Applications / Mortgage Analytics / Lenders / Texas / American Bank
Corpus Christi, TX · National bank · OCC · $2.5 billion assets · 211 loans in 2025
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211
loans originated, 2025
280
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank, a national bank that has lent in Corpus Christi since at least 1990, does most of its lending in majority-minority areas and makes far more jumbo loans than similar lenders.
Home purchases made up 63.5% of its loans and home improvement 28.9%; refinances were only 6.6%. Almost all of it, 96.2%, was conventional. Its typical loan, $205,000, was near the middle of similar lenders (national banks making between half and twice as many loans).
Majority-minority areas took 57.8% of its loans, against 6.8% at peers, a higher share than at about nineteen in twenty of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 25.5%, against 15.9%, up from 11.2% in 2020. LMI borrowers took 25.4%, close to peers' 25.1%.
Jumbo loans (larger than the conforming limit) were 15.0% of its lending, against 2.0% at peers, a higher share than at about nine in ten of them. The share rose from 11.8% in 2024.
Its loans fell 12% to 211, while similar lenders grew 4%. In Corpus Christi it ranks 7 of 389 lenders with 2.4% of lending, down from 2.9%; DHI Mortgage Company leads. Its own smaller volume, after a rise to 239 loans in 2024, is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 280 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.5% · Home improvement 28.9% · Refinance 6.6% · Other 0.9%
Conventional 96.2% · FHA 3.3% · VA 0.5% · of 211 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 | 209 | 99.1% |
| Tennessee | 1 | 0.5% |
| Utah | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Corpus Christi | 167 |
| San Antonio-New Braunfels | 15 |
| Austin-Round Rock-San Marcos | 14 |
| Houston-Pasadena-The Woodlands | 6 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Victoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BRSSSUNB0U6552 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 807955 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115820 | 1990–2017 |
Established 24 August 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Bank's data.
American Bank's data
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