First American Bank and Trust Company mortgage approval rate & lending review
First American Bank and Trust Company decided 359 mortgage applications and funded 349 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First American Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First American Bank and Trust Company at a glance
Approval is 15.3 points above the 83.0% 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 | 99% | 172 / 173 | 98% | $325K | 169 |
| Refinance | 100% | 34 / 34 | 97% | $315K | 33 |
| Investment property purchase | 98% | 52 / 53 | 100% | $255K | 52 |
| Investment refinance | 100% | 71 / 71 | 100% | $115K | 71 |
First American Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 98% | $315K | 352 | 342 |
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 First American Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clarke County, GA | Mortgage lenders | 99% | 125 | 121 |
| Clarke County, GA | Investment refinance | 100% | 68 | 68 |
| Clarke County, GA | Investment property purchase | 98% | 44 | 43 |
| Clarke County, GA | Refinance | 100% | 28 | 28 |
The county markets where First American Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about First American Bank and Trust Company
What is First American Bank and Trust Company's mortgage approval rate?
First American Bank and Trust Company approved 98.3% of the 359 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan First American Bank and Trust Company offers?
Borrowers accepted 99% of the loans First American Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First American Bank and Trust Company make?
The typical home purchase mortgage loan First American Bank and Trust Company made was $325K; across all loan types its typical loan ran from $115K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First American Bank and Trust Company lend?
First American Bank and Trust Company decided applications in 4 of the states Fat Boy Data covers, most of them in Georgia, South Carolina and North Carolina.
Can I apply to First American Bank and Trust Company directly?
Yes. First American Bank and Trust Company is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First American Bank and Trust Company'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 First American Bank and Trust Company treats applications, then get a rate quote from the lender.