What loan types does American Bank & Trust offer?

American Bank & Trust offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does American Bank & Trust offer mortgages?

American Bank & Trust offers mortgages in 12 states: AZ, CA, FL, IA, MN, MO, NC, ND, NE, SD, TX, WY.

How competitive are American Bank & Trust's mortgage rates?

American Bank & Trust has an overall pricing score of 67.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Bank & Trust?

American Bank & Trust is a Bank headquartered in Sioux Falls, SD.

Unclaimed

American Bank & Trust

Bank•Sioux Falls, SDHQ•Direct•Reviews near you on Google

American Bank & Trust has 268 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

What They Do Well

Offers rates 9.80 basis points below market average

Explore another lender or local market

Report Card

American Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 9.8 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

210 loans · 0.11% below market

Sound

Top 60% of lenders

3/5

FHA

42 loans · 0.10% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

218 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

Refinance

50 loans · 0.34% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	210	78.4%	-0.110%Below	$2,291Fees
FHA Loans	Strong	Strong	Exceptional	Sound	42	15.7%	+0.101%Above	$1,462Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume210

Mix78.4%

Spread

-0.110%Below

Fees

$2,291Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume42

Mix15.7%

Spread

+0.101%Above

Fees

$1,462Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	218	81.3%	-0.034%Below	$2,089Fees
Refinance	Sound	Sound	Strong	Sound	50	18.7%	-0.335%Below	$2,437Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume218

Mix81.3%

Spread

-0.034%Below

Fees

$2,089Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume50

Mix18.7%

Spread

-0.335%Below

Fees

$2,437Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

268

Applications

458

Volume

$77 million

Pricing & Closing

Avg Rate Spread

-0.098%

vs. market APOR

Avg Net Fees

$2,163

Origination − Credits

Pullthrough Rate

58.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$289,552

Avg Borrower Income

$177,631

Avg Property Value

$408,619

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

12Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest6

IAMNMONDNESD

South3

FLNCTX

West3

AZCAWY

Top Metro Areas by Place Specialization Score

Sioux Falls, SD, SD-MNMetro

Volume 73Mix 27.24% of portfolio

72/100

Strong

Top States by Place Specialization Score

South DakotaState

Volume 243Mix 90.67% of portfolio

86/100

Exceptional

MinnesotaState

Volume 11Mix 4.10% of portfolio

42/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of American Bank & Trust?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.