First National Bank Of America
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First National Bank Of America 2005 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 | 2,971 |
| Total Mortgage Loan Application Amount | $132,981,000 |
| Average Mortgage Loan Application Amount | $37,538 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $41,435 |
| Highest Applicant Income | $550,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 138 | $ 3,687,000 | $ 26,000 | $ 29,000 |
| Montcalm County Michigan | 54 | $ 2,330,000 | $ 43,000 | $ 29,000 |
| Muskegon County Michigan | 50 | $ 1,801,000 | $ 36,000 | $ 33,000 |
| Calhoun County Michigan | 49 | $ 2,169,000 | $ 44,000 | $ 36,000 |
| Polk County Florida | 48 | $ 1,605,000 | $ 33,000 | $ 32,000 |
| Roscommon County Michigan | 45 | $ 2,046,000 | $ 45,000 | $ 35,000 |
| Jackson County Michigan | 44 | $ 2,475,000 | $ 56,000 | $ 39,000 |
| Osceola County Michigan | 44 | $ 1,792,000 | $ 40,000 | $ 29,000 |
| Mahoning County Ohio | 43 | $ 868,000 | $ 20,000 | $ 31,000 |
| Van Buren County Michigan | 40 | $ 1,626,000 | $ 40,000 | $ 34,000 |
| Berrien County Michigan | 39 | $ 1,175,000 | $ 30,000 | $ 31,000 |
| Newaygo County Michigan | 39 | $ 1,656,000 | $ 42,000 | $ 32,000 |
| Cheboygan County Michigan | 36 | $ 1,818,000 | $ 50,000 | $ 30,000 |
| Clare County Michigan | 36 | $ 1,508,000 | $ 41,000 | $ 33,000 |
| Marion County Florida | 34 | $ 1,310,000 | $ 38,000 | $ 41,000 |
| Gladwin County Michigan | 34 | $ 1,360,000 | $ 40,000 | $ 38,000 |
| Lake County Michigan | 33 | $ 968,000 | $ 29,000 | $ 27,000 |
| Adams County Wisconsin | 31 | $ 1,072,000 | $ 34,000 | $ 27,000 |
| Mecosta County Michigan | 29 | $ 1,058,000 | $ 36,000 | $ 30,000 |
| Ogemaw County Michigan | 29 | $ 1,163,000 | $ 40,000 | $ 42,000 |
| Ingham County Michigan | 28 | $ 1,433,000 | $ 51,000 | $ 33,000 |
| Midland County Michigan | 28 | $ 1,275,000 | $ 45,000 | $ 40,000 |
| Tuscola County Michigan | 28 | $ 1,311,000 | $ 46,000 | $ 33,000 |
| Pasco County Florida | 27 | $ 1,195,000 | $ 44,000 | $ 33,000 |
| Crawford County Michigan | 27 | $ 1,488,000 | $ 55,000 | $ 33,000 |
| Marquette County Michigan | 27 | $ 1,057,000 | $ 39,000 | $ 45,000 |
| Saginaw County Michigan | 27 | $ 1,050,000 | $ 38,000 | $ 31,000 |
| Citrus County Florida | 25 | $ 1,261,000 | $ 50,000 | $ 36,000 |
| Kent County Michigan | 25 | $ 1,694,000 | $ 67,000 | $ 42,000 |
| Ionia County Michigan | 24 | $ 1,543,000 | $ 64,000 | $ 46,000 |
| Iosco County Michigan | 24 | $ 838,000 | $ 34,000 | $ 48,000 |
| Wexford County Michigan | 24 | $ 1,060,000 | $ 44,000 | $ 36,000 |
| Hillsborough County Florida | 23 | $ 736,000 | $ 32,000 | $ 24,000 |
| Bay County Florida | 20 | $ 1,253,000 | $ 62,000 | $ 39,000 |
| Clay County Florida | 20 | $ 770,000 | $ 38,000 | $ 28,000 |
| Arenac County Michigan | 20 | $ 659,000 | $ 32,000 | $ 51,000 |
| Ashtabula County Ohio | 20 | $ 709,000 | $ 35,000 | $ 33,000 |
| Juneau County Wisconsin | 20 | $ 959,000 | $ 47,000 | $ 36,000 |
| Alachua County Florida | 19 | $ 691,000 | $ 36,000 | $ 37,000 |
| Palm Beach County Florida | 19 | $ 937,000 | $ 49,000 | $ 36,000 |
| Antrim County Michigan | 19 | $ 837,000 | $ 44,000 | $ 34,000 |
| Isabella County Michigan | 19 | $ 932,000 | $ 49,000 | $ 39,000 |
| Macomb County Michigan | 19 | $ 1,039,000 | $ 54,000 | $ 29,000 |
| Wayne County Michigan | 19 | $ 851,000 | $ 44,000 | $ 47,000 |
| Gadsden County Florida | 18 | $ 651,000 | $ 36,000 | $ 35,000 |
| Putnam County Florida | 18 | $ 595,000 | $ 33,000 | $ 33,000 |
| Miami-Dade County Florida | 17 | $ 1,124,000 | $ 66,000 | $ 35,000 |
| Orange County Florida | 17 | $ 1,161,000 | $ 68,000 | $ 44,000 |
| Shiawassee County Michigan | 17 | $ 1,584,000 | $ 93,000 | $ 55,000 |
| St. Joseph County Michigan | 17 | $ 806,000 | $ 47,000 | $ 33,000 |
| Broward County Florida | 16 | $ 1,046,000 | $ 65,000 | $ 66,000 |
| Cass County Michigan | 16 | $ 526,000 | $ 32,000 | $ 29,000 |
| Kalkaska County Michigan | 16 | $ 879,000 | $ 54,000 | $ 44,000 |
| Duval County Florida | 15 | $ 700,000 | $ 46,000 | $ 41,000 |
| Lake County Florida | 15 | $ 650,000 | $ 43,000 | $ 31,000 |
| Brevard County Florida | 14 | $ 707,000 | $ 50,000 | $ 26,000 |
| Lee County Florida | 14 | $ 806,000 | $ 57,000 | $ 35,000 |
| Levy County Florida | 14 | $ 418,000 | $ 29,000 | $ 30,000 |
| Okaloosa County Florida | 14 | $ 434,000 | $ 31,000 | $ 31,000 |
| Pinellas County Florida | 14 | $ 746,000 | $ 53,000 | $ 31,000 |
| St. Johns County Florida | 14 | $ 752,000 | $ 53,000 | $ 32,000 |
| Allegan County Michigan | 14 | $ 620,000 | $ 44,000 | $ 30,000 |
| Barry County Michigan | 14 | $ 706,000 | $ 50,000 | $ 21,000 |
| Bay County Michigan | 14 | $ 733,000 | $ 52,000 | $ 43,000 |
| Emmet County Michigan | 14 | $ 880,000 | $ 62,000 | $ 41,000 |
| Grand Traverse County Michigan | 14 | $ 653,000 | $ 46,000 | $ 43,000 |
| Oceana County Michigan | 14 | $ 582,000 | $ 41,000 | $ 35,000 |
| Harrison County Ohio | 14 | $ 460,000 | $ 32,000 | $ 39,000 |
| Lawrence County Ohio | 14 | $ 327,000 | $ 23,000 | $ 17,000 |
| Escambia County Florida | 13 | $ 364,000 | $ 28,000 | $ 21,000 |
| Branch County Michigan | 13 | $ 728,000 | $ 56,000 | $ 45,000 |
| Eaton County Michigan | 13 | $ 1,410,000 | $ 108,000 | $ 50,000 |
| Hillsdale County Michigan | 13 | $ 784,000 | $ 60,000 | $ 40,000 |
| Otsego County Michigan | 13 | $ 718,000 | $ 55,000 | $ 39,000 |
| Sanilac County Michigan | 13 | $ 804,000 | $ 61,000 | $ 50,000 |
| Clark County Ohio | 13 | $ 514,000 | $ 39,000 | $ 32,000 |
| Morrow County Ohio | 13 | $ 440,000 | $ 33,000 | $ 37,000 |
| Marinette County Wisconsin | 13 | $ 894,000 | $ 68,000 | $ 44,000 |
| Waushara County Wisconsin | 13 | $ 437,000 | $ 33,000 | $ 34,000 |
| Leon County Florida | 12 | $ 680,000 | $ 56,000 | $ 47,000 |
| Alpena County Michigan | 12 | $ 481,000 | $ 40,000 | $ 33,000 |
| Oscoda County Michigan | 12 | $ 663,000 | $ 55,000 | $ 39,000 |
| Douglas County Wisconsin | 12 | $ 754,000 | $ 62,000 | $ 38,000 |
| Marquette County Wisconsin | 12 | $ 575,000 | $ 47,000 | $ 61,000 |
| St. Clair County Michigan | 11 | $ 477,000 | $ 43,000 | $ 33,000 |
| Stark County Ohio | 11 | $ 377,000 | $ 34,000 | $ 28,000 |
| Langlade County Wisconsin | 11 | $ 522,000 | $ 47,000 | $ 45,000 |
| Oneida County Wisconsin | 11 | $ 541,000 | $ 49,000 | $ 37,000 |
| St. Joseph County Indiana | 10 | $ 494,000 | $ 49,000 | $ 29,000 |
| Charlevoix County Michigan | 10 | $ 818,000 | $ 81,000 | $ 41,000 |
| Gratiot County Michigan | 10 | $ 618,000 | $ 61,000 | $ 47,000 |
| Lapeer County Michigan | 10 | $ 711,000 | $ 71,000 | $ 39,000 |
| Mason County Michigan | 10 | $ 472,000 | $ 47,000 | $ 33,000 |
| Muskingum County Ohio | 10 | $ 346,000 | $ 34,000 | $ 34,000 |
| Tuscarawas County Ohio | 10 | $ 268,000 | $ 26,000 | $ 24,000 |
| Washington County Ohio | 10 | $ 305,000 | $ 30,000 | $ 28,000 |
| Polk County Wisconsin | 10 | $ 490,000 | $ 49,000 | $ 34,000 |
| Hendry County Florida | 9 | $ 315,000 | $ 35,000 | $ 32,000 |
| Kalamazoo County Michigan | 9 | $ 485,000 | $ 53,000 | $ 34,000 |
| Missaukee County Michigan | 9 | $ 419,000 | $ 46,000 | $ 32,000 |
| Monroe County Michigan | 9 | $ 419,000 | $ 46,000 | $ 33,000 |
| Allen County Ohio | 9 | $ 155,000 | $ 17,000 | $ 21,000 |
| Crawford County Ohio | 9 | $ 363,000 | $ 40,000 | $ 31,000 |
| Logan County Ohio | 9 | $ 227,000 | $ 25,000 | $ 29,000 |
| Lorain County Ohio | 9 | $ 432,000 | $ 48,000 | $ 34,000 |
| Perry County Ohio | 9 | $ 283,000 | $ 31,000 | $ 40,000 |
| Trumbull County Ohio | 9 | $ 303,000 | $ 33,000 | $ 37,000 |
| Manitowoc County Wisconsin | 9 | $ 659,000 | $ 73,000 | $ 48,000 |
| Monroe County Wisconsin | 9 | $ 235,000 | $ 26,000 | $ 30,000 |
| Portage County Wisconsin | 9 | $ 300,000 | $ 33,000 | $ 29,000 |
| Shawano County Wisconsin | 9 | $ 560,000 | $ 62,000 | $ 43,000 |
| Santa Rosa County Florida | 8 | $ 321,000 | $ 40,000 | $ 24,000 |
| Mackinac County Michigan | 8 | $ 600,000 | $ 75,000 | $ 78,000 |
| Manistee County Michigan | 8 | $ 300,000 | $ 37,000 | $ 24,000 |
| Presque Isle County Michigan | 8 | $ 406,000 | $ 50,000 | $ 35,000 |
| Belmont County Ohio | 8 | $ 205,000 | $ 25,000 | $ 28,000 |
| Clermont County Ohio | 8 | $ 480,000 | $ 60,000 | $ 41,000 |
| Gallia County Ohio | 8 | $ 236,000 | $ 29,000 | $ 29,000 |
| Bayfield County Wisconsin | 8 | $ 304,000 | $ 38,000 | $ 30,000 |
| Chippewa County Wisconsin | 8 | $ 478,000 | $ 59,000 | $ 28,000 |
| Rock County Wisconsin | 8 | $ 415,000 | $ 51,000 | $ 29,000 |
| Highlands County Florida | 7 | $ 166,000 | $ 23,000 | $ 21,000 |
| Seminole County Florida | 7 | $ 486,000 | $ 69,000 | $ 47,000 |
| Benzie County Michigan | 7 | $ 420,000 | $ 60,000 | $ 43,000 |
| Clinton County Michigan | 7 | $ 1,113,000 | $ 159,000 | $ 45,000 |
| Menominee County Michigan | 7 | $ 212,000 | $ 30,000 | $ 27,000 |
| Montmorency County Michigan | 7 | $ 219,000 | $ 31,000 | $ 23,000 |
| Ontonagon County Michigan | 7 | $ 188,000 | $ 26,000 | $ 30,000 |
| Columbiana County Ohio | 7 | $ 255,000 | $ 36,000 | $ 31,000 |
| Meigs County Ohio | 7 | $ 328,000 | $ 46,000 | $ 23,000 |
| Montgomery County Ohio | 7 | $ 210,000 | $ 30,000 | $ 23,000 |
| Paulding County Ohio | 7 | $ 173,000 | $ 24,000 | $ 30,000 |
| Burnett County Wisconsin | 7 | $ 475,000 | $ 67,000 | $ 36,000 |
| Lincoln County Wisconsin | 7 | $ 175,000 | $ 25,000 | $ 21,000 |
| Collier County Florida | 6 | $ 306,000 | $ 51,000 | $ 55,000 |
| Manatee County Florida | 6 | $ 288,000 | $ 48,000 | $ 52,000 |
| Okeechobee County Florida | 6 | $ 218,000 | $ 36,000 | $ 21,000 |
| Osceola County Florida | 6 | $ 356,000 | $ 59,000 | $ 43,000 |
| Dickinson County Michigan | 6 | $ 235,000 | $ 39,000 | $ 46,000 |
| Iron County Michigan | 6 | $ 214,000 | $ 35,000 | $ 29,000 |
| Guernsey County Ohio | 6 | $ 306,000 | $ 51,000 | $ 46,000 |
| Dodge County Wisconsin | 6 | $ 464,000 | $ 77,000 | $ 40,000 |
| Grant County Wisconsin | 6 | $ 463,000 | $ 77,000 | $ 27,000 |
| Jackson County Wisconsin | 6 | $ 324,000 | $ 54,000 | $ 25,000 |
| Rusk County Wisconsin | 6 | $ 283,000 | $ 47,000 | $ 72,000 |
| Waupaca County Wisconsin | 6 | $ 460,000 | $ 76,000 | $ 62,000 |
| Wood County Wisconsin | 6 | $ 283,000 | $ 47,000 | $ 27,000 |
| Jackson County Florida | 5 | $ 260,000 | $ 52,000 | $ 39,000 |
| Sarasota County Florida | 5 | $ 219,000 | $ 43,000 | $ 40,000 |
| Suwannee County Florida | 5 | $ 188,000 | $ 37,000 | $ 30,000 |
| Walton County Florida | 5 | $ 158,000 | $ 31,000 | $ 29,000 |
| Allen County Indiana | 5 | $ 164,000 | $ 32,000 | $ 48,000 |
| Fulton County Indiana | 5 | $ 288,000 | $ 57,000 | $ 43,000 |
| Kosciusko County Indiana | 5 | $ 204,000 | $ 40,000 | $ 31,000 |
| Morgan County Indiana | 5 | $ 300,000 | $ 60,000 | $ 52,000 |
| Steuben County Indiana | 5 | $ 177,000 | $ 35,000 | $ 43,000 |
| Alger County Michigan | 5 | $ 202,000 | $ 40,000 | $ 28,000 |
| Chippewa County Michigan | 5 | $ 246,000 | $ 49,000 | $ 25,000 |
| Huron County Michigan | 5 | $ 186,000 | $ 37,000 | $ 35,000 |
| Schoolcraft County Michigan | 5 | $ 185,000 | $ 37,000 | $ 31,000 |
| Carroll County Ohio | 5 | $ 82,000 | $ 16,000 | $ 25,000 |
| Erie County Ohio | 5 | $ 102,000 | $ 20,000 | $ 23,000 |
| Ross County Ohio | 5 | $ 122,000 | $ 24,000 | $ 34,000 |
| Seneca County Ohio | 5 | $ 180,000 | $ 36,000 | $ 30,000 |
| Crawford County Wisconsin | 5 | $ 204,000 | $ 40,000 | $ 34,000 |
| Price County Wisconsin | 5 | $ 259,000 | $ 51,000 | $ 27,000 |
| Vilas County Wisconsin | 5 | $ 253,000 | $ 50,000 | $ 68,000 |
| Washburn County Wisconsin | 5 | $ 433,000 | $ 86,000 | $ 22,000 |
| Charlotte County Florida | 4 | $ 60,000 | $ 15,000 | $ 19,000 |
| Volusia County Florida | 4 | $ 236,000 | $ 59,000 | $ 38,000 |
| Harrison County Indiana | 4 | $ 235,000 | $ 58,000 | $ 51,000 |
| Scott County Indiana | 4 | $ 273,000 | $ 68,000 | $ 36,000 |
| Delta County Michigan | 4 | $ 120,000 | $ 30,000 | $ 20,000 |
| Livingston County Michigan | 4 | $ 404,000 | $ 101,000 | $ 48,000 |
| Ottawa County Michigan | 4 | $ 276,000 | $ 69,000 | $ 32,000 |
| Fairfield County Ohio | 4 | $ 270,000 | $ 67,000 | $ 41,000 |
| Franklin County Ohio | 4 | $ 301,000 | $ 75,000 | $ 31,000 |
| Huron County Ohio | 4 | $ 238,000 | $ 59,000 | $ 174,000 |
| Licking County Ohio | 4 | $ 117,000 | $ 29,000 | $ 54,000 |
| Marion County Ohio | 4 | $ 63,000 | $ 15,000 | $ 23,000 |
| Monroe County Ohio | 4 | $ 279,000 | $ 69,000 | $ 41,000 |
| Noble County Ohio | 4 | $ 78,000 | $ 19,000 | $ 21,000 |
| Pickaway County Ohio | 4 | $ 268,000 | $ 67,000 | $ 37,000 |
| Wayne County Ohio | 4 | $ 176,000 | $ 44,000 | $ 39,000 |
| Iron County Wisconsin | 4 | $ 156,000 | $ 39,000 | $ 29,000 |
| Sawyer County Wisconsin | 4 | $ 285,000 | $ 71,000 | $ 74,000 |
| Vernon County Wisconsin | 4 | $ 102,000 | $ 25,000 | $ 40,000 |
| Montgomery County Alabama | 3 | $ 87,000 | $ 29,000 | $ 58,000 |
| Columbia County Florida | 3 | $ 72,000 | $ 24,000 | $ 28,000 |
| Gulf County Florida | 3 | $ 139,000 | $ 46,000 | $ 26,000 |
| Hernando County Florida | 3 | $ 91,000 | $ 30,000 | $ 66,000 |
| Dubois County Indiana | 3 | $ 153,000 | $ 51,000 | $ 43,000 |
| Noble County Indiana | 3 | $ 195,000 | $ 65,000 | $ 38,000 |
| Starke County Indiana | 3 | $ 178,000 | $ 59,000 | $ 43,000 |
| Houghton County Michigan | 3 | $ 322,000 | $ 107,000 | $ 52,000 |
| Keweenaw County Michigan | 3 | $ 112,000 | $ 37,000 | $ 22,000 |
| Luce County Michigan | 3 | $ 236,000 | $ 78,000 | $ 44,000 |
| Oakland County Michigan | 3 | $ 179,000 | $ 59,000 | $ 91,000 |
| Athens County Ohio | 3 | $ 126,000 | $ 42,000 | $ 58,000 |
| Auglaize County Ohio | 3 | $ 259,000 | $ 86,000 | $ 57,000 |
| Brown County Ohio | 3 | $ 35,000 | $ 11,000 | $ 22,000 |
| Clinton County Ohio | 3 | $ 109,000 | $ 36,000 | $ 24,000 |
| Hardin County Ohio | 3 | $ 119,000 | $ 39,000 | $ 34,000 |
| Hocking County Ohio | 3 | $ 147,000 | $ 49,000 | $ 38,000 |
| Jackson County Ohio | 3 | $ 159,000 | $ 53,000 | $ 36,000 |
| Van Wert County Ohio | 3 | $ 169,000 | $ 56,000 | $ 29,000 |
| Wood County Ohio | 3 | $ 52,000 | $ 17,000 | $ 11,000 |
| Harris County Texas | 3 | $ 99,000 | $ 33,000 | $ 41,000 |
| Ashland County Wisconsin | 3 | $ 40,000 | $ 13,000 | $ 19,000 |
| Brown County Wisconsin | 3 | $ 216,000 | $ 72,000 | $ 52,000 |
| Milwaukee County Wisconsin | 3 | $ 177,000 | $ 59,000 | $ 55,000 |
| Oconto County Wisconsin | 3 | $ 181,000 | $ 60,000 | $ 23,000 |
| Pierce County Wisconsin | 3 | $ 116,000 | $ 38,000 | $ 32,000 |
| Richland County Wisconsin | 3 | $ 162,000 | $ 54,000 | $ 46,000 |
| Sheboygan County Wisconsin | 3 | $ 80,000 | $ 26,000 | $ 35,000 |
| Jefferson County Alabama | 2 | $ 71,000 | $ 35,000 | $ 21,000 |
| Flagler County Florida | 2 | $ 112,000 | $ 56,000 | $ 29,000 |
| Martin County Florida | 2 | $ 54,000 | $ 27,000 | $ 39,000 |
| Sumter County Florida | 2 | $ 81,000 | $ 40,000 | $ 21,000 |
| Elkhart County Indiana | 2 | $ 125,000 | $ 62,000 | $ 27,000 |
| Hamilton County Indiana | 2 | $ 93,000 | $ 46,000 | $ 46,000 |
| Huntington County Indiana | 2 | $ 89,000 | $ 44,000 | $ 21,000 |
| Jasper County Indiana | 2 | $ 138,000 | $ 69,000 | $ 53,000 |
| Jefferson County Indiana | 2 | $ 118,000 | $ 59,000 | $ 29,000 |
| Jennings County Indiana | 2 | $ 39,000 | $ 19,000 | $ 23,000 |
| Marion County Indiana | 2 | $ 89,000 | $ 44,000 | $ 53,000 |
| Marshall County Indiana | 2 | $ 117,000 | $ 58,000 | $ 45,000 |
| Posey County Indiana | 2 | $ 80,000 | $ 40,000 | $ 46,000 |
| Alcona County Michigan | 2 | $ 217,000 | $ 108,000 | $ 11,000 |
| Gogebic County Michigan | 2 | $ 57,000 | $ 28,000 | $ 19,000 |
| Butler County Ohio | 2 | $ 24,000 | $ 12,000 | $ 34,000 |
| Cuyahoga County Ohio | 2 | $ 139,000 | $ 69,000 | $ 43,000 |
| Greene County Ohio | 2 | $ 62,000 | $ 31,000 | $ 29,000 |
| Knox County Ohio | 2 | $ 89,000 | $ 44,000 | $ 34,000 |
| Lake County Ohio | 2 | $ 152,000 | $ 76,000 | $ 38,000 |
| Lucas County Ohio | 2 | $ 73,000 | $ 36,000 | $ 51,000 |
| Medina County Ohio | 2 | $ 47,000 | $ 23,000 | $ 40,000 |
| Mercer County Ohio | 2 | $ 150,000 | $ 75,000 | $ 26,000 |
| Morgan County Ohio | 2 | $ 47,000 | $ 23,000 | $ 31,000 |
| Putnam County Ohio | 2 | $ 28,000 | $ 14,000 | $ 45,000 |
| Warren County Ohio | 2 | $ 83,000 | $ 41,000 | $ 41,000 |
| Williams County Ohio | 2 | $ 59,000 | $ 29,000 | $ 46,000 |
| Dallas County Texas | 2 | $ 39,000 | $ 19,000 | $ 14,000 |
| Milam County Texas | 2 | $ 98,000 | $ 49,000 | $ 54,000 |
| Columbia County Wisconsin | 2 | $ 278,000 | $ 139,000 | $ 48,000 |
| Door County Wisconsin | 2 | $ 30,000 | $ 15,000 | $ 29,000 |
| Florence County Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 30,000 |
| Forest County Wisconsin | 2 | $ 159,000 | $ 79,000 | $ 87,000 |
