American Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, American Bank & Trust of Sioux Falls, SD reported 301 mortgage applications totaling $74.0 million. The average application was for $245,784, and applicants reported an average income of $135,534. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Sioux Falls, SD (95), Sioux City, IA-NE-SD (2) and Lincoln, NE (1) (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 | 301 |
| Total Mortgage Loan Application Amount | $73,981,000 |
| Average Mortgage Loan Application Amount | $245,784 |
| Highest Mortgage Loan Application Amount | $8,900,000 |
| Average Applicant Income | $135,534 |
| Highest Applicant Income | $3,168,000 |
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(HMDA) records American Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Beadle, South Dakota | 69 | $ 9,107,000 | $ 131,985 | $ 172,000 |
| Minnehaha, South Dakota | 64 | $ 27,108,000 | $ 423,562 | $ 146,000 |
| Hughes, South Dakota | 35 | $ 9,867,000 | $ 281,914 | $ 84,000 |
| Lincoln, South Dakota | 30 | $ 8,456,000 | $ 281,866 | $ 144,000 |
| Kingsbury, South Dakota | 16 | $ 2,592,000 | $ 162,000 | $ 78,000 |
| Hand, South Dakota | 12 | $ 1,754,000 | $ 146,166 | $ 132,000 |
| Stanley, South Dakota | 10 | $ 2,985,000 | $ 298,500 | $ 154,000 |
| Spink, South Dakota | 7 | $ 604,000 | $ 86,285 | $ 96,000 |
| Hamlin, South Dakota | 6 | $ 589,000 | $ 98,166 | $ 57,000 |
| Charles Mix, South Dakota | 5 | $ 1,185,000 | $ 237,000 | $ 86,000 |
| Codington, South Dakota | 4 | $ 603,000 | $ 150,750 | $ 57,000 |
| Jerauld, South Dakota | 4 | $ 490,000 | $ 122,500 | $ 52,000 |
| Sanborn, South Dakota | 4 | $ 1,192,000 | $ 298,000 | $ 295,000 |
| Davison, South Dakota | 3 | $ 308,000 | $ 102,666 | $ 60,000 |
| Miner, South Dakota | 3 | $ 475,000 | $ 158,333 | $ 59,000 |
| Dickinson, Iowa | 2 | $ 341,000 | $ 170,500 | $ 107,000 |
| Rock, Minnesota | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Faulk, South Dakota | 2 | $ 581,000 | $ 290,500 | $ 235,000 |
| Lake, South Dakota | 2 | $ 570,000 | $ 285,000 | $ 153,000 |
| Sully, South Dakota | 2 | $ 651,000 | $ 325,500 | $ 155,000 |
| Union, South Dakota | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| Yankton, South Dakota | 2 | $ 848,000 | $ 424,000 | $ 388,000 |
| Pima, Arizona | 1 | $ 60,000 | $ 60,000 | $ 168,000 |
| Pinal, Arizona | 1 | $ 267,000 | $ 267,000 | $ 276,000 |
| Anoka, Minnesota | 1 | $ 233,000 | $ 233,000 | $ 137,000 |
| Lancaster, Nebraska | 1 | $ 154,000 | $ 154,000 | $ 63,000 |
| Brookings, South Dakota | 1 | $ 300,000 | $ 300,000 | $ 264,000 |
| Brown, South Dakota | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| Brule, South Dakota | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Buffalo, South Dakota | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Clark, South Dakota | 1 | $ 130,000 | $ 130,000 | $ 465,000 |
| Custer, South Dakota | 1 | $ 361,000 | $ 361,000 | $ 146,000 |
| Edmunds, South Dakota | 1 | $ 259,000 | $ 259,000 | $ 122,000 |
| Lawrence, South Dakota | 1 | $ 177,000 | $ 177,000 | $ 80,000 |
| McCook, South Dakota | 1 | $ 375,000 | $ 375,000 | $ 282,000 |
| Moody, South Dakota | 1 | $ 240,000 | $ 240,000 | $ 89,000 |
| Crook, Wyoming | 1 | $ 109,000 | $ 109,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust in 2017
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 | 170 | $46,002,000 | $270,000 | $8,900,000 | $102,000 | $1,696,000 |
| Refinancing | 101 | $23,539,000 | $233,000 | $3,656,000 | $196,000 | $3,168,000 |
| Home Improvement | 30 | $4,440,000 | $148,000 | $732,000 | $122,000 | $657,000 |
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 | 258 | $50,387,000 | $195,000 | $3,075,000 | $144,000 | $3,168,000 |
| Not applicable | 18 | $17,237,000 | $957,000 | $8,900,000 | $0 | $0 |
| Not Provided | 16 | $4,283,000 | $267,000 | $775,000 | $156,000 | $578,000 |
| Hispanic | 6 | $914,000 | $152,000 | $259,000 | $55,000 | $109,000 |
| Asian | 2 | $820,000 | $410,000 | $732,000 | $328,000 | $618,000 |
| Black or African American | 1 | $340,000 | $340,000 | $340,000 | $111,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 261 | $68,568,000 | $262,000 | $8,900,000 | $148,000 | $3,168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,989,000 | $119,000 | $222,000 | $48,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,171,000 | $146,000 | $287,000 | $60,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,253,000 | $179,000 | $221,000 | $76,000 | $98,000 |
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 | 218 | $55,680,000 | $255,000 | $8,900,000 | $149,000 | $3,168,000 |
| Application Approved But Not Accepted | 53 | $11,333,000 | $213,000 | $550,000 | $126,000 | $550,000 |
| Application Denied By Financial Institution | 24 | $5,868,000 | $244,000 | $3,075,000 | $56,000 | $159,000 |
| Application Withdrawn By Applicant | 6 | $1,100,000 | $183,000 | $300,000 | $58,000 | $110,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $495,000 | $61,000 | $109,000 | $43,000 | $84,000 |
| Debt-To-Income Ratio | 8 | $1,208,000 | $151,000 | $316,000 | $63,000 | $133,000 |
| Collateral | 5 | $982,000 | $196,000 | $357,000 | $89,000 | $159,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust's 2017 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.
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