Amoco at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
11th26.0% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.15 ptsProcesswithdrawn + incomplete share, weight 15%
94th0.7%Closing coststotal loan costs ÷ loan amount, weight 10%
27th2.63% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 851 | 568 | 20.2% | 21.1% | 6.13% | $123M |
| 2024 | 753 | 429 | 24.0% | 24.9% | 6.38% | $98M |
| 2025 | 596 | 368 | 25.8% | 26.0% | 6.38% | $90M |
What Amoco 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, 0 manufactured homes, 30 investment properties.
Why Amoco denies applications
Primary reason reported for each of the 154 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Amoco
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 48 | 16 | 60.4% |
| $50k – $100k | 174 | 100 | 31.4% |
| $100k – $150k | 155 | 100 | 19.4% |
| $150k – $250k | 155 | 106 | 21.4% |
| Over $250k | 57 | 40 | 12.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 110 | 85 | 13.6% |
| 35–44 | 147 | 80 | 29.5% |
| 45–54 | 153 | 89 | 32.5% |
| 55–64 | 93 | 61 | 20.7% |
| 65–74 | 61 | 34 | 31.2% |
Where Amoco lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 596 | 368 | 25.8% | 6.38% | #234 |
Frequently asked questions
Amoco denied 26.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
The most common reason Amoco gave in 2025 was "credit history", cited on 45.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Amoco originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was -0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 42% of its applications were for home purchases, 33% for refinancing (including cash-out), and 25% 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.