First National Bank of America Mortgage Lending & HMDA Data, 2008

In 2008, First National Bank of America of East Lansing, MI reported 3,956 mortgage applications totaling $199.5 million, down 10% from 2007. The average application was for $50,430, and applicants reported an average income of $41,709. 21% of its applications resulted in an originated loan and 64% were denied. Its largest markets were Tampa-St. Petersburg-Clearwater, FL (169), Jacksonville, FL (121) and Flint, MI (119) (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
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Total Number of Mortgage Applications 3,956
Total Mortgage Loan Application Amount $199,503,000
Average Mortgage Loan Application Amount $50,430
Highest Mortgage Loan Application Amount $860,000
Average Applicant Income $41,709
Highest Applicant Income $1,164,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Genesee, Michigan 119 $ 4,493,000 $ 37,756 $ 37,000
Marion, Florida 79 $ 3,791,000 $ 47,987 $ 39,000
Wayne, Michigan 71 $ 5,338,000 $ 75,183 $ 59,000
Ingham, Michigan 68 $ 7,659,000 $ 112,632 $ 79,000
Polk, Florida 67 $ 3,350,000 $ 50,000 $ 43,000
Hillsborough, Florida 64 $ 4,217,000 $ 65,890 $ 49,000
Duval, Florida 61 $ 3,527,000 $ 57,819 $ 40,000
Clare, Michigan 52 $ 1,997,000 $ 38,403 $ 43,000
Putnam, Florida 50 $ 2,144,000 $ 42,880 $ 35,000
Jackson, Michigan 48 $ 2,224,000 $ 46,333 $ 41,000
Pasco, Florida 47 $ 2,490,000 $ 52,978 $ 44,000
Montcalm, Michigan 47 $ 2,267,000 $ 48,234 $ 44,000
Van Buren, Michigan 46 $ 1,800,000 $ 39,130 $ 35,000
Calhoun, Michigan 43 $ 1,707,000 $ 39,697 $ 40,000
Columbia, Florida 42 $ 2,257,000 $ 53,738 $ 36,000
Berrien, Michigan 41 $ 1,891,000 $ 46,121 $ 37,000
Gladwin, Michigan 37 $ 1,620,000 $ 43,783 $ 30,000
Newaygo, Michigan 37 $ 1,571,000 $ 42,459 $ 39,000
Oakland, Michigan 36 $ 3,397,000 $ 94,361 $ 69,000
Allegan, Michigan 33 $ 1,524,000 $ 46,181 $ 56,000
Bay, Michigan 32 $ 1,530,000 $ 47,812 $ 36,000
Macomb, Michigan 32 $ 2,244,000 $ 70,125 $ 51,000
Mecosta, Michigan 32 $ 1,504,000 $ 47,000 $ 44,000
Hernando, Florida 30 $ 1,626,000 $ 54,200 $ 39,000
Kent, Michigan 30 $ 2,197,000 $ 73,233 $ 52,000
Muskegon, Michigan 30 $ 1,354,000 $ 45,133 $ 51,000
Escambia, Florida 28 $ 1,378,000 $ 49,214 $ 31,000
Pinellas, Florida 28 $ 1,653,000 $ 59,035 $ 48,000
Volusia, Florida 28 $ 1,870,000 $ 66,785 $ 39,000
Jefferson, Alabama 26 $ 662,000 $ 25,461 $ 32,000
Eaton, Michigan 26 $ 2,286,000 $ 87,923 $ 52,000
Lake, Florida 25 $ 1,217,000 $ 48,680 $ 40,000
Ionia, Michigan 25 $ 1,135,000 $ 45,400 $ 32,000
Midland, Michigan 25 $ 988,000 $ 39,520 $ 32,000
Osceola, Michigan 25 $ 1,059,000 $ 42,360 $ 40,000
Wexford, Michigan 25 $ 963,000 $ 38,520 $ 36,000
Citrus, Florida 24 $ 865,000 $ 36,041 $ 34,000
Nassau, Florida 24 $ 1,430,000 $ 59,583 $ 39,000
Clinton, Michigan 24 $ 2,567,000 $ 106,958 $ 58,000
Washington, Mississippi 24 $ 427,000 $ 17,791 $ 21,000
St. Joseph, Indiana 23 $ 830,000 $ 36,086 $ 44,000
Isabella, Michigan 23 $ 1,621,000 $ 70,478 $ 40,000
Bay, Florida 22 $ 795,000 $ 36,136 $ 35,000
Clay, Florida 22 $ 1,088,000 $ 49,454 $ 44,000
Palm Beach, Florida 22 $ 1,249,000 $ 56,772 $ 38,000
Antrim, Michigan 21 $ 1,156,000 $ 55,047 $ 52,000
Kalkaska, Michigan 21 $ 851,000 $ 40,523 $ 33,000
Roscommon, Michigan 21 $ 792,000 $ 37,714 $ 44,000
Broward, Florida 20 $ 1,381,000 $ 69,050 $ 58,000
Arenac, Michigan 20 $ 893,000 $ 44,650 $ 43,000
