First American Bank
First American Bank received 4,458 applications in 2025 and made 2,588 mortgages, in 235 counties across 33 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 3,964 decisions, 1,308 were denials — 33.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | XC7Z0BA39TU7L1AKOJ12 |
|---|---|
| Applications received | 4,458 |
| Mortgages made | 2,588 |
| Denied | 1,308 |
| Approved, not taken up | 68 |
| Withdrawn or incomplete | 494 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | Yes: First American Bank, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 342 | 6.750% | $255,000 | 21.6% |
| Refinancing | 701 | 7.500% | $125,000 | 29.0% |
| Cash-out refinancing | 132 | 6.625% | $225,000 | 35.1% |
| Other purposes | 1,413 | 7.250% | $105,000 | 36.8% |
Where First American Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 862 | 7.033% | 37.5% |
| DuPage County, IL | 345 | 7.000% | 25.6% |
| Kane County, IL | 238 | 6.875% | 20.9% |
| Will County, IL | 199 | 7.250% | 33.7% |
| Lake County, IL | 194 | 7.250% | 29.8% |
| Miami-Dade County, FL | 124 | 7.000% | 32.8% |
| McHenry County, IL | 93 | 6.625% | 25.0% |
| Kenosha County, WI | 57 | 7.240% | 37.4% |
| Kankakee County, IL | 44 | 6.375% | 34.3% |
| Kendall County, IL | 40 | 7.500% | 27.3% |
| Broward County, FL | 32 | 7.183% | 50.7% |
| Milwaukee County, WI | 20 | 7.500% | 32.3% |
| Palm Beach County, FL | 18 | 7.375% | 45.5% |
| DeKalb County, IL | 13 | 6.500% | 13.3% |
| Winnebago County, IL | 13 | 6.875% | 7.1% |
| Hillsborough County, FL | 12 | 7.000% | 29.4% |
| Martin County, FL | 12 | 6.245% | 29.4% |
| Racine County, WI | 12 | 7.125% | 47.8% |
| Lake County, IN | 10 | 7.500% | 38.9% |
| Grundy County, IL | 8 | Under 10 loans | 10.0% |
| Lee County, FL | 7 | Under 10 loans | 12.5% |
| Manatee County, FL | 7 | Under 10 loans | 0.0% |
| Walworth County, WI | 7 | Under 10 loans | 12.5% |
| Waukesha County, WI | 7 | Under 10 loans | 22.2% |
| Maricopa County, AZ | 6 | Under 10 loans | 25.0% |
| San Diego County, CA | 6 | Under 10 loans | 45.5% |
| LaSalle County, IL | 5 | Under 10 loans | 16.7% |
| Berrien County, MI | 5 | Under 10 loans | 28.6% |
| Collier County, FL | 4 | Under 10 loans | 42.9% |
| Duval County, FL | 4 | Under 10 loans | 42.9% |
| Pinellas County, FL | 4 | Under 10 loans | 33.3% |
| St. Lucie County, FL | 4 | Under 10 loans | 20.0% |
| Iroquois County, IL | 4 | Under 10 loans | 0.0% |
| LaPorte County, IN | 4 | Under 10 loans | 33.3% |
| El Paso County, CO | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| Fulton County, GA | 3 | Under 10 loans | 25.0% |
| Porter County, IN | 3 | Under 10 loans | 40.0% |
| Beaufort County, SC | 3 | Under 10 loans | 40.0% |
| Williamson County, TN | 3 | Under 10 loans | 25.0% |
| Fond du Lac County, WI | 3 | Under 10 loans | 0.0% |
| Washington County, WI | 3 | Under 10 loans | 50.0% |
| Winnebago County, WI | 3 | Under 10 loans | 20.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 66.7% |
| Madera County, CA | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 2 | Under 10 loans | 0.0% |
| Pasco County, FL | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 2 | Under 10 loans | 33.3% |
| Sumter County, FL | 2 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 2 | Under 10 loans | 50.0% |
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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.