American Bank & Trust mortgage approval rate & lending review
American Bank & Trust decided 272 mortgage applications and funded 232 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Bank & Trust at a glance
Approval is 1.8 points above the 84.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 148 / 173 | 99% | $275K | 146 |
| Investment property purchase | 100% | 49 / 49 | 100% | $235K | 49 |
American Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Dakota | 86% | $275K | 244 | 209 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Minnehaha County, SD | Mortgage lenders | 87% | 152 | 131 |
| Minnehaha County, SD | Investment property purchase | 100% | 38 | 38 |
The county markets where American Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about American Bank & Trust
What is American Bank & Trust's mortgage approval rate?
American Bank & Trust approved 86.4% of the 272 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points above the 84.6% national rate for the same mix of loan types.
How often do borrowers take the loan American Bank & Trust offers?
Borrowers accepted 99% of the loans American Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Bank & Trust make?
The typical home purchase mortgage loan American Bank & Trust made was $275K; across all loan types its typical loan ran from $235K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Bank & Trust lend?
American Bank & Trust decided applications in 17 of the states Fat Boy Data covers, most of them in South Dakota, Arizona and Iowa.
Can I apply to American Bank & Trust directly?
Yes. American Bank & Trust is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Bank & Trust treats applications, then get a rate quote from the lender.