What loan types does American National Bank offer?

American National Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does American National Bank offer mortgages?

American National Bank offers mortgages in 5 states: IA, MN, MO, NE, OH.

How competitive are American National Bank's mortgage rates?

American National Bank has an overall pricing score of 44/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American National Bank?

American National Bank is a Bank headquartered in Omaha, NE.

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American National Bank

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American National Bank has 214 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

American National Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+29.7 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

172 loans · 0.30% above market

Sound

Top 60% of lenders

3/5

FHA

26 loans · 0.69% above market

Sound

Top 60% of lenders

3/5

12 loans · 0.24% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

195 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 0.55% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	172	80.4%	+0.296%Above	$1,583Fees
FHA Loans	Strong	Sound	—	Strong	26	12.1%	+0.687%Above	$1,590Fees
VA Loans	Sound	Sound	—	—	12	5.6%	-0.243%Below	$1,934Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume172

Mix80.4%

Spread

+0.296%Above

Fees

$1,583Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume26

Mix12.1%

Spread

+0.687%Above

Fees

$1,590Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix5.6%

Spread

-0.243%Below

Fees

$1,934Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	195	91.1%	+0.270%Above	$1,559Fees
Refinance	Acceptable	Acceptable	—	Acceptable	19	8.9%	+0.553%Above	$2,029Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume195

Mix91.1%

Spread

+0.270%Above

Fees

$1,559Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume19

Mix8.9%

Spread

+0.553%Above

Fees

$2,029Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

214

Applications

280

Volume

$59 million

Pricing & Closing

Avg Rate Spread

+0.297%

vs. market APOR

Avg Net Fees

$1,603

Origination − Credits

Pullthrough Rate

76.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$277,477

Avg Borrower Income

$144,579

Avg Property Value

$359,159

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest5

IAMNMONEOH

Top Metro Areas by Place Specialization Score

Omaha, NE, NE-IAMetro

Volume 184Mix 85.98% of portfolio

84/100

Exceptional

Top States by Place Specialization Score

NebraskaState

Volume 155Mix 72.43% of portfolio

78/100

Strong

IowaState

Volume 53Mix 24.77% of portfolio

60/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.