American Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, American Bank & Trust of Sioux Falls, SD reported 829 mortgage applications totaling $207.7 million, down 10% from 2020. The average application was for $250,500, and applicants reported an average income of $142,823. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Sioux Falls, SD (303), Phoenix-Mesa-Scottsdale, AZ (6) 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 | 829 |
| Total Mortgage Loan Application Amount | $207,665,000 |
| Average Mortgage Loan Application Amount | $250,500 |
| Highest Mortgage Loan Application Amount | $4,705,000 |
| Average Applicant Income | $142,823 |
| Highest Applicant Income | $2,356,000 |
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(HMDA) records American Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 211 | $ 55,325,000 | $ 262,203 | $ 127,000 |
| Codington, South Dakota | 137 | $ 36,345,000 | $ 265,291 | $ 159,000 |
| Lincoln, South Dakota | 86 | $ 25,260,000 | $ 293,720 | $ 168,000 |
| Beadle, South Dakota | 84 | $ 15,050,000 | $ 179,166 | $ 99,000 |
| Hughes, South Dakota | 64 | $ 14,170,000 | $ 221,406 | $ 116,000 |
| Kingsbury, South Dakota | 20 | $ 2,430,000 | $ 121,500 | $ 100,000 |
| Hand, South Dakota | 18 | $ 2,060,000 | $ 114,444 | $ 65,000 |
| Stanley, South Dakota | 13 | $ 4,485,000 | $ 345,000 | $ 151,000 |
| Charles Mix, South Dakota | 10 | $ 1,840,000 | $ 184,000 | $ 119,000 |
| Nobles, Minnesota | 8 | $ 1,120,000 | $ 140,000 | $ 63,000 |
| Jerauld, South Dakota | 8 | $ 1,150,000 | $ 143,750 | $ 90,000 |
| Brookings, South Dakota | 7 | $ 6,035,000 | $ 862,142 | $ 265,000 |
| Brown, South Dakota | 7 | $ 1,265,000 | $ 180,714 | $ 117,000 |
| Lake, South Dakota | 7 | $ 2,665,000 | $ 380,714 | $ 160,000 |
| Hamlin, South Dakota | 6 | $ 1,050,000 | $ 175,000 | $ 168,000 |
| Spink, South Dakota | 6 | $ 820,000 | $ 136,666 | $ 109,000 |
| Maricopa, Arizona | 5 | $ 1,415,000 | $ 283,000 | $ 114,000 |
| Davison, South Dakota | 5 | $ 1,005,000 | $ 201,000 | $ 75,000 |
| Pennington, South Dakota | 5 | $ 1,905,000 | $ 381,000 | $ 586,000 |
| Dickinson, Iowa | 4 | $ 1,140,000 | $ 285,000 | $ 1,309,000 |
| Cottonwood, Minnesota | 4 | $ 590,000 | $ 147,500 | $ 109,000 |
| Clark, South Dakota | 4 | $ 880,000 | $ 220,000 | $ 81,000 |
| Faulk, South Dakota | 4 | $ 730,000 | $ 182,500 | $ 121,000 |
| Moody, South Dakota | 4 | $ 1,290,000 | $ 322,500 | $ 127,000 |
| Turner, South Dakota | 4 | $ 1,230,000 | $ 307,500 | $ 47,000 |
| Collier, Florida | 3 | $ 2,335,000 | $ 778,333 | $ 914,000 |
| Jackson, Minnesota | 3 | $ 635,000 | $ 211,666 | $ 86,000 |
| Rock, Minnesota | 3 | $ 575,000 | $ 191,666 | $ 103,000 |
| Aurora, South Dakota | 3 | $ 755,000 | $ 251,666 | $ 97,000 |
| Hutchinson, South Dakota | 3 | $ 445,000 | $ 148,333 | $ 102,000 |
| Sully, South Dakota | 3 | $ 645,000 | $ 215,000 | $ 145,000 |
| Union, South Dakota | 3 | $ 595,000 | $ 198,333 | $ 60,000 |
| Weld, Colorado | 2 | $ 820,000 | $ 410,000 | $ 184,000 |
| Marion, Iowa | 2 | $ 480,000 | $ 240,000 | $ 117,000 |
| Montgomery, Iowa | 2 | $ 680,000 | $ 340,000 | $ 316,000 |
| Sioux, Iowa | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Douglas, Minnesota | 2 | $ 700,000 | $ 350,000 | $ 226,000 |
| Hennepin, Minnesota | 2 | $ 830,000 | $ 415,000 | $ 279,000 |
| Kandiyohi, Minnesota | 2 | $ 200,000 | $ 100,000 | $ 227,000 |
| Dickey, North Dakota | 2 | $ 190,000 | $ 95,000 | $ 85,000 |
