Lender profile · HMDA 2023–2025
American National Bank & Trust mortgage approval rates & lending data
American National Bank & Trust decided 1,873 mortgage applications and funded 1,720 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Colorado | 100% | $415K | 6 | 5 |
| Arkansas | 100% | $315K | 5 | 4 |
| Florida | 100% | $335K | 5 | 4 |
| Oklahoma | 100% | $95K | 4 | 4 |
| Alabama | 50% | $315K | 2 | 1 |
| Louisiana | 100% | $105K | 2 | 2 |
| Michigan | 100% | $75K | 2 | 2 |
| Montana | 100% | $805K | 2 | 1 |
| Kansas | 100% | $285K | 1 | 1 |
| Missouri | 100% | $325K | 1 | 1 |
| New Mexico | 100% | $775K | 1 | 1 |
| Pennsylvania | 100% | $295K | 1 | 1 |
| Tennessee | 100% | $605K | 1 | 1 |
| Virginia | 100% | $375K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.