

Kristen Ripple - American National Bank & Tru...
SVP- Mortgage Loan Officer || NMLS# 782200

Kristen, a Mortgage Loan Officer at our Decatur office, has been in banking since 2008, specializing in residential real estate since 2010. She focuses on land, construction, home improvement, bridge, and purchase plus loans, particularly e...... Show More
Location & Business Hours
Friday
9:00 AM to 4:00 PM
Saturday
24h
Sunday
24h
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Reviews from Web
Berry helpful and great communication
Reply from Kristen Ripple - American National ...
May 18th, 2026 06:11 PM
Ruben, I'm grateful for your kind words and pleased to hear that you found my communication helpful. It's always my goal to provide the best support possible. Thank you for choosing American National Bank & Trust!
Kristen was very knowledgeable and made the whole loan experience easy. We are very excited to work with her during our building process.
Reply from Kristen Ripple - American National ...
May 18th, 2026 06:11 PM
I'm so pleased to hear that you found the loan experience easy with my help. I'm here to assist you every step of the way during the building process. Thank you for your kind words!
Great service and great customer service
Reply from Kristen Ripple - American National ...
April 27th, 2026 05:07 PM
Pelagio, I'm happy to hear that you enjoyed the service and customer support at American National Bank & Trust. Your feedback is greatly appreciated!
Made the whole process easy.
Reply from Kristen Ripple - American National ...
April 14th, 2026 05:34 PM
I'm glad to hear that the process was easy for you. Thank you for your kind words and for choosing American National Bank & Trust.
Great experience from start to finish. Kristen and her team was responsive, helpful, and made the construction loan process easy. Highly recommend.
Reply from Kristen Ripple - American National ...
April 14th, 2026 05:33 PM
John, I'm so glad to hear that you had a great experience with the construction loan process. It's appreciated to know that you found our team responsive and helpful. Your recommendation means a lot to me. Thank you!
Kristen and her team were a delight to work with. Very responsive and attentive to all of our questions and concerns and explained the process clearly. In addition to offering different options for our loan. Best and easiest loan experience...
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Reply from Kristen Ripple - American National ...
April 14th, 2026 05:33 PM
Stefanie, I'm so glad to hear that you had a great experience with me and my team. It's appreciated to know that you found the loan process straightforward and that we were able to address your questions and concerns. Thank you for your kind...
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Very easy and clear explanation on process and execution
perfection
Reply from Kristen Ripple - American National ...
March 31st, 2026 03:10 PM
I'm glad to hear that you found the explanation clear and easy to follow. It's important to me that the process feels straightforward. If you have any other questions or need assistance in the future, please feel free to reach out.
Kristen and her team made the process very easy. excited for this next cgaoter chapter in our lives. thank You!
Reply from Kristen Ripple - American National ...
March 31st, 2026 03:10 PM
I'm glad to hear that the process was smooth for you. It was my pleasure to assist you during this significant time. Thank you for your kind words!
I knew what was needed every step of the way. Communication was great and questions were answered quickly.
Reply from Kristen Ripple - American National ...
March 27th, 2026 03:04 PM
It's great to hear that you felt well-informed throughout the process. I'm glad I could provide clear communication and prompt responses to your questions. If there's anything else you need or if more questions arise, please feel free to reach...
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Kristen went above and beyond to work with us on making sure our 2 construction loans were approved I would recommend her to anyone in need of a loan.
Reply from Kristen Ripple - American National ...
March 9th, 2026 06:00 PM
I appreciate your kind words, Tracie. It was a pleasure to work with you on your construction loans. Thank you for your recommendation. If you need anything else or have further questions, please feel free to reach out.
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About
Kristen, a Mortgage Loan Officer at our Decatur office, has been in banking since 2008, specializing in residential real estate since 2010. She focuses on land, construction, home improvement, bridge, and purchase plus loans, particularly enjoying the journey with borrowers from purchasing land to their completed home. Kristen integrates her family values into her work culture, valuing relationships over transactions to help make her clients’ dreams a reality. Married to Justin since 2007, they have three daughters: Brynlee (golf), Brileigh (competitive dance), and Blakeley (tennis). When not at work, she’s often supporting their activities. Kristen looks forward to building a relationship with you and helping with your mortgage needs.
Products & Services
Mortgage Loan Officer
Jumbo Home Loan
Specialities
Construction Lending-Land Purchases
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Positions
- First State Bank - Vice PresidentSep 1st, 2008 - Jun 1st, 2022
Addresses and Serving Areas
Year Started
2008
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 782200
Achievements
- Texas Tech School of Banking 2016 Graduate
- Texas Bankers Association Lending School 2021 Graduate
- Decatur Leadership Class of 2024