# First American Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/first-american-bank-and-trust-ga


> **📋 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


First American Bank and Trust Company is a bank, headquartered in Athens, GA, serving borrowers across 2 states, with 118 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300WHACUOETOKO184
- **Headquarters:** Athens, GA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** GA, NC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.075%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,067
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 118
- **Dollar Volume:** $43 million
- **Applications Received:** 137
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $364,322
- **Average Borrower Income:** $189,254
- **Average Property Value:** $621,949

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 115 | +0.069% | $2,092 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 92 loans, Score: 53/100 (Sound)
- Refinance: 23 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 95 | $37M | +0.091% | Sound ☺️ |
| Refinance | 49/100 | 23 | $6M | -0.006% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 117 | 0.08% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Athens | GA | 82 | 97/100 |
| Atlanta | GA | 20 | 52/100 |
| Non |  | 14 | 30/100 |

## Where This Lender Ranks

First American Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Athens for Conventional Loans
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Athens for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Athens Banks
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/banks)
- 🏆 **#4** in Athens
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does First American Bank and Trust Company offer?

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

### Where does First American Bank and Trust Company offer mortgages?

First American Bank and Trust Company offers mortgages in 2 states: GA, NC.

### How competitive are First American Bank and Trust Company's mortgage rates?

First American Bank and Trust Company has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.075% above market average.

### What type of lender is First American Bank and Trust Company?

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

### What is First American Bank and Trust Company's loan approval success rate?

First American Bank and Trust Company has a pull-through score of 54/100 (Sound). 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/first-american-bank-and-trust-ga

### How to Cite

> "First American Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-american-bank-and-trust-ga

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