| Green Lake County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 56,000 |
| Lafayette County Wisconsin | 2 | $ 68,000 | $ 34,000 | $ 25,000 |
| Marathon County Wisconsin | 2 | $ 105,000 | $ 52,000 | $ 36,000 |
| Outagamie County Wisconsin | 2 | $ 87,000 | $ 43,000 | $ 77,000 |
| Taylor County Wisconsin | 2 | $ 76,000 | $ 38,000 | $ 11,000 |
| Walworth County Wisconsin | 2 | $ 152,000 | $ 76,000 | $ 43,000 |
| Waukesha County Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 48,000 |
| Calhoun County Alabama | 1 | $ 22,000 | $ 22,000 | $ 54,000 |
| Shelby County Alabama | 1 | $ 39,000 | $ 39,000 | $ 49,000 |
| Mohave County Arizona | 1 | $ 60,000 | $ 60,000 | $ 22,000 |
| Crawford County Arkansas | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Garland County Arkansas | 1 | $ 26,000 | $ 26,000 | $ 17,000 |
| Imperial County California | 1 | $ 36,000 | $ 36,000 | $ 11,000 |
| Mendocino County California | 1 | $ 77,000 | $ 77,000 | $ 40,000 |
| San Diego County California | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| El Paso County Colorado | 1 | $ 109,000 | $ 109,000 | $ 92,000 |
| Mesa County Colorado | 1 | $ 43,000 | $ 43,000 | $ 36,000 |
| Monroe County Florida | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| St. Lucie County Florida | 1 | $ 24,000 | $ 24,000 | $ 44,000 |
| Spalding County Georgia | 1 | $ 16,000 | $ 16,000 | $ 8,000 |
| Stephens County Georgia | 1 | $ 7,000 | $ 7,000 | $ 28,000 |
| Walker County Georgia | 1 | $ 64,000 | $ 64,000 | $ 18,000 |
| Cook County Illinois | 1 | $ 3,000 | $ 3,000 | $ 18,000 |
| LaSalle County Illinois | 1 | $ 65,000 | $ 65,000 | $ 260,000 |
| Winnebago County Illinois | 1 | $ 12,000 | $ 12,000 | $ 52,000 |
| Cass County Indiana | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Clark County Indiana | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Clinton County Indiana | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Crawford County Indiana | 1 | $ 56,000 | $ 56,000 | $ 32,000 |
| Daviess County Indiana | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| DeKalb County Indiana | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Fountain County Indiana | 1 | $ 38,000 | $ 38,000 | $ 31,000 |
| Hendricks County Indiana | 1 | $ 121,000 | $ 121,000 | $ 42,000 |
| Jackson County Indiana | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Jay County Indiana | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Knox County Indiana | 1 | $ 36,000 | $ 36,000 | $ 32,000 |
| LaGrange County Indiana | 1 | $ 40,000 | $ 40,000 | $ 34,000 |
| Lawrence County Indiana | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Miami County Indiana | 1 | $ 70,000 | $ 70,000 | $ 74,000 |
| Orange County Indiana | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Pulaski County Indiana | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Putnam County Indiana | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
| Spencer County Indiana | 1 | $ 26,000 | $ 26,000 | $ 23,000 |
| Sullivan County Indiana | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Vanderburgh County Indiana | 1 | $ 49,000 | $ 49,000 | $ 34,000 |
| Wayne County Indiana | 1 | $ 23,000 | $ 23,000 | $ 37,000 |
| Polk County Iowa | 1 | $ 27,000 | $ 27,000 | $ 49,000 |
| Wyandotte County Kansas | 1 | $ 15,000 | $ 15,000 | $ 8,000 |
