Applications / Mortgage Analytics / Lenders / Texas / American Bank
Waco, TX · National bank · OCC · $625 million assets · 119 loans in 2025
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119
loans originated, 2025
140
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank, of Waco, TX, lends in poorer and majority-minority neighborhoods far more often than similar banks, and ranks 11 of 368 lenders in its home market.
Low- and moderate-income (LMI) neighborhoods took 27.7% of its loans, against 15.1% at similar lenders (national banks making between half and twice as many loans), more than at about four in five of them. Majority-minority neighborhoods took 32.8%, against 7.6%.
Home purchases made up 71.4% of its loans, all conventional. Its typical loan, $235,000, is above peers' $182,500. Jumbo loans (larger than the conforming limit) were 6.9% of its lending, against 2.7%, higher than at about three in four similar lenders.
Its share of Waco, TX, where it has lent since at least 1990, fell 0.3 points to 2.2%; SWBC Mortgage leads there. Its loans rose 2% while the whole market grew 10%. Faster-growing rivals, or the bank choosing which loans to make, are possible reasons. In 2025 it made its first loans in four other metros, each too small to read much into.
It made 119 loans in 2025, against 117 in 2024 and 110 in 2018. Lending peaked at 200 in 2022 and fell to 98 in 2023.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Bank took 140 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.4% · Home improvement 12.6% · Refinance 9.2% · Other 6.7%
Conventional 100.0% · of 119 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 114 | 95.8% |
| Florida | 3 | 2.5% |
| Arkansas | 1 | 0.8% |
| Missouri | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Waco | 98 |
| Dallas-Plano-Irving | 4 |
| Houston-Pasadena-The Woodlands | 2 |
| Killeen-Temple | 2 |
| Brownsville-Harlingen | 1 |
| Cape Coral-Fort Myers | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Kansas City | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006VBLRP288VX853 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 307361 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117319 | 1990–2017 |
Established 11 June 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Bank's data.
American Bank's data
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