American Bank of Commerce in Texas vs the state
9.5%Denial rate-9.91 pts vs state
12.8%Decision denial rate-12.13 pts vs state
65.1%Origination rate+10.20 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
82Loans originated
12Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 73 | 10.7% | 6.75% | #531 |
| 2024 | 46 | 29 | 15.2% | 7.50% | #703 |
| 2025 | 126 | 82 | 9.5% | — | #505 |
What American Bank of Commerce lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most American Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 38 | 19 | 7 | 18.4% |
| Dallas County | 17 | 14 | 1 | 5.9% |
| Collin County | 15 | 11 | 1 | 6.7% |
| Travis County | 8 | 5 | 0 | 0.0% |
| Tarrant County | 7 | 6 | 0 | 0.0% |
| Johnson County | 6 | 2 | 0 | 0.0% |
| Denton County | 6 | 5 | 0 | 0.0% |
| Parker County | 4 | 4 | 0 | 0.0% |
| Hays County | 3 | 3 | 0 | 0.0% |
| Harris County | 3 | 1 | 1 | 33.3% |
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: 126 applications in 2025, of which 82 were originated and 12 denied.
9.5% of all applications, or 12.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are American Bank of Commerce'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