American Bank & Trust in North Dakota vs the state
16.7%Denial rate+5.23 pts vs state
33.3%Decision denial rate+19.61 pts vs state
33.3%Origination rate-36.36 pts vs state
6.81%Median rate+0.31 pts vs state
-0.06Rate spread (pts)-0.30 pts vs state
$131kMedian applicant income
2Loans originated
1Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 4 | 23.1% | 6.38% | #103 |
| 2025 | 6 | 2 | 16.7% | 6.81% | #157 |
What American Bank & Trust lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most American Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ransom County | 3 | 0 | 1 | 33.3% |
| McKenzie County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 0 | 0 | 0.0% |
| Cass County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans American Bank & Trust originated in North Dakota in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are American Bank & Trust's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology