American Bank of Commerce at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
32nd14.7% deniedProcesswithdrawn + incomplete share, weight 15%
3rd37.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 117 | 76 | 12.0% | 15.6% | 6.75% | $97M |
| 2024 | 63 | 34 | 17.5% | 24.4% | 7.50% | $24M |
| 2025 | 163 | 87 | 9.2% | 14.7% | — | $74M |
What American Bank of Commerce 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, 34 investment properties.
Who gets approved at American Bank of Commerce
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 25 | 11 | 35.3% |
| $100k – $150k | 22 | 14 | 12.5% |
| $150k – $250k | 29 | 22 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 22 | 4.4% |
| 35–44 | 40 | 23 | 11.5% |
| 45–54 | 26 | 13 | 27.8% |
Where American Bank of Commerce lends
24 states and 57 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 126 | 82 | 9.5% | — | #505 |
Frequently asked questions
American Bank of Commerce denied 14.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 32nd percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 39% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 59% conventional, 18% FHA, 21% 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.