% |
| Cameron County, TX | 2 | Under 10 loans | 0.0% |
| Eastland County, TX | 2 | Under 10 loans | 0.0% |
| Henderson County, TX | 2 | Under 10 loans | 0.0% |
| Knox County, TX | 2 | Under 10 loans | 0.0% |
| Midland County, TX | 2 | Under 10 loans | 0.0% |
| Navarro County, TX | 2 | Under 10 loans | 0.0% |
| Upshur County, TX | 2 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Weld County, CO | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Bossier Parish, LA | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.