First National Bank Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First National Bank Of America 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 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 | 2,533 |
| Total Mortgage Loan Application Amount | $119,389,000 |
| Average Mortgage Loan Application Amount | $43,186 |
| Highest Mortgage Loan Application Amount | $399,000 |
| Average Applicant Income | $40,139 |
| Highest Applicant Income | $511,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First National Bank Of America. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First National Bank Of America's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First National Bank Of America's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First National Bank Of America serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank Of America, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First National Bank Of America's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Genesee County Michigan | 83 | $ 2,796,000 | $ 33,000 | $ 30,000 |
| Jackson County Michigan | 64 | $ 2,830,000 | $ 44,000 | $ 33,000 |
| Kent County Michigan | 57 | $ 2,965,000 | $ 52,000 | $ 35,000 |
| Van Buren County Michigan | 56 | $ 1,998,000 | $ 35,000 | $ 36,000 |
| Ingham County Michigan | 54 | $ 3,172,000 | $ 58,000 | $ 55,000 |
| Montcalm County Michigan | 54 | $ 2,491,000 | $ 46,000 | $ 33,000 |
| Muskegon County Michigan | 54 | $ 2,135,000 | $ 39,000 | $ 27,000 |
| Newaygo County Michigan | 54 | $ 2,323,000 | $ 43,000 | $ 26,000 |
| Saginaw County Michigan | 52 | $ 1,732,000 | $ 33,000 | $ 28,000 |
| Marion County Florida | 50 | $ 1,592,000 | $ 31,000 | $ 30,000 |
| Marion County Indiana | 48 | $ 2,110,000 | $ 43,000 | $ 32,000 |
| Berrien County Michigan | 43 | $ 1,245,000 | $ 28,000 | $ 30,000 |
| Midland County Michigan | 41 | $ 2,003,000 | $ 48,000 | $ 45,000 |
| Tuscola County Michigan | 40 | $ 1,622,000 | $ 40,000 | $ 32,000 |
| Duval County Florida | 38 | $ 1,499,000 | $ 39,000 | $ 33,000 |
| Calhoun County Michigan | 38 | $ 1,535,000 | $ 40,000 | $ 31,000 |
| Lake County Michigan | 37 | $ 1,405,000 | $ 37,000 | $ 35,000 |
| Wayne County Michigan | 36 | $ 2,540,000 | $ 70,000 | $ 39,000 |
| Gladwin County Michigan | 34 | $ 1,377,000 | $ 40,000 | $ 30,000 |
| Ionia County Michigan | 32 | $ 1,588,000 | $ 49,000 | $ 34,000 |
| Mecosta County Michigan | 32 | $ 1,361,000 | $ 42,000 | $ 35,000 |
| Hillsborough County Florida | 30 | $ 1,441,000 | $ 48,000 | $ 29,000 |
| Barry County Michigan | 29 | $ 1,517,000 | $ 52,000 | $ 38,000 |
| Clare County Michigan | 28 | $ 1,078,000 | $ 38,000 | $ 27,000 |
| Osceola County Michigan | 27 | $ 1,313,000 | $ 48,000 | $ 35,000 |
| Oceana County Michigan | 26 | $ 949,000 | $ 36,000 | $ 36,000 |
| Cheboygan County Michigan | 25 | $ 1,356,000 | $ 54,000 | $ 31,000 |
| St. Clair County Michigan | 24 | $ 1,473,000 | $ 61,000 | $ 39,000 |
| Adams County Wisconsin | 24 | $ 717,000 | $ 29,000 | $ 31,000 |
| Arenac County Michigan | 23 | $ 744,000 | $ 32,000 | $ 29,000 |
| Allegan County Michigan | 22 | $ 1,164,000 | $ 52,000 | $ 32,000 |
| Crawford County Michigan | 22 | $ 695,000 | $ 31,000 | $ 27,000 |
