American Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
American Bank & Trust 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American Bank & Trust 120 E Main Street Sioux Falls, SD 57382 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 829 |
| Total Mortgage Loan Application Amount | $207,665,000 |
| Average Mortgage Loan Application Amount | $270,200 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $179,600 |
| Highest Applicant Income | $2,356,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with American Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down American Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by American Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American Bank & Trust's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minnehaha County South Dakota | 211 | $ 55,325,000 | $ 262,000 | $ 127,000 |
| Codington County South Dakota | 137 | $ 36,345,000 | $ 265,000 | $ 159,000 |
| Lincoln County South Dakota | 86 | $ 25,260,000 | $ 293,000 | $ 168,000 |
| Beadle County South Dakota | 84 | $ 15,050,000 | $ 179,000 | $ 99,000 |
| Hughes County South Dakota | 64 | $ 14,170,000 | $ 221,000 | $ 116,000 |
| Kingsbury County South Dakota | 20 | $ 2,430,000 | $ 121,000 | $ 100,000 |
| Hand County South Dakota | 18 | $ 2,060,000 | $ 114,000 | $ 65,000 |
| Stanley County South Dakota | 13 | $ 4,485,000 | $ 345,000 | $ 151,000 |
| Charles Mix County South Dakota | 10 | $ 1,840,000 | $ 184,000 | $ 119,000 |
| Nobles County Minnesota | 8 | $ 1,120,000 | $ 140,000 | $ 63,000 |
| Jerauld County South Dakota | 8 | $ 1,150,000 | $ 143,000 | $ 90,000 |
| Brookings County South Dakota | 7 | $ 6,035,000 | $ 862,000 | $ 265,000 |
| Brown County South Dakota | 7 | $ 1,265,000 | $ 180,000 | $ 117,000 |
| Lake County South Dakota | 7 | $ 2,665,000 | $ 380,000 | $ 160,000 |
| Hamlin County South Dakota | 6 | $ 1,050,000 | $ 175,000 | $ 168,000 |
| Spink County South Dakota | 6 | $ 820,000 | $ 136,000 | $ 109,000 |
| Maricopa County Arizona | 5 | $ 1,415,000 | $ 283,000 | $ 114,000 |
| Davison County South Dakota | 5 | $ 1,005,000 | $ 201,000 | $ 75,000 |
| Pennington County South Dakota | 5 | $ 1,905,000 | $ 381,000 | $ 586,000 |
| Dickinson County Iowa | 4 | $ 1,140,000 | $ 285,000 | $ 1,309,000 |
| Cottonwood County Minnesota | 4 | $ 590,000 | $ 147,000 | $ 109,000 |
| Clark County South Dakota | 4 | $ 880,000 | $ 220,000 | $ 81,000 |
| Faulk County South Dakota | 4 | $ 730,000 | $ 182,000 | $ 121,000 |
| Moody County South Dakota | 4 | $ 1,290,000 | $ 322,000 | $ 127,000 |
| Turner County South Dakota | 4 | $ 1,230,000 | $ 307,000 | $ 47,000 |
| Collier County Florida | 3 | $ 2,335,000 | $ 778,000 | $ 914,000 |
| Jackson County Minnesota | 3 | $ 635,000 | $ 211,000 | $ 86,000 |
| Rock County Minnesota | 3 | $ 575,000 | $ 191,000 | $ 103,000 |
| Aurora County South Dakota | 3 | $ 755,000 | $ 251,000 | $ 97,000 |
| Hutchinson County South Dakota | 3 | $ 445,000 | $ 148,000 | $ 102,000 |
| Sully County South Dakota | 3 | $ 645,000 | $ 215,000 | $ 145,000 |
| Union County South Dakota | 3 | $ 595,000 | $ 198,000 | $ 60,000 |
| Weld County Colorado | 2 | $ 820,000 | $ 410,000 | $ 184,000 |
| Marion County Iowa | 2 | $ 480,000 | $ 240,000 | $ 117,000 |
| Montgomery County Iowa | 2 | $ 680,000 | $ 340,000 | $ 316,000 |
| Sioux County Iowa | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Douglas County Minnesota | 2 | $ 700,000 | $ 350,000 | $ 226,000 |
| Hennepin County Minnesota | 2 | $ 830,000 | $ 415,000 | $ 279,000 |
| Kandiyohi County Minnesota | 2 | $ 200,000 | $ 100,000 | $ 227,000 |
| Dickey County North Dakota | 2 | $ 190,000 | $ 95,000 | $ 85,000 |
| Deschutes County Oregon | 2 | $ 660,000 | $ 330,000 | $ 148,000 |
| Fall River County South Dakota | 2 | $ 420,000 | $ 210,000 | $ 110,000 |
| Grant County South Dakota | 2 | $ 230,000 | $ 115,000 | $ 41,000 |
| Hanson County South Dakota | 2 | $ 220,000 | $ 110,000 | $ 55,000 |
| Hyde County South Dakota | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Lawrence County South Dakota | 2 | $ 680,000 | $ 340,000 | $ 154,000 |
| McCook County South Dakota | 2 | $ 490,000 | $ 245,000 | $ 127,000 |
| Miner County South Dakota | 2 | $ 390,000 | $ 195,000 | $ 336,000 |
| Sanborn County South Dakota | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Yankton County South Dakota | 2 | $ 660,000 | $ 330,000 | $ 84,000 |
| Mohave County Arizona | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Pinal County Arizona | 1 | $ 405,000 | $ 405,000 | $ 229,000 |
| Los Angeles County California | 1 | $ 285,000 | $ 285,000 | $ 278,000 |
| La Plata County Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 158,000 |
| Larimer County Colorado | 1 | $ 425,000 | $ 425,000 | $ 78,000 |
| Flagler County Florida | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Indian River County Florida | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Lee County Florida | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Orange County Florida | 1 | $ 215,000 | $ 215,000 | $ 290,000 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 513,000 |
| Santa Rosa County Florida | 1 | $ 275,000 | $ 275,000 | $ 223,000 |
| Habersham County Georgia | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Stephens County Georgia | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Vanderburgh County Indiana | 1 | $ 265,000 | $ 265,000 | $ 159,000 |
| Winnebago County Iowa | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Ellis County Kansas | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Howard County Maryland | 1 | $ 415,000 | $ 415,000 | $ 109,000 |
| Becker County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Big Stone County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lyon County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Murray County Minnesota | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Otter Tail County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 259,000 |
| Redwood County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Washington County Minnesota | 1 | $ 965,000 | $ 965,000 | $ 287,000 |
| Dixon County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Douglas County Nebraska | 1 | $ 755,000 | $ 755,000 | $ 385,000 |
| Greene County Ohio | 1 | $ 395,000 | $ 395,000 | $ 290,000 |
| Union County Ohio | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| Tulsa County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Bon Homme County South Dakota | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Clay County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Day County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Deuel County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 162,000 |
| Douglas County South Dakota | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Jones County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| McPherson County South Dakota | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Potter County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Tripp County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Walworth County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 177,000 |
| Taylor County Texas | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Ozaukee County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust in 2021
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 | 419 | $107,585,000 | $256,000 | $3,495,000 | $131,000 | $2,356,000 |
| Refinancing | 200 | $43,390,000 | $216,000 | $885,000 | $156,000 | $1,245,000 |
| Cash-out Refinancing | 181 | $47,125,000 | $260,000 | $2,495,000 | $145,000 | $2,356,000 |
| Home Improvement | 17 | $7,235,000 | $425,000 | $4,705,000 | $95,000 | $201,000 |
| Other Purpose | 12 | $2,330,000 | $194,000 | $545,000 | $371,000 | $2,356,000 |
| 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 | 655 | $154,385,000 | $235,000 | $2,495,000 | $140,000 | $2,356,000 |
| Not Provided | 82 | $20,650,000 | $251,000 | $1,005,000 | $183,000 | $2,356,000 |
| Not applicable | 44 | $21,730,000 | $493,000 | $4,705,000 | $0 | $0 |
| Hispanic | 19 | $3,745,000 | $197,000 | $425,000 | $89,000 | $278,000 |
| Asian | 10 | $2,710,000 | $271,000 | $445,000 | $154,000 | $464,000 |
| American Indian or Alaskan Native | 8 | $1,230,000 | $153,000 | $235,000 | $56,000 | $127,000 |
| Black or African American | 5 | $1,475,000 | $295,000 | $415,000 | $178,000 | $307,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $76,000 | $76,000 |
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) | 742 | $191,500,000 | $258,000 | $4,705,000 | $154,000 | $2,356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $6,205,000 | $151,000 | $285,000 | $51,000 | $101,000 |
| FHA-insured (Federal Housing Administration) | 34 | $6,280,000 | $184,000 | $325,000 | $59,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,680,000 | $306,000 | $535,000 | $89,000 | $228,000 |
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 | 701 | $176,165,000 | $251,000 | $4,705,000 | $145,000 | $2,356,000 |
| Application Withdrawn By Applicant | 95 | $25,305,000 | $266,000 | $1,005,000 | $152,000 | $2,356,000 |
| Application Denied By Financial Institution | 32 | $5,920,000 | $185,000 | $525,000 | $64,000 | $300,000 |
| File Closed For Incompleteness | 1 | $275,000 | $275,000 | $275,000 | $741,000 | $741,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 797 | $201,745,000 | $253,000 | $4,705,000 | $146,000 | $2,356,000 |
| Debt-To-Income Ratio | 19 | $3,735,000 | $196,000 | $525,000 | $63,000 | $300,000 |
| Credit History | 11 | $1,955,000 | $177,000 | $355,000 | $70,000 | $177,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank & Trust's 2021 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.