PlainLender

AMERICAN NATIONAL BANK

OMAHA, NE

AMERICAN NATIONAL BANK processed 642 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 451 loans with a 15.1% denial rate. Home Purchase was the primary loan purpose. Based in OMAHA, NE. The approval rate of 70.2% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. AMERICAN NATIONAL BANK processed 642 HMDA-reported mortgage applications in 2024, originating 451 loans and denying 97 for a denial rate of 15.1% (applicants themselves withdrew 88 files before a decision). The average loan amount was $260,389 at a 6.839% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI VEQ70DCTAI4TBBHPYI39 from OMAHA, NE.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AMERICAN NATIONAL BANK's 70.2% origination rate tells you how often an application turned into funded money; the 15.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (586 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

642
Applications
451
Originated
15.1%
Denial Rate
$260,389
Avg Loan Amount
Avg Interest Rate: 6.839% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 586 411 91 $259,676
FHA 37 27 6 $227,973
VA 16 12 0 $387,500
USDA 3 1 0 $121,667

Top loan types — AMERICAN NATIONAL BANK

Top loan types — AMERICAN NATIONAL BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — AMERICAN NATIONAL BANK Top 4 1. Conventional 586 2. FHA 37 3. VA 16 4. USDA 3 Top 5 loan types by application volume at AMERICAN NATIONAL BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for AMERICAN NATIONAL BANK (LEI: VEQ70DCTAI4TBBHPYI39) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
53
Credit history
40
Collateral
12
Other
8
Credit application incomplete
4
Insufficient cash
3
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 345 278 $321,754
Home Improvement 130 78 $103,077
Refinancing 82 55 $388,049
Other 55 29 $95,364
Cash-out Refinancing 30 11 $190,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 473 69.3% 15.2%
Black or African American 30 66.7% 10.0%
Joint 20 70.0% 15.0%
American Indian or Alaska Native 8 50.0% 37.5%
Asian 4 75.0% 25.0%
2 or more minority races 1 0.0% 100.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 459 70.4% 14.2%
Hispanic or Latino 70 58.6% 22.9%
Joint 8 75.0% 25.0%

Nearby Lenders in NE

Other HMDA-reporting lenders in NE with similar activity. Compare any two side-by-side.

FIRST NATIONAL BANK OF OMAHA

OMAHA, NE

7,537 apps 4,818 originated 17.0% denied

West Gate Bank

Lincoln, NE

3,589 apps 2,003 originated 3.0% denied

PINNACLE BANK

LINCOLN, NE

3,058 apps 2,573 originated 5.0% denied

Charter West Bank

West Point, NE

2,250 apps 1,580 originated 7.3% denied

Centris Federal Credit Union

Omaha, NE

2,107 apps 1,318 originated 19.9% denied
Compare AMERICAN NATIONAL BANK vs FIRST NATIONAL BANK OF OMAHA →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did AMERICAN NATIONAL BANK process?
AMERICAN NATIONAL BANK processed 642 mortgage applications in the 2023 HMDA reporting year. Of these, 451 were originated (approved and funded), 88 were withdrawn by the applicant, and 97 were denied.
What is AMERICAN NATIONAL BANK's mortgage approval rate?
AMERICAN NATIONAL BANK has an approval (origination) rate of 70.2%, meaning 70.2% of all applications resulted in a funded mortgage. The denial rate is 15.1%.
What is the average loan amount at AMERICAN NATIONAL BANK?
The average mortgage loan amount at AMERICAN NATIONAL BANK is $260,389. The average interest rate is 6.839%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at AMERICAN NATIONAL BANK?
The most common reasons for mortgage denial at AMERICAN NATIONAL BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 97 applications were denied out of 642 total applications.
What types of mortgage loans does AMERICAN NATIONAL BANK offer?
AMERICAN NATIONAL BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 586 applications and an average loan amount of $259,676.
What loan purposes does AMERICAN NATIONAL BANK serve?
AMERICAN NATIONAL BANK serves the following loan purposes: Home Purchase (345 applications), Home Improvement (130 applications), Refinancing (82 applications), Other (55 applications), Cash-out Refinancing (30 applications). Home Purchase is the most common purpose.
Where is AMERICAN NATIONAL BANK located?
AMERICAN NATIONAL BANK is headquartered in OMAHA, NE. The lender is identified by LEI VEQ70DCTAI4TBBHPYI39 in HMDA data.
How does AMERICAN NATIONAL BANK compare in lending across racial demographics?
AMERICAN NATIONAL BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 69.3% and denial rate of 15.2%; Black or African American applicants have an approval rate of 66.7% and denial rate of 10.0%; Joint applicants have an approval rate of 70.0% and denial rate of 15.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.