American Southwest mortgage approval rate & lending review
American Southwest decided 252 mortgage applications and funded 196 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Southwest reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Southwest at a glance
Approval is 7.2 points above the 70.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 79% | 158 / 200 | 99% | $65K | 157 |
| Refinance | 59% | 16 / 27 | 100% | $125K | 16 |
American Southwest lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 78% | $65K | 251 | 195 |
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 Southwest lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cochise County, AZ | Cash-out refinance | 82% | 153 | 125 |
| Pima County, AZ | Cash-out refinance | 71% | 41 | 29 |
| Cochise County, AZ | Refinance | 62% | 21 | 13 |
The county markets where American Southwest made the most loans. Each link opens that market with every lender ranked.
Questions about American Southwest
What is American Southwest's mortgage approval rate?
American Southwest approved 78.2% of the 252 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.2 points above the 70.9% national rate for the same mix of loan types.
How often do borrowers take the loan American Southwest offers?
Borrowers accepted 99% of the loans American Southwest approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Southwest make?
The typical cash-out refinance loan American Southwest made was $65K; across all loan types its typical loan ran from $65K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Southwest lend?
American Southwest decided applications in 2 of the states Fat Boy Data covers, most of them in Arizona and Minnesota.
Can I apply to American Southwest directly?
Yes. American Southwest is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Southwest'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 Southwest treats applications, then get a rate quote from the lender.