Commercial Banking | Anthem Bank & Trust

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Wholesale Mortgage Banking

Offering flexible financial solutions for Residential and Commercial Mortgage Loans.

Wholesale Mortgage

Offering flexible financial solutions for Residential and Commercial Mortgage Loans

Portfolio Residential and Commercial Loan Program

Legal lending limit of over $10,000,000 per borrower

Anthem Bank & Trust, an OCC-chartered community bank with more than 115 years of history, is committed to building long-term relationships through competitive commercial lending.

With full-service branches in Louisiana, Texas, and Florida, and lending capabilities nationwide, Anthem is currently focused on growing its commercial loan portfolio, with an emphasis on Florida, New York, Texas, Louisiana, and Colorado.

Our legal lending limit of over $10 million per borrower allows us to provide flexible financing solutions and be a trusted long-term banking partner.

Anthem Bank & Trust Is Actively Pursuing:

Entire state of Florida, Louisiana, and Texas. New York and Colorado considered case by case.
Minimum loan amount of $1,000,000.
Maximum loan amount of $10,000,000.
Up to seven-year fixed rate, 25-year amortization, Prime + margin. Call for margin.
75% LTV for owner occupied and investment properties.
50% LTV for non-recourse to be considered.

Purchase and cash out refinance transactions.
680 minimum credit score.
DSCR 1.30X for owner occupied.
DSCR 1.25X for investment properties.
Commitment fee of 1%.
US and Foreign National guarantors.
LOI within 5 days of loan submission.
Brokers protected.

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Last Updated 8/6/2026