| Deschutes, Oregon | 2 | $ 660,000 | $ 330,000 | $ 148,000 |
| Fall River, South Dakota | 2 | $ 420,000 | $ 210,000 | $ 110,000 |
| Grant, South Dakota | 2 | $ 230,000 | $ 115,000 | $ 41,000 |
| Hanson, South Dakota | 2 | $ 220,000 | $ 110,000 | $ 55,000 |
| Hyde, South Dakota | 2 | $ 320,000 | $ 160,000 | $ 46,000 |
| Lawrence, South Dakota | 2 | $ 680,000 | $ 340,000 | $ 154,000 |
| McCook, South Dakota | 2 | $ 490,000 | $ 245,000 | $ 127,000 |
| Miner, South Dakota | 2 | $ 390,000 | $ 195,000 | $ 336,000 |
| Sanborn, South Dakota | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Yankton, South Dakota | 2 | $ 660,000 | $ 330,000 | $ 84,000 |
| Mohave, Arizona | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Pinal, Arizona | 1 | $ 405,000 | $ 405,000 | $ 229,000 |
| Los Angeles, California | 1 | $ 285,000 | $ 285,000 | $ 278,000 |
| La Plata, Colorado | 1 | $ 1,005,000 | $ 1,005,000 | $ 158,000 |
| Larimer, Colorado | 1 | $ 425,000 | $ 425,000 | $ 78,000 |
| Flagler, Florida | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Indian River, Florida | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Lee, Florida | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Orange, Florida | 1 | $ 215,000 | $ 215,000 | $ 290,000 |
| Polk, Florida | 1 | $ 135,000 | $ 135,000 | $ 513,000 |
| Santa Rosa, Florida | 1 | $ 275,000 | $ 275,000 | $ 223,000 |
| Habersham, Georgia | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Stephens, Georgia | 1 | $ 85,000 | $ 85,000 | $ 86,000 |
| Vanderburgh, Indiana | 1 | $ 265,000 | $ 265,000 | $ 159,000 |
| Winnebago, Iowa | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Ellis, Kansas | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Howard, Maryland | 1 | $ 415,000 | $ 415,000 | $ 109,000 |
| Becker, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Big Stone, Minnesota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Lyon, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Murray, Minnesota | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Otter Tail, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 259,000 |
| Redwood, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Washington, Minnesota | 1 | $ 965,000 | $ 965,000 | $ 287,000 |
| Dixon, Nebraska | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Douglas, Nebraska | 1 | $ 755,000 | $ 755,000 | $ 385,000 |
| Greene, Ohio | 1 | $ 395,000 | $ 395,000 | $ 290,000 |
| Union, Ohio | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| Tulsa, Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Bon Homme, South Dakota | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Clay, South Dakota | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Day, South Dakota | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Deuel, South Dakota | 1 | $ 215,000 | $ 215,000 | $ 162,000 |
| Douglas, South Dakota | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| Jones, South Dakota | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| McPherson, South Dakota | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Potter, South Dakota | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Tripp, South Dakota | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Walworth, South Dakota | 1 | $ 305,000 | $ 305,000 | $ 177,000 |
| Taylor, Texas | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Ozaukee, 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.
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