American Momentum Bank mortgage approval rate & lending review
American Momentum Bank decided 915 mortgage applications and funded 767 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Momentum Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Momentum Bank at a glance
Approval is 1.3 points below the 85.8% 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 | 88% | 587 / 670 | 99% | $385K | 583 |
| Home improvement loans | 48% | 13 / 27 | 100% | $115K | 13 |
| Cash-out refinance | 62% | 16 / 26 | 100% | $305K | 16 |
| Investment property purchase | 84% | 138 / 165 | 99% | $315K | 136 |
American Momentum Bank lending by state
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 Momentum Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brazos County, TX | Mortgage lenders | 95% | 252 | 238 |
| Brazos County, TX | Investment property purchase | 92% | 40 | 36 |
| Midland County, TX | Mortgage lenders | 70% | 37 | 26 |
The county markets where American Momentum Bank made the most loans. Each link opens that market with every lender ranked.
Questions about American Momentum Bank
What is American Momentum Bank's mortgage approval rate?
American Momentum Bank approved 84.5% of the 915 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.3 points below the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan American Momentum Bank offers?
Borrowers accepted 99% of the loans American Momentum Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Momentum Bank make?
The typical home purchase mortgage loan American Momentum Bank made was $385K; across all loan types its typical loan ran from $115K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Momentum Bank lend?
American Momentum Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Florida.
Can I apply to American Momentum Bank directly?
Yes. American Momentum Bank is a bank or credit union with 30 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Momentum Bank'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 Momentum Bank treats applications, then get a rate quote from the lender.