| Isabella County Michigan | 22 | $ 1,015,000 | $ 46,000 | $ 29,000 |
| Roscommon County Michigan | 22 | $ 908,000 | $ 41,000 | $ 32,000 |
| Marquette County Michigan | 19 | $ 899,000 | $ 47,000 | $ 40,000 |
| Alachua County Florida | 18 | $ 495,000 | $ 27,000 | $ 29,000 |
| St. Joseph County Michigan | 18 | $ 782,000 | $ 43,000 | $ 42,000 |
| Cass County Michigan | 17 | $ 912,000 | $ 53,000 | $ 33,000 |
| Gratiot County Michigan | 17 | $ 616,000 | $ 36,000 | $ 39,000 |
| Ogemaw County Michigan | 17 | $ 898,000 | $ 52,000 | $ 40,000 |
| Broward County Florida | 16 | $ 1,317,000 | $ 82,000 | $ 52,000 |
| Wexford County Michigan | 16 | $ 666,000 | $ 41,000 | $ 32,000 |
| Juneau County Wisconsin | 15 | $ 602,000 | $ 40,000 | $ 27,000 |
| Bay County Michigan | 14 | $ 777,000 | $ 55,000 | $ 50,000 |
| Benzie County Michigan | 14 | $ 897,000 | $ 64,000 | $ 46,000 |
| Eaton County Michigan | 14 | $ 894,000 | $ 63,000 | $ 37,000 |
| Iosco County Michigan | 14 | $ 643,000 | $ 45,000 | $ 34,000 |
| Kalkaska County Michigan | 14 | $ 716,000 | $ 51,000 | $ 40,000 |
| Macomb County Michigan | 14 | $ 942,000 | $ 67,000 | $ 37,000 |
| Missaukee County Michigan | 14 | $ 689,000 | $ 49,000 | $ 31,000 |
| Tuscarawas County Ohio | 14 | $ 526,000 | $ 37,000 | $ 28,000 |
| Escambia County Florida | 13 | $ 289,000 | $ 22,000 | $ 32,000 |
| LaPorte County Indiana | 13 | $ 706,000 | $ 54,000 | $ 38,000 |
| Grand Traverse County Michigan | 13 | $ 583,000 | $ 44,000 | $ 44,000 |
| Lapeer County Michigan | 13 | $ 851,000 | $ 65,000 | $ 41,000 |
| Oscoda County Michigan | 13 | $ 727,000 | $ 55,000 | $ 42,000 |
| Marinette County Wisconsin | 13 | $ 569,000 | $ 43,000 | $ 20,000 |
| Huron County Michigan | 12 | $ 438,000 | $ 36,000 | $ 34,000 |
| Antrim County Michigan | 11 | $ 508,000 | $ 46,000 | $ 33,000 |
| Hillsdale County Michigan | 11 | $ 583,000 | $ 53,000 | $ 28,000 |
| Logan County Ohio | 11 | $ 441,000 | $ 40,000 | $ 36,000 |
| Sawyer County Wisconsin | 11 | $ 506,000 | $ 46,000 | $ 38,000 |
| Lake County Florida | 10 | $ 456,000 | $ 45,000 | $ 31,000 |
| Manistee County Michigan | 10 | $ 521,000 | $ 52,000 | $ 48,000 |
| Monroe County Michigan | 10 | $ 551,000 | $ 55,000 | $ 37,000 |
| Otsego County Michigan | 10 | $ 551,000 | $ 55,000 | $ 46,000 |
| Presque Isle County Michigan | 10 | $ 468,000 | $ 46,000 | $ 64,000 |
| Shiawassee County Michigan | 10 | $ 608,000 | $ 60,000 | $ 37,000 |
| Douglas County Wisconsin | 10 | $ 496,000 | $ 49,000 | $ 35,000 |
| Pinellas County Florida | 9 | $ 663,000 | $ 73,000 | $ 51,000 |
| Alpena County Michigan | 9 | $ 409,000 | $ 45,000 | $ 37,000 |
| Branch County Michigan | 9 | $ 440,000 | $ 48,000 | $ 26,000 |
| Clinton County Michigan | 9 | $ 485,000 | $ 53,000 | $ 69,000 |
| Kalamazoo County Michigan | 9 | $ 591,000 | $ 65,000 | $ 40,000 |
| Mackinac County Michigan | 9 | $ 451,000 | $ 50,000 | $ 43,000 |
| Montmorency County Michigan | 9 | $ 233,000 | $ 25,000 | $ 25,000 |
| Columbiana County Ohio | 9 | $ 383,000 | $ 42,000 | $ 29,000 |
| Jefferson County Alabama | 8 | $ 235,000 | $ 29,000 | $ 54,000 |
| Charlevoix County Michigan | 8 | $ 529,000 | $ 66,000 | $ 34,000 |
