American Federal Bank
American Federal Bank received 255 applications in 2025 and made 186 mortgages, in 43 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $225,000. Of 232 decisions, 29 were denials — 12.5%, most often for debt-to-income ratio. 34 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300OHXNUMVE33Q475 |
|---|---|
| Applications received | 255 |
| Mortgages made | 186 |
| Denied | 29 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: American Federal Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 131 | Not published | $235,000 | 11.2% |
| Refinancing | 22 | Not published | $305,000 | 7.7% |
| Cash-out refinancing | 18 | Not published | $235,000 | 19.2% |
| Other purposes | 15 | Not published | $45,000 | 21.1% |
Where American Federal Bank lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 36 | Not published | 12.5% |
| Otter Tail County, MN | 35 | Not published | 12.5% |
| Clay County, MN | 22 | Not published | 0.0% |
| Polk County, MN | 21 | Not published | 14.8% |
| Grand Forks County, ND | 13 | Not published | 11.8% |
| Kittson County, MN | 8 | Under 10 loans | 18.2% |
| Marshall County, MN | 6 | Under 10 loans | 30.0% |
| Becker County, MN | 5 | Under 10 loans | 0.0% |
| Clearwater County, MN | 5 | Under 10 loans | 0.0% |
| Norman County, MN | 3 | Under 10 loans | 0.0% |
| Wilkin County, MN | 3 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 2 | Under 10 loans | 0.0% |
| Douglas County, MN | 2 | Under 10 loans | 0.0% |
| Mahnomen County, MN | 2 | Under 10 loans | 0.0% |
| Pembina County, ND | 2 | Under 10 loans | 0.0% |
| Richland County, ND | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Warren County, KY | 1 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 50.0% |
| Cottonwood County, MN | 1 | Under 10 loans | 0.0% |
| Hubbard County, MN | 1 | Under 10 loans | 0.0% |
| Pennington County, MN | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Roseau County, MN | 1 | Under 10 loans | 50.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Gallatin County, MT | 1 | Under 10 loans | 0.0% |
| Burleigh County, ND | 1 | Under 10 loans | 0.0% |
| Foster County, ND | 1 | Under 10 loans | 0.0% |
| McLean County, ND | 1 | Under 10 loans | 0.0% |
| Traill County, ND | 1 | Under 10 loans | 0.0% |
| Ward County, ND | 1 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 0 | Under 10 loans | 100.0% |
| Blue Earth County, MN | 0 | Under 10 loans | Not published |
| Cass County, MN | 0 | Under 10 loans | 100.0% |
| Chisago County, MN | 0 | Under 10 loans | 100.0% |
| Renville County, MN | 0 | Under 10 loans | Not published |
| Stearns County, MN | 0 | Under 10 loans | Not published |
| Stevens County, MN | 0 | Under 10 loans | 0.0% |
| Sheridan County, ND | 0 | Under 10 loans | 100.0% |
| Steele County, ND | 0 | Under 10 loans | Not published |
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When American Federal Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.