Applications / Mortgage Analytics / Lenders / California / American Continental Bank
City Of Industry, CA · State non-member bank · FDIC · $378 million assets · 44 loans in 2025
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44
loans originated, 2025
51
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Continental Bank, of City of Industry, CA, makes few mortgages, mostly in Washington, but its typical loan of $905,000 is larger than almost all similar banks'.
Its typical loan was $905,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans). Jumbo loans, those larger than the conforming limit, made up 33.3% of its lending, against 1.6% at peers. With 44 loans, fewer than peers' 53, it lent $52.1 million, about four times their $13.2 million.
It made 44 loans, one more than in 2024. Its volume has barely moved for years: 50 in 2019, 49 in 2022. It filed no report for 2018, 2020 and 2021, gaps in the record rather than years without lending.
Half its loans were in majority-minority areas, against 5.6% at peers, higher than about nine in ten of them. Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) were 11.6%, against 18.8%; its large loans and the metros it lends in may explain the gap. On 44 loans, a few loans move these shares.
In Seattle-Tacoma-Bellevue it ranked 177 of 597 lenders; Boeing Employees' Credit Union led. In Los Angeles-Long Beach-Anaheim it ranked 345 of 757, and it has lent there since 2008.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Continental Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.7% · Refinance 47.7% · Other 4.5%
Conventional 100.0% · of 44 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 |
|---|---|---|
| Washington | 27 | 61.4% |
| California | 17 | 38.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Seattle-Bellevue-Kent | 23 |
| Anaheim-Santa Ana-Irvine | 9 |
| Los Angeles-Long Beach-Glendale | 5 |
| Everett | 4 |
| Riverside-San Bernardino-Ontario | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900R4U4WND1HMIZ29 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3216316 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357444 | 2008–2016 |
Established 6 October 2003. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: American Continental Bank's data.
American Continental Bank's data
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