| Chippewa County Michigan | 8 | $ 379,000 | $ 47,000 | $ 26,000 |
| Emmet County Michigan | 8 | $ 306,000 | $ 38,000 | $ 37,000 |
| Lenawee County Michigan | 8 | $ 572,000 | $ 71,000 | $ 47,000 |
| Mason County Michigan | 8 | $ 317,000 | $ 39,000 | $ 34,000 |
| Sanilac County Michigan | 8 | $ 359,000 | $ 44,000 | $ 33,000 |
| Adams County Ohio | 8 | $ 326,000 | $ 40,000 | $ 32,000 |
| Crawford County Ohio | 8 | $ 163,000 | $ 20,000 | $ 26,000 |
| Harrison County Ohio | 8 | $ 116,000 | $ 14,000 | $ 15,000 |
| Ross County Ohio | 8 | $ 250,000 | $ 31,000 | $ 28,000 |
| Taylor County Wisconsin | 8 | $ 359,000 | $ 44,000 | $ 35,000 |
| St. Joseph County Indiana | 7 | $ 466,000 | $ 66,000 | $ 72,000 |
| Iron County Michigan | 7 | $ 287,000 | $ 41,000 | $ 19,000 |
| Trumbull County Ohio | 7 | $ 298,000 | $ 42,000 | $ 37,000 |
| Wood County Ohio | 7 | $ 269,000 | $ 38,000 | $ 36,000 |
| Langlade County Wisconsin | 7 | $ 340,000 | $ 48,000 | $ 42,000 |
| Wood County Wisconsin | 7 | $ 327,000 | $ 46,000 | $ 41,000 |
| Lee County Florida | 6 | $ 395,000 | $ 65,000 | $ 58,000 |
| Palm Beach County Florida | 6 | $ 628,000 | $ 104,000 | $ 48,000 |
| Pasco County Florida | 6 | $ 224,000 | $ 37,000 | $ 35,000 |
| Steuben County Indiana | 6 | $ 292,000 | $ 48,000 | $ 31,000 |
| Livingston County Michigan | 6 | $ 397,000 | $ 66,000 | $ 37,000 |
| Oakland County Michigan | 6 | $ 251,000 | $ 41,000 | $ 37,000 |
| Ontonagon County Michigan | 6 | $ 129,000 | $ 21,000 | $ 25,000 |
| Ashtabula County Ohio | 6 | $ 232,000 | $ 38,000 | $ 40,000 |
| Lorain County Ohio | 6 | $ 428,000 | $ 71,000 | $ 52,000 |
| Montgomery County Ohio | 6 | $ 335,000 | $ 55,000 | $ 41,000 |
| Stark County Ohio | 6 | $ 175,000 | $ 29,000 | $ 36,000 |
| Vinton County Ohio | 6 | $ 251,000 | $ 41,000 | $ 29,000 |
| Washington County Ohio | 6 | $ 353,000 | $ 58,000 | $ 38,000 |
| Wayne County Ohio | 6 | $ 370,000 | $ 61,000 | $ 44,000 |
| Marquette County Wisconsin | 6 | $ 246,000 | $ 41,000 | $ 27,000 |
| Portage County Wisconsin | 6 | $ 241,000 | $ 40,000 | $ 32,000 |
| Shawano County Wisconsin | 6 | $ 256,000 | $ 42,000 | $ 24,000 |
| Vilas County Wisconsin | 6 | $ 573,000 | $ 95,000 | $ 48,000 |
| Bay County Florida | 5 | $ 215,000 | $ 43,000 | $ 33,000 |
| Polk County Florida | 5 | $ 256,000 | $ 51,000 | $ 41,000 |
| Kosciusko County Indiana | 5 | $ 216,000 | $ 43,000 | $ 29,000 |
| Dickinson County Michigan | 5 | $ 139,000 | $ 27,000 | $ 25,000 |
| Hocking County Ohio | 5 | $ 314,000 | $ 62,000 | $ 32,000 |
| Huron County Ohio | 5 | $ 377,000 | $ 75,000 | $ 40,000 |
| Lucas County Ohio | 5 | $ 973,000 | $ 194,000 | $ 114,000 |
| Harris County Texas | 5 | $ 147,000 | $ 29,000 | $ 68,000 |
| Ashland County Wisconsin | 5 | $ 363,000 | $ 72,000 | $ 45,000 |
| Burnett County Wisconsin | 5 | $ 450,000 | $ 90,000 | $ 41,000 |
| Dodge County Wisconsin | 5 | $ 345,000 | $ 69,000 | $ 36,000 |
| Kewaunee County Wisconsin | 5 | $ 539,000 | $ 107,000 | $ 41,000 |
| Monroe County Wisconsin | 5 | $ 222,000 | $ 44,000 | $ 41,000 |
| Oconto County Wisconsin | 5 | $ 316,000 | $ 63,000 | $ 45,000 |
| Outagamie County Wisconsin | 5 | $ 565,000 | $ 113,000 | $ 44,000 |
| Rusk County Wisconsin | 5 | $ 162,000 | $ 32,000 | $ 16,000 |
| St. Croix County Wisconsin | 5 | $ 612,000 | $ 122,000 | $ 62,000 |
| Waushara County Wisconsin | 5 | $ 274,000 | $ 54,000 | $ 33,000 |
| Clark County Indiana | 4 | $ 206,000 | $ 51,000 | $ 63,000 |
| Delaware County Indiana | 4 | $ 286,000 | $ 71,000 | $ 52,000 |
| Washtenaw County Michigan | 4 | $ 281,000 | $ 70,000 | $ 142,000 |
| Carroll County Ohio | 4 | $ 212,000 | $ 53,000 | $ 49,000 |
| Fulton County Ohio | 4 | $ 233,000 | $ 58,000 | $ 64,000 |
| Hancock County Ohio | 4 | $ 286,000 | $ 71,000 | $ 41,000 |
| Hardin County Ohio | 4 | $ 215,000 | $ 53,000 | $ 39,000 |
| Miami County Ohio | 4 | $ 234,000 | $ 58,000 | $ 39,000 |
| Noble County Ohio | 4 | $ 134,000 | $ 33,000 | $ 24,000 |
| Bayfield County Wisconsin | 4 | $ 197,000 | $ 49,000 | $ 32,000 |
| Chippewa County Wisconsin | 4 | $ 323,000 | $ 80,000 | $ 30,000 |
| Fond du Lac County Wisconsin | 4 | $ 196,000 | $ 49,000 | $ 41,000 |
| Jackson County Wisconsin | 4 | $ 267,000 | $ 66,000 | $ 19,000 |
| Manitowoc County Wisconsin | 4 | $ 153,000 | $ 38,000 | $ 46,000 |
| Oneida County Wisconsin | 4 | $ 256,000 | $ 64,000 | $ 37,000 |
| Pierce County Wisconsin | 4 | $ 294,000 | $ 73,000 | $ 45,000 |
| Sheboygan County Wisconsin | 4 | $ 248,000 | $ 62,000 | $ 27,000 |
| Vernon County Wisconsin | 4 | $ 145,000 | $ 36,000 | $ 23,000 |
| Mohave County Arizona | 3 | $ 76,000 | $ 25,000 | $ 27,000 |
| Miami-Dade County Florida | 3 | $ 304,000 | $ 101,000 | $ 39,000 |
| Cass County Indiana | 3 | $ 292,000 | $ 97,000 | $ 59,000 |
| Perry County Indiana | 3 | $ 108,000 | $ 36,000 | $ 50,000 |
| Starke County Indiana | 3 | $ 102,000 | $ 34,000 | $ 46,000 |
| Alcona County Michigan | 3 | $ 78,000 | $ 26,000 | $ 20,000 |
| Alger County Michigan | 3 | $ 89,000 | $ 29,000 | $ 19,000 |
| Ottawa County Michigan | 3 | $ 213,000 | $ 71,000 | $ 58,000 |
| Lauderdale County Mississippi | 3 | $ 91,000 | $ 30,000 | $ 38,000 |
| Ashland County Ohio | 3 | $ 225,000 | $ 75,000 | $ 44,000 |
| Clinton County Ohio | 3 | $ 192,000 | $ 64,000 | $ 35,000 |
| Franklin County Ohio | 3 | $ 93,000 | $ 31,000 | $ 25,000 |
| Dallas County Texas | 3 | $ 140,000 | $ 46,000 | $ 33,000 |
| Brown County Wisconsin | 3 | $ 306,000 | $ 102,000 | $ 52,000 |
| Door County Wisconsin | 3 | $ 132,000 | $ 44,000 | $ 54,000 |
| Kenosha County Wisconsin | 3 | $ 314,000 | $ 104,000 | $ 66,000 |
| Marathon County Wisconsin | 3 | $ 124,000 | $ 41,000 | $ 41,000 |
| Milwaukee County Wisconsin | 3 | $ 223,000 | $ 74,000 | $ 93,000 |
| Richland County Wisconsin | 3 | $ 192,000 | $ 64,000 | $ 21,000 |
| Washburn County Wisconsin | 3 | $ 210,000 | $ 70,000 | $ 44,000 |
| Waupaca County Wisconsin | 3 | $ 200,000 | $ 66,000 | $ 41,000 |
| Riverside County California | 2 | $ 137,000 | $ 68,000 | $ 48,000 |
| Citrus County Florida | 2 | $ 149,000 | $ 74,000 | $ 35,000 |
| Hernando County Florida | 2 | $ 56,000 | $ 28,000 | $ 64,000 |
| Indian River County Florida | 2 | $ 45,000 | $ 22,000 | $ 55,000 |
| Leon County Florida | 2 | $ 97,000 | $ 48,000 | $ 24,000 |
| Crawford County Indiana | 2 | $ 57,000 | $ 28,000 | $ 30,000 |
| Dubois County Indiana | 2 | $ 43,000 | $ 21,000 | $ 22,000 |
| Elkhart County Indiana | 2 | $ 256,000 | $ 128,000 | $ 79,000 |
| Hamilton County Indiana | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Jennings County Indiana | 2 | $ 76,000 | $ 38,000 | $ 29,000 |
| Noble County Indiana | 2 | $ 126,000 | $ 63,000 | $ 56,000 |
| Putnam County Indiana | 2 | $ 82,000 | $ 41,000 | $ 43,000 |
| Randolph County Indiana | 2 | $ 48,000 | $ 24,000 | $ 22,000 |
| Spencer County Indiana | 2 | $ 48,000 | $ 24,000 | $ 14,000 |
| Polk County Iowa | 2 | $ 47,000 | $ 23,000 | $ 19,000 |
| Gogebic County Michigan | 2 | $ 50,000 | $ 25,000 | $ 21,000 |
| Luce County Michigan | 2 | $ 24,000 | $ 12,000 | $ 26,000 |
| Schoolcraft County Michigan | 2 | $ 53,000 | $ 26,000 | $ 25,000 |
| Athens County Ohio | 2 | $ 169,000 | $ 84,000 | $ 175,000 |
| Belmont County Ohio | 2 | $ 81,000 | $ 40,000 | $ 43,000 |
| Champaign County Ohio | 2 | $ 71,000 | $ 35,000 | $ 27,000 |
| Clark County Ohio | 2 | $ 194,000 | $ 97,000 | $ 59,000 |
| Geauga County Ohio | 2 | $ 83,000 | $ 41,000 | $ 21,000 |
| Guernsey County Ohio | 2 | $ 130,000 | $ 65,000 | $ 60,000 |
| Highland County Ohio | 2 | $ 202,000 | $ 101,000 | $ 61,000 |
| Jackson County Ohio | 2 | $ 127,000 | $ 63,000 | $ 48,000 |
| Meigs County Ohio | 2 | $ 79,000 | $ 39,000 | $ 28,000 |
| Morrow County Ohio | 2 | $ 163,000 | $ 81,000 | $ 71,000 |
| Pickaway County Ohio | 2 | $ 158,000 | $ 79,000 | $ 66,000 |
| Putnam County Ohio | 2 | $ 45,000 | $ 22,000 | $ 20,000 |
| Richland County Ohio | 2 | $ 82,000 | $ 41,000 | $ 38,000 |
| Sandusky County Ohio | 2 | $ 90,000 | $ 45,000 | $ 37,000 |
| Brazoria County Texas | 2 | $ 117,000 | $ 58,000 | $ 72,000 |
| Parker County Texas | 2 | $ 44,000 | $ 22,000 | $ 45,000 |
| Tarrant County Texas | 2 | $ 95,000 | $ 47,000 | $ 13,000 |
| Calumet County Wisconsin | 2 | $ 164,000 | $ 82,000 | $ 34,000 |
| Crawford County Wisconsin | 2 | $ 145,000 | $ 72,000 | $ 42,000 |
| Lincoln County Wisconsin | 2 | $ 72,000 | $ 36,000 | $ 53,000 |
| Price County Wisconsin | 2 | $ 85,000 | $ 42,000 | $ 45,000 |
| Walworth County Wisconsin | 2 | $ 166,000 | $ 83,000 | $ 50,000 |
| Mobile County Alabama | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Montgomery County Alabama | 1 | $ 33,000 | $ 33,000 | $ 54,000 |
| Navajo County Arizona | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Pinal County Arizona | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Fresno County California | 1 | $ 46,000 | $ 46,000 | $ 34,000 |
| Imperial County California | 1 | $ 43,000 | $ 43,000 | $ 24,000 |
| Pueblo County Colorado | 1 | $ 44,000 | $ 44,000 | $ 40,000 |
| Teller County Colorado | 1 | $ 82,000 | $ 82,000 | $ 84,000 |
| Clay County Florida | 1 | $ 91,000 | $ 91,000 | $ 62,000 |
| Columbia County Florida | 1 | $ 18,000 | $ 18,000 | $ 22,000 |
| Dixie County Florida | 1 | $ 16,000 | $ 16,000 | $ 18,000 |
| Highlands County Florida | 1 | $ 29,000 | $ 29,000 | $ 22,000 |
| Levy County Florida | 1 | $ 19,000 | $ 19,000 | $ 35,000 |
| Okaloosa County Florida | 1 | $ 30,000 | $ 30,000 | $ 79,000 |
| Orange County Florida | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| Osceola County Florida | 1 | $ 22,000 | $ 22,000 | $ 20,000 |
| Putnam County Florida | 1 | $ 27,000 | $ 27,000 | $ 36,000 |
| Sarasota County Florida | 1 | $ 93,000 | $ 93,000 | $ 34,000 |
| Seminole County Florida | 1 | $ 69,000 | $ 69,000 | $ 70,000 |
| St. Lucie County Florida | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Suwannee County Florida | 1 | $ 39,000 | $ 39,000 | $ 30,000 |
| Franklin County Georgia | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Fulton County Georgia | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Hall County Georgia | 1 | $ 9,000 | $ 9,000 | $ 15,000 |
| Houston County Georgia | 1 | $ 86,000 | $ 86,000 | $ 55,000 |
| Lamar County Georgia | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Cook County Illinois | 1 | $ 26,000 | $ 26,000 | $ 39,000 |
| Macon County Illinois | 1 | $ 10,000 | $ 10,000 | $ 53,000 |
| Allen County Indiana | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Clay County Indiana | 1 | $ 43,000 | $ 43,000 | $ 31,000 |
| DeKalb County Indiana | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Fulton County Indiana | 1 | $ 58,000 | $ 58,000 | $ 48,000 |
| Greene County Indiana | 1 | $ 103,000 | $ 103,000 | $ 40,000 |
| Jackson County Indiana | 1 | $ 59,000 | $ 59,000 | $ 38,000 |
| Jasper County Indiana | 1 | $ 40,000 | $ 40,000 | $ 33,000 |
| Jefferson County Indiana | 1 | $ 49,000 | $ 49,000 | $ 44,000 |
| Lake County Indiana | 1 | $ 32,000 | $ 32,000 | $ 44,000 |
| Marshall County Indiana | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Monroe County Indiana | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Orange County Indiana | 1 | $ 98,000 | $ 98,000 | $ 108,000 |
| Porter County Indiana | 1 | $ 91,000 | $ 91,000 | $ 58,000 |
| Pulaski County Indiana | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Rush County Indiana | 1 | $ 107,000 | $ 107,000 | $ 84,000 |
| Wabash County Indiana | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Warren County Indiana | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Washington County Indiana | 1 | $ 80,000 | $ 80,000 | $ 72,000 |
| Wayne County Indiana | 1 | $ 26,000 | $ 26,000 | $ 32,000 |
| Orleans County Louisiana | 1 | $ 18,000 | $ 18,000 | $ 7,000 |
| Baltimore City County Maryland | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Baraga County Michigan | 1 | $ 6,000 | $ 6,000 | $ 17,000 |
| Delta County Michigan | 1 | $ 22,000 | $ 22,000 | $ 38,000 |
| Houghton County Michigan | 1 | $ 36,000 | $ 36,000 | $ 35,000 |
| Keweenaw County Michigan | 1 | $ 70,000 | $ 70,000 | $ 31,000 |
| Leelanau County Michigan | 1 | $ 48,000 | $ 48,000 | $ 19,000 |
| Menominee County Michigan | 1 | $ 41,000 | $ 41,000 | $ 24,000 |
| Ripley County Missouri | 1 | $ 11,000 | $ 11,000 | $ 19,000 |
| Douglas County Nebraska | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Sullivan County New Hampshire | 1 | $ 49,000 | $ 49,000 | $ 29,000 |
| Essex County New York | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Genesee County New York | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Kings County New York | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Beaufort County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 50,000 |
