Lender in South Dakota · HMDA 2025
American Bank & Trust mortgages in South Dakota
American Bank & Trust's 2025 home-purchase and refinance lending in South Dakota, compared with all lenders in the state.
American Bank & Trust originated 267 owner-occupied single-family loans in South Dakota from 328 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $3,570 versus $4,750 for all South Dakota lenders, at a median 30-year fixed rate of 6.50% (South Dakota: 6.49%).
Loans in SD
267
of 328 applications
Denial rate
16.7%
Purchase · SD 6.9%
Rate spread
+0.07 pts
Conv. · SD +0.03 pts
Loan amount
$245,000
Purchase · SD $285,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 275 | 228 | 16.7% | 6.500% | +0.07 pts | $3,570 | $245,000 |
| Refinance | 26 | 18 | 30.8% | — | — | — | — |
| Cash-out refinance | 27 | 21 | 22.2% | — | — | — | $185,000 |
*Conventional loans only; medians with at least 20 loans.
South Dakota counties where American Bank & Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kingsbury County | 1 | 10 | 17.0% |
| Jerauld County | 1 | 3 | 27.3% |
| Beadle County | 2 | 48 | 33.1% |
| Codington County | 2 | 41 | 11.9% |
| Hand County | 2 | 4 | 21.1% |
| Aurora County | 2 | 3 | 17.6% |
| Hyde County | 2 | 2 | 20.0% |
| Miner County | 2 | 2 | 14.3% |
| Stanley County | 3 | 2 | 8.7% |
| Hughes County | 4 | 16 | 8.2% |
| Douglas County | 5 | 2 | 7.7% |
| Brown County | 6 | 16 | 5.2% |
| Hamlin County | 6 | 4 | 4.8% |
| Deuel County | 6 | 2 | 4.9% |
| Spink County | 6 | 2 | 8.3% |
| Faulk County | 7 | 1 | 8.3% |
| Charles Mix County | 9 | 2 | 4.9% |
| Potter County | 9 | 1 | 5.9% |
| Sully County | 9 | 1 | 5.9% |
| Lincoln County | 10 | 33 | 2.5% |
| Moody County | 10 | 2 | 3.5% |
| Clark County | 10 | 1 | 3.6% |
| Edmunds County | 10 | 1 | 4.8% |
| Brule County | 14 | 1 | 3.3% |
| Minnehaha County | 16 | 52 | 1.7% |
| Lake County | 17 | 2 | 1.3% |
| Davison County | 22 | 2 | 0.9% |
| Roberts County | 22 | 1 | 2.2% |
| Union County | 23 | 3 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology