American Bancshares Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
70th5.5% deniedPricingmedian rate spread over APOR, weight 30%
23rd0.62 ptsProcesswithdrawn + incomplete share, weight 15%
4th32.4%Closing coststotal loan costs ÷ loan amount, weight 10%
11th3.57% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 674 | 443 | 8.6% | 11.6% | 6.88% | $109M |
| 2024 | 859 | 582 | 6.3% | 8.5% | 6.75% | $154M |
| 2025 | 565 | 359 | 3.7% | 5.5% | 6.88% | $108M |
What American Bancshares Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 66 investment properties.
Why American Bancshares Mortgage denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Bancshares Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 21 | 0.0% |
| $50k – $100k | 212 | 156 | 4.9% |
| $100k – $150k | 156 | 104 | 6.2% |
| $150k – $250k | 87 | 52 | 5.5% |
| Over $250k | 49 | 18 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 23 | 16 | 5.9% |
| 25–34 | 149 | 104 | 4.6% |
| 35–44 | 158 | 108 | 4.4% |
| 45–54 | 108 | 60 | 10.1% |
| 55–64 | 77 | 48 | 2.0% |
| 65–74 | 36 | 14 | 6.7% |
Where American Bancshares Mortgage lends
13 states and 58 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 534 | 344 | 3.8% | 6.88% | #237 |
| North Carolina | 6 | 2 | 0.0% | 7.38% | #711 |
| Texas | 6 | 2 | 16.7% | 7.13% | #1,049 |
| Georgia | 5 | 2 | 0.0% | 7.06% | #767 |
Frequently asked questions
American Bancshares Mortgage denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 70th percentile of small mortgage lenders.
The most common reason American Bancshares Mortgage gave in 2025 was "collateral", cited on 38.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Bancshares Mortgage originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 87% of its applications were for home purchases, 13% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 70% conventional, 26% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.