American Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, American Bank & Trust of Sioux Falls, SD reported 663 mortgage applications totaling $211.6 million, up 6% from 2024. The average application was for $319,132, and applicants reported an average income of $142,749. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Sioux Falls, SD (183), Sioux City, IA-NE-SD (8) and Rapid City, SD (5) (applications in parentheses).
| Mortgage Company & Address | American Bank & Trust 120 E Main Street Sioux Falls, SD 57108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 663 |
| Total Mortgage Loan Application Amount | $211,585,000 |
| Average Mortgage Loan Application Amount | $319,132 |
| Highest Mortgage Loan Application Amount | $20,505,000 |
| Average Applicant Income | $142,749 |
| Highest Applicant Income | $4,618,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for American Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 495 | $169,915,000 | $343,000 | $20,505,000 | $144,000 | $4,618,000 |
| Refinancing | 76 | $25,920,000 | $341,000 | $2,865,000 | $183,000 | $1,026,000 |
| Cash-out Refinancing | 41 | $9,435,000 | $230,000 | $625,000 | $104,000 | $312,000 |
| Other Purpose | 26 | $3,040,000 | $116,000 | $525,000 | $91,000 | $418,000 |
| Home Improvement | 25 | $3,275,000 | $131,000 | $765,000 | $113,000 | $333,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 512 | $127,200,000 | $248,000 | $1,545,000 | $131,000 | $4,618,000 |
| Not applicable | 78 | $59,950,000 | $768,000 | $20,505,000 | $0 | $0 |
| Hispanic | 27 | $4,755,000 | $176,000 | $355,000 | $94,000 | $267,000 |
| Not Provided | 25 | $6,945,000 | $277,000 | $1,465,000 | $159,000 | $562,000 |
| Asian | 9 | $5,405,000 | $600,000 | $1,155,000 | $455,000 | $1,026,000 |
| Black or African American | 7 | $1,615,000 | $230,000 | $485,000 | $104,000 | $172,000 |
| American Indian or Alaskan Native | 5 | $5,715,000 | $1,143,000 | $4,985,000 | $814,000 | $3,510,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 526 | $179,120,000 | $340,000 | $20,505,000 | $158,000 | $4,618,000 |
| FHA-insured (Federal Housing Administration) | 87 | $18,815,000 | $216,000 | $565,000 | $77,000 | $466,000 |
| VA-guaranteed (Veterans Administration) | 26 | $9,340,000 | $359,000 | $1,465,000 | $133,000 | $562,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,310,000 | $179,000 | $305,000 | $73,000 | $123,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 443 | $156,035,000 | $352,000 | $20,505,000 | $155,000 | $4,618,000 |
| Application Withdrawn By Applicant | 129 | $33,565,000 | $260,000 | $805,000 | $117,000 | $507,000 |
| Application Denied By Financial Institution | 85 | $20,455,000 | $240,000 | $4,985,000 | $115,000 | $3,510,000 |
| File Closed For Incompleteness | 4 | $980,000 | $245,000 | $385,000 | $133,000 | $162,000 |
| Application Approved But Not Accepted | 2 | $550,000 | $275,000 | $295,000 | $222,000 | $341,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 578 | $191,130,000 | $330,000 | $20,505,000 | $145,000 | $4,618,000 |
| Credit History | 41 | $11,915,000 | $290,000 | $4,985,000 | $163,000 | $3,510,000 |
| Debt-To-Income Ratio | 29 | $5,465,000 | $188,000 | $485,000 | $62,000 | $326,000 |
| Collateral | 5 | $985,000 | $197,000 | $385,000 | $67,000 | $128,000 |
| Other | 4 | $670,000 | $167,000 | $275,000 | $90,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $995,000 | $331,000 | $565,000 | $97,000 | $145,000 |
| Unverifiable Information | 2 | $290,000 | $145,000 | $255,000 | $161,000 | $218,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in South Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About