Purchase Originations
370
Median Total Costs
$8,516
+27.5% vs national ($6,680)
↑ $250 vs prior year
Median Rate
6.312%
−2.7% vs national (6.490%)
↓ 0.312% vs prior year
Median Origination
$4,827
Median Lender Credits
$500
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 357 | 6.375% | $8,477 | $4,931 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,310 | 6.438% | — | 2 | −$2,206 | |
| 2 | $7,052 | 6.245% | — | 2 | −$1,464 | |
| 3 | $7,491 | 6.500% | — | 34 | −$1,025 | |
| 4 | $7,701 | 5.990% | — | 3 | −$815 | |
| 5 | $7,835 | 6.000% | — | 96 | −$681 | |
| 6 | $8,136 | 6.557% | — | 12 | −$380 | |
| 7 | $8,294 | 6.375% | — | 38 | −$222 | |
| 8 | $8,465 | 5.999% | — | 2 | −$51 | |
| 9 | $8,539 | 5.875% | — | 61 | +$23 | |
| 10 | $9,132 | 6.125% | — | 23 | +$616 | |
| 11 | $9,592 | 6.500% | — | 10 | +$1,076 | |
| 12 | $10,162 | 6.875% | — | 5 | +$1,646 | |
| 13 | $10,493 | 6.624% | — | 6 | +$1,977 | |
| 14 | $10,774 | 6.625% | — | 20 | +$2,258 | |
| 15 | $10,986 | 6.433% | — | 10 | +$2,470 | |
| 16 | $11,882 | 6.375% | — | 5 | +$3,366 | |
| 17 | $11,923 | 6.750% | — | 6 | +$3,407 | |
| 18 | $13,667 | 6.990% | — | 5 | +$5,151 | |
| 19 | $14,211 | 6.750% | — | 16 | +$5,695 | |
| 20 | $14,266 | 6.812% | — | 2 | +$5,750 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The American National Bank of Texas | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $8,516 | $7,127 | +$1,389 (+19.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.