American Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
American Bank & Trust 2022 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 | 776 |
| Total Mortgage Loan Application Amount | $288,350,000 |
| Average Mortgage Loan Application Amount | $262,600 |
| Highest Mortgage Loan Application Amount | $29,505,000 |
| Average Applicant Income | $142,800 |
| Highest Applicant Income | $1,284,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 143 | $ 44,865,000 | $ 313,000 | $ 155,000 |
| Brown County South Dakota | 110 | $ 26,850,000 | $ 244,000 | $ 104,000 |
| Codington County South Dakota | 98 | $ 30,740,000 | $ 313,000 | $ 121,000 |
| Lincoln County South Dakota | 75 | $ 30,265,000 | $ 403,000 | $ 181,000 |
| Beadle County South Dakota | 55 | $ 10,455,000 | $ 190,000 | $ 83,000 |
| Hughes County South Dakota | 40 | $ 10,430,000 | $ 260,000 | $ 150,000 |
| Nobles County Minnesota | 37 | $ 5,045,000 | $ 136,000 | $ 101,000 |
| Kingsbury County South Dakota | 23 | $ 4,535,000 | $ 197,000 | $ 88,000 |
| Hand County South Dakota | 16 | $ 2,110,000 | $ 131,000 | $ 118,000 |
| Jerauld County South Dakota | 13 | $ 2,295,000 | $ 176,000 | $ 84,000 |
| Spink County South Dakota | 11 | $ 1,475,000 | $ 134,000 | $ 44,000 |
| Sanborn County South Dakota | 8 | $ 1,170,000 | $ 146,000 | $ 85,000 |
| Edmunds County South Dakota | 7 | $ 1,145,000 | $ 163,000 | $ 234,000 |
| Lawrence County South Dakota | 7 | $ 2,845,000 | $ 406,000 | $ 222,000 |
| Stanley County South Dakota | 7 | $ 12,935,000 | $ 1,847,000 | $ 107,000 |
| Maricopa County Arizona | 6 | $ 2,020,000 | $ 336,000 | $ 206,000 |
| Hamlin County South Dakota | 5 | $ 995,000 | $ 199,000 | $ 85,000 |
| Lake County South Dakota | 5 | $ 1,875,000 | $ 375,000 | $ 145,000 |
| Miner County South Dakota | 5 | $ 345,000 | $ 69,000 | $ 34,000 |
| Pennington County South Dakota | 5 | $ 55,355,000 | $ 11,071,000 | $ 78,000 |
| Cottonwood County Minnesota | 4 | $ 870,000 | $ 217,000 | $ 176,000 |
| Brookings County South Dakota | 4 | $ 1,240,000 | $ 310,000 | $ 211,000 |
| Charles Mix County South Dakota | 4 | $ 800,000 | $ 200,000 | $ 103,000 |
| McCook County South Dakota | 4 | $ 480,000 | $ 120,000 | $ 55,000 |
| Turner County South Dakota | 4 | $ 670,000 | $ 167,000 | $ 67,000 |
| Union County South Dakota | 4 | $ 430,000 | $ 107,000 | $ 75,000 |
| Murray County Minnesota | 3 | $ 685,000 | $ 228,000 | $ 97,000 |
| Rock County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 324,000 |
| Mercer County New Jersey | 3 | $ 1,235,000 | $ 411,000 | $ 184,000 |
| Cass County North Dakota | 3 | $ 715,000 | $ 238,000 | $ 164,000 |
| Aurora County South Dakota | 3 | $ 625,000 | $ 208,000 | $ 80,000 |
| Moody County South Dakota | 3 | $ 545,000 | $ 181,000 | $ 62,000 |
| Sully County South Dakota | 3 | $ 525,000 | $ 175,000 | $ 91,000 |
| Los Angeles County California | 2 | $ 1,310,000 | $ 655,000 | $ 282,000 |
| Jefferson County Colorado | 2 | $ 720,000 | $ 360,000 | $ 271,000 |
| Clay County South Dakota | 2 | $ 490,000 | $ 245,000 | $ 90,000 |
| Douglas County South Dakota | 2 | $ 550,000 | $ 275,000 | $ 59,000 |
| Hutchinson County South Dakota | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Roberts County South Dakota | 2 | $ 110,000 | $ 55,000 | $ 97,000 |
| Walworth County South Dakota | 2 | $ 140,000 | $ 70,000 | $ 40,000 |
| Yankton County South Dakota | 2 | $ 310,000 | $ 155,000 | $ 114,000 |
| Riverside County California | 1 | $ 145,000 | $ 145,000 | $ 236,000 |
| El Paso County Colorado | 1 | $ 655,000 | $ 655,000 | $ 197,000 |
| La Plata County Colorado | 1 | $ 1,055,000 | $ 1,055,000 | $ 298,000 |
| Duval County Florida | 1 | $ 395,000 | $ 395,000 | $ 176,000 |
| Sarasota County Florida | 1 | $ 325,000 | $ 325,000 | $ 194,000 |
| St. Lucie County Florida | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Bartow County Georgia | 1 | $ 455,000 | $ 455,000 | $ 132,000 |
| Ada County Idaho | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Boone County Iowa | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Dallas County Iowa | 1 | $ 17,625,000 | $ 17,625,000 | $ 0 |
| Dickinson County Iowa | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| Monona County Iowa | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Osceola County Iowa | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Plymouth County Iowa | 1 | $ 435,000 | $ 435,000 | $ 425,000 |