| Allen County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Rapides County Louisiana | 1 | $ 22,000 | $ 22,000 | $ 8,000 |
| St. Mary County Louisiana | 1 | $ 12,000 | $ 12,000 | $ 36,000 |
| Lenawee County Michigan | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Washtenaw County Michigan | 1 | $ 42,000 | $ 42,000 | $ 75,000 |
| Cottonwood County Minnesota | 1 | $ 29,000 | $ 29,000 | $ 82,000 |
| Forrest County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Douglas County Nebraska | 1 | $ 11,000 | $ 11,000 | $ 44,000 |
| Chautauqua County New York | 1 | $ 28,000 | $ 28,000 | $ 24,000 |
| Sullivan County New York | 1 | $ 31,000 | $ 31,000 | $ 24,000 |
| Camden County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Caswell County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 26,000 |
| Forsyth County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 12,000 |
| Adams County Ohio | 1 | $ 17,000 | $ 17,000 | $ 18,000 |
| Ashland County Ohio | 1 | $ 67,000 | $ 67,000 | $ 57,000 |
| Geauga County Ohio | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| Hamilton County Ohio | 1 | $ 13,000 | $ 13,000 | $ 10,000 |
| Hancock County Ohio | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Highland County Ohio | 1 | $ 205,000 | $ 205,000 | $ 180,000 |
| Madison County Ohio | 1 | $ 5,000 | $ 5,000 | $ 8,000 |
| Pike County Ohio | 1 | $ 47,000 | $ 47,000 | $ 28,000 |
| Preble County Ohio | 1 | $ 90,000 | $ 90,000 | $ 52,000 |
| Sandusky County Ohio | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Vinton County Ohio | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Wyandot County Ohio | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Bradley County Tennessee | 1 | $ 12,000 | $ 12,000 | $ 19,000 |
| Cheatham County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 206,000 |
| Angelina County Texas | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Bexar County Texas | 1 | $ 47,000 | $ 47,000 | $ 30,000 |
| Bosque County Texas | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Cameron County Texas | 1 | $ 34,000 | $ 34,000 | $ 40,000 |
| Collin County Texas | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Ector County Texas | 1 | $ 13,000 | $ 13,000 | $ 18,000 |
| Erath County Texas | 1 | $ 28,000 | $ 28,000 | $ 16,000 |
| Galveston County Texas | 1 | $ 13,000 | $ 13,000 | $ 60,000 |
| Gray County Texas | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Henderson County Texas | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Hidalgo County Texas | 1 | $ 71,000 | $ 71,000 | $ 57,000 |
| Hill County Texas | 1 | $ 13,000 | $ 13,000 | $ 25,000 |
| Hunt County Texas | 1 | $ 24,000 | $ 24,000 | $ 37,000 |
| Johnson County Texas | 1 | $ 11,000 | $ 11,000 | $ 37,000 |
| Kaufman County Texas | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Parker County Texas | 1 | $ 88,000 | $ 88,000 | $ 14,000 |
| Refugio County Texas | 1 | $ 23,000 | $ 23,000 | $ 17,000 |
| Sabine County Texas | 1 | $ 14,000 | $ 14,000 | $ 8,000 |
| Taylor County Texas | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Tom Green County Texas | 1 | $ 39,000 | $ 39,000 | $ 17,000 |
| Wichita County Texas | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Wise County Texas | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Pacific County Washington | 1 | $ 54,000 | $ 54,000 | $ 27,000 |
