The American National Bank of Texas
The American National Bank of Texas received 902 applications in 2025 and made 600 mortgages, in 46 counties across 6 states. The median rate its borrowers got was 6.500% on a median loan of $285,000. Of 690 decisions, 79 were denials — 11.5%, most often for credit history.
| Legal Entity Identifier | 549300QFJDBOCX7WKY08 |
|---|---|
| Applications received | 902 |
| Mortgages made | 600 |
| Denied | 79 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 212 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2965 points |
| FDIC-insured bank | Yes: The American National Bank of Texas, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 414 | 6.375% | $315,000 | 6.1% |
| Refinancing | 49 | 6.375% | $370,000 | 13.3% |
| Cash-out refinancing | 52 | 7.250% | $215,000 | 18.2% |
| Other purposes | 85 | 7.190% | $105,000 | 26.7% |
Where The American National Bank of Texas lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tarrant County, TX | 120 | 6.250% | 4.0% |
| Dallas County, TX | 92 | 6.125% | 8.0% |
| Kaufman County, TX | 81 | 6.750% | 14.4% |
| Hunt County, TX | 78 | 6.875% | 9.9% |
| Van Zandt County, TX | 39 | 6.875% | 22.0% |
| Collin County, TX | 38 | 6.433% | 14.6% |
| Rockwall County, TX | 25 | 7.250% | 27.8% |
| Smith County, TX | 15 | 6.490% | 0.0% |
| Denton County, TX | 14 | 6.557% | 0.0% |
| Johnson County, TX | 12 | 6.438% | 14.3% |
| Ellis County, TX | 10 | 6.438% | 33.3% |
| Hopkins County, TX | 9 | Under 10 loans | 0.0% |
| Parker County, TX | 9 | Under 10 loans | 10.0% |
| Henderson County, TX | 7 | Under 10 loans | 20.0% |
| Wood County, TX | 7 | Under 10 loans | 0.0% |
| Rains County, TX | 5 | Under 10 loans | 28.6% |
| McLennan County, TX | 4 | Under 10 loans | 0.0% |
| Cherokee County, TX | 3 | Under 10 loans | 25.0% |
| Grayson County, TX | 3 | Under 10 loans | 25.0% |
| Gregg County, TX | 3 | Under 10 loans | 0.0% |
| Hood County, TX | 3 | Under 10 loans | 0.0% |
| Galveston County, TX | 2 | Under 10 loans | 0.0% |
| Upshur County, TX | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Johnston County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Cooke County, TX | 1 | Under 10 loans | 0.0% |
| Eastland County, TX | 1 | Under 10 loans | 0.0% |
| Ector County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 0.0% |
| Hill County, TX | 1 | Under 10 loans | 0.0% |
| Lamar County, TX | 1 | Under 10 loans | 0.0% |
| Morris County, TX | 1 | Under 10 loans | 0.0% |
| Navarro County, TX | 1 | Under 10 loans | 0.0% |
| Palo Pinto County, TX | 1 | Under 10 loans | 0.0% |
| Wichita County, TX | 1 | Under 10 loans | 0.0% |
| Wise County, TX | 1 | Under 10 loans | 50.0% |
| Black Hawk County, IA | 0 | Under 10 loans | Not published |
| Bell County, TX | 0 | Under 10 loans | Not published |
| Coryell County, TX | 0 | Under 10 loans | Not published |
| Fannin County, TX | 0 | Under 10 loans | Not published |
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When The American National Bank of Texas’s figures are published for the next year, or restated.
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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.