| Story County Iowa | 1 | $ 105,000 | $ 105,000 | $ 300,000 |
| Shawnee County Kansas | 1 | $ 385,000 | $ 385,000 | $ 225,000 |
| Berrien County Michigan | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| Marquette County Michigan | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Lincoln County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Lyon County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Pipestone County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Redwood County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Yellow Medicine County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Dakota County Nebraska | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Dixon County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Kidder County North Dakota | 1 | $ 475,000 | $ 475,000 | $ 165,000 |
| Montgomery County Ohio | 1 | $ 105,000 | $ 105,000 | $ 308,000 |
| Bon Homme County South Dakota | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Buffalo County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Butte County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Clark County South Dakota | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Davison County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| Day County South Dakota | 1 | $ 405,000 | $ 405,000 | $ 372,000 |
| Deuel County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Faulk County South Dakota | 1 | $ 25,000 | $ 25,000 | $ 241,000 |
| Hyde County South Dakota | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Potter County South Dakota | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Hidalgo County Texas | 1 | $ 75,000 | $ 75,000 | $ 340,000 |
| Dane County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for American Bank & Trust in 2022
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 | 517 | $210,955,000 | $408,000 | $25,005,000 | $131,000 | $1,250,000 |
| Refinancing | 132 | $53,600,000 | $406,000 | $29,505,000 | $138,000 | $659,000 |
| Cash-out Refinancing | 75 | $16,535,000 | $220,000 | $665,000 | $104,000 | $576,000 |
| Other Purpose | 33 | $4,595,000 | $139,000 | $425,000 | $112,000 | $389,000 |
| Home Improvement | 19 | $2,665,000 | $140,000 | $445,000 | $229,000 | $1,284,000 |
| 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 | 538 | $134,290,000 | $249,000 | $2,005,000 | $128,000 | $1,250,000 |
| Not applicable | 130 | $127,620,000 | $981,000 | $29,505,000 | $0 | $0 |
| Not Provided | 53 | $13,845,000 | $261,000 | $1,055,000 | $167,000 | $1,284,000 |
| Hispanic | 32 | $6,350,000 | $198,000 | $665,000 | $108,000 | $455,000 |
| Asian | 16 | $3,810,000 | $238,000 | $415,000 | $160,000 | $1,018,000 |
| Black or African American | 3 | $1,505,000 | $501,000 | $985,000 | $119,000 | $238,000 |
| American Indian or Alaskan Native | 3 | $665,000 | $221,000 | $275,000 | $79,000 | $87,000 |
| 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) | 686 | $268,580,000 | $391,000 | $29,505,000 | $140,000 | $1,284,000 |
| FHA-insured (Federal Housing Administration) | 46 | $10,190,000 | $221,000 | $425,000 | $71,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,700,000 | $156,000 | $285,000 | $63,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 14 | $4,880,000 | $348,000 | $1,335,000 | $99,000 | $320,000 |
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 | 592 | $247,660,000 | $418,000 | $29,505,000 | $133,000 | $1,018,000 |
| Application Withdrawn By Applicant | 152 | $34,050,000 | $224,000 | $1,055,000 | $129,000 | $1,250,000 |
| Application Denied By Financial Institution | 32 | $6,640,000 | $207,000 | $655,000 | $105,000 | $1,284,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 744 | $281,710,000 | $378,000 | $29,505,000 | $132,000 | $1,250,000 |
| Debt-To-Income Ratio | 15 | $3,585,000 | $239,000 | $505,000 | $49,000 | $120,000 |
| Credit History | 13 | $2,385,000 | $183,000 | $655,000 | $82,000 | $300,000 |
| Collateral | 2 | $200,000 | $100,000 | $145,000 | $74,000 | $85,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $1,284,000 | $1,284,000 |
| Other | 1 | $225,000 | $225,000 | $225,000 | $105,000 | $105,000 |
| Unverifiable Information | 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 2022 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.