LEI 549300YMEOE50UQ6NM87 · WELLSVILLE, MO
American Bank of Freedom
Denial sits in the lower fleet tercile at 1.6% across 183 HMDA applications, fewer outright refusals than the bulk of the corpus.
Denial tercile vs fleet
American Bank of Freedom posts a 1.6% denial rate, below the fleet's lower tercile (~5.61%) - across 183 applications with 174 originations. Leading cited denial reason: debt-to-income ratio. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 95.1%
- Origination share
- 174
- Originated
- 1.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
183 reported applications
Where American Bank of Freedom sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
174 Top 45% higher than 55% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · American Bank of Freedom
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · American Bank of Freedom
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. American Bank of Freedom's 95.1% origination rate and 1.6% denial rate sit on a mid-tercile originated book (174 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Unverifiable information. Program weight concentrates in Conventional (183 applications).
How to read American Bank of Freedom. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · American Bank of Freedom
American Bank of Freedom filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 183 | 174 | 3 | $370,847 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for American Bank of Freedom (LEI: 549300YMEOE50UQ6NM87) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 158 | 153 | $297,785 |
| Refinancing | 25 | 21 | $832,600 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White * | 8 | 62.5% | 12.5% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino * | 8 | 62.5% | 12.5% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in MO
Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.
One of 154 other HMDA-reporting lenders in MO, 5 are shown here.
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Flat Branch Mortgage, INC.
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Das Acquisition Company, LLC
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The Central Trust Bank
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Read with American Bank of Freedom
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For American Bank of Freedom (LEI 549300YMEOE50UQ6NM87), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.