American Bank, National Association (254900) mortgage approval rate & lending review
American Bank, National Association (254900) decided 316 mortgage applications and funded 280 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Bank, National Association (254900) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Bank, National Association (254900) at a glance
Approval is 14.9 points above the 82.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 98 / 102 | 83% | $315K | 81 |
| Investment property purchase | 100% | 134 / 134 | 96% | $165K | 128 |
American Bank, National Association (254900) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 97% | $165K | 310 | 274 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Bank, National Association (254900) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Investment property purchase | 100% | 117 | 111 |
| McLennan County, TX | Mortgage lenders | 96% | 89 | 70 |
| McLennan County, TX | Home improvement loans | 95% | 21 | 20 |
The county markets where American Bank, National Association (254900) made the most loans. Each link opens that market with every lender ranked.
Questions about American Bank, National Association (254900)
What is American Bank, National Association (254900)'s mortgage approval rate?
American Bank, National Association (254900) approved 97.2% of the 316 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan American Bank, National Association (254900) offers?
Borrowers accepted 91% of the loans American Bank, National Association (254900) approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Bank, National Association (254900) make?
The typical investment property mortgage loan American Bank, National Association (254900) made was $165K; across all loan types its typical loan ran from $165K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Bank, National Association (254900) lend?
American Bank, National Association (254900) decided applications in 5 of the states Fat Boy Data covers, most of them in Texas, Florida and Arkansas.
Can I apply to American Bank, National Association (254900) directly?
Yes. American Bank, National Association (254900) is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Bank, National Association (254900)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Bank, National Association (254900) treats applications, then get a rate quote from the lender.