American Bank & Trust in South Dakota vs the state
11.9%Denial rate-0.84 pts vs state
14.9%Decision denial rate-0.86 pts vs state
68.0%Origination rate+1.99 pts vs state
6.63%Median rate+0.13 pts vs state
0.08Rate spread (pts)-0.11 pts vs state
$94kMedian applicant income
417Loans originated
73Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 453 | 359 | 5.5% | 6.50% | #14 |
| 2024 | 559 | 357 | 14.1% | 6.63% | #12 |
| 2025 | 613 | 417 | 11.9% | 6.63% | #12 |
What American Bank & Trust lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most American Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 115 | 75 | 14 | 12.2% |
| Beadle County | 102 | 60 | 18 | 17.6% |
| Codington County | 95 | 82 | 6 | 6.3% |
| Lincoln County | 63 | 51 | 4 | 6.3% |
| Brown County | 39 | 29 | 4 | 10.3% |
| Hughes County | 31 | 23 | 1 | 3.2% |
| Hand County | 23 | 10 | 7 | 30.4% |
| Kingsbury County | 21 | 12 | 2 | 9.5% |
| Jerauld County | 9 | 5 | 2 | 22.2% |
| Spink County | 8 | 3 | 3 | 37.5% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 613 applications in 2025, of which 417 were originated and 73 denied.
11.9% of all applications, or 14.9% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans American Bank & Trust originated in South Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are American Bank & Trust's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology