First National Acceptance Company Mortgage Lending & HMDA Data, 2016
In 2016, First National Acceptance Company of East Lansing, MI reported 738 mortgage applications totaling $60.2 million, up 4% from 2015. The average application was for $81,504, and applicants reported an average income of $0. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (40), Dallas-Plano-Irving, TX (33) and San Antonio-New Braunfels, TX (25) (applications in parentheses).
| Mortgage Company & Address | First National Acceptance Company 241 East Saginaw/P.O. Box 980 East Lansing, MI 48826 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 738 |
| Total Mortgage Loan Application Amount | $60,150,000 |
| Average Mortgage Loan Application Amount | $81,504 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Acceptance Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 40 | $ 3,557,000 | $ 88,925 | $ 0 |
| Dallas-Plano-Irving, TX | 33 | $ 2,268,000 | $ 68,727 | $ 0 |
| San Antonio-New Braunfels, TX | 25 | $ 2,235,000 | $ 89,400 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 2,961,000 | $ 118,440 | $ 0 |
| Fort Worth-Arlington, TX | 23 | $ 1,662,000 | $ 72,260 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 19 | $ 1,574,000 | $ 82,842 | $ 0 |
| Ocala, FL | 11 | $ 902,000 | $ 82,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 10 | $ 375,000 | $ 37,500 | $ 0 |
| Lakeland-Winter Haven, FL | 10 | $ 429,000 | $ 42,900 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 1,122,000 | $ 112,200 | $ 0 |
| Brownsville-Harlingen, TX | 9 | $ 723,000 | $ 80,333 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 618,000 | $ 68,666 | $ 0 |
| Jacksonville, FL | 8 | $ 435,000 | $ 54,375 | $ 0 |
| Port St. Lucie, FL | 8 | $ 679,000 | $ 84,875 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 994,000 | $ 142,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 7 | $ 450,000 | $ 64,285 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 766,000 | $ 109,428 | $ 0 |
| Prescott, AZ | 7 | $ 481,000 | $ 68,714 | $ 0 |
| Austin-Round Rock, TX | 6 | $ 886,000 | $ 147,666 | $ 0 |
| Mobile, AL | 6 | $ 340,000 | $ 56,666 | $ 0 |
| Cape Coral-Fort Myers, FL | 5 | $ 315,000 | $ 63,000 | $ 0 |
| Columbia, SC | 5 | $ 459,000 | $ 91,800 | $ 0 |
| Homosassa Springs, FL | 5 | $ 281,000 | $ 56,200 | $ 0 |
| Killeen-Temple, TX | 5 | $ 285,000 | $ 57,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 979,000 | $ 195,800 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 938,000 | $ 187,600 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 341,000 | $ 68,200 | $ 0 |
| Abilene, TX | 4 | $ 149,000 | $ 37,250 | $ 0 |
| Augusta-Richmond County, GA-SC | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 230,000 | $ 57,500 | $ 0 |
| Corpus Christi, TX | 4 | $ 348,000 | $ 87,000 | $ 0 |
| Fresno, CA | 4 | $ 220,000 | $ 55,000 | $ 0 |
| Greensboro-High Point, NC | 4 | $ 160,000 | $ 40,000 | $ 0 |
| Joplin, MO | 4 | $ 186,000 | $ 46,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,027,000 | $ 256,750 | $ 0 |
| Midland, TX | 4 | $ 226,000 | $ 56,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 447,000 | $ 111,750 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 197,000 | $ 49,250 | $ 0 |
| Panama City, FL | 4 | $ 269,000 | $ 67,250 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 708,000 | $ 177,000 | $ 0 |
| Sherman-Denison, TX | 4 | $ 236,000 | $ 59,000 | $ 0 |
| Tulsa, OK | 4 | $ 151,000 | $ 37,750 | $ 0 |
| Winston-Salem, NC | 4 | $ 233,000 | $ 58,250 | $ 0 |
| Albany-Schenectady-Troy, NY | 3 | $ 399,000 | $ 133,000 | $ 0 |
| Bakersfield, CA | 3 | $ 218,000 | $ 72,666 | $ 0 |
| Bangor, ME | 3 | $ 221,000 | $ 73,666 | $ 0 |
| Beaumont-Port Arthur, TX | 3 | $ 117,000 | $ 39,000 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 95,000 | $ 31,666 | $ 0 |
| Chico, CA | 3 | $ 128,000 | $ 42,666 | $ 0 |
| Cincinnati, OH-KY-IN | 3 | $ 103,000 | $ 34,333 | $ 0 |
| Columbus, GA-AL | 3 | $ 234,000 | $ 78,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 202,000 | $ 67,333 | $ 0 |
| Fairbanks, AK | 3 | $ 257,000 | $ 85,666 | $ 0 |
| Fayetteville, NC | 3 | $ 207,000 | $ 69,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 241,000 | $ 80,333 | $ 0 |
| Kansas City, MO-KS | 3 | $ 85,000 | $ 28,333 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 133,000 | $ 44,333 | $ 0 |
| Portland-South Portland, ME | 3 | $ 234,000 | $ 78,000 | $ 0 |
| Rochester, NY | 3 | $ 182,000 | $ 60,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 122,000 | $ 40,666 | $ 0 |
| Tucson, AZ | 3 | $ 222,000 | $ 74,000 | $ 0 |
| Tyler, TX | 3 | $ 142,000 | $ 47,333 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 389,000 | $ 129,666 | $ 0 |
| Anchorage, AK | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Bend-Redmond, OR | 2 | $ 617,000 | $ 308,500 | $ 0 |
| Binghamton, NY | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 145,000 | $ 72,500 | $ 0 |
| Denver-Aurora-Lakewood, CO | 2 | $ 161,000 | $ 80,500 | $ 0 |
| El Paso, TX | 2 | $ 118,000 | $ 59,000 | $ 0 |
| Flagstaff, AZ | 2 | $ 249,000 | $ 124,500 | $ 0 |
| Goldsboro, NC | 2 | $ 64,000 | $ 32,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 45,000 | $ 22,500 | $ 0 |
| Kingston, NY | 2 | $ 159,000 | $ 79,500 | $ 0 |
| Laredo, TX | 2 | $ 82,000 | $ 41,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 71,000 | $ 35,500 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Nassau County-Suffolk County, NY | 2 | $ 448,000 | $ 224,000 | $ 0 |
| New Bern, NC | 2 | $ 67,000 | $ 33,500 | $ 0 |
| Pittsburgh, PA | 2 | $ 59,000 | $ 29,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 713,000 | $ 356,500 | $ 0 |
| Spokane-Spokane Valley, WA | 2 | $ 579,000 | $ 289,500 | $ 0 |
| Waco, TX | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 245,000 | $ 122,500 | $ 0 |
| Alexandria, LA | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Amarillo, TX | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Asheville, NC | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Boise City, ID | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Brunswick, GA | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Charleston, WV | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 772,000 | $ 772,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dalton, GA | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Dayton, OH | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 64,000 | $ 64,000 | $ 0 |
| El Centro, CA | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Gadsden, AL | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Gainesville, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Glens Falls, NY | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Greenville, NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hammond, LA | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Huntsville, AL | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Jackson, MS | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Jefferson City, MO | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Johnson City, TN | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Logan, UT-ID | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Longview, TX | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 511,000 | $ 511,000 | $ 0 |
| Lubbock, TX | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Macon, GA | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Madera, CA | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Manchester-Nashua, NH | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Medford, OR | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Montgomery, AL | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 90,000 | $ 90,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Odessa, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Redding, CA | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Roanoke, VA | 1 | $ 40,000 | $ 40,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 530,000 | $ 530,000 | $ 0 |
| San Rafael, CA | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Savannah, GA | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Spartanburg, SC | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Sumter, SC | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Syracuse, NY | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Tallahassee, FL | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Terre Haute, IN | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 21,000 | $ 21,000 | $ 0 |
| The Villages, FL | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Wichita, KS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wilmington, NC | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Yuma, AZ | 1 | $ 150,000 | $ 150,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Acceptance Company in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 738 | $60,150,000 | $81,000 | $995,000 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 738 | $60,150,000 | $81,000 | $995,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 738 | $60,150,000 | $81,000 | $995,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 738 | $60,150,000 | $81,000 | $995,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Acceptance Company's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Acceptance Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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