First American Bank and Trust Company
First American Bank and Trust Company received 255 applications in 2025 and made 232 mortgages, in 36 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $315,000. Of 243 decisions, 6 were denials — 2.5%.
| Legal Entity Identifier | 549300WHACUOETOKO184 |
|---|---|
| Applications received | 255 |
| Mortgages made | 232 |
| Denied | 6 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First American Bank and Trust Company, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 127 | Not published | $355,000 | 2.2% |
| Refinancing | 87 | Not published | $205,000 | 0.0% |
| Cash-out refinancing | 14 | Not published | $210,000 | 6.7% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 33.3% |
Where First American Bank and Trust Company lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clarke County, GA | 105 | Not published | 1.8% |
| Oconee County, GA | 34 | Not published | 0.0% |
| Barrow County, GA | 9 | Under 10 loans | 10.0% |
| Jackson County, GA | 8 | Under 10 loans | 0.0% |
| Madison County, GA | 7 | Under 10 loans | 0.0% |
| Rabun County, GA | 7 | Under 10 loans | 12.5% |
| Walton County, GA | 7 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 6 | Under 10 loans | 0.0% |
| Greene County, GA | 5 | Under 10 loans | 0.0% |
| Oglethorpe County, GA | 4 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 3 | Under 10 loans | 0.0% |
| Hall County, GA | 3 | Under 10 loans | 0.0% |
| Hart County, GA | 3 | Under 10 loans | 0.0% |
| Putnam County, GA | 3 | Under 10 loans | 0.0% |
| Macon County, NC | 3 | Under 10 loans | 25.0% |
| Chatham County, GA | 2 | Under 10 loans | 0.0% |
| Habersham County, GA | 2 | Under 10 loans | 0.0% |
| Muscogee County, GA | 2 | Under 10 loans | 0.0% |
| Beaufort County, SC | 2 | Under 10 loans | 0.0% |
| Nassau County, FL | 1 | Under 10 loans | 0.0% |
| Baldwin County, GA | 1 | Under 10 loans | 0.0% |
| Dawson County, GA | 1 | Under 10 loans | 0.0% |
| Franklin County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Lowndes County, GA | 1 | Under 10 loans | 0.0% |
| Newton County, GA | 1 | Under 10 loans | 0.0% |
| Paulding County, GA | 1 | Under 10 loans | 0.0% |
| Wilkes County, GA | 1 | Under 10 loans | 0.0% |
| Cascade County, MT | 1 | Under 10 loans | 0.0% |
| Jackson County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 0 | Under 10 loans | 0.0% |
| Morgan County, GA | 0 | Under 10 loans | 100.0% |
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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.