American Bank in Texas vs the state
13.3%Denial rate-6.12 pts vs state
15.0%Decision denial rate-9.86 pts vs state
75.2%Origination rate+20.30 pts vs state
6.50%Median rate0.00 pts vs state
-0.24Rate spread (pts)-0.43 pts vs state
$106kMedian applicant income
209Loans originated
37Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 213 | 178 | 4.2% | — | #391 |
| 2024 | 315 | 232 | 14.0% | — | #315 |
| 2025 | 278 | 209 | 13.3% | 6.50% | #352 |
What American Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nueces County | 179 | 128 | 28 | 15.6% |
| San Patricio County | 41 | 31 | 5 | 12.2% |
| Aransas County | 8 | 8 | 0 | 0.0% |
| Bexar County | 8 | 7 | 0 | 0.0% |
| Travis County | 6 | 5 | 0 | 0.0% |
| Harris County | 5 | 4 | 0 | 0.0% |
| Hays County | 5 | 5 | 0 | 0.0% |
| Williamson County | 4 | 4 | 0 | 0.0% |
| Comal County | 4 | 3 | 1 | 25.0% |
| Kendall County | 2 | 2 | 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: 278 applications in 2025, of which 209 were originated and 37 denied.
13.3% of all applications, or 15.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans American Bank originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Bank'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