Lenders › American Bank NA › Texas
American Bank NA in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, American Bank NA reported 136 applications and 117 originations for 2024, $36m in all.
Its denial rate in the state was 6.7%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 6.7%.
Applications in the state were up 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | American Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.7% | 26.0% | 6.7% | 24.3% |
| Median rate spread, pp | — | 0.2 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 11.8% | — | 15.6% |
| Average originated loan | $304k | $350k | $304k | $329k |
| Home purchase share | 70.1% | 72.8% | 70.1% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 70% (82)Home improvement 11% (13)Refinancing 4% (5)Cash-out refinancing 10% (12)Other purpose 4% (5)
By type
Conventional 100% (117)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| McLennan County | 123 | 104 | $28m | 7.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did American Bank NA originate in Texas in 2024?
117 loans totalling $36m, from 136 applications reported for properties in Texas.
What is American Bank NA's denial rate in Texas?
6.7% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 6.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does American Bank NA lend in most?
By originations: McLennan County (104).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.