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(HMDA) records American Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minnehaha, South Dakota | 115 | $ 32,485,000 | $ 282,478 | $ 116,000 |
| Beadle, South Dakota | 102 | $ 20,470,000 | $ 200,686 | $ 97,000 |
| Codington, South Dakota | 95 | $ 30,585,000 | $ 321,947 | $ 115,000 |
| Lincoln, South Dakota | 63 | $ 25,685,000 | $ 407,698 | $ 180,000 |
| Brown, South Dakota | 39 | $ 13,335,000 | $ 341,923 | $ 105,000 |
| Hughes, South Dakota | 31 | $ 7,345,000 | $ 236,935 | $ 123,000 |
| Hand, South Dakota | 23 | $ 3,195,000 | $ 138,913 | $ 91,000 |
| Kingsbury, South Dakota | 21 | $ 4,675,000 | $ 222,619 | $ 111,000 |
| Jerauld, South Dakota | 9 | $ 1,535,000 | $ 170,555 | $ 88,000 |
| Charles Mix, South Dakota | 8 | $ 2,070,000 | $ 258,750 | $ 168,000 |
| Hamlin, South Dakota | 8 | $ 2,020,000 | $ 252,500 | $ 127,000 |
| Spink, South Dakota | 8 | $ 1,080,000 | $ 135,000 | $ 94,000 |
| Nobles, Minnesota | 7 | $ 795,000 | $ 113,571 | $ 55,000 |
| Lawrence, South Dakota | 7 | $ 3,775,000 | $ 539,285 | $ 239,000 |
| Brookings, South Dakota | 6 | $ 1,780,000 | $ 296,666 | $ 141,000 |
| Edmunds, South Dakota | 6 | $ 930,000 | $ 155,000 | $ 78,000 |
| Miner, South Dakota | 6 | $ 1,150,000 | $ 191,666 | $ 112,000 |
| Stanley, South Dakota | 6 | $ 1,720,000 | $ 286,666 | $ 157,000 |
| Union, South Dakota | 5 | $ 21,835,000 | $ 4,367,000 | $ 178,000 |
| Aurora, South Dakota | 4 | $ 1,250,000 | $ 312,500 | $ 140,000 |
| Clark, South Dakota | 4 | $ 780,000 | $ 195,000 | $ 120,000 |
| Davison, South Dakota | 4 | $ 1,070,000 | $ 267,500 | $ 119,000 |
| Deuel, South Dakota | 4 | $ 1,190,000 | $ 297,500 | $ 162,000 |
| Woodbury, Iowa | 3 | $ 515,000 | $ 171,666 | $ 77,000 |
| Ransom, North Dakota | 3 | $ 735,000 | $ 245,000 | $ 112,000 |
| Clay, South Dakota | 3 | $ 665,000 | $ 221,666 | $ 138,000 |
| Lake, South Dakota | 3 | $ 1,095,000 | $ 365,000 | $ 177,000 |
| McCook, South Dakota | 3 | $ 465,000 | $ 155,000 | $ 90,000 |
| Moody, South Dakota | 3 | $ 925,000 | $ 308,333 | $ 52,000 |
| Pennington, South Dakota | 3 | $ 1,455,000 | $ 485,000 | $ 734,000 |
| Maricopa, Arizona | 2 | $ 560,000 | $ 280,000 | $ 780,000 |
| Pinal, Arizona | 2 | $ 730,000 | $ 365,000 | $ 365,000 |
| Murray, Minnesota | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Brule, South Dakota | 2 | $ 390,000 | $ 195,000 | $ 137,000 |
| Day, South Dakota | 2 | $ 400,000 | $ 200,000 | $ 87,000 |
| Douglas, South Dakota | 2 | $ 1,050,000 | $ 525,000 | $ 161,000 |
| Fall River, South Dakota | 2 | $ 830,000 | $ 415,000 | $ 137,000 |
| Hyde, South Dakota | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Potter, South Dakota | 2 | $ 380,000 | $ 190,000 | $ 86,000 |
| Roberts, South Dakota | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Sanborn, South Dakota | 2 | $ 960,000 | $ 480,000 | $ 136,000 |
| Turner, South Dakota | 2 | $ 500,000 | $ 250,000 | $ 90,000 |
| Logan, Colorado | 1 | $ 295,000 | $ 295,000 | $ 165,000 |
| Pasco, Florida | 1 | $ 295,000 | $ 295,000 | $ 110,000 |
| Lowndes, Georgia | 1 | $ 295,000 | $ 295,000 | $ 341,000 |
| Latah, Idaho | 1 | $ 665,000 | $ 665,000 | $ 180,000 |
| Cherokee, Iowa | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Dickinson, Iowa | 1 | $ 275,000 | $ 275,000 | $ 121,000 |
| Lyon, Iowa | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| O'Brien, Iowa | 1 | $ 115,000 | $ 115,000 | $ 48,000 |
| Osceola, Iowa | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Warren, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Beauregard, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Orleans, Louisiana | 1 | $ 4,985,000 | $ 4,985,000 | $ 3,510,000 |
| Oxford, Maine | 1 | $ 915,000 | $ 915,000 | $ 1,026,000 |
| Becker, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Jackson, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Le Sueur, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 27,000 |
| Lincoln, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Martin, Minnesota | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Pope, Minnesota | 1 | $ 315,000 | $ 315,000 | $ 197,000 |
| St. Louis, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 218,000 |
| Watonwan, Minnesota | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| St. Louis, Missouri | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Flathead, Montana | 1 | $ 655,000 | $ 655,000 | $ 471,000 |
| Douglas, Nebraska | 1 | $ 195,000 | $ 195,000 | $ 251,000 |
| Cass, North Dakota | 1 | $ 355,000 | $ 355,000 | $ 194,000 |
| Logan, North Dakota | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| McKenzie, North Dakota | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Multnomah, Oregon | 1 | $ 95,000 | $ 95,000 | $ 164,000 |
| Clearfield, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Custer, South Dakota | 1 | $ 805,000 | $ 805,000 | $ 132,000 |
| Faulk, South Dakota | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| Hutchinson, South Dakota | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Meade, South Dakota | 1 | $ 165,000 | $ 165,000 | $ 98,000 |
| Sully, South Dakota | 1 | $ 405,000 | $ 405,000 | $ 183,000 |
| Walworth, South Dakota | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| King, Washington | 1 | $ 1,545,000 | $ 1,545,000 | $ 4,618,000 |
| Door, Wisconsin | 1 | $ 575,000 | $ 575,000 | $ 435,000 |
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