American Bancshares Mortgage in Texas vs the state
16.7%Denial rate-2.76 pts vs state
33.3%Decision denial rate+8.43 pts vs state
33.3%Origination rate-21.55 pts vs state
7.13%Median rate+0.63 pts vs state
1.20Rate spread (pts)+1.01 pts vs state
$138kMedian applicant income
2Loans originated
1Denied
What American Bancshares Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Bancshares Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Liberty County | 5 | 1 | 1 | 20.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Bancshares Mortgage originated in Texas in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are American Bancshares Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology