First American Bank and Trust mortgage approval rate & lending review
First American Bank and Trust decided 672 mortgage applications and funded 520 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First American Bank and Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First American Bank and Trust at a glance
Approval is 0.6 points below the 80.8% 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 | 82% | 194 / 238 | 94% | $385K | 183 |
| Home improvement loans | 71% | 61 / 86 | 97% | $85K | 59 |
| Refinance | 82% | 81 / 99 | 99% | $75K | 80 |
| Investment property purchase | 75% | 100 / 133 | 96% | $175K | 96 |
| Investment refinance | 91% | 100 / 110 | 99% | $85K | 99 |
First American Bank and Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 80% | $175K | 672 | 520 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ascension Parish, LA | Mortgage lenders | 89% | 54 | 46 |
| Orleans Parish, LA | Investment property purchase | 67% | 54 | 35 |
| St. Tammany Parish, LA | Mortgage lenders | 83% | 42 | 33 |
| Orleans Parish, LA | Investment refinance | 87% | 38 | 32 |
| Jefferson Parish, LA | Investment refinance | 96% | 28 | 27 |
| Jefferson Parish, LA | Mortgage lenders | 70% | 37 | 24 |
| Tangipahoa Parish, LA | Mortgage lenders | 86% | 29 | 23 |
| Jefferson Parish, LA | Investment property purchase | 77% | 30 | 21 |
| Jefferson Parish, LA | Refinance | 87% | 23 | 20 |
| Ascension Parish, LA | Refinance | 86% | 22 | 19 |
| Terrebonne Parish, LA | Mortgage lenders | 85% | 20 | 17 |
| Livingston Parish, LA | Mortgage lenders | 76% | 21 | 14 |
The county markets where First American Bank and Trust made the most loans. Each link opens that market with every lender ranked.
Questions about First American Bank and Trust
What is First American Bank and Trust's mortgage approval rate?
First American Bank and Trust approved 80.2% of the 672 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.6 points below the 80.8% national rate for the same mix of loan types.
How often do borrowers take the loan First American Bank and Trust offers?
Borrowers accepted 96% of the loans First American Bank and Trust 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 make?
The typical home purchase mortgage loan First American Bank and Trust made was $385K; across all loan types its typical loan ran from $75K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First American Bank and Trust lend?
First American Bank and Trust decided applications in 1 of the states Fat Boy Data covers, most of them in Louisiana.
Can I apply to First American Bank and Trust directly?
Yes. First American Bank and Trust 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'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 treats applications, then get a rate quote from the lender.