# American Bank and Trust Company, National Association

> **Canonical URL:** https://saferate.com/lenders/american-bank-and-trust-company-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American Bank and Trust Company, National Association is a bank, headquartered in Davenport, IA, serving borrowers across 8 states, with 136 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300AQ83ZR1PW5DB53
- **Headquarters:** Davenport, IA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AZ, FL, IA, IL, MI, MO, NE, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.026%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,210
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 136
- **Dollar Volume:** $28 million
- **Applications Received:** 153
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $204,779
- **Average Borrower Income:** $105,360
- **Average Property Value:** $276,407

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 109 | -0.009% | $1,168 | Sound ☺️ |
| FHA | 55/100 | 12 | +0.566% | $1,741 | Sound ☺️ |
| VA | 38/100 | 11 | -0.237% | $884 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 87 loans, Score: 48/100 (Sound)
- Refinance: 22 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 111 | $23M | +0.049% | Sound ☺️ |
| Refinance | 49/100 | 25 | $4M | -0.063% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 71 | 0.06% | 64/100 |
| IA | 59 | 0.17% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Davenport | IA-IL | 116 | 83/100 |
| Non |  | 12 | 27/100 |

## Where This Lender Ranks

American Bank and Trust Company, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Davenport Banks
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks)
- 🥇 **#1** in Davenport for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Davenport for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Davenport for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Davenport
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders)
- 🏆 **#4** in Davenport for FHA Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Davenport for Conventional Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Davenport for VA Loans
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does American Bank and Trust Company, National Association offer?

American Bank and Trust Company, National Association offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Bank and Trust Company, National Association offer mortgages?

American Bank and Trust Company, National Association offers mortgages in 8 states: AZ, FL, IA, IL, MI, MO, NE, TX.

### How competitive are American Bank and Trust Company, National Association's mortgage rates?

American Bank and Trust Company, National Association has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.026% above market average.

### What type of lender is American Bank and Trust Company, National Association?

American Bank and Trust Company, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Davenport, IA.

### What is American Bank and Trust Company, National Association's loan approval success rate?

American Bank and Trust Company, National Association has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-bank-and-trust-company-national-association

### How to Cite

> "American Bank and Trust Company, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-bank-and-trust-company-national-association

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