Fifth in Athens
Its share in Athens-Clarke County rose to 4.1% from 3.8%. Only United Wholesale Mortgage, PGIM Real Estate Finance, Synovus Bank and Rocket Mortgage lent more there. It has lent in the county since at least 1990.
Applications / Mortgage Analytics / Lenders / Georgia / First American Bank and Trust Company
First American Bank and Trust Company
Athens, GA · State non-member bank · FDIC · $853 million assets · 232 loans in 2025
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232
loans originated, 2025
255
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First American Bank and Trust Company ranks 5 of 316 lenders in Athens-Clarke County, and its loans are bigger than at almost every similar bank.
Bigger loans than its peers
Its typical loan, $315,000, was higher than at more than nine in ten similar lenders (state non-member banks making between half and twice as many loans), where it was $175,000. Purchases made up 54.7% of its loans and refinances 43.5%. Every loan was conventional.
Growing again, from a lower base
It made 232 loans, up 13% from 205, against 9% at similar lenders and 10% for the whole market. Five years earlier it made 754. The record does not say why its volume has fallen since.
More in poorer areas, fewer poorer borrowers
Low- and moderate-income (LMI) areas took 22.8% of its loans, against 17.5% at similar lenders, and majority-minority areas 15.1%, against 6.3%. Both shares were higher than at more than two-thirds of peers. LMI borrowers took 19.0%, against 28.1%; its larger loans are one possible reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
232 loans in 2025, against a peak of 754 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First American Bank and Trust Company took 255 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.7% · Refinance 43.5% · Home improvement 0.9% · Other 0.9%
Conventional 100.0% · of 232 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
6 states, 13 metros, 34 counties
| State | Loans | Share |
|---|---|---|
| Georgia | 221 | 95.3% |
| North Carolina | 4 | 1.7% |
| South Carolina | 4 | 1.7% |
| Florida | 1 | 0.4% |
| Montana | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Athens-Clarke County | 150 |
| Atlanta-Sandy Springs-Roswell | 28 |
| Marietta | 4 |
| Gainesville | 3 |
| Columbus | 2 |
| Hilton Head Island-Bluffton-Port Royal | 2 |
| Savannah | 2 |
| Charleston-North Charleston | 1 |
| Great Falls | 1 |
| Greenville-Anderson-Greer | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WHACUOETOKO184 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 921039 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316858 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First American Bank and Trust Company's data.
The data and the software behind these pages
First American Bank and Trust Company's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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