Hillsdale, Michigan 20 $ 780,000 $ 39,000 $ 37,000
Saginaw, Michigan 20 $ 1,189,000 $ 59,450 $ 36,000
Lee, Florida 19 $ 878,000 $ 46,210 $ 101,000
Levy, Florida 19 $ 1,033,000 $ 54,368 $ 41,000
Cass, Michigan 19 $ 771,000 $ 40,578 $ 35,000
Crawford, Michigan 19 $ 755,000 $ 39,736 $ 37,000
Suwannee, Florida 18 $ 894,000 $ 49,666 $ 37,000
Leon, Florida 17 $ 658,000 $ 38,705 $ 25,000
Grant, Indiana 17 $ 451,000 $ 26,529 $ 27,000
Cheboygan, Michigan 17 $ 909,000 $ 53,470 $ 33,000
Manistee, Michigan 17 $ 790,000 $ 46,470 $ 38,000
Ogemaw, Michigan 17 $ 660,000 $ 38,823 $ 33,000
St. Joseph, Michigan 17 $ 1,100,000 $ 64,705 $ 34,000
Shelby, Tennessee 17 $ 715,000 $ 42,058 $ 93,000
Adams, Wisconsin 17 $ 624,000 $ 36,705 $ 36,000
Vigo, Indiana 16 $ 458,000 $ 28,625 $ 24,000
Shiawassee, Michigan 16 $ 1,526,000 $ 95,375 $ 52,000
Tuscola, Michigan 16 $ 715,000 $ 44,687 $ 36,000
Jackson, Mississippi 16 $ 757,000 $ 47,312 $ 38,000
Alachua, Florida 15 $ 655,000 $ 43,666 $ 45,000
Lake, Michigan 15 $ 528,000 $ 35,200 $ 37,000
Lenawee, Michigan 15 $ 544,000 $ 36,266 $ 34,000
Marquette, Michigan 15 $ 437,000 $ 29,133 $ 30,000
Brevard, Florida 14 $ 791,000 $ 56,500 $ 32,000
Hendry, Florida 14 $ 740,000 $ 52,857 $ 46,000
Miami-Dade, Florida 14 $ 1,125,000 $ 80,357 $ 51,000
Barry, Michigan 14 $ 870,000 $ 62,142 $ 52,000
Branch, Michigan 14 $ 636,000 $ 45,428 $ 45,000
Kalamazoo, Michigan 14 $ 716,000 $ 51,142 $ 39,000
Grand Traverse, Michigan 13 $ 1,333,000 $ 102,538 $ 51,000
Gratiot, Michigan 13 $ 640,000 $ 49,230 $ 40,000
Monroe, Michigan 13 $ 850,000 $ 65,384 $ 39,000
Oceana, Michigan 13 $ 466,000 $ 35,846 $ 34,000
Sanilac, Michigan 13 $ 823,000 $ 63,307 $ 47,000
Greene, Tennessee 13 $ 410,000 $ 31,538 $ 23,000
Marquette, Wisconsin 13 $ 746,000 $ 57,384 $ 52,000
Orange, Florida 12 $ 714,000 $ 59,500 $ 45,000
Santa Rosa, Florida 12 $ 316,000 $ 26,333 $ 28,000
LaPorte, Indiana 12 $ 461,000 $ 38,416 $ 27,000
Chippewa, Michigan 12 $ 442,000 $ 36,833 $ 63,000
Itasca, Minnesota 12 $ 661,000 $ 55,083 $ 34,000
Madison, Tennessee 12 $ 614,000 $ 51,166 $ 32,000
Marinette, Wisconsin 12 $ 551,000 $ 45,916 $ 39,000
Rock, Wisconsin 12 $ 657,000 $ 54,750 $ 35,000
Highlands, Florida 11 $ 523,000 $ 47,545 $ 37,000
St. Johns, Florida 11 $ 646,000 $ 58,727 $ 47,000
Marion, Indiana 11 $ 600,000 $ 54,545 $ 97,000
Emmet, Michigan 11 $ 742,000 $ 67,454 $ 46,000
Ottawa, Michigan 11 $ 914,000 $ 83,090 $ 75,000
Buchanan, Missouri 11 $ 234,000 $ 21,272 $ 34,000
Kosciusko, Indiana 10 $ 290,000 $ 29,000 $ 45,000
Otsego, Michigan 10 $ 536,000 $ 53,600 $ 42,000
Cass, Minnesota 10 $ 363,000 $ 36,300 $ 32,000
Harrison, Mississippi 10 $ 403,000 $ 40,300 $ 32,000
Jones, Mississippi 10 $ 388,000 $ 38,800 $ 31,000
Wayne, Mississippi 10 $ 206,000 $ 20,600 $ 31,000
Mobile, Alabama 9 $ 255,000 $ 28,333 $ 34,000
Bradford, Florida 9 $ 421,000 $ 46,777 $ 29,000
Charlotte, Florida 9 $ 411,000 $ 45,666 $ 61,000
Gilchrist, Florida 9 $ 422,000 $ 46,888 $ 34,000
Jackson, Florida 9 $ 376,000 $ 41,777 $ 34,000
Osceola, Florida 9 $ 579,000 $ 64,333 $ 44,000
Sumter, Florida 9 $ 576,000 $ 64,000 $ 47,000
Noble, Indiana 9 $ 555,000 $ 61,666 $ 32,000
Charlevoix, Michigan 9 $ 488,000 $ 54,222 $ 37,000
Iosco, Michigan 9 $ 234,000 $ 26,000 $ 30,000
Oscoda, Michigan 9 $ 381,000 $ 42,333 $ 38,000
Presque Isle, Michigan 9 $ 431,000 $ 47,888 $ 45,000
St. Clair, Michigan 9 $ 513,000 $ 57,000 $ 50,000
Adams, Mississippi 9 $ 99,000 $ 11,000 $ 23,000
Carter, Tennessee 9 $ 302,000 $ 33,555 $ 28,000
Lauderdale, Tennessee 9 $ 194,000 $ 21,555 $ 30,000
Monroe, Tennessee 9 $ 528,000 $ 58,666 $ 42,000
Tipton, Tennessee 9 $ 389,000 $ 43,222 $ 43,000
Milwaukee, Wisconsin 9 $ 875,000 $ 97,222 $ 67,000
Manatee, Florida 8 $ 776,000 $ 97,000 $ 62,000
Walton, Florida 8 $ 415,000 $ 51,875 $ 37,000
Pulaski, Kentucky 8 $ 327,000 $ 40,875 $ 33,000
Gogebic, Michigan 8 $ 95,000 $ 11,875 $ 31,000
Houghton, Michigan 8 $ 203,000 $ 25,375 $ 27,000
Mackinac, Michigan 8 $ 363,000 $ 45,375 $ 47,000
Mason, Michigan 8 $ 348,000 $ 43,500 $ 25,000
Barry, Missouri 8 $ 272,000 $ 34,000 $ 36,000
Henderson, Tennessee 8 $ 150,000 $ 18,750 $ 36,000
Roane, Tennessee 8 $ 196,000 $ 24,500 $ 26,000
Juneau, Wisconsin 8 $ 330,000 $ 41,250 $ 32,000
Portage, Wisconsin 8 $ 487,000 $ 60,875 $ 53,000
Waushara, Wisconsin 8 $ 498,000 $ 62,250 $ 49,000
Etowah, Alabama 7 $ 217,000 $ 31,000 $ 25,000
DeSoto, Florida 7 $ 361,000 $ 51,571 $ 31,000
Clay, Indiana 7 $ 283,000 $ 40,428 $ 38,000
Fulton, Indiana 7 $ 197,000 $ 28,142 $ 22,000
Owen, Indiana 7 $ 404,000 $ 57,714 $ 32,000
Missaukee, Michigan 7 $ 429,000 $ 61,285 $ 34,000
Washtenaw, Michigan 7 $ 641,000 $ 91,571 $ 64,000
Beltrami, Minnesota 7 $ 647,000 $ 92,428 $ 53,000
Copiah, Mississippi 7 $ 130,000 $ 18,571 $ 32,000
Humphreys, Mississippi 7 $ 224,000 $ 32,000 $ 26,000
Lee, Mississippi 7 $ 301,000 $ 43,000 $ 39,000
Marshall, Mississippi 7 $ 239,000 $ 34,142 $ 47,000
Monroe, Mississippi 7 $ 224,000 $ 32,000 $ 31,000
Warren, Mississippi 7 $ 121,000 $ 17,285 $ 30,000
Christian, Missouri 7 $ 200,000 $ 28,571 $ 26,000
Bradley, Tennessee 7 $ 204,000 $ 29,142 $ 25,000
Campbell, Tennessee 7 $ 124,000 $ 17,714 $ 20,000
Fentress, Tennessee 7 $ 242,000 $ 34,571 $ 22,000
Gibson, Tennessee 7 $ 266,000 $ 38,000 $ 32,000
Maury, Tennessee 7 $ 262,000 $ 37,428 $ 33,000
Sumner, Tennessee 7 $ 421,000 $ 60,142 $ 33,000
Baldwin, Alabama 6 $ 307,000 $ 51,166 $ 29,000
Collier, Florida 6 $ 380,000 $ 63,333 $ 243,000
Gadsden, Florida 6 $ 157,000 $ 26,166 $ 32,000
Indian River, Florida 6 $ 252,000 $ 42,000 $ 38,000
Sarasota, Florida 6 $ 695,000 $ 115,833 $ 20,000
Allen, Indiana 6 $ 247,000 $ 41,166 $ 44,000
Dearborn, Indiana 6 $ 321,000 $ 53,500 $ 39,000
Henry, Indiana 6 $ 174,000 $ 29,000 $ 22,000
Lawrence, Indiana 6 $ 143,000 $ 23,833 $ 30,000
Sullivan, Indiana 6 $ 116,000 $ 19,333 $ 39,000
Alcona, Michigan 6 $ 322,000 $ 53,666 $ 32,000
Alger, Michigan 6 $ 316,000 $ 52,666 $ 29,000
Lapeer, Michigan 6 $ 389,000 $ 64,833 $ 45,000
Livingston, Michigan 6 $ 653,000 $ 108,833 $ 70,000
Menominee, Michigan 6 $ 245,000 $ 40,833 $ 54,000
Crow Wing, Minnesota 6 $ 223,000 $ 37,166 $ 33,000
Morrison, Minnesota 6 $ 267,000 $ 44,500 $ 31,000
Otter Tail, Minnesota 6 $ 238,000 $ 39,666 $ 27,000
Marion, Mississippi 6 $ 257,000 $ 42,833 $ 28,000
Cocke, Tennessee 6 $ 241,000 $ 40,166 $ 25,000
Haywood, Tennessee 6 $ 258,000 $ 43,000 $ 29,000
Hickman, Tennessee 6 $ 148,000 $ 24,666 $ 18,000
Knox, Tennessee 6 $ 560,000 $ 93,333 $ 59,000
Calumet, Wisconsin 6 $ 244,000 $ 40,666 $ 33,000
Polk, Wisconsin 6 $ 497,000 $ 82,833 $ 76,000
Racine, Wisconsin 6 $ 709,000 $ 118,166 $ 79,000
Dixie, Florida 5 $ 405,000 $ 81,000 $ 67,000
Seminole, Florida 5 $ 355,000 $ 71,000 $ 54,000
Cass, Indiana 5 $ 159,000 $ 31,800 $ 35,000
Starke, Indiana 5 $ 279,000 $ 55,800 $ 62,000
Alpena, Michigan 5 $ 142,000 $ 28,400 $ 29,000
Benzie, Michigan 5 $ 255,000 $ 51,000 $ 49,000
Ontonagon, Michigan 5 $ 187,000 $ 37,400 $ 28,000
Hennepin, Minnesota 5 $ 558,000 $ 111,600 $ 47,000
Lauderdale, Mississippi 5 $ 39,000 $ 7,800 $ 27,000
Boone, Missouri 5 $ 139,000 $ 27,800 $ 32,000
Benton, Tennessee 5 $ 186,000 $ 37,200 $ 35,000
Franklin, Tennessee 5 $ 257,000 $ 51,400 $ 29,000
Hardeman, Tennessee 5 $ 104,000 $ 20,800 $ 22,000
Marion, Tennessee 5 $ 151,000 $ 30,200 $ 27,000
McNairy, Tennessee 5 $ 218,000 $ 43,600 $ 30,000
Robertson, Tennessee 5 $ 313,000 $ 62,600 $ 38,000
Williamson, Tennessee 5 $ 315,000 $ 63,000 $ 75,000
Brown, Wisconsin 5 $ 349,000 $ 69,800 $ 49,000
Dane, Wisconsin 5 $ 403,000 $ 80,600 $ 55,000
Langlade, Wisconsin 5 $ 155,000 $ 31,000 $ 28,000
Oneida, Wisconsin 5 $ 345,000 $ 69,000 $ 64,000
Outagamie, Wisconsin 5 $ 214,000 $ 42,800 $ 26,000
Rusk, Wisconsin 5 $ 169,000 $ 33,800 $ 22,000
Flagler, Florida 4 $ 152,000 $ 38,000 $ 39,000
Martin, Florida 4 $ 222,000 $ 55,500 $ 34,000
Monroe, Florida 4 $ 415,000 $ 103,750 $ 324,000
Okaloosa, Florida 4 $ 121,000 $ 30,250 $ 29,000
Taylor, Florida 4 $ 135,000 $ 33,750 $ 25,000
Washington, Florida 4 $ 182,000 $ 45,500 $ 36,000
Madison, Indiana 4 $ 59,000 $ 14,750 $ 22,000
Marshall, Indiana 4 $ 121,000 $ 30,250 $ 33,000
Pulaski, Indiana 4 $ 119,000 $ 29,750 $ 32,000
Tippecanoe, Indiana 4 $ 116,000 $ 29,000 $ 24,000
Delta, Michigan 4 $ 158,000 $ 39,500 $ 41,000
Huron, Michigan 4 $ 128,000 $ 32,000 $ 26,000
Iron, Michigan 4 $ 81,000 $ 20,250 $ 25,000
Schoolcraft, Michigan 4 $ 152,000 $ 38,000 $ 44,000
Aitkin, Minnesota 4 $ 320,000 $ 80,000 $ 43,000
Becker, Minnesota 4 $ 157,000 $ 39,250 $ 52,000
Blue Earth, Minnesota 4 $ 554,000 $ 138,500 $ 59,000
Carlton, Minnesota 4 $ 157,000 $ 39,250 $ 19,000
St. Louis, Minnesota 4 $ 168,000 $ 42,000 $ 25,000
Stearns, Minnesota 4 $ 234,000 $ 58,500 $ 39,000
Alcorn, Mississippi 4 $ 140,000 $ 35,000 $ 31,000
Lincoln, Mississippi 4 $ 128,000 $ 32,000 $ 32,000
Oktibbeha, Mississippi 4 $ 117,000 $ 29,250 $ 30,000
Pearl River, Mississippi 4 $ 134,000 $ 33,500 $ 26,000
Rankin, Mississippi 4 $ 61,000 $ 15,250 $ 21,000
Yazoo, Mississippi 4 $ 83,000 $ 20,750 $ 49,000
Phelps, Missouri 4 $ 137,000 $ 34,250 $ 18,000
Stone, Missouri 4 $ 253,000 $ 63,250 $ 30,000
Taney, Missouri 4 $ 291,000 $ 72,750 $ 49,000
Carroll, Tennessee 4 $ 120,000 $ 30,000 $ 46,000
Cumberland, Tennessee 4 $ 231,000 $ 57,750 $ 25,000
Davidson, Tennessee 4 $ 316,000 $ 79,000 $ 50,000
Fayette, Tennessee 4 $ 175,000 $ 43,750 $ 34,000
Grainger, Tennessee 4 $ 157,000 $ 39,250 $ 37,000
Jefferson, Tennessee 4 $ 248,000 $ 62,000 $ 46,000
Johnson, Tennessee 4 $ 116,000 $ 29,000 $ 26,000
Lewis, Tennessee 4 $ 175,000 $ 43,750 $ 30,000
McMinn, Tennessee 4 $ 114,000 $ 28,500 $ 17,000
Morgan, Tennessee 4 $ 144,000 $ 36,000 $ 38,000
Obion, Tennessee 4 $ 77,000 $ 19,250 $ 23,000
Rhea, Tennessee 4 $ 137,000 $ 34,250 $ 29,000
Sevier, Tennessee 4 $ 206,000 $ 51,500 $ 27,000
Weakley, Tennessee 4 $ 154,000 $ 38,500 $ 53,000
Ashland, Wisconsin 4 $ 163,000 $ 40,750 $ 29,000
Barron, Wisconsin 4 $ 177,000 $ 44,250 $ 28,000
Douglas, Wisconsin 4 $ 194,000 $ 48,500 $ 29,000
Marathon, Wisconsin 4 $ 417,000 $ 104,250 $ 59,000
Monroe, Wisconsin 4 $ 115,000 $ 28,750 $ 20,000
Richland, Wisconsin 4 $ 377,000 $ 94,250 $ 50,000
Calhoun, Alabama 3 $ 35,000 $ 11,666 $ 20,000
Shelby, Alabama 3 $ 171,000 $ 57,000 $ 28,000
Baker, Florida 3 $ 150,000 $ 50,000 $ 48,000
Holmes, Florida 3 $ 198,000 $ 66,000 $ 28,000
Okeechobee, Florida 3 $ 68,000 $ 22,666 $ 46,000
