First American Bank
First American Bank received 208 applications in 2025 and made 128 mortgages, in 30 counties across 6 states. The median rate its borrowers got was 6.863% on a median loan of $245,000. Of 159 decisions, 28 were denials — 17.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005KZM1DEUYVS783 |
|---|---|
| Applications received | 208 |
| Mortgages made | 128 |
| Denied | 28 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 49 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.167 points |
| FDIC-insured bank | Yes: First American Bank, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 103 | 6.750% | $265,000 | 11.7% |
| Refinancing | 10 | 7.063% | $165,000 | 37.5% |
| Cash-out refinancing | 11 | 7.125% | $95,000 | 35.3% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 33.3% |
Where First American Bank lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Doña Ana County, NM | 38 | 6.688% | 15.2% |
| Eddy County, NM | 38 | 6.750% | 11.4% |
| Chaves County, NM | 8 | Under 10 loans | 11.1% |
| Lea County, NM | 8 | Under 10 loans | 11.1% |
| Lincoln County, NM | 7 | Under 10 loans | 0.0% |
| El Paso County, TX | 4 | Under 10 loans | 63.6% |
| Otero County, NM | 3 | Under 10 loans | 57.1% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Grant County, NM | 2 | Under 10 loans | 40.0% |
| Luna County, NM | 2 | Under 10 loans | 0.0% |
| Santa Fe County, NM | 2 | Under 10 loans | 0.0% |
| Santa Cruz County, AZ | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 1 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 1 | Under 10 loans | 0.0% |
| Sierra County, NM | 1 | Under 10 loans | 0.0% |
| Taos County, NM | 1 | Under 10 loans | 0.0% |
| Valencia County, NM | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Hartley County, TX | 1 | Under 10 loans | 0.0% |
| Lubbock County, TX | 1 | Under 10 loans | 0.0% |
| Madison County, TX | 1 | Under 10 loans | 0.0% |
| Somervell County, TX | 1 | Under 10 loans | 0.0% |
| Quay County, NM | 0 | Under 10 loans | Not published |
| St. Lawrence County, NY | 0 | Under 10 loans | Not published |
| Eastland County, TX | 0 | Under 10 loans | Not published |
| Gaines County, TX | 0 | Under 10 loans | 100.0% |
| Howard County, TX | 0 | Under 10 loans | Not published |
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When First American Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.