First National Bank of America Mortgage Lending & HMDA Data, 2025

In 2025, First National Bank of America of East Lansing, MI reported 6,003 mortgage applications totaling $1.7 billion, down 17% from 2024. The average application was for $280,214, and applicants reported an average income of $157,785. 45% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (258), Chicago-Naperville, IL (238) and Houston-The Woodlands-Sugar Land, TX (192) (applications in parentheses).

Mortgage Company & Address First National Bank of America
241 East Saginaw
East Lansing, MI 48823
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,003
Total Mortgage Loan Application Amount $1,682,125,000
Average Mortgage Loan Application Amount $280,214
Highest Mortgage Loan Application Amount $5,995,000
Average Applicant Income $157,785
Highest Applicant Income $5,939,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First National Bank of America by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 182 $ 37,900,000 $ 208,241 $ 96,000
Harris, Texas 117 $ 22,845,000 $ 195,256 $ 139,000
Gwinnett, Georgia 108 $ 35,530,000 $ 328,981 $ 156,000
Maricopa, Arizona 98 $ 27,740,000 $ 283,061 $ 132,000
Western Connecticut Planning Region, Connecticut 81 $ 34,045,000 $ 420,308 $ 194,000
Prince George's, Maryland 76 $ 21,960,000 $ 288,947 $ 100,000
Marion, Indiana 59 $ 10,265,000 $ 173,983 $ 114,000
Clark, Nevada 59 $ 14,965,000 $ 253,644 $ 120,000
Cobb, Georgia 57 $ 14,465,000 $ 253,771 $ 123,000
Suffolk, New York 57 $ 29,055,000 $ 509,736 $ 205,000
Greater Bridgeport Planning Region, Connecticut 54 $ 17,380,000 $ 321,851 $ 164,000
Naugatuck Valley Planning Region, Connecticut 53 $ 14,735,000 $ 278,018 $ 148,000
Mecklenburg, North Carolina 50 $ 14,310,000 $ 286,200 $ 135,000
Jefferson, Kentucky 49 $ 7,755,000 $ 158,265 $ 78,000
Middlesex, Massachusetts 48 $ 23,570,000 $ 491,041 $ 251,000
Wake, North Carolina 48 $ 13,350,000 $ 278,125 $ 167,000
Jefferson, Alabama 46 $ 7,550,000 $ 164,130 $ 168,000
Johnston, North Carolina 45 $ 10,665,000 $ 237,000 $ 157,000
Montgomery, Maryland 44 $ 16,650,000 $ 378,409 $ 147,000
Ingham, Michigan 43 $ 15,865,000 $ 368,953 $ 172,000
Durham, North Carolina 42 $ 12,010,000 $ 285,952 $ 160,000
King, Washington 40 $ 16,720,000 $ 418,000 $ 209,000
Baltimore, Maryland 39 $ 9,595,000 $ 246,025 $ 90,000
South Central Connecticut Planning Region, Connecticut 38 $ 11,070,000 $ 291,315 $ 126,000
Los Angeles, California 37 $ 17,475,000 $ 472,297 $ 181,000
Dallas, Texas 37 $ 8,305,000 $ 224,459 $ 261,000
Broward, Florida 35 $ 9,275,000 $ 265,000 $ 167,000
Worcester, Massachusetts 35 $ 13,745,000 $ 392,714 $ 196,000
Riverside, California 33 $ 9,895,000 $ 299,848 $ 225,000
DeKalb, Georgia 33 $ 9,065,000 $ 274,696 $ 149,000
Pierce, Washington 33 $ 12,635,000 $ 382,878 $ 151,000
Anne Arundel, Maryland 32 $ 12,080,000 $ 377,500 $ 190,000
Lake, Illinois 31 $ 8,005,000 $ 258,225 $ 147,000
Kent, Michigan 31 $ 6,565,000 $ 211,774 $ 100,000
Berkeley, South Carolina 31 $ 8,005,000 $ 258,225 $ 295,000
Baltimore City, Maryland 30 $ 5,540,000 $ 184,666 $ 85,000
San Bernardino, California 29 $ 9,765,000 $ 336,724 $ 137,000
Miami-Dade, Florida 29 $ 9,145,000 $ 315,344 $ 247,000
Nassau, New York 29 $ 15,205,000 $ 524,310 $ 193,000
Shelby, Tennessee 29 $ 6,895,000 $ 237,758 $ 133,000
Beaufort, South Carolina 28 $ 8,810,000 $ 314,642 $ 203,000
Will, Illinois 27 $ 5,185,000 $ 192,037 $ 72,000
Adams, Colorado 26 $ 10,040,000 $ 386,153 $ 190,000
Palm Beach, Florida 26 $ 9,250,000 $ 355,769 $ 184,000
Fairfax, Virginia 26 $ 11,860,000 $ 456,153 $ 125,000
Capitol Planning Region, Connecticut 25 $ 6,105,000 $ 244,200 $ 117,000
Hillsborough, Florida 25 $ 6,885,000 $ 275,400 $ 243,000
Davidson, Tennessee 24 $ 7,590,000 $ 316,250 $ 117,000
Shelby, Alabama 23 $ 5,075,000 $ 220,652 $ 111,000
Orange, Florida 23 $ 8,405,000 $ 365,434 $ 301,000
Clinton, Michigan 23 $ 4,905,000 $ 213,260 $ 97,000
Bexar, Texas 23 $ 4,255,000 $ 185,000 $ 93,000
Weld, Colorado 22 $ 8,610,000 $ 391,363 $ 187,000
Kane, Illinois 22 $ 4,880,000 $ 221,818 $ 141,000
Fort Bend, Texas 22 $ 6,680,000 $ 303,636 $ 184,000
Contra Costa, California 21 $ 7,755,000 $ 369,285 $ 96,000
Fresno, California 21 $ 6,075,000 $ 289,285 $ 93,000
Henry, Georgia 21 $ 4,555,000 $ 216,904 $ 196,000
Cumberland, New Jersey 21 $ 4,295,000 $ 204,523 $ 96,000
Arapahoe, Colorado 20 $ 7,630,000 $ 381,500 $ 221,000
Fayette, Kentucky 20 $ 4,730,000 $ 236,500 $ 98,000
Montgomery, Pennsylvania 20 $ 5,250,000 $ 262,500 $ 118,000
Essex, Massachusetts 19 $ 11,875,000 $ 625,000 $ 202,000
Alamance, North Carolina 19 $ 5,185,000 $ 272,894 $ 187,000
Franklin, Ohio 19 $ 3,835,000 $ 201,842 $ 94,000
Montgomery, Texas 19 $ 3,595,000 $ 189,210 $ 135,000
Pasco, Florida 18 $ 3,540,000 $ 196,666 $ 151,000
East Baton Rouge, Louisiana 18 $ 4,380,000 $ 243,333 $ 160,000
Eaton, Michigan 18 $ 6,500,000 $ 361,111 $ 84,000
Philadelphia, Pennsylvania 18 $ 3,990,000 $ 221,666 $ 137,000
Rutherford, Tennessee 18 $ 5,800,000 $ 322,222 $ 171,000
Tarrant, Texas 18 $ 5,110,000 $ 283,888 $ 282,000
Kern, California 17 $ 3,975,000 $ 233,823 $ 73,000
San Diego, California 17 $ 9,345,000 $ 549,705 $ 169,000
Fulton, Georgia 17 $ 3,915,000 $ 230,294 $ 166,000
Camden, New Jersey 17 $ 3,325,000 $ 195,588 $ 92,000
Union, North Carolina 17 $ 5,555,000 $ 326,764 $ 205,000
Delaware, Pennsylvania 17 $ 3,765,000 $ 221,470 $ 90,000
Chesterfield, Virginia 17 $ 4,165,000 $ 245,000 $ 130,000
Henrico, Virginia 17 $ 5,115,000 $ 300,882 $ 106,000
Madera, California 16 $ 4,700,000 $ 293,750 $ 92,000
Sacramento, California 16 $ 5,700,000 $ 356,250 $ 228,000
San Joaquin, California 16 $ 5,700,000 $ 356,250 $ 308,000
Marion, Florida 16 $ 6,090,000 $ 380,625 $ 275,000
DuPage, Illinois 16 $ 3,000,000 $ 187,500 $ 90,000
Gaston, North Carolina 16 $ 2,810,000 $ 175,625 $ 117,000
Snohomish, Washington 16 $ 7,500,000 $ 468,750 $ 193,000
Yavapai, Arizona 15 $ 3,455,000 $ 230,333 $ 167,000
Tulare, California 15 $ 3,515,000 $ 234,333 $ 103,000
Lee, Florida 15 $ 3,535,000 $ 235,666 $ 132,000
Hall, Georgia 15 $ 4,365,000 $ 291,000 $ 104,000
Jefferson, Louisiana 15 $ 3,075,000 $ 205,000 $ 109,000
Plymouth, Massachusetts 15 $ 7,165,000 $ 477,666 $ 178,000
Mercer, New Jersey 15 $ 4,215,000 $ 281,000 $ 98,000
Morris, New Jersey 15 $ 5,315,000 $ 354,333 $ 186,000
Horry, South Carolina 15 $ 3,315,000 $ 221,000 $ 186,000
Denver, Colorado 14 $ 5,830,000 $ 416,428 $ 220,000
New Castle, Delaware 14 $ 4,210,000 $ 300,714 $ 117,000
Polk, Florida 14 $ 2,770,000 $ 197,857 $ 116,000
Cherokee, Georgia 14 $ 6,560,000 $ 468,571 $ 506,000
Clayton, Georgia 14 $ 2,590,000 $ 185,000 $ 97,000
Orleans, Louisiana 14 $ 2,380,000 $ 170,000 $ 88,000
Barnstable, Massachusetts 14 $ 6,000,000 $ 428,571 $ 152,000
Bristol, Massachusetts 14 $ 6,200,000 $ 442,857 $ 200,000
Jackson, Missouri 14 $ 1,830,000 $ 130,714 $ 136,000
Marion, Oregon 14 $ 4,120,000 $ 294,285 $ 98,000
Washington, Oregon 14 $ 6,230,000 $ 445,000 $ 158,000
Allegheny, Pennsylvania 14 $ 1,950,000 $ 139,285 $ 78,000
Lexington, South Carolina 14 $ 2,520,000 $ 180,000 $ 203,000
Denton, Texas 14 $ 3,830,000 $ 273,571 $ 144,000
Salt Lake, Utah 14 $ 5,040,000 $ 360,000 $ 108,000
Pima, Arizona 13 $ 1,815,000 $ 139,615 $ 95,000
Pinal, Arizona 13 $ 2,115,000 $ 162,692 $ 82,000
Sonoma, California 13 $ 6,535,000 $ 502,692 $ 143,000
Pinellas, Florida 13 $ 3,095,000 $ 238,076 $ 102,000
Walton, Florida 13 $ 3,785,000 $ 291,153 $ 125,000
Atlantic, New Jersey 13 $ 3,655,000 $ 281,153 $ 153,000
Monmouth, New Jersey 13 $ 6,355,000 $ 488,846 $ 208,000
Ocean, New Jersey 13 $ 5,095,000 $ 391,923 $ 133,000
Queens, New York 13 $ 6,765,000 $ 520,384 $ 158,000
Westchester, New York 13 $ 6,355,000 $ 488,846 $ 189,000
Multnomah, Oregon 13 $ 5,185,000 $ 398,846 $ 98,000
Jasper, South Carolina 13 $ 3,415,000 $ 262,692 $ 183,000
Travis, Texas 13 $ 3,565,000 $ 274,230 $ 91,000
Norfolk, Virginia 13 $ 2,995,000 $ 230,384 $ 91,000
Merced, California 12 $ 3,700,000 $ 308,333 $ 91,000
Solano, California 12 $ 4,250,000 $ 354,166 $ 121,000
Sussex, Delaware 12 $ 2,780,000 $ 231,666 $ 109,000
Sarasota, Florida 12 $ 4,620,000 $ 385,000 $ 95,000
Volusia, Florida 12 $ 2,590,000 $ 215,833 $ 134,000
McHenry, Illinois 12 $ 3,740,000 $ 311,666 $ 163,000
Oakland, Michigan 12 $ 3,180,000 $ 265,000 $ 139,000
Union, New Jersey 12 $ 5,630,000 $ 469,166 $ 204,000
Harnett, North Carolina 12 $ 3,340,000 $ 278,333 $ 175,000
Charleston, South Carolina 12 $ 3,100,000 $ 258,333 $ 137,000
Hays, Texas 12 $ 3,640,000 $ 303,333 $ 143,000
Prince William, Virginia 12 $ 5,270,000 $ 439,166 $ 129,000
St. Lucie, Florida 11 $ 2,765,000 $ 251,363 $ 118,000
Douglas, Georgia 11 $ 2,235,000 $ 203,181 $ 183,000
Walton, Georgia 11 $ 3,875,000 $ 352,272 $ 175,000
Sedgwick, Kansas 11 $ 2,605,000 $ 236,818 $ 110,000
Burlington, New Jersey 11 $ 3,115,000 $ 283,181 $ 138,000
Essex, New Jersey 11 $ 4,795,000 $ 435,909 $ 338,000
Orange, New York 11 $ 3,235,000 $ 294,090 $ 144,000
Granville, North Carolina 11 $ 3,085,000 $ 280,454 $ 179,000
Guilford, North Carolina 11 $ 3,105,000 $ 282,272 $ 195,000
Hamilton, Ohio 11 $ 1,885,000 $ 171,363 $ 123,000
York, South Carolina 11 $ 2,185,000 $ 198,636 $ 144,000
Collin, Texas 11 $ 3,335,000 $ 303,181 $ 147,000
Galveston, Texas 11 $ 2,155,000 $ 195,909 $ 174,000
Duval, Florida 10 $ 2,110,000 $ 211,000 $ 436,000
Osceola, Florida 10 $ 2,710,000 $ 271,000 $ 211,000
Chatham, Georgia 10 $ 2,980,000 $ 298,000 $ 180,000
St. Tammany, Louisiana 10 $ 1,910,000 $ 191,000 $ 110,000
Washoe, Nevada 10 $ 2,580,000 $ 258,000 $ 101,000
Forsyth, North Carolina 10 $ 2,720,000 $ 272,000 $ 201,000
Knox, Tennessee 10 $ 1,820,000 $ 182,000 $ 74,000
Williamson, Texas 10 $ 3,140,000 $ 314,000 $ 141,000
Matanuska-Susitna, Alaska 9 $ 1,105,000 $ 122,777 $ 229,000
Northwest Hills Planning Region, Connecticut 9 $ 2,045,000 $ 227,222 $ 85,000
Southeastern Connecticut Planning Region, Connecticut 9 $ 1,805,000 $ 200,555 $ 100,000
Lake, Florida 9 $ 3,065,000 $ 340,555 $ 247,000
Wyandotte, Kansas 9 $ 1,305,000 $ 145,000 $ 60,000
Howard, Maryland 9 $ 3,385,000 $ 376,111 $ 192,000
Washington, Maryland 9 $ 2,185,000 $ 242,777 $ 128,000
Bergen, New Jersey 9 $ 2,875,000 $ 319,444 $ 107,000
Brunswick, North Carolina 9 $ 1,785,000 $ 198,333 $ 300,000
Cabarrus, North Carolina 9 $ 3,105,000 $ 345,000 $ 238,000
New Hanover, North Carolina 9 $ 3,025,000 $ 336,111 $ 319,000
Lane, Oregon 9 $ 2,825,000 $ 313,888 $ 135,000
Chester, Pennsylvania 9 $ 3,375,000 $ 375,000 $ 86,000
Dorchester, South Carolina 9 $ 3,195,000 $ 355,000 $ 293,000
Greenville, South Carolina 9 $ 2,305,000 $ 256,111 $ 143,000
Hamilton, Tennessee 9 $ 1,995,000 $ 221,666 $ 216,000
Wilson, Tennessee 9 $ 2,325,000 $ 258,333 $ 173,000
Johnson, Texas 9 $ 2,865,000 $ 318,333 $ 375,000
Liberty, Texas 9 $ 1,005,000 $ 111,666 $ 190,000
Richmond City, Virginia 9 $ 1,805,000 $ 200,555 $ 78,000
Mohave, Arizona 8 $ 1,240,000 $ 155,000 $ 171,000
Alameda, California 8 $ 5,910,000 $ 738,750 $ 160,000
District of Columbia, District Of Columbia 8 $ 3,080,000 $ 385,000 $ 163,000
Brevard, Florida 8 $ 1,870,000 $ 233,750 $ 124,000
St. Johns, Florida 8 $ 2,130,000 $ 266,250 $ 92,000
Bartow, Georgia 8 $ 2,490,000 $ 311,250 $ 101,000
Forsyth, Georgia 8 $ 2,550,000 $ 318,750 $ 125,000
Hawaii, Hawaii 8 $ 1,330,000 $ 166,250 $ 0
Wicomico, Maryland 8 $ 2,040,000 $ 255,000 $ 127,000
St. Louis, Missouri 8 $ 1,670,000 $ 208,750 $ 361,000
Richmond, New York 8 $ 4,250,000 $ 531,250 $ 145,000
Catawba, North Carolina 8 $ 1,270,000 $ 158,750 $ 51,000
Franklin, North Carolina 8 $ 1,950,000 $ 243,750 $ 185,000
Orange, North Carolina 8 $ 2,200,000 $ 275,000 $ 129,000
Tulsa, Oklahoma 8 $ 1,120,000 $ 140,000 $ 47,000
Richland, South Carolina 8 $ 1,190,000 $ 148,750 $ 99,000
Spartanburg, South Carolina 8 $ 1,870,000 $ 233,750 $ 108,000
Sevier, Tennessee 8 $ 1,920,000 $ 240,000 $ 286,000
Brazoria, Texas 8 $ 1,840,000 $ 230,000 $ 220,000
Hidalgo, Texas 8 $ 640,000 $ 80,000 $ 164,000
Hunt, Texas 8 $ 3,020,000 $ 377,500 $ 380,000
McLennan, Texas 8 $ 1,310,000 $ 163,750 $ 0
Utah, Utah 8 $ 3,730,000 $ 466,250 $ 244,000
Clark, Washington 8 $ 3,070,000 $ 383,750 $ 144,000
Tuscaloosa, Alabama 7 $ 1,545,000 $ 220,714 $ 103,000
Coconino, Arizona 7 $ 5,835,000 $ 833,571 $ 1,692,000
Clay, Florida 7 $ 1,915,000 $ 273,571 $ 144,000
Manatee, Florida 7 $ 1,675,000 $ 239,285 $ 99,000
Muscogee, Georgia 7 $ 745,000 $ 106,428 $ 286,000
Newton, Georgia 7 $ 2,415,000 $ 345,000 $ 184,000
Paulding, Georgia 7 $ 1,765,000 $ 252,142 $ 83,000
Rockdale, Georgia 7 $ 2,085,000 $ 297,857 $ 144,000
Hamilton, Indiana 7 $ 2,555,000 $ 365,000 $ 111,000
Lake, Indiana 7 $ 1,835,000 $ 262,142 $ 59,000
Hampden, Massachusetts 7 $ 2,155,000 $ 307,857 $ 191,000
Gloucester, New Jersey 7 $ 1,635,000 $ 233,571 $ 90,000
Passaic, New Jersey 7 $ 2,665,000 $ 380,714 $ 162,000
Edgecombe, North Carolina 7 $ 795,000 $ 113,571 $ 106,000
Pender, North Carolina 7 $ 3,455,000 $ 493,571 $ 309,000
Potter, Texas 7 $ 845,000 $ 120,714 $ 348,000
Roanoke City, Virginia 7 $ 1,375,000 $ 196,428 $ 145,000
Baldwin, Alabama 6 $ 1,560,000 $ 260,000 $ 121,000
Madison, Alabama 6 $ 710,000 $ 118,333 $ 115,000
Marin, California 6 $ 3,520,000 $ 586,666 $ 202,000
Mendocino, California 6 $ 1,600,000 $ 266,666 $ 90,000
Santa Barbara, California 6 $ 3,070,000 $ 511,666 $ 181,000
Santa Clara, California 6 $ 4,330,000 $ 721,666 $ 226,000
El Paso, Colorado 6 $ 1,770,000 $ 295,000 $ 220,000
Pueblo, Colorado 6 $ 510,000 $ 85,000 $ 307,000
Bay, Florida 6 $ 840,000 $ 140,000 $ 365,000
Indian River, Florida 6 $ 1,040,000 $ 173,333 $ 0
Levy, Florida 6 $ 980,000 $ 163,333 $ 87,000
Monroe, Florida 6 $ 3,330,000 $ 555,000 $ 501,000
Effingham, Georgia 6 $ 1,270,000 $ 211,666 $ 89,000
Jackson, Georgia 6 $ 4,130,000 $ 688,333 $ 1,496,000
Kankakee, Illinois 6 $ 950,000 $ 158,333 $ 102,000
Winnebago, Illinois 6 $ 970,000 $ 161,666 $ 85,000
Allen, Indiana 6 $ 870,000 $ 145,000 $ 86,000
Carroll, Maryland 6 $ 2,270,000 $ 378,333 $ 131,000
Charles, Maryland 6 $ 1,980,000 $ 330,000 $ 191,000
Kalamazoo, Michigan 6 $ 1,540,000 $ 256,666 $ 135,000
Hennepin, Minnesota 6 $ 1,310,000 $ 218,333 $ 86,000
DeSoto, Mississippi 6 $ 1,260,000 $ 210,000 $ 78,000
Harrison, Mississippi 6 $ 970,000 $ 161,666 $ 113,000
Hillsborough, New Hampshire 6 $ 2,090,000 $ 348,333 $ 121,000
Onondaga, New York 6 $ 780,000 $ 130,000 $ 177,000
Cuyahoga, Ohio 6 $ 840,000 $ 140,000 $ 87,000
Licking, Ohio 6 $ 1,830,000 $ 305,000 $ 156,000
Oklahoma, Oklahoma 6 $ 1,020,000 $ 170,000 $ 107,000
Bucks, Pennsylvania 6 $ 2,210,000 $ 368,333 $ 358,000
Monroe, Pennsylvania 6 $ 1,650,000 $ 275,000 $ 152,000
Bastrop, Texas 6 $ 1,870,000 $ 311,666 $ 196,000
Cameron, Texas 6 $ 600,000 $ 100,000 $ 47,000
Kaufman, Texas 6 $ 1,480,000 $ 246,666 $ 122,000
Frederick, Virginia 6 $ 1,420,000 $ 236,666 $ 64,000
Loudoun, Virginia 6 $ 3,040,000 $ 506,666 $ 165,000
Spotsylvania, Virginia 6 $ 1,850,000 $ 308,333 $ 135,000
Mason, Washington 6 $ 1,270,000 $ 211,666 $ 86,000
Yakima, Washington 6 $ 1,230,000 $ 205,000 $ 123,000
Larimer, Colorado 5 $ 2,485,000 $ 497,000 $ 259,000
Mesa, Colorado 5 $ 1,785,000 $ 357,000 $ 377,000
Escambia, Florida 5 $ 865,000 $ 173,000 $ 70,000
Clark, Indiana 5 $ 755,000 $ 151,000 $ 84,000
York, Maine 5 $ 1,345,000 $ 269,000 $ 120,000
Frederick, Maryland 5 $ 1,985,000 $ 397,000 $ 108,000
Norfolk, Massachusetts 5 $ 2,155,000 $ 431,000 $ 168,000
Suffolk, Massachusetts 5 $ 2,575,000 $ 515,000 $ 169,000
Ionia, Michigan 5 $ 1,115,000 $ 223,000 $ 59,000
Wayne, Michigan 5 $ 595,000 $ 119,000 $ 90,000
Douglas, Nebraska 5 $ 995,000 $ 199,000 $ 66,000
Somerset, New Jersey 5 $ 1,855,000 $ 371,000 $ 114,000
Warren, New Jersey 5 $ 2,045,000 $ 409,000 $ 232,000
Dutchess, New York 5 $ 875,000 $ 175,000 $ 76,000
Putnam, New York 5 $ 2,075,000 $ 415,000 $ 207,000
Buncombe, North Carolina 5 $ 1,455,000 $ 291,000 $ 58,000
Chatham, North Carolina 5 $ 1,745,000 $ 349,000 $ 203,000
Davidson, North Carolina 5 $ 785,000 $ 157,000 $ 68,000
Iredell, North Carolina 5 $ 1,345,000 $ 269,000 $ 170,000
Person, North Carolina 5 $ 1,655,000 $ 331,000 $ 183,000
Randolph, North Carolina 5 $ 1,055,000 $ 211,000 $ 164,000
Vance, North Carolina 5 $ 715,000 $ 143,000 $ 174,000
Clackamas, Oregon 5 $ 2,415,000 $ 483,000 $ 192,000
Deschutes, Oregon 5 $ 2,285,000 $ 457,000 $ 332,000
Jackson, Oregon 5 $ 1,725,000 $ 345,000 $ 463,000
Anderson, Tennessee 5 $ 1,675,000 $ 335,000 $ 87,000
Bradley, Tennessee 5 $ 1,685,000 $ 337,000 $ 191,000
Maury, Tennessee 5 $ 1,385,000 $ 277,000 $ 141,000
Sumner, Tennessee 5 $ 1,855,000 $ 371,000 $ 395,000
Jefferson, Texas 5 $ 605,000 $ 121,000 $ 183,000
Parker, Texas 5 $ 5,095,000 $ 1,019,000 $ 374,000
Van Zandt, Texas 5 $ 785,000 $ 157,000 $ 40,000
Washington, Utah 5 $ 875,000 $ 175,000 $ 74,000
Hanover, Virginia 5 $ 1,285,000 $ 257,000 $ 108,000
Stafford, Virginia 5 $ 2,345,000 $ 469,000 $ 791,000
Kanawha, West Virginia 5 $ 375,000 $ 75,000 $ 59,000
Limestone, Alabama 4 $ 750,000 $ 187,500 $ 94,000
Kenai Peninsula, Alaska 4 $ 670,000 $ 167,500 $ 0
Yuma, Arizona 4 $ 450,000 $ 112,500 $ 105,000
San Francisco, California 4 $ 2,510,000 $ 627,500 $ 149,000
Summit, Colorado 4 $ 2,050,000 $ 512,500 $ 241,000
Lower Connecticut River Valley Planning Region, Connecticut 4 $ 2,050,000 $ 512,500 $ 202,000
Charlotte, Florida 4 $ 950,000 $ 237,500 $ 253,000
Citrus, Florida 4 $ 570,000 $ 142,500 $ 94,000
Hernando, Florida 4 $ 1,210,000 $ 302,500 $ 161,000
Santa Rosa, Florida 4 $ 1,780,000 $ 445,000 $ 621,000
Sumter, Florida 4 $ 770,000 $ 192,500 $ 159,000
Barrow, Georgia 4 $ 1,110,000 $ 277,500 $ 92,000
Bibb, Georgia 4 $ 560,000 $ 140,000 $ 108,000
Spalding, Georgia 4 $ 920,000 $ 230,000 $ 196,000
Kendall, Illinois 4 $ 1,400,000 $ 350,000 $ 148,000
Monroe, Indiana 4 $ 800,000 $ 200,000 $ 68,000
Johnson, Kansas 4 $ 980,000 $ 245,000 $ 114,000
Penobscot, Maine 4 $ 740,000 $ 185,000 $ 105,000
Harford, Maryland 4 $ 1,310,000 $ 327,500 $ 122,000
St. Mary's, Maryland 4 $ 1,050,000 $ 262,500 $ 78,000
Arenac, Michigan 4 $ 360,000 $ 90,000 $ 59,000
Barry, Michigan 4 $ 1,330,000 $ 332,500 $ 118,000
Genesee, Michigan 4 $ 320,000 $ 80,000 $ 86,000
Muskegon, Michigan 4 $ 500,000 $ 125,000 $ 77,000
Van Buren, Michigan 4 $ 410,000 $ 102,500 $ 58,000
Wexford, Michigan 4 $ 430,000 $ 107,500 $ 42,000
Lyon, Nevada 4 $ 790,000 $ 197,500 $ 135,000
Nye, Nevada 4 $ 700,000 $ 175,000 $ 92,000
Grafton, New Hampshire 4 $ 760,000 $ 190,000 $ 116,000
Middlesex, New Jersey 4 $ 1,320,000 $ 330,000 $ 124,000
Salem, New Jersey 4 $ 940,000 $ 235,000 $ 255,000
Monroe, New York 4 $ 530,000 $ 132,500 $ 61,000
New York, New York 4 $ 2,230,000 $ 557,500 $ 180,000
Lee, North Carolina 4 $ 1,150,000 $ 287,500 $ 121,000
Nash, North Carolina 4 $ 810,000 $ 202,500 $ 199,000
Pitt, North Carolina 4 $ 650,000 $ 162,500 $ 145,000
Rockingham, North Carolina 4 $ 820,000 $ 205,000 $ 311,000
Butler, Ohio 4 $ 590,000 $ 147,500 $ 58,000
Stark, Ohio 4 $ 450,000 $ 112,500 $ 46,000
Luzerne, Pennsylvania 4 $ 540,000 $ 135,000 $ 137,000
Providence, Rhode Island 4 $ 1,320,000 $ 330,000 $ 126,000
Blount, Tennessee 4 $ 1,080,000 $ 270,000 $ 73,000
Montgomery, Tennessee 4 $ 830,000 $ 207,500 $ 88,000
Brazos, Texas 4 $ 410,000 $ 102,500 $ 107,000
Guadalupe, Texas 4 $ 840,000 $ 210,000 $ 102,000
Hood, Texas 4 $ 620,000 $ 155,000 $ 60,000
Roanoke, Virginia 4 $ 920,000 $ 230,000 $ 408,000
Skagit, Washington 4 $ 1,060,000 $ 265,000 $ 116,000
Spokane, Washington 4 $ 810,000 $ 202,500 $ 55,000
Thurston, Washington 4 $ 1,050,000 $ 262,500 $ 317,000
Milwaukee, Wisconsin 4 $ 760,000 $ 190,000 $ 110,000
Franklin, Alabama 3 $ 555,000 $ 185,000 $ 51,000
Morgan, Alabama 3 $ 365,000 $ 121,666 $ 171,000
Anchorage, Alaska 3 $ 355,000 $ 118,333 $ 0
Fairbanks North Star, Alaska 3 $ 305,000 $ 101,666 $ 0
Cochise, Arizona 3 $ 465,000 $ 155,000 $ 33,000
Graham, Arizona 3 $ 465,000 $ 155,000 $ 77,000
Navajo, Arizona 3 $ 315,000 $ 105,000 $ 34,000
Butte, California 3 $ 1,025,000 $ 341,666 $ 0
Humboldt, California 3 $ 1,025,000 $ 341,666 $ 105,000
Nevada, California 3 $ 835,000 $ 278,333 $ 583,000
Orange, California 3 $ 1,675,000 $ 558,333 $ 175,000
Placer, California 3 $ 1,165,000 $ 388,333 $ 145,000
San Mateo, California 3 $ 955,000 $ 318,333 $ 131,000
Santa Cruz, California 3 $ 1,165,000 $ 388,333 $ 154,000
Ventura, California 3 $ 675,000 $ 225,000 $ 328,000
Delta, Colorado 3 $ 305,000 $ 101,666 $ 78,000
Douglas, Colorado 3 $ 2,275,000 $ 758,333 $ 2,398,000
Garfield, Colorado 3 $ 1,305,000 $ 435,000 $ 251,000
Jefferson, Colorado 3 $ 935,000 $ 311,666 $ 133,000
Alachua, Florida 3 $ 465,000 $ 155,000 $ 364,000
Dixie, Florida 3 $ 275,000 $ 91,666 $ 25,000
Flagler, Florida 3 $ 775,000 $ 258,333 $ 116,000
Martin, Florida 3 $ 765,000 $ 255,000 $ 60,000
Okaloosa, Florida 3 $ 915,000 $ 305,000 $ 107,000
Okeechobee, Florida 3 $ 425,000 $ 141,666 $ 0
Carroll, Georgia 3 $ 855,000 $ 285,000 $ 138,000
Columbia, Georgia 3 $ 355,000 $ 118,333 $ 74,000
Dougherty, Georgia 3 $ 295,000 $ 98,333 $ 40,000
Habersham, Georgia 3 $ 1,595,000 $ 531,666 $ 52,000
Union, Georgia 3 $ 315,000 $ 105,000 $ 64,000
Bingham, Idaho 3 $ 765,000 $ 255,000 $ 119,000
LaPorte, Indiana 3 $ 445,000 $ 148,333 $ 72,000
Vanderburgh, Indiana 3 $ 245,000 $ 81,666 $ 69,000
Barren, Kentucky 3 $ 385,000 $ 128,333 $ 114,000
Shelby, Kentucky 3 $ 565,000 $ 188,333 $ 90,000
Warren, Kentucky 3 $ 625,000 $ 208,333 $ 92,000
Ascension, Louisiana 3 $ 425,000 $ 141,666 $ 219,000
Calcasieu, Louisiana 3 $ 355,000 $ 118,333 $ 156,000
Ouachita, Louisiana 3 $ 325,000 $ 108,333 $ 0
Allegan, Michigan 3 $ 635,000 $ 211,666 $ 207,000
Mason, Michigan 3 $ 1,185,000 $ 395,000 $ 238,000
Montcalm, Michigan 3 $ 2,125,000 $ 708,333 $ 140,000
Newaygo, Michigan 3 $ 665,000 $ 221,666 $ 110,000
Ottawa, Michigan 3 $ 745,000 $ 248,333 $ 116,000
Saginaw, Michigan 3 $ 415,000 $ 138,333 $ 221,000
Anoka, Minnesota 3 $ 385,000 $ 128,333 $ 175,000
Jackson, Mississippi 3 $ 285,000 $ 95,000 $ 39,000
Clay, Missouri 3 $ 675,000 $ 225,000 $ 90,000
Strafford, New Hampshire 3 $ 815,000 $ 271,666 $ 71,000
Cape May, New Jersey 3 $ 1,015,000 $ 338,333 $ 87,000
Hudson, New Jersey 3 $ 1,445,000 $ 481,666 $ 312,000
Sussex, New Jersey 3 $ 1,435,000 $ 478,333 $ 475,000
Delaware, New York 3 $ 825,000 $ 275,000 $ 288,000
Erie, New York 3 $ 395,000 $ 131,666 $ 217,000
Oneida, New York 3 $ 415,000 $ 138,333 $ 64,000
Saratoga, New York 3 $ 495,000 $ 165,000 $ 0
Cleveland, North Carolina 3 $ 525,000 $ 175,000 $ 106,000
Craven, North Carolina 3 $ 635,000 $ 211,666 $ 132,000
Hoke, North Carolina 3 $ 475,000 $ 158,333 $ 166,000
Rowan, North Carolina 3 $ 815,000 $ 271,666 $ 169,000
Stanly, North Carolina 3 $ 1,025,000 $ 341,666 $ 339,000
Lorain, Ohio 3 $ 795,000 $ 265,000 $ 143,000
Summit, Ohio 3 $ 885,000 $ 295,000 $ 300,000
Trumbull, Ohio 3 $ 245,000 $ 81,666 $ 46,000
Canadian, Oklahoma 3 $ 395,000 $ 131,666 $ 199,000
Coos, Oregon 3 $ 1,085,000 $ 361,666 $ 155,000
Linn, Oregon 3 $ 1,045,000 $ 348,333 $ 121,000
Berks, Pennsylvania 3 $ 415,000 $ 138,333 $ 68,000
Lehigh, Pennsylvania 3 $ 835,000 $ 278,333 $ 320,000
Schuylkill, Pennsylvania 3 $ 365,000 $ 121,666 $ 57,000
Florence, South Carolina 3 $ 885,000 $ 295,000 $ 100,000
Pickens, South Carolina 3 $ 2,005,000 $ 668,333 $ 1,199,000
Bedford, Tennessee 3 $ 1,125,000 $ 375,000 $ 130,000
Marshall, Tennessee 3 $ 665,000 $ 221,666 $ 48,000
Williamson, Tennessee 3 $ 1,065,000 $ 355,000 $ 128,000
Comal, Texas 3 $ 615,000 $ 205,000 $ 160,000
Ellis, Texas 3 $ 675,000 $ 225,000 $ 75,000
Grayson, Texas 3 $ 1,025,000 $ 341,666 $ 258,000
Henderson, Texas 3 $ 345,000 $ 115,000 $ 62,000
Lubbock, Texas 3 $ 525,000 $ 175,000 $ 160,000
Midland, Texas 3 $ 775,000 $ 258,333 $ 76,000
San Jacinto, Texas 3 $ 305,000 $ 101,666 $ 125,000
Waller, Texas 3 $ 735,000 $ 245,000 $ 141,000
Chesapeake, Virginia 3 $ 785,000 $ 261,666 $ 144,000
Culpeper, Virginia 3 $ 1,085,000 $ 361,666 $ 246,000
James City, Virginia 3 $ 795,000 $ 265,000 $ 84,000
Newport News, Virginia 3 $ 575,000 $ 191,666 $ 69,000
Virginia Beach, Virginia 3 $ 815,000 $ 271,666 $ 136,000
Grant, Washington 3 $ 495,000 $ 165,000 $ 63,000
Kitsap, Washington 3 $ 1,115,000 $ 371,666 $ 180,000
Pacific, Washington 3 $ 925,000 $ 308,333 $ 436,000
Jefferson, West Virginia 3 $ 725,000 $ 241,666 $ 90,000
Chilton, Alabama 2 $ 290,000 $ 145,000 $ 132,000
Etowah, Alabama 2 $ 320,000 $ 160,000 $ 95,000
Lee, Alabama 2 $ 510,000 $ 255,000 $ 108,000
Marshall, Alabama 2 $ 300,000 $ 150,000 $ 115,000
Apache, Arizona 2 $ 240,000 $ 120,000 $ 0
Calaveras, California 2 $ 350,000 $ 175,000 $ 166,000
Del Norte, California 2 $ 370,000 $ 185,000 $ 0
El Dorado, California 2 $ 820,000 $ 410,000 $ 94,000
Inyo, California 2 $ 230,000 $ 115,000 $ 0
Lake, California 2 $ 260,000 $ 130,000 $ 35,000
Lassen, California 2 $ 190,000 $ 95,000 $ 172,000
Monterey, California 2 $ 1,040,000 $ 520,000 $ 133,000
San Benito, California 2 $ 1,120,000 $ 560,000 $ 193,000
Shasta, California 2 $ 380,000 $ 190,000 $ 92,000
Siskiyou, California 2 $ 430,000 $ 215,000 $ 0
Yolo, California 2 $ 940,000 $ 470,000 $ 154,000
Yuba, California 2 $ 620,000 $ 310,000 $ 406,000
Fremont, Colorado 2 $ 470,000 $ 235,000 $ 123,000
Grand, Colorado 2 $ 1,080,000 $ 540,000 $ 192,000
Kent, Delaware 2 $ 360,000 $ 180,000 $ 104,000
Collier, Florida 2 $ 520,000 $ 260,000 $ 0
Gilchrist, Florida 2 $ 310,000 $ 155,000 $ 0
Glades, Florida 2 $ 270,000 $ 135,000 $ 106,000
Highlands, Florida 2 $ 290,000 $ 145,000 $ 0
Leon, Florida 2 $ 490,000 $ 245,000 $ 0
Putnam, Florida 2 $ 200,000 $ 100,000 $ 527,000
Seminole, Florida 2 $ 380,000 $ 190,000 $ 0
Wakulla, Florida 2 $ 320,000 $ 160,000 $ 69,000
Catoosa, Georgia 2 $ 370,000 $ 185,000 $ 116,000
Clarke, Georgia 2 $ 590,000 $ 295,000 $ 247,000
Coweta, Georgia 2 $ 620,000 $ 310,000 $ 0
Dawson, Georgia 2 $ 490,000 $ 245,000 $ 132,000
Emanuel, Georgia 2 $ 200,000 $ 100,000 $ 59,000
Fayette, Georgia 2 $ 260,000 $ 130,000 $ 68,000
Floyd, Georgia 2 $ 400,000 $ 200,000 $ 77,000
Murray, Georgia 2 $ 250,000 $ 125,000 $ 81,000
Thomas, Georgia 2 $ 110,000 $ 55,000 $ 164,000
Troup, Georgia 2 $ 320,000 $ 160,000 $ 140,000
Whitfield, Georgia 2 $ 450,000 $ 225,000 $ 114,000
Honolulu, Hawaii 2 $ 830,000 $ 415,000 $ 0
Ada, Idaho 2 $ 510,000 $ 255,000 $ 310,000
Bannock, Idaho 2 $ 580,000 $ 290,000 $ 156,000
Bonner, Idaho 2 $ 710,000 $ 355,000 $ 146,000
Bonneville, Idaho 2 $ 1,680,000 $ 840,000 $ 471,000
Canyon, Idaho 2 $ 560,000 $ 280,000 $ 67,000
Carroll, Illinois 2 $ 110,000 $ 55,000 $ 79,000
Champaign, Illinois 2 $ 250,000 $ 125,000 $ 63,000
Macon, Illinois 2 $ 180,000 $ 90,000 $ 59,000
Bartholomew, Indiana 2 $ 500,000 $ 250,000 $ 52,000
Floyd, Indiana 2 $ 230,000 $ 115,000 $ 46,000
Henry, Indiana 2 $ 160,000 $ 80,000 $ 129,000
Huntington, Indiana 2 $ 170,000 $ 85,000 $ 85,000
Johnson, Indiana 2 $ 340,000 $ 170,000 $ 44,000
Morgan, Indiana 2 $ 460,000 $ 230,000 $ 0
Putnam, Indiana 2 $ 250,000 $ 125,000 $ 75,000
Vigo, Indiana 2 $ 150,000 $ 75,000 $ 48,000
Polk, Iowa 2 $ 430,000 $ 215,000 $ 131,000
Finney, Kansas 2 $ 430,000 $ 215,000 $ 110,000
Leavenworth, Kansas 2 $ 260,000 $ 130,000 $ 53,000
Bullitt, Kentucky 2 $ 420,000 $ 210,000 $ 110,000
Carroll, Kentucky 2 $ 410,000 $ 205,000 $ 99,000
Clark, Kentucky 2 $ 550,000 $ 275,000 $ 84,000
Androscoggin, Maine 2 $ 100,000 $ 50,000 $ 0
Aroostook, Maine 2 $ 110,000 $ 55,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank of America in 2025

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 4,708 $1,332,750,000 $283,000 $5,995,000 $160,000 $5,939,000
Cash-out Refinancing 431 $127,905,000 $296,000 $1,505,000 $133,000 $988,000
Refinancing 360 $115,270,000 $320,000 $1,135,000 $145,000 $1,427,000
Other Purpose 243 $58,775,000 $241,000 $1,505,000 $174,000 $2,988,000
Home Improvement 176 $35,650,000 $202,000 $955,000 $163,000 $1,440,000
Not Applicable 85 $11,775,000 $138,000 $1,265,000 $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
Hispanic 2,957 $852,675,000 $288,000 $2,925,000 $151,000 $2,988,000
Not applicable 1,838 $494,540,000 $269,000 $5,995,000 $133,000 $1,809,000
White 639 $174,435,000 $272,000 $2,735,000 $189,000 $5,939,000
Not Provided 396 $114,030,000 $287,000 $1,255,000 $161,000 $1,801,000
Black or African American 98 $23,850,000 $243,000 $1,005,000 $150,000 $967,000
Asian 60 $18,900,000 $315,000 $1,295,000 $169,000 $924,000
American Indian or Alaskan Native 11 $2,675,000 $243,000 $695,000 $195,000 $750,000
Native Hawaiian or Other Pacific Islander 4 $1,020,000 $255,000 $405,000 $95,000 $116,000

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) 6,003 $1,682,125,000 $280,000 $5,995,000 $157,000 $5,939,000
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 Originated 2,709 $790,275,000 $291,000 $3,025,000 $153,000 $2,694,000
Loan Purchased By The Institution 1,758 $456,040,000 $259,000 $1,395,000 $133,000 $1,809,000
Application Withdrawn By Applicant 910 $257,560,000 $283,000 $5,995,000 $159,000 $5,939,000
Application Denied By Financial Institution 560 $156,360,000 $279,000 $2,925,000 $173,000 $1,967,000
Application Approved But Not Accepted 37 $14,885,000 $402,000 $3,005,000 $189,000 $1,165,000
File Closed For Incompleteness 29 $7,005,000 $241,000 $675,000 $232,000 $1,502,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Not applicable 5,443 $1,525,765,000 $280,000 $5,995,000 $155,000 $5,939,000
Collateral 219 $57,995,000 $264,000 $2,735,000 $223,000 $1,967,000
Credit History 125 $36,235,000 $289,000 $1,805,000 $136,000 $655,000
Credit Application Incomplete 81 $23,985,000 $296,000 $1,255,000 $173,000 $1,153,000
Insufficient Cash (Downpayment, Closing Cost) 43 $15,665,000 $364,000 $2,925,000 $143,000 $932,000
Other 36 $8,350,000 $231,000 $595,000 $142,000 $646,000
Debt-To-Income Ratio 35 $7,915,000 $226,000 $455,000 $66,000 $150,000
Unverifiable Information 20 $6,070,000 $303,000 $605,000 $164,000 $550,000
Employment History 1 $145,000 $145,000 $145,000 $115,000 $115,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2025 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 Bank of America'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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