Wakulla, Florida 3 $ 108,000 $ 36,000 $ 55,000
Lake, Indiana 3 $ 226,000 $ 75,333 $ 78,000
White, Indiana 3 $ 104,000 $ 34,666 $ 37,000
Hardin, Kentucky 3 $ 241,000 $ 80,333 $ 41,000
Dickinson, Michigan 3 $ 179,000 $ 59,666 $ 46,000
Montmorency, Michigan 3 $ 79,000 $ 26,333 $ 26,000
Meeker, Minnesota 3 $ 137,000 $ 45,666 $ 31,000
Norman, Minnesota 3 $ 54,000 $ 18,000 $ 23,000
Pine, Minnesota 3 $ 60,000 $ 20,000 $ 17,000
Ramsey, Minnesota 3 $ 68,000 $ 22,666 $ 35,000
Roseau, Minnesota 3 $ 74,000 $ 24,666 $ 23,000
Winona, Minnesota 3 $ 256,000 $ 85,333 $ 46,000
Clarke, Mississippi 3 $ 77,000 $ 25,666 $ 27,000
George, Mississippi 3 $ 109,000 $ 36,333 $ 19,000
Greene, Mississippi 3 $ 99,000 $ 33,000 $ 39,000
Perry, Mississippi 3 $ 122,000 $ 40,666 $ 51,000
Union, Mississippi 3 $ 72,000 $ 24,000 $ 30,000
Camden, Missouri 3 $ 115,000 $ 38,333 $ 42,000
Cass, Missouri 3 $ 60,000 $ 20,000 $ 36,000
Jackson, Missouri 3 $ 183,000 $ 61,000 $ 66,000
Lawrence, Missouri 3 $ 51,000 $ 17,000 $ 20,000
Cannon, Tennessee 3 $ 209,000 $ 69,666 $ 41,000
Claiborne, Tennessee 3 $ 175,000 $ 58,333 $ 40,000
Dickson, Tennessee 3 $ 221,000 $ 73,666 $ 35,000
Giles, Tennessee 3 $ 175,000 $ 58,333 $ 31,000
Hamblen, Tennessee 3 $ 226,000 $ 75,333 $ 31,000
Hardin, Tennessee 3 $ 99,000 $ 33,000 $ 26,000
Hawkins, Tennessee 3 $ 41,000 $ 13,666 $ 26,000
Lincoln, Tennessee 3 $ 165,000 $ 55,000 $ 34,000
Loudon, Tennessee 3 $ 153,000 $ 51,000 $ 29,000
Marshall, Tennessee 3 $ 167,000 $ 55,666 $ 43,000
Putnam, Tennessee 3 $ 118,000 $ 39,333 $ 31,000
Scott, Tennessee 3 $ 70,000 $ 23,333 $ 27,000
Smith, Tennessee 3 $ 133,000 $ 44,333 $ 20,000
Stewart, Tennessee 3 $ 55,000 $ 18,333 $ 29,000
Warren, Tennessee 3 $ 118,000 $ 39,333 $ 20,000
Clark, Wisconsin 3 $ 149,000 $ 49,666 $ 42,000
Crawford, Wisconsin 3 $ 228,000 $ 76,000 $ 31,000
Dodge, Wisconsin 3 $ 231,000 $ 77,000 $ 69,000
Door, Wisconsin 3 $ 160,000 $ 53,333 $ 31,000
Fond du Lac, Wisconsin 3 $ 409,000 $ 136,333 $ 38,000
Forest, Wisconsin 3 $ 121,000 $ 40,333 $ 37,000
Grant, Wisconsin 3 $ 104,000 $ 34,666 $ 27,000
Jackson, Wisconsin 3 $ 111,000 $ 37,000 $ 41,000
Kewaunee, Wisconsin 3 $ 321,000 $ 107,000 $ 71,000
Manitowoc, Wisconsin 3 $ 152,000 $ 50,666 $ 54,000
Oconto, Wisconsin 3 $ 93,000 $ 31,000 $ 29,000
Sawyer, Wisconsin 3 $ 217,000 $ 72,333 $ 33,000
Shawano, Wisconsin 3 $ 110,000 $ 36,666 $ 38,000
Sheboygan, Wisconsin 3 $ 226,000 $ 75,333 $ 38,000
Taylor, Wisconsin 3 $ 107,000 $ 35,666 $ 33,000
Vilas, Wisconsin 3 $ 293,000 $ 97,666 $ 51,000
Washburn, Wisconsin 3 $ 94,000 $ 31,333 $ 29,000
Waupaca, Wisconsin 3 $ 139,000 $ 46,333 $ 33,000
Wood, Wisconsin 3 $ 97,000 $ 32,333 $ 28,000
Madison, Alabama 2 $ 32,000 $ 16,000 $ 24,000
Marshall, Alabama 2 $ 68,000 $ 34,000 $ 24,000
Yavapai, Arizona 2 $ 51,000 $ 25,500 $ 33,000
Calhoun, Florida 2 $ 88,000 $ 44,000 $ 33,000
Madison, Florida 2 $ 88,000 $ 44,000 $ 27,000
Cook, Illinois 2 $ 27,000 $ 13,500 $ 37,000
Clark, Indiana 2 $ 391,000 $ 195,500 $ 90,000
Decatur, Indiana 2 $ 107,000 $ 53,500 $ 40,000
Delaware, Indiana 2 $ 62,000 $ 31,000 $ 37,000
Elkhart, Indiana 2 $ 68,000 $ 34,000 $ 45,000
Fayette, Indiana 2 $ 18,000 $ 9,000 $ 21,000
Jefferson, Indiana 2 $ 50,000 $ 25,000 $ 35,000
Monroe, Indiana 2 $ 37,000 $ 18,500 $ 48,000
Newton, Indiana 2 $ 210,000 $ 105,000 $ 62,000
Ripley, Indiana 2 $ 22,000 $ 11,000 $ 19,000
Washington, Indiana 2 $ 60,000 $ 30,000 $ 38,000
