Applications / Mortgage Analytics / Lenders / Texas / American Bank of Commerce
Wolfforth, TX · State non-member bank · FDIC · $1.7 billion assets · 87 loans in 2025
American Bank of Commerce's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
163
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank of Commerce, a Texas bank, makes government-backed mortgages that similar banks mostly do not, and its lending more than doubled in 2025.
Its loan count rose by 156%, from 34 to 87, faster than almost all similar lenders (state non-member banks making between half and twice as many loans), whose count rose 9%. Its record swings: it made 212 loans in 2022 and 76 in 2023. It filed no report for 2021, a gap rather than a year without lending.
Loans insured by the Federal Housing Administration (FHA) made up 16.1% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) 5.7%. The typical similar bank made none of either. Five years before, all of its loans were conventional.
Its typical loan, $335,000, was about double peers' $175,000, and home purchases made up 72.4% of its loans. Loans in majority-minority areas were 26.4%, against 6.5% at peers, higher than about four in five of them. Borrowers with low and moderate incomes (LMI) took 16.4%, against 27.4%; its larger purchase loans and a footprint across 11 metros may explain the gap.
In Lubbock, TX it ranked 43 of 341 lenders, with 0.3% of the market, up from 0.1%. Texas Tech Federal Credit Union led. It has lent there since 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. American Bank of Commerce took 163 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.4% · Refinance 19.5% · Home improvement 4.6% · Other 3.4%
Conventional 77.0% · FHA 16.1% · VA 5.7% · USDA (RHS or FSA) 1.1% · of 87 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 | 82 | 94.3% |
| Colorado | 2 | 2.3% |
| Kansas | 1 | 1.1% |
| Louisiana | 1 | 1.1% |
| New Mexico | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 33 |
| Lubbock | 20 |
| Fort Worth-Arlington-Grapevine | 12 |
| Austin-Round Rock-San Marcos | 10 |
| Pueblo | 2 |
| Houston-Pasadena-The Woodlands | 1 |
| Kansas City | 1 |
| Killeen-Temple | 1 |
| McAllen-Edinburg-Mission | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006XE7ZLYUW25E11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 215662 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318609 | 1990–2017 |
Established 11 September 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Bank of Commerce's data.
American Bank of Commerce's data
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American Bank of Commerce and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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