American National Bank & Trust
1,039 mortgages originated in 2025 across one state, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,039
- Median rate
- 6.500%
- Median lender fees
- $5,629
- Median loan amount
- $265,000
- Median spread over APOR
- 0.156
- Paid discount points
- 34.1%
- Received lender credits
- 47.5%
- Purchases / refinances
- 77.1% / 15.5%
- Conventional / FHA / VA
- 70.2% / 19.4% / 9.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 90.5% of loans here — see methodology.
Where American National Bank & Trust lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 1,015 | $5,655 | 6.500% |