Whitley, Indiana 2 $ 150,000 $ 75,000 $ 50,000
Leelanau, Michigan 2 $ 240,000 $ 120,000 $ 46,000
Chippewa, Minnesota 2 $ 140,000 $ 70,000 $ 43,000
Dakota, Minnesota 2 $ 50,000 $ 25,000 $ 36,000
Faribault, Minnesota 2 $ 59,000 $ 29,500 $ 37,000
Martin, Minnesota 2 $ 28,000 $ 14,000 $ 14,000
Mower, Minnesota 2 $ 88,000 $ 44,000 $ 32,000
Sherburne, Minnesota 2 $ 195,000 $ 97,500 $ 53,000
Wadena, Minnesota 2 $ 31,000 $ 15,500 $ 89,000
Kemper, Mississippi 2 $ 60,000 $ 30,000 $ 24,000
Lowndes, Mississippi 2 $ 72,000 $ 36,000 $ 18,000
Newton, Mississippi 2 $ 101,000 $ 50,500 $ 40,000
Scott, Mississippi 2 $ 36,000 $ 18,000 $ 38,000
Tippah, Mississippi 2 $ 70,000 $ 35,000 $ 36,000
Morgan, Missouri 2 $ 25,000 $ 12,500 $ 11,000
Ozark, Missouri 2 $ 71,000 $ 35,500 $ 25,000
Blount, Tennessee 2 $ 223,000 $ 111,500 $ 54,000
Decatur, Tennessee 2 $ 96,000 $ 48,000 $ 69,000
Henry, Tennessee 2 $ 56,000 $ 28,000 $ 41,000
Houston, Tennessee 2 $ 83,000 $ 41,500 $ 39,000
Overton, Tennessee 2 $ 50,000 $ 25,000 $ 19,000
Polk, Tennessee 2 $ 40,000 $ 20,000 $ 31,000
Trousdale, Tennessee 2 $ 175,000 $ 87,500 $ 52,000
Union, Tennessee 2 $ 137,000 $ 68,500 $ 37,000
White, Tennessee 2 $ 51,000 $ 25,500 $ 20,000
Bayfield, Wisconsin 2 $ 116,000 $ 58,000 $ 21,000
Columbia, Wisconsin 2 $ 168,000 $ 84,000 $ 49,000
Dunn, Wisconsin 2 $ 25,000 $ 12,500 $ 13,000
Florence, Wisconsin 2 $ 189,000 $ 94,500 $ 50,000
Green Lake, Wisconsin 2 $ 84,000 $ 42,000 $ 51,000
Jefferson, Wisconsin 2 $ 189,000 $ 94,500 $ 81,000
La Crosse, Wisconsin 2 $ 146,000 $ 73,000 $ 40,000
Menominee, Wisconsin 2 $ 28,000 $ 14,000 $ 24,000
Pepin, Wisconsin 2 $ 71,000 $ 35,500 $ 21,000
Pierce, Wisconsin 2 $ 207,000 $ 103,500 $ 62,000
Price, Wisconsin 2 $ 74,000 $ 37,000 $ 40,000
Vernon, Wisconsin 2 $ 74,000 $ 37,000 $ 22,000
Chambers, Alabama 1 $ 55,000 $ 55,000 $ 96,000
Chilton, Alabama 1 $ 11,000 $ 11,000 $ 58,000
Conecuh, Alabama 1 $ 10,000 $ 10,000 $ 19,000
DeKalb, Alabama 1 $ 28,000 $ 28,000 $ 28,000
Jackson, Alabama 1 $ 15,000 $ 15,000 $ 25,000
Lauderdale, Alabama 1 $ 6,000 $ 6,000 $ 19,000
Lee, Alabama 1 $ 15,000 $ 15,000 $ 10,000
Montgomery, Alabama 1 $ 18,000 $ 18,000 $ 9,000
Morgan, Alabama 1 $ 32,000 $ 32,000 $ 42,000
Russell, Alabama 1 $ 10,000 $ 10,000 $ 10,000
Yukon-Koyukuk, Alaska 1 $ 44,000 $ 44,000 $ 37,000
Crawford, Arkansas 1 $ 45,000 $ 45,000 $ 15,000
Kern, California 1 $ 7,000 $ 7,000 $ 14,000
Franklin, Florida 1 $ 5,000 $ 5,000 $ 18,000
Glades, Florida 1 $ 51,000 $ 51,000 $ 167,000
Hamilton, Florida 1 $ 25,000 $ 25,000 $ 30,000
Hardee, Florida 1 $ 58,000 $ 58,000 $ 50,000
Liberty, Florida 1 $ 56,000 $ 56,000 $ 26,000
St. Lucie, Florida 1 $ 133,000 $ 133,000 $ 222,000
Union, Florida 1 $ 65,000 $ 65,000 $ 60,000
Chatham, Georgia 1 $ 37,000 $ 37,000 $ 31,000
Douglas, Georgia 1 $ 31,000 $ 31,000 $ 49,000
Forsyth, Georgia 1 $ 56,000 $ 56,000 $ 24,000
Hall, Georgia 1 $ 35,000 $ 35,000 $ 72,000
Rabun, Georgia 1 $ 144,000 $ 144,000 $ 16,000
Boone, Indiana 1 $ 6,000 $ 6,000 $ 18,000
DeKalb, Indiana 1 $ 15,000 $ 15,000 $ 25,000
Fountain, Indiana 1 $ 14,000 $ 14,000 $ 21,000
Franklin, Indiana 1 $ 158,000 $ 158,000 $ 62,000
Hamilton, Indiana 1 $ 80,000 $ 80,000 $ 52,000
Harrison, Indiana 1 $ 108,000 $ 108,000 $ 56,000
Jackson, Indiana 1 $ 45,000 $ 45,000 $ 73,000
Jasper, Indiana 1 $ 35,000 $ 35,000 $ 48,000
Jennings, Indiana 1 $ 11,000 $ 11,000 $ 13,000
LaGrange, Indiana 1 $ 32,000 $ 32,000 $ 68,000
Orange, Indiana 1 $ 68,000 $ 68,000 $ 89,000
