American Bank & Trust
American Bank & Trust received 663 applications in 2025 and made 443 mortgages, in 79 counties across 19 states. The median rate its borrowers got was 6.625% on a median loan of $220,000. Of 530 decisions, 85 were denials — 16.0%, most often for credit history.
| Legal Entity Identifier | 549300T03X096VF60C57 |
|---|---|
| Applications received | 663 |
| Mortgages made | 443 |
| Denied | 85 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 133 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.078 points |
| FDIC-insured bank | Yes: American Bank & Trust, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 329 | 6.625% | $235,000 | 14.5% |
| Refinancing | 56 | 6.750% | $205,000 | 15.2% |
| Cash-out refinancing | 28 | 6.375% | $195,000 | 17.7% |
| Other purposes | 30 | 7.375% | $105,000 | 30.2% |
Where American Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Codington County, SD | 82 | 6.826% | 6.8% |
| Minnehaha County, SD | 75 | 6.625% | 15.6% |
| Beadle County, SD | 60 | 6.500% | 23.1% |
| Lincoln County, SD | 51 | 6.500% | 7.3% |
| Brown County, SD | 29 | 6.625% | 12.1% |
| Hughes County, SD | 23 | 6.500% | 4.2% |
| Kingsbury County, SD | 12 | 6.188% | 14.3% |
| Hand County, SD | 10 | 6.938% | 41.2% |
| Hamlin County, SD | 6 | Under 10 loans | 0.0% |
| Lawrence County, SD | 6 | Under 10 loans | 0.0% |
| Jerauld County, SD | 5 | Under 10 loans | 28.6% |
| Union County, SD | 5 | Under 10 loans | 0.0% |
| Brookings County, SD | 4 | Under 10 loans | 20.0% |
| Charles Mix County, SD | 4 | Under 10 loans | 33.3% |
| Miner County, SD | 4 | Under 10 loans | 0.0% |
| Stanley County, SD | 4 | Under 10 loans | 0.0% |
| Nobles County, MN | 3 | Under 10 loans | 50.0% |
| Aurora County, SD | 3 | Under 10 loans | 25.0% |
| Davison County, SD | 3 | Under 10 loans | 25.0% |
| Deuel County, SD | 3 | Under 10 loans | 0.0% |
| Pennington County, SD | 3 | Under 10 loans | 0.0% |
| Spink County, SD | 3 | Under 10 loans | 50.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Woodbury County, IA | 2 | Under 10 loans | 0.0% |
| Clark County, SD | 2 | Under 10 loans | 33.3% |
| Douglas County, SD | 2 | Under 10 loans | 0.0% |
| Edmunds County, SD | 2 | Under 10 loans | 50.0% |
| Hyde County, SD | 2 | Under 10 loans | 0.0% |
| Lake County, SD | 2 | Under 10 loans | 0.0% |
| McCook County, SD | 2 | Under 10 loans | 0.0% |
| Moody County, SD | 2 | Under 10 loans | 33.3% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Logan County, CO | 1 | Under 10 loans | 0.0% |
| Latah County, ID | 1 | Under 10 loans | 0.0% |
| Cherokee County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| O'Brien County, IA | 1 | Under 10 loans | 0.0% |
| Osceola County, IA | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Jackson County, MN | 1 | Under 10 loans | 0.0% |
| Lincoln County, MN | 1 | Under 10 loans | 0.0% |
| Martin County, MN | 1 | Under 10 loans | 0.0% |
| Murray County, MN | 1 | Under 10 loans | 0.0% |
| Flathead County, MT | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 1 | Under 10 loans | 0.0% |
| Cass County, ND | 1 | Under 10 loans | 0.0% |
| McKenzie County, ND | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Brule County, SD | 1 | Under 10 loans | 0.0% |
| Clay County, SD | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.