| Burke County North Carolina | 1 | $ 26,000 | $ 26,000 | $ 35,000 |
| Wilkes County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Allen County Ohio | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Brown County Ohio | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Butler County Ohio | 1 | $ 123,000 | $ 123,000 | $ 40,000 |
| Clermont County Ohio | 1 | $ 42,000 | $ 42,000 | $ 42,000 |
| Coshocton County Ohio | 1 | $ 30,000 | $ 30,000 | $ 33,000 |
| Cuyahoga County Ohio | 1 | $ 93,000 | $ 93,000 | $ 89,000 |
| Fairfield County Ohio | 1 | $ 39,000 | $ 39,000 | $ 39,000 |
| Knox County Ohio | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Licking County Ohio | 1 | $ 41,000 | $ 41,000 | $ 101,000 |
| Mahoning County Ohio | 1 | $ 30,000 | $ 30,000 | $ 14,000 |
| Monroe County Ohio | 1 | $ 11,000 | $ 11,000 | $ 27,000 |
| Muskingum County Ohio | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Paulding County Ohio | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Perry County Ohio | 1 | $ 22,000 | $ 22,000 | $ 38,000 |
| Van Wert County Ohio | 1 | $ 57,000 | $ 57,000 | $ 28,000 |
| Warren County Ohio | 1 | $ 92,000 | $ 92,000 | $ 30,000 |
| Oklahoma County Oklahoma | 1 | $ 31,000 | $ 31,000 | $ 14,000 |
| Fayette County Pennsylvania | 1 | $ 42,000 | $ 42,000 | $ 48,000 |
| Mercer County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 19,000 |
| Westmoreland County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Allendale County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 24,000 |
| Bee County Texas | 1 | $ 34,000 | $ 34,000 | $ 8,000 |
| Bell County Texas | 1 | $ 17,000 | $ 17,000 | $ 31,000 |
| Denton County Texas | 1 | $ 9,000 | $ 9,000 | $ 11,000 |
| Ellis County Texas | 1 | $ 12,000 | $ 12,000 | $ 46,000 |
| Galveston County Texas | 1 | $ 29,000 | $ 29,000 | $ 72,000 |
| Gillespie County Texas | 1 | $ 47,000 | $ 47,000 | $ 51,000 |
| Goliad County Texas | 1 | $ 22,000 | $ 22,000 | $ 29,000 |
| Hidalgo County Texas | 1 | $ 22,000 | $ 22,000 | $ 18,000 |
| Jefferson County Texas | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Kaufman County Texas | 1 | $ 26,000 | $ 26,000 | $ 17,000 |
| Kerr County Texas | 1 | $ 20,000 | $ 20,000 | $ 19,000 |
| Lamar County Texas | 1 | $ 20,000 | $ 20,000 | $ 69,000 |
| Liberty County Texas | 1 | $ 14,000 | $ 14,000 | $ 76,000 |
| McLennan County Texas | 1 | $ 26,000 | $ 26,000 | $ 18,000 |
| Navarro County Texas | 1 | $ 17,000 | $ 17,000 | $ 53,000 |
| Orange County Texas | 1 | $ 19,000 | $ 19,000 | $ 24,000 |
| San Jacinto County Texas | 1 | $ 23,000 | $ 23,000 | $ 54,000 |
| Smith County Texas | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Tom Green County Texas | 1 | $ 40,000 | $ 40,000 | $ 16,000 |
| Travis County Texas | 1 | $ 33,000 | $ 33,000 | $ 14,000 |
| Upshur County Texas | 1 | $ 19,000 | $ 19,000 | $ 50,000 |
| Webb County Texas | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Barron County Wisconsin | 1 | $ 91,000 | $ 91,000 | $ 34,000 |
| Buffalo County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Clark County Wisconsin | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Columbia County Wisconsin | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Dane County Wisconsin | 1 | $ 177,000 | $ 177,000 | $ 54,000 |
