Applications / Mortgage Analytics / Lenders / Texas / American Momentum Bank
College Station, TX · State non-member bank · FDIC · $2.8 billion assets · 268 loans in 2025
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268
loans originated, 2025
408
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Momentum Bank makes big home-purchase loans in Texas and Florida, and ranks 8 of 377 lenders in College Station-Bryan, TX.
Its typical loan was $340,000, about double the $175,000 at similar lenders (state non-member banks making between half and twice as many loans), and higher than at more than nine in ten. Jumbo loans (larger than the conforming limit) were 11.6% of its lending, against 1.4%. Purchases made up 88.4% of its 268 loans.
In majority-minority neighborhoods it made 24.2% of its loans, against 6.5% at peers. Its shares to low- and moderate-income (LMI) borrowers, 20.5%, and in LMI neighborhoods, 10.3%, were lower than peers' 28.0% and 17.3%. Large purchase loans and the places it lends could explain that. The borrower share more than doubled from 9.7% in 2024.
Its share of College Station-Bryan, TX fell 0.4 points to 2.8%; it made fewer loans in a growing market, which may explain it. In Naples-Marco Island, FL its share rose 0.2 points to 0.4%. Its 2011 mergers with LandMark Bank of Florida and Southshore Community Bank count in its competition figures.
It made 268 loans, down 9%, while similar lenders' rose 8% and the whole market's 10%. It made 768 in 2020 and between 268 and 313 a year since 2022.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Momentum Bank took 408 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.4% · Refinance 7.8% · Home improvement 2.2% · Other 1.5%
Conventional 96.6% · FHA 2.6% · VA 0.7% · of 268 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 | 158 | 59.0% |
| Florida | 109 | 40.7% |
| New Mexico | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| College Station-Bryan | 99 |
| Cape Coral-Fort Myers | 24 |
| Tampa | 23 |
| Naples-Marco Island | 20 |
| Midland | 18 |
| St. Petersburg-Clearwater-Largo | 17 |
| Orlando-Kissimmee-Sanford | 11 |
| Odessa | 9 |
| Houston-Pasadena-The Woodlands | 7 |
| North Port-Bradenton-Sarasota | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IJB00VM6H8PP97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3447576 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358309 | 2007–2017 |
Established 25 October 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: American Momentum Bank's data.
American Momentum Bank's data
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