Putnam, Indiana 1 $ 50,000 $ 50,000 $ 140,000
Rush, Indiana 1 $ 50,000 $ 50,000 $ 38,000
Scott, Indiana 1 $ 44,000 $ 44,000 $ 32,000
Tipton, Indiana 1 $ 36,000 $ 36,000 $ 56,000
Vanderburgh, Indiana 1 $ 31,000 $ 31,000 $ 43,000
Wabash, Indiana 1 $ 85,000 $ 85,000 $ 83,000
Warren, Indiana 1 $ 43,000 $ 43,000 $ 68,000
Warrick, Indiana 1 $ 14,000 $ 14,000 $ 15,000
Anderson, Kansas 1 $ 23,000 $ 23,000 $ 26,000
Boyle, Kentucky 1 $ 50,000 $ 50,000 $ 29,000
Bullitt, Kentucky 1 $ 98,000 $ 98,000 $ 30,000
Fulton, Kentucky 1 $ 13,000 $ 13,000 $ 82,000
Hancock, Kentucky 1 $ 35,000 $ 35,000 $ 44,000
Harlan, Kentucky 1 $ 15,000 $ 15,000 $ 15,000
Henderson, Kentucky 1 $ 67,000 $ 67,000 $ 43,000
Henry, Kentucky 1 $ 98,000 $ 98,000 $ 108,000
Lawrence, Kentucky 1 $ 6,000 $ 6,000 $ 53,000
Wayne, Kentucky 1 $ 13,000 $ 13,000 $ 38,000
Baraga, Michigan 1 $ 70,000 $ 70,000 $ 38,000
Keweenaw, Michigan 1 $ 140,000 $ 140,000 $ 17,000
Chisago, Minnesota 1 $ 184,000 $ 184,000 $ 49,000
Clay, Minnesota 1 $ 12,000 $ 12,000 $ 30,000
Clearwater, Minnesota 1 $ 5,000 $ 5,000 $ 11,000
Houston, Minnesota 1 $ 72,000 $ 72,000 $ 55,000
Isanti, Minnesota 1 $ 113,000 $ 113,000 $ 78,000
Jackson, Minnesota 1 $ 18,000 $ 18,000 $ 12,000
Koochiching, Minnesota 1 $ 10,000 $ 10,000 $ 14,000
Lac qui Parle, Minnesota 1 $ 26,000 $ 26,000 $ 21,000
Lake of the Woods, Minnesota 1 $ 10,000 $ 10,000 $ 18,000
Le Sueur, Minnesota 1 $ 88,000 $ 88,000 $ 62,000
Mahnomen, Minnesota 1 $ 186,000 $ 186,000 $ 127,000
McLeod, Minnesota 1 $ 94,000 $ 94,000 $ 40,000
Pennington, Minnesota 1 $ 7,000 $ 7,000 $ 27,000
Red Lake, Minnesota 1 $ 19,000 $ 19,000 $ 41,000
Redwood, Minnesota 1 $ 20,000 $ 20,000 $ 26,000
Renville, Minnesota 1 $ 16,000 $ 16,000 $ 28,000
Rice, Minnesota 1 $ 45,000 $ 45,000 $ 30,000
Sibley, Minnesota 1 $ 25,000 $ 25,000 $ 18,000
Steele, Minnesota 1 $ 40,000 $ 40,000 $ 40,000
Swift, Minnesota 1 $ 6,000 $ 6,000 $ 9,000
Amite, Mississippi 1 $ 23,000 $ 23,000 $ 61,000
Chickasaw, Mississippi 1 $ 50,000 $ 50,000 $ 21,000
Hinds, Mississippi 1 $ 46,000 $ 46,000 $ 17,000
Lafayette, Mississippi 1 $ 18,000 $ 18,000 $ 23,000
Lamar, Mississippi 1 $ 5,000 $ 5,000 $ 20,000
Leake, Mississippi 1 $ 22,000 $ 22,000 $ 70,000
Neshoba, Mississippi 1 $ 7,000 $ 7,000 $ 22,000
Panola, Mississippi 1 $ 15,000 $ 15,000 $ 48,000
Pike, Mississippi 1 $ 22,000 $ 22,000 $ 18,000
Sharkey, Mississippi 1 $ 23,000 $ 23,000 $ 85,000
Stone, Mississippi 1 $ 55,000 $ 55,000 $ 23,000
Dallas, Missouri 1 $ 5,000 $ 5,000 $ 9,000
Jefferson, Missouri 1 $ 23,000 $ 23,000 $ 26,000
St. Louis, Missouri 1 $ 74,000 $ 74,000 $ 72,000
Ste. Genevieve, Missouri 1 $ 102,000 $ 102,000 $ 60,000
Clark, Nevada 1 $ 84,000 $ 84,000 $ 171,000
Bernalillo, New Mexico 1 $ 98,000 $ 98,000 $ 45,000
Luna, New Mexico 1 $ 25,000 $ 25,000 $ 48,000
Nassau, New York 1 $ 55,000 $ 55,000 $ 36,000
Rockland, New York 1 $ 35,000 $ 35,000 $ 190,000
Beaufort, North Carolina 1 $ 42,000 $ 42,000 $ 0
Catawba, North Carolina 1 $ 23,000 $ 23,000 $ 34,000
Cumberland, North Carolina 1 $ 30,000 $ 30,000 $ 72,000
Dare, North Carolina 1 $ 294,000 $ 294,000 $ 63,000
Edgecombe, North Carolina 1 $ 8,000 $ 8,000 $ 24,000
Jackson, North Carolina 1 $ 13,000 $ 13,000 $ 12,000
Lucas, Ohio 1 $ 13,000 $ 13,000 $ 31,000
Lehigh, Pennsylvania 1 $ 80,000 $ 80,000 $ 19,000
Venango, Pennsylvania 1 $ 38,000 $ 38,000 $ 60,000
Sumter, South Carolina 1 $ 24,000 $ 24,000 $ 48,000
Anderson, Tennessee 1 $ 49,000 $ 49,000 $ 35,000
