Applications / Mortgage Analytics / Lenders / Texas / The American National Bank of Texas
Terrell, TX · National bank · OCC · $6.9 billion assets · 600 loans in 2025
The American National Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
600
loans originated, 2025
902
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The American National Bank of Texas is a home-purchase lender centred on Dallas-Fort Worth and East Texas that makes far more of its loans in low- and moderate-income and majority-minority areas than similar banks.
Low- and moderate-income (LMI) areas took 25.3% of its loans, against 15.5% at similar lenders (national banks making between half and twice as many loans), more than about nine in ten of them. Majority-minority areas took 34.0%, against 7.7%, and LMI borrowers 32.2%, against 26.0%. All three are far above five years before (13.3%, 8.8% and 12.5%), when it made 1,166 loans.
Home purchase made up 69.0% of its loans and refinance 16.8%. Its typical loan, $285,000, is higher than similar lenders' $190,000, above about four in five of them. Its purchase denial rate, 6.0%, is close to similar lenders' 6.2%.
Originations rose 3% to 600, against 6% for similar lenders and 10% for the whole market, near the middle of the group. It may follow a rise in 2024, from 501 to 580. Dollar volume rose to $222.0 million from $193.1 million as loan sizes grew.
In Tyler its share rose to 0.4% from 0.3%, ranking 54 of 345 lenders, and in Longview to 0.2% from 0.1%. In Dallas-Fort Worth-Arlington it ranks 79 of 1,026. It made its first loans in Tucson, Pensacola and McAllen in 2025, each still a very small share.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The American National Bank of Texas took 902 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.0% · Refinance 16.8% · Other 11.5% · Home improvement 2.7%
Conventional 97.8% · FHA 2.2% · of 600 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 595 | 99.2% |
| Oklahoma | 2 | 0.3% |
| Arizona | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| Florida | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 338 |
| Fort Worth-Arlington-Grapevine | 142 |
| Tyler | 15 |
| Longview | 6 |
| Waco | 4 |
| Houston-Pasadena-The Woodlands | 3 |
| Sherman-Denison | 3 |
| College Station-Bryan | 1 |
| McAllen-Edinburg-Mission | 1 |
| Odessa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QFJDBOCX7WKY08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 599764 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117043 | 1990–2017 |
Established 1 July 1981. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The American National Bank of Texas's data.
The American National Bank of Texas's data
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The American National Bank of Texas and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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