American Bank & Trust Company Mortgage Rates, Fees & Info
Bowling Green, KYLEI: 549300CVK4UVTLHJ0R80
Tax ID: 61-1366198
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
American Bank & Trust Company is a smaller bank specializing in Home Purchase and Refi loans. American Bank & Trust Company has a high proportion of conventional loans. Their top markets by origination volume include: Bowling Green, New York, Lexington, Owensboro, and Glasgow among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)American Bank & Trust Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
247Origination Dollar Volume (All Markets)
$68,215,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BOWLING GREEN, KY (FHA|USDA|VA) | 215 | $52,565,000 | $244,488 | $0 | 0.00% |
| Outside of Metro Areas | 12 | $4,650,000 | $387,500 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $3,390,000 | $1,695,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $1,835,000 | $1,835,000 | $0 | 0.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $1,755,000 | $1,755,000 | $0 | 0.00% |
| Glasgow, KY (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $0 | 0.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 0.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 0.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 247 | $68,215,000 | $276,174 | $0 | 0.00% |
For 2024, American Bank & Trust Company's most frequently originated type of loan was Conventional, with 247 originations.
Loan Reason
For 2024, American Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 130 originations. The 2nd most popular reason was Refi, with 74 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 247 | $68,215,000 | $276,174 | $0 | 0.00% |
For 2024, American Bank & Trust Company's most frequently cited loan duration was Other, with 247 originations.
Loan Sizing
2024 saw American Bank & Trust Company place emphasis on $100k-200k loans with 75 originations, totaling $11,405,000 in origination value.
Applicant Income
American Bank & Trust Company lent most frequently to those with incomes in the $100k-150k range, with 29 originations. The second most popular income band? $50k-75k, with 27 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 247 | $68,215,000 | $276,174 | $0 | 0.00% |
American Bank & Trust Company lent most frequently to those with DTI ratios of Exempt%, with 247 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.10%
American Bank & Trust Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination82.19%
American Bank & Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 247 | $68,215,000 | $276,174 |