American State Bank
American State Bank received 347 applications in 2025 and made 282 mortgages, in 44 counties across 12 states. The median rate its borrowers got was Not published on a median loan of $245,000. Of 320 decisions, 15 were denials — 4.7%.
| Legal Entity Identifier | 549300BNZVNK1XN85P72 |
|---|---|
| Applications received | 347 |
| Mortgages made | 282 |
| Denied | 15 |
| Approved, not taken up | 23 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: American State Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 214 | Not published | $245,000 | 2.1% |
| Refinancing | 52 | Not published | $255,000 | 8.5% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 11.1% |
Where American State Bank lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sioux County, IA | 158 | Not published | 2.8% |
| Lyon County, IA | 27 | Not published | 11.4% |
| O'Brien County, IA | 15 | Not published | 0.0% |
| Minnehaha County, SD | 15 | Not published | 6.3% |
| Dickinson County, IA | 14 | Not published | 0.0% |
| Lincoln County, SD | 11 | Not published | 8.3% |
| Plymouth County, IA | 5 | Under 10 loans | 0.0% |
| Osceola County, IA | 3 | Under 10 loans | 0.0% |
| Cherokee County, IA | 2 | Under 10 loans | 60.0% |
| Clay County, IA | 2 | Under 10 loans | 0.0% |
| Marion County, IA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Boone County, IA | 1 | Under 10 loans | 0.0% |
| Buena Vista County, IA | 1 | Under 10 loans | 0.0% |
| Clinton County, IA | 1 | Under 10 loans | 0.0% |
| Franklin County, IA | 1 | Under 10 loans | 0.0% |
| Hardin County, IA | 1 | Under 10 loans | 0.0% |
| Jones County, IA | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Union County, IA | 1 | Under 10 loans | 0.0% |
| Webster County, IA | 1 | Under 10 loans | 0.0% |
| Woodbury County, IA | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Johnson County, KS | 1 | Under 10 loans | 0.0% |
| Jackson County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Sarpy County, NE | 1 | Under 10 loans | 0.0% |
| Washington County, NE | 1 | Under 10 loans | 0.0% |
| Yamhill County, OR | 1 | Under 10 loans | 0.0% |
| Charles Mix County, SD | 1 | Under 10 loans | 0.0% |
| Deuel County, SD | 1 | Under 10 loans | 0.0% |
| Hamlin County, SD | 1 | Under 10 loans | 0.0% |
| Meade County, SD | 1 | Under 10 loans | 0.0% |
| Pennington County, SD | 1 | Under 10 loans | 0.0% |
| Union County, SD | 1 | Under 10 loans | 0.0% |
| Weld County, CO | 0 | Under 10 loans | 0.0% |
| Pipestone County, MN | 0 | Under 10 loans | 100.0% |
| Gallatin County, MT | 0 | Under 10 loans | 0.0% |
| Douglas County, NE | 0 | Under 10 loans | 0.0% |
| Tulsa County, OK | 0 | Under 10 loans | Not published |
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When American State 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.