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AMERICAN MOMENTUM BANK

COLLEGE STATION, TX

AMERICAN MOMENTUM BANK processed 472 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 295 loans with a 15.0% denial rate. Home Purchase was the primary loan purpose. Based in COLLEGE STATION, TX. The approval rate of 62.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. AMERICAN MOMENTUM BANK processed 472 HMDA-reported mortgage applications in 2024, originating 295 loans and denying 71 for a denial rate of 15.0% (applicants themselves withdrew 88 files before a decision). The average loan amount was $568,538. The lender reports under LEI 549300IJB00VM6H8PP97 from COLLEGE STATION, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AMERICAN MOMENTUM BANK's 62.5% origination rate tells you how often an application turned into funded money; the 15.0% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (434 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

472
Applications
295
Originated
15.0%
Denial Rate
$568,538
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 434 269 70 $589,032
FHA 28 19 0 $304,286
VA 10 7 1 $419,000

Top loan types — AMERICAN MOMENTUM BANK

Top loan types — AMERICAN MOMENTUM BANK Horizontal bar chart of the top 3 items by value (applications). Top loan types — AMERICAN MOMENTUM BANK Top 3 1. Conventional 434 2. FHA 28 3. VA 10 Top 5 loan types by application volume at AMERICAN MOMENTUM BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for AMERICAN MOMENTUM BANK (LEI: 549300IJB00VM6H8PP97) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 406 269 $607,217
Home Improvement 21 8 $149,286
Other 19 7 $425,000
Refinancing 14 6 $482,143
Cash-out Refinancing 12 5 $321,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 339 64.0% 13.3%
Asian 26 53.9% 26.9%
Joint 12 58.3% 16.7%
Black or African American 10 90.0% 10.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 298 68.8% 10.7%
Hispanic or Latino 73 48.0% 24.7%
Joint 21 52.4% 28.6%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare AMERICAN MOMENTUM BANK vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did AMERICAN MOMENTUM BANK process?
AMERICAN MOMENTUM BANK processed 472 mortgage applications in the 2023 HMDA reporting year. Of these, 295 were originated (approved and funded), 88 were withdrawn by the applicant, and 71 were denied.
What is AMERICAN MOMENTUM BANK's mortgage approval rate?
AMERICAN MOMENTUM BANK has an approval (origination) rate of 62.5%, meaning 62.5% of all applications resulted in a funded mortgage. The denial rate is 15.0%.
What is the average loan amount at AMERICAN MOMENTUM BANK?
The average mortgage loan amount at AMERICAN MOMENTUM BANK is $568,538.
What types of mortgage loans does AMERICAN MOMENTUM BANK offer?
AMERICAN MOMENTUM BANK processes Conventional, FHA, VA loans. The most common type is Conventional with 434 applications and an average loan amount of $589,032.
What loan purposes does AMERICAN MOMENTUM BANK serve?
AMERICAN MOMENTUM BANK serves the following loan purposes: Home Purchase (406 applications), Home Improvement (21 applications), Other (19 applications), Refinancing (14 applications), Cash-out Refinancing (12 applications). Home Purchase is the most common purpose.
Where is AMERICAN MOMENTUM BANK located?
AMERICAN MOMENTUM BANK is headquartered in COLLEGE STATION, TX. The lender is identified by LEI 549300IJB00VM6H8PP97 in HMDA data.
How does AMERICAN MOMENTUM BANK compare in lending across racial demographics?
AMERICAN MOMENTUM BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 64.0% and denial rate of 13.3%; Asian applicants have an approval rate of 53.9% and denial rate of 26.9%; Joint applicants have an approval rate of 58.3% and denial rate of 16.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.