American Bank & Trust Company, Inc. mortgage approval rate & lending review
American Bank & Trust Company, Inc. decided 592 mortgage applications and funded 560 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions American Bank & Trust Company, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
American Bank & Trust Company, Inc. at a glance
Approval is 14.0 points above the 81.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 114 / 126 | 97% | $255K | 111 |
| Refinance | 88% | 80 / 91 | 99% | $225K | 79 |
| Investment property purchase | 100% | 205 / 205 | 99% | $185K | 202 |
| Investment cash-out refinance | 100% | 29 / 29 | 100% | $175K | 29 |
| Investment refinance | 100% | 103 / 103 | 100% | $85K | 103 |
American Bank & Trust Company, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 96% | $185K | 570 | 538 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where American Bank & Trust Company, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Warren County, KY | Investment property purchase | 100% | 191 | 188 |
| Warren County, KY | Mortgage lenders | 90% | 123 | 108 |
| Warren County, KY | Investment refinance | 100% | 98 | 98 |
| Warren County, KY | Refinance | 88% | 90 | 78 |
| Warren County, KY | Cash-out refinance | 91% | 22 | 20 |
The county markets where American Bank & Trust Company, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about American Bank & Trust Company, Inc.
What is American Bank & Trust Company, Inc.'s mortgage approval rate?
American Bank & Trust Company, Inc. approved 95.8% of the 592 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.0 points above the 81.8% national rate for the same mix of loan types.
How often do borrowers take the loan American Bank & Trust Company, Inc. offers?
Borrowers accepted 99% of the loans American Bank & Trust Company, Inc. approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does American Bank & Trust Company, Inc. make?
The typical investment property mortgage loan American Bank & Trust Company, Inc. made was $185K; across all loan types its typical loan ran from $85K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does American Bank & Trust Company, Inc. lend?
American Bank & Trust Company, Inc. decided applications in 6 of the states Fat Boy Data covers, most of them in Kentucky, Florida and Tennessee.
Can I apply to American Bank & Trust Company, Inc. directly?
Yes. American Bank & Trust Company, Inc. is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show American Bank & Trust Company, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how American Bank & Trust Company, Inc. treats applications, then get a rate quote from the lender.