American Momentum Bank 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%
27th16.5% deniedProcesswithdrawn + incomplete share, weight 15%
16th21.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 467 | 289 | 18.8% | 23.1% | 6.50% | $180M |
| 2024 | 472 | 295 | 15.0% | 19.2% | — | $157M |
| 2025 | 408 | 268 | 13.0% | 16.5% | — | $134M |
What American Momentum 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, 1 manufactured homes, 67 investment properties.
Who gets approved at American Momentum Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 15 | 28.6% |
| $50k – $100k | 79 | 48 | 26.2% |
| $100k – $150k | 64 | 41 | 14.6% |
| $150k – $250k | 81 | 53 | 19.7% |
| Over $250k | 143 | 96 | 7.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 77 | 56 | 8.2% |
| 35–44 | 100 | 68 | 15.0% |
| 45–54 | 87 | 53 | 19.7% |
| 55–64 | 72 | 43 | 20.4% |
| 65–74 | 38 | 24 | 14.3% |
Where American Momentum Bank lends
3 states and 49 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
American Momentum Bank denied 16.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of small mortgage lenders.
In 2025, 84% of its applications were for home purchases, 8% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 97% conventional, 3% FHA, 1% 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.