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American National Bank & Trust: 2025 loan data
American National Bank & Trust's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as American National Bank & Trust
- Home loans closed1,039Loans it funded in 2025
- Approval rate95.6%Of applications it said yes or no to
- Typical loan costs$5,629.38Middle amount, before taxes, prepaids and escrow
- Typical lender fees$900.00Its own charges to make the loan
What it closes
1,039 home loans closed in 2025
Share of its 2025 home loans: 70% Conventional, 19% FHA, 10% VA and 1% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asAmerican National Bank & Trust
- 2025 home loan decisionsOf 1,159 applications decided by American National Bank & Trust in 2025, 1,039 were originated, 69 were approved but not accepted by the borrower, and 51 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 95.6%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 136 applications were withdrawn by the borrower, 4 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.156 percentage points above the average prime offer rate (reported on 940 originations, 99 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,629.38 — originated closed-end household loans, 2025, 940 of 942 loans. FFIEC HMDA data browser.
- Median origination charges$900.00 — originated closed-end household loans, 2025, 940 of 942 loans. FFIEC HMDA data browser.
- Median lender credits$600.00 — originated closed-end household loans, 2025, 494 of 942 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types729 Conventional, 202 FHA, 99 VA, 9 USDA — of 1,039 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for American National Bank & Trust — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.