American Bank & Trust in Minnesota vs the state
35.3%Denial rate+21.69 pts vs state
46.2%Decision denial rate+29.80 pts vs state
41.2%Origination rate-25.19 pts vs state
6.75%Median rate+0.13 pts vs state
0.17Rate spread (pts)-0.09 pts vs state
$65kMedian applicant income
7Loans originated
6Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 22 | 17.7% | 6.44% | #329 |
| 2024 | 28 | 17 | 25.0% | 6.25% | #345 |
| 2025 | 17 | 7 | 35.3% | 6.75% | #407 |
What American Bank & Trust lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most American Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Nobles County | 7 | 3 | 3 | 42.9% |
| Murray County | 2 | 1 | 0 | 0.0% |
| Le Sueur County | 1 | 0 | 1 | 100.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Watonwan County | 1 | 0 | 1 | 100.0% |
| Martin County | 1 | 1 | 0 | 0.0% |
| St. Louis County | 1 | 0 | 1 | 100.0% |
| Becker County | 1 | 0 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Pope County | 1 | 0 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 17 applications in 2025, of which 7 were originated and 6 denied.
35.3% of all applications, or 46.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans American Bank & Trust originated in Minnesota in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Bank & Trust's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology