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 score and performance metrics.

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 an overall pricing score of 60.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

First American Bank and Trust Company is a Bank headquartered in Athens, GA.

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First American Bank and Trust Company

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First American Bank and Trust Company has 118 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market

Explore another lender or local market

Report Card

First American Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+7.5 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

115 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

95 loans · 0.09% above market

Sound

Top 60% of lenders

3/5

Refinance

23 loans · 0.01% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Exceptional	115	97.5%	+0.069%Above	$2,092Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Exceptional

Volume115

Mix97.5%

Spread

+0.069%Above

Fees

$2,092Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Sound	Strong	95	80.5%	+0.091%Above	$2,023Fees
Refinance	Strong	Sound	—	Exceptional	23	19.5%	-0.006%Below	$2,295Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume95

Mix80.5%

Spread

+0.091%Above

Fees

$2,023Fees

Refinance

Overall

Strong

Product

Sound

Pricing—

Pull Through

Exceptional

Volume23

Mix19.5%

Spread

-0.006%Below

Fees

$2,295Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

118

Applications

137

Volume

$42 million

Pricing & Closing

Avg Rate Spread

+0.075%

vs. market APOR

Avg Net Fees

$2,067

Origination − Credits

Pullthrough Rate

86.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$364,322

Avg Borrower Income

$189,254

Avg Property Value

$621,949

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 100100+None

South2

GANC

Top Metro Areas by Place Specialization Score

Athens, GAMetro

Volume 82Mix 69.49% of portfolio

97/100

Exceptional

Atlanta, GAMetro

Volume 20Mix 16.95% of portfolio

52/100

Sound

Top States by Place Specialization Score

GeorgiaState

Volume 117Mix 99.15% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.