American Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
62nd2.9% deniedProcesswithdrawn + incomplete share, weight 15%
66th2.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 112 | 98 | 2.7% | 2.7% | — | $24M |
| 2024 | 136 | 117 | 6.6% | 6.7% | — | $36M |
| 2025 | 140 | 119 | 2.9% | 2.9% | — | $46M |
What American Bank 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, 4 manufactured homes, 71 investment properties.
Why American Bank denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 17 | 4.6% |
Where American Bank lends
4 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 135 | 114 | 3.0% | — | #496 |
Frequently asked questions
American Bank denied 2.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 62nd percentile of investment-property lenders.
The most common reason American Bank gave in 2025 was "credit history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 71% of its applications were for home purchases, 11% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.