Bedford, Tennessee 1 $ 35,000 $ 35,000 $ 51,000
Bledsoe, Tennessee 1 $ 25,000 $ 25,000 $ 33,000
Cheatham, Tennessee 1 $ 32,000 $ 32,000 $ 35,000
Chester, Tennessee 1 $ 56,000 $ 56,000 $ 49,000
Clay, Tennessee 1 $ 12,000 $ 12,000 $ 17,000
Coffee, Tennessee 1 $ 37,000 $ 37,000 $ 23,000
Crockett, Tennessee 1 $ 14,000 $ 14,000 $ 29,000
Dyer, Tennessee 1 $ 8,000 $ 8,000 $ 14,000
Grundy, Tennessee 1 $ 5,000 $ 5,000 $ 0
Hancock, Tennessee 1 $ 18,000 $ 18,000 $ 18,000
Humphreys, Tennessee 1 $ 34,000 $ 34,000 $ 36,000
Lawrence, Tennessee 1 $ 111,000 $ 111,000 $ 31,000
Meigs, Tennessee 1 $ 70,000 $ 70,000 $ 54,000
Pickett, Tennessee 1 $ 5,000 $ 5,000 $ 14,000
Rutherford, Tennessee 1 $ 80,000 $ 80,000 $ 36,000
Sequatchie, Tennessee 1 $ 25,000 $ 25,000 $ 21,000
Van Buren, Tennessee 1 $ 38,000 $ 38,000 $ 27,000
Washington, Tennessee 1 $ 110,000 $ 110,000 $ 63,000
Wayne, Tennessee 1 $ 35,000 $ 35,000 $ 19,000
Brazos, Texas 1 $ 88,000 $ 88,000 $ 29,000
Montgomery, Texas 1 $ 68,000 $ 68,000 $ 19,000
Parker, Texas 1 $ 17,000 $ 17,000 $ 24,000
Travis, Texas 1 $ 50,000 $ 50,000 $ 144,000
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Mortgage Loan Application Detail Totals for First National Bank of America in 2008

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 1,956 $65,463,000 $33,000 $295,000 $34,000 $1,164,000
Refinancing 1,500 $101,579,000 $67,000 $860,000 $46,000 $599,000
Home Purchase 500 $32,461,000 $64,000 $400,000 $59,000 $1,133,000

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 2,418 $125,987,000 $52,000 $860,000 $43,000 $1,164,000
Not Provided 645 $34,009,000 $52,000 $500,000 $43,000 $624,000
Black or African American 633 $26,428,000 $41,000 $295,000 $38,000 $383,000
American Indian or Alaskan Native 125 $4,920,000 $39,000 $272,000 $33,000 $216,000
Hispanic 118 $6,448,000 $54,000 $211,000 $48,000 $180,000
Asian 9 $1,407,000 $156,000 $375,000 $85,000 $240,000
Native Hawaiian or Other Pacific Islander 5 $187,000 $37,000 $56,000 $29,000 $48,000
Not applicable 3 $117,000 $39,000 $97,000 $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) 3,956 $199,503,000 $50,000 $860,000 $42,000 $1,164,000
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 2,527 $142,380,000 $56,000 $860,000 $43,000 $1,164,000
Loan Originated 835 $39,487,000 $47,000 $417,000 $47,000 $599,000
Application Approved But Not Accepted 559 $14,923,000 $26,000 $140,000 $30,000 $147,000
Application Withdrawn By Applicant 18 $771,000 $42,000 $168,000 $20,000 $60,000
File Closed For Incompleteness 10 $1,615,000 $161,000 $295,000 $54,000 $274,000
Loan Purchased By The Institution 7 $327,000 $46,000 $97,000 $13,000 $60,000
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
Credit History 1,306 $67,583,000 $51,000 $491,000 $40,000 $624,000
Debt-To-Income Ratio 434 $26,435,000 $60,000 $490,000 $33,000 $222,000
Other 384 $21,433,000 $55,000 $500,000 $52,000 $1,164,000
Collateral 314 $18,994,000 $60,000 $860,000 $49,000 $1,106,000
Unverifiable Information 62 $6,404,000 $103,000 $375,000 $71,000 $240,000
Employment History 18 $664,000 $36,000 $140,000 $28,000 $51,000
Insufficient Cash (Downpayment, Closing Cost) 8 $852,000 $106,000 $290,000 $80,000 $258,000
Credit Application Incomplete 1 $15,000 $15,000 $15,000 $14,000 $14,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2008 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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