| Dunn County Wisconsin | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
| Grant County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Green Lake County Wisconsin | 1 | $ 38,000 | $ 38,000 | $ 35,000 |
| La Crosse County Wisconsin | 1 | $ 99,000 | $ 99,000 | $ 74,000 |
| Lafayette County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Rock County Wisconsin | 1 | $ 78,000 | $ 78,000 | $ 41,000 |
| Sauk County Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 30,000 |
| Winnebago County Wisconsin | 1 | $ 250,000 | $ 250,000 | $ 511,000 |
Mortgage Loan Application Detail Totals for First National Bank Of America in 2004
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 Improvement | 1,274 | $46,110,000 | $34,421 | $279,000 | $36,210 | $511,000 |
| Refinancing | 1,043 | $61,135,000 | $48,368 | $399,000 | $40,105 | $360,000 |
| Home Purchase | 216 | $12,144,000 | $56,800 | $352,000 | $55,200 | $179,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,797 | $86,242,000 | $43,647 | $365,000 | $41,235 | $300,000 |
| Black or African American | 309 | $11,963,000 | $40,461 | $143,000 | $40,538 | $181,000 |
| Not Provided | 223 | $10,064,000 | $38,076 | $260,000 | $42,615 | $277,000 |
| American Indian or Alaskan Native | 100 | $4,750,000 | $45,333 | $399,000 | $33,111 | $360,000 |
| Hispanic | 85 | $4,735,000 | $44,000 | $279,000 | $35,875 | $103,000 |
| Asian | 14 | $1,030,000 | $80,500 | $250,000 | $102,750 | $511,000 |
| Not applicable | 4 | $557,000 | $139,000 | $352,000 | $73,000 | $203,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $48,000 | $48,000 | $48,000 | $35,000 | $35,000 |
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) | 2,533 | $119,389,000 | $37,875 | $399,000 | $36,666 | $511,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,550 | $84,763,000 | $43,150 | $399,000 | $39,000 | $511,000 |
| Loan Originated | 701 | $26,227,000 | $28,500 | $352,000 | $38,500 | $203,000 |
| Application Approved But Not Accepted | 266 | $7,528,000 | $34,066 | $200,000 | $35,333 | $332,000 |
| Application Withdrawn By Applicant | 14 | $755,000 | $63,400 | $118,000 | $26,200 | $73,000 |
| File Closed For Incompleteness | 2 | $116,000 | $58,000 | $105,000 | $151,000 | $300,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 898 | $48,452,000 | $46,214 | $365,000 | $40,857 | $277,000 |
| Collateral | 316 | $17,427,000 | $42,428 | $393,000 | $44,000 | $360,000 |
| Debt-To-Income Ratio | 296 | $16,386,000 | $41,400 | $220,000 | $23,500 | $99,000 |
| Unverifiable Information | 21 | $1,727,000 | $71,222 | $399,000 | $75,444 | $511,000 |
| Employment History | 10 | $370,000 | $32,000 | $90,000 | $31,000 | $60,000 |
| Other | 5 | $265,000 | $53,000 | $95,000 | $25,400 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $128,000 | $42,000 | $56,000 | $32,000 | $41,000 |
| Credit Application Incomplete | 1 | $8,000 | $8,000 | $8,000 | $19,000 | $19,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Of America's 2004 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.