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.

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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, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.