| Barron County Wisconsin | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Calumet County Wisconsin | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Clark County Wisconsin | 1 | $ 60,000 | $ 60,000 | $ 23,000 |
| Dane County Wisconsin | 1 | $ 53,000 | $ 53,000 | $ 40,000 |
| Eau Claire County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Green County Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 72,000 |
| Kenosha County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Kewaunee County Wisconsin | 1 | $ 32,000 | $ 32,000 | $ 13,000 |
| La Crosse County Wisconsin | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| Racine County Wisconsin | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Sauk County Wisconsin | 1 | $ 57,000 | $ 57,000 | $ 22,000 |
| Trempealeau County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for First National Bank Of America in 2005
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 | 1,587 | $53,425,000 | $29,117 | $250,000 | $40,823 | $420,000 |
| Refinancing | 1,089 | $63,646,000 | $42,214 | $475,000 | $36,142 | $550,000 |
| Home Purchase | 295 | $15,910,000 | $47,250 | $199,000 | $52,000 | $225,000 |
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 | 1,963 | $92,891,000 | $39,470 | $326,000 | $47,941 | $420,000 |
| Black or African American | 363 | $12,106,000 | $30,600 | $245,000 | $32,400 | $550,000 |
| Not Provided | 355 | $16,667,000 | $33,727 | $475,000 | $35,181 | $225,000 |
| American Indian or Alaskan Native | 170 | $6,038,000 | $38,333 | $187,000 | $27,444 | $112,000 |
| Hispanic | 104 | $4,344,000 | $34,272 | $168,000 | $31,000 | $90,000 |
| Asian | 9 | $481,000 | $52,000 | $85,000 | $42,750 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $454,000 | $51,750 | $105,000 | $54,750 | $186,000 |
| Not applicable | 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) | 2,971 | $132,981,000 | $35,173 | $475,000 | $40,956 | $550,000 |
| 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 | 1,848 | $93,156,000 | $41,235 | $475,000 | $40,058 | $550,000 |
| Loan Originated | 821 | $31,459,000 | $26,416 | $371,000 | $34,583 | $300,000 |
| Application Approved But Not Accepted | 277 | $6,751,000 | $27,500 | $125,000 | $35,333 | $206,000 |
| Application Withdrawn By Applicant | 20 | $1,402,000 | $48,200 | $180,000 | $24,000 | $92,000 |
| File Closed For Incompleteness | 5 | $213,000 | $47,000 | $103,000 | $42,000 | $68,000 |
| 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 | 1,134 | $54,763,000 | $41,500 | $276,000 | $55,333 | $260,000 |
| Collateral | 358 | $19,437,000 | $47,555 | $475,000 | $40,111 | $420,000 |
| Debt-To-Income Ratio | 288 | $15,499,000 | $46,900 | $249,000 | $24,700 | $550,000 |
| Employment History | 22 | $975,000 | $49,200 | $148,000 | $37,400 | $86,000 |
| Unverifiable Information | 19 | $1,369,000 | $73,000 | $250,000 | $84,750 | $192,000 |
| Other | 17 | $619,000 | $33,000 | $133,000 | $35,142 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $481,000 | $37,666 | $118,000 | $20,000 | $48,000 |
| Credit Application Incomplete | 1 | $13,000 | $13,000 | $13,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Of America's 2005 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.