# First American Bank and Trust

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


> **📋 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 is a bank, headquartered in Vacherie, LA, with 150 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Z78KW88BIQNR50
- **Headquarters:** Vacherie, LA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** LA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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


### Lending Volume
- **Total Loans:** 150
- **Dollar Volume:** $45 million
- **Applications Received:** 218
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $301,000
- **Average Borrower Income:** $214,880
- **Average Property Value:** $430,733

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 144 | +0.638% | $2,138 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 99 loans, Score: 54/100 (Sound)
- Refinance: 45 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 105 | $40M | +0.200% | Sound ☺️ |
| Refinance | 58/100 | 45 | $5M | +1.240% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 150 | 0.43% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New Orleans | LA | 68 | 76/100 |
| Houma | LA | 33 | 76/100 |
| Baton Rouge, LA | LA | 31 | 59/100 |
| Slidell | LA | 10 | 49/100 |

## Where This Lender Ranks

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

### Best Overall Mortgage Lenders

- 🏆 **#5** in Houma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Houma
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders)
- 🏆 **#11** in Louisiana for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Slidell for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/slidell/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Houma for Conventional Loans
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Baton Rouge, LA Banks
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks)
- 🏆 **#15** in New Orleans Banks
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks)
- 🏆 **#15** in Baton Rouge, LA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Louisiana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Louisiana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in New Orleans for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Louisiana Banks
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/banks)

## Frequently Asked Questions

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

First American Bank and Trust 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 offer mortgages?

First American Bank and Trust offers mortgages in 1 states: LA.

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

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

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

First American Bank and Trust 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-la

### How to Cite

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

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