American Mortgage Bank, LLC: 2025 mortgage rates, costs & approvals
How American Mortgage Bank, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: American Mortgage Bank, LLC · LEI 254900RFZH9I62FGU045
In 2025, American Mortgage Bank, LLC originated 1,364 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 24 states — 355th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 26 basis points above the national median. Median conventional loan costs were $4,800, 14% lower than the national median ($5,570).
It denied 4.1% of completed home-purchase applications (all lenders: 8.5%).
How American Mortgage Bank, LLC priced home-purchase loans
| Purchase loans, 2025 | American Mortgage Bank, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.39 pts | +0.13 pts |
| Total loan costs · conventional | $4,800 | $5,570 |
| Total loan costs · FHA | $9,710 | $11,310 |
| Total loan costs · VA | $7,970 | $6,490 |
| Origination charges (all types) | $2,620 | $1,860 |
| Borrowers paying discount points | 55.0% | 51.3% |
| Points paid, when paid (% of loan) | 1.01% | 0.87% |
| Borrowers receiving lender credits | 51.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why American Mortgage Bank, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where American Mortgage Bank, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Mississippi | 385 | 412 | 3.7% | 6.625% | $6,300 |
| Texas | 296 | 316 | 1.7% | 6.625% | $7,180 |
| Kansas | 271 | 301 | 4.4% | 6.625% | $3,790 |
| Oklahoma | 187 | 205 | 3.7% | 6.625% | $5,650 |
| Missouri | 99 | 114 | 10.2% | 6.875% | $3,950 |
| Indiana | 53 | 63 | 3.5% | — | — |
| Arkansas | 19 | 32 | 15.4% | — | — |
| Florida | 13 | 13 | — | — | — |
| Washington | 8 | 10 | — | — | — |
| Georgia | 7 | 7 | — | — | — |
| North Carolina | 4 | 5 | — | — | — |
| Nebraska | 3 | 5 | — | — | — |
| Pennsylvania | 3 | 4 | — | — | — |
| Virginia | 3 | 4 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| Utah | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open American Mortgage Bank, LLC's page for that state.
Counties where American Mortgage Bank, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alfalfa County, OK | 1 | 3 | 16.7% |
| Sharkey County, MS | 1 | 1 | 12.5% |
| Briscoe County, TX | 2 | 1 | 12.5% |
| Latimer County, OK | 3 | 4 | 8.3% |
| Yazoo County, MS | 3 | 11 | 8.0% |
| Ellis County, OK | 3 | 1 | 7.1% |
| Le Flore County, OK | 5 | 27 | 6.9% |
| Hinds County, MS | 4 | 104 | 6.7% |
| Copiah County, MS | 3 | 9 | 6.6% |
| Claiborne County, MS | 5 | 1 | 5.9% |
| Kingman County, KS | 3 | 5 | 5.4% |
| Grant County, OK | 4 | 2 | 5.3% |
| Rankin County, MS | 6 | 124 | 5.1% |
| Cherokee County, OK | 6 | 19 | 4.8% |
| Reno County, KS | 6 | 32 | 4.4% |
Check American Mortgage Bank, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900RFZH9I62FGU045.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from American Mortgage Bank, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology