First National Bank of America Mortgage Lending & HMDA Data, 2011

In 2011, First National Bank of America of East Lansing, MI reported 1,763 mortgage applications totaling $142.5 million, down 40% from 2010. The average application was for $80,801, and applicants reported an average income of $29,420. 20% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Lansing-East Lansing, MI (86), Tampa-St. Petersburg-Clearwater, FL (56) and Grand Rapids-Wyoming, MI (50) (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 1,763
Total Mortgage Loan Application Amount $142,453,000
Average Mortgage Loan Application Amount $80,801
Highest Mortgage Loan Application Amount $4,820,000
Average Applicant Income $29,420
Highest Applicant Income $653,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Ingham, Michigan 54 $ 15,942,000 $ 295,222 $ 66,000
Harris, Texas 32 $ 2,957,000 $ 92,406 $ 18,000
Hillsborough, Florida 29 $ 2,292,000 $ 79,034 $ 66,000
Polk, Florida 24 $ 919,000 $ 38,291 $ 35,000
Orange, Florida 20 $ 1,541,000 $ 77,050 $ 53,000
Kent, Michigan 19 $ 1,457,000 $ 76,684 $ 48,000
Jackson, Michigan 18 $ 858,000 $ 47,666 $ 36,000
Eaton, Michigan 17 $ 3,147,000 $ 185,117 $ 46,000
Allegheny, Pennsylvania 17 $ 737,000 $ 43,352 $ 0
Bexar, Texas 17 $ 1,401,000 $ 82,411 $ 4,000
Pasco, Florida 16 $ 647,000 $ 40,437 $ 40,000
Osceola, Florida 15 $ 885,000 $ 59,000 $ 48,000
Volusia, Florida 15 $ 822,000 $ 54,800 $ 58,000
Clinton, Michigan 15 $ 2,404,000 $ 160,266 $ 121,000
Broward, Florida 14 $ 1,020,000 $ 72,857 $ 52,000
Marion, Florida 13 $ 558,000 $ 42,923 $ 35,000
Cook, Illinois 13 $ 1,133,000 $ 87,153 $ 7,000
Antrim, Michigan 13 $ 617,000 $ 47,461 $ 42,000
Montcalm, Michigan 13 $ 963,000 $ 74,076 $ 45,000
Newaygo, Michigan 13 $ 605,000 $ 46,538 $ 56,000
Wexford, Michigan 13 $ 502,000 $ 38,615 $ 41,000
Calhoun, Michigan 12 $ 532,000 $ 44,333 $ 37,000
Gladwin, Michigan 12 $ 453,000 $ 37,750 $ 30,000
Los Angeles, California 11 $ 2,291,000 $ 208,272 $ 0
Allegan, Michigan 11 $ 1,088,000 $ 98,909 $ 54,000
Ionia, Michigan 11 $ 341,000 $ 31,000 $ 37,000
Duval, Florida 10 $ 482,000 $ 48,200 $ 41,000
Van Buren, Michigan 10 $ 392,000 $ 39,200 $ 32,000
Brevard, Florida 9 $ 1,016,000 $ 112,888 $ 40,000
Berrien, Michigan 9 $ 1,275,000 $ 141,666 $ 90,000
Genesee, Michigan 9 $ 298,000 $ 33,111 $ 50,000
Manistee, Michigan 9 $ 769,000 $ 85,444 $ 29,000
Oakland, Michigan 9 $ 1,179,000 $ 131,000 $ 58,000
Flagler, Florida 8 $ 417,000 $ 52,125 $ 37,000
Pinellas, Florida 8 $ 516,000 $ 64,500 $ 46,000
Marion, Indiana 8 $ 955,000 $ 119,375 $ 27,000
Bay, Michigan 8 $ 308,000 $ 38,500 $ 59,000
Clare, Michigan 8 $ 270,000 $ 33,750 $ 27,000
Gratiot, Michigan 8 $ 298,000 $ 37,250 $ 24,000
Kalamazoo, Michigan 8 $ 789,000 $ 98,625 $ 44,000
Ottawa, Michigan 8 $ 1,121,000 $ 140,125 $ 62,000
Roscommon, Michigan 8 $ 320,000 $ 40,000 $ 35,000
Dallas, Texas 8 $ 451,000 $ 56,375 $ 20,000
Maricopa, Arizona 7 $ 727,000 $ 103,857 $ 4,000
Collier, Florida 7 $ 465,000 $ 66,428 $ 45,000
Lee, Florida 7 $ 377,000 $ 53,857 $ 33,000
Palm Beach, Florida 7 $ 494,000 $ 70,571 $ 66,000
Barry, Michigan 7 $ 434,000 $ 62,000 $ 37,000
Branch, Michigan 7 $ 327,000 $ 46,714 $ 24,000
Cass, Michigan 7 $ 647,000 $ 92,428 $ 47,000
Oceana, Michigan 7 $ 238,000 $ 34,000 $ 50,000
Ogemaw, Michigan 7 $ 181,000 $ 25,857 $ 19,000
Shiawassee, Michigan 7 $ 463,000 $ 66,142 $ 39,000
St. Joseph, Michigan 7 $ 768,000 $ 109,714 $ 50,000
Cape May, New Jersey 7 $ 422,000 $ 60,285 $ 0
Jefferson, Texas 7 $ 312,000 $ 44,571 $ 13,000
San Bernardino, California 6 $ 784,000 $ 130,666 $ 7,000
San Diego, California 6 $ 1,016,000 $ 169,333 $ 0
Columbia, Florida 6 $ 233,000 $ 38,833 $ 30,000
Arenac, Michigan 6 $ 152,000 $ 25,333 $ 22,000
Benzie, Michigan 6 $ 263,000 $ 43,833 $ 35,000
Isabella, Michigan 6 $ 262,000 $ 43,666 $ 40,000
Mecosta, Michigan 6 $ 218,000 $ 36,333 $ 38,000
Muskegon, Michigan 6 $ 455,000 $ 75,833 $ 44,000
Saginaw, Michigan 6 $ 222,000 $ 37,000 $ 34,000
Tuscola, Michigan 6 $ 213,000 $ 35,500 $ 32,000
Shelby, Tennessee 6 $ 230,000 $ 38,333 $ 29,000
Collin, Texas 6 $ 972,000 $ 162,000 $ 0
Tarrant, Texas 6 $ 564,000 $ 94,000 $ 0
Marquette, Wisconsin 6 $ 345,000 $ 57,500 $ 47,000
Covington, Alabama 5 $ 345,000 $ 69,000 $ 24,000
San Mateo, California 5 $ 1,064,000 $ 212,800 $ 0
Alachua, Florida 5 $ 183,000 $ 36,600 $ 32,000
Lake, Florida 5 $ 227,000 $ 45,400 $ 48,000
Miami-Dade, Florida 5 $ 558,000 $ 111,600 $ 16,000
Putnam, Florida 5 $ 121,000 $ 24,200 $ 18,000
St. Johns, Florida 5 $ 278,000 $ 55,600 $ 68,000
Honolulu, Hawaii 5 $ 732,000 $ 146,400 $ 0
DuPage, Illinois 5 $ 487,000 $ 97,400 $ 0
Kosciusko, Indiana 5 $ 314,000 $ 62,800 $ 41,000
Hillsdale, Michigan 5 $ 139,000 $ 27,800 $ 27,000
Iosco, Michigan 5 $ 119,000 $ 23,800 $ 51,000
Leelanau, Michigan 5 $ 2,821,000 $ 564,200 $ 10,000
Midland, Michigan 5 $ 678,000 $ 135,600 $ 30,000
Montmorency, Michigan 5 $ 169,000 $ 33,800 $ 30,000
Knox, Tennessee 5 $ 158,000 $ 31,600 $ 25,000
Fairfax, Virginia 5 $ 1,261,000 $ 252,200 $ 0
Harrison, West Virginia 5 $ 122,000 $ 24,400 $ 37,000
Marinette, Wisconsin 5 $ 199,000 $ 39,800 $ 37,000
Orange, California 4 $ 1,466,000 $ 366,500 $ 0
Bay, Florida 4 $ 144,000 $ 36,000 $ 59,000
Charlotte, Florida 4 $ 379,000 $ 94,750 $ 24,000
Citrus, Florida 4 $ 154,000 $ 38,500 $ 32,000
Clay, Florida 4 $ 155,000 $ 38,750 $ 33,000
Suwannee, Florida 4 $ 174,000 $ 43,500 $ 22,000
Richmond, Georgia 4 $ 76,000 $ 19,000 $ 22,000
Peoria, Illinois 4 $ 76,000 $ 19,000 $ 24,000
Marshall, Indiana 4 $ 166,000 $ 41,500 $ 18,000
Jefferson, Kentucky 4 $ 193,000 $ 48,250 $ 0
Grand Traverse, Michigan 4 $ 98,000 $ 24,500 $ 24,000
Lenawee, Michigan 4 $ 259,000 $ 64,750 $ 25,000
Macomb, Michigan 4 $ 201,000 $ 50,250 $ 52,000
Atlantic, New Jersey 4 $ 146,000 $ 36,500 $ 0
Beaver, Pennsylvania 4 $ 226,000 $ 56,500 $ 0
Greene, Pennsylvania 4 $ 161,000 $ 40,250 $ 0
Greenville, South Carolina 4 $ 215,000 $ 53,750 $ 55,000
Spartanburg, South Carolina 4 $ 98,000 $ 24,500 $ 26,000
Davidson, Tennessee 4 $ 550,000 $ 137,500 $ 11,000
Bell, Texas 4 $ 216,000 $ 54,000 $ 23,000
Denton, Texas 4 $ 441,000 $ 110,250 $ 0
Fort Bend, Texas 4 $ 229,000 $ 57,250 $ 10,000
Orange, Texas 4 $ 236,000 $ 59,000 $ 26,000
Oneida, Wisconsin 4 $ 403,000 $ 100,750 $ 51,000
Waushara, Wisconsin 4 $ 179,000 $ 44,750 $ 45,000
Riverside, California 3 $ 539,000 $ 179,666 $ 0
Boulder, Colorado 3 $ 521,000 $ 173,666 $ 0
Weld, Colorado 3 $ 72,000 $ 24,000 $ 12,000
Escambia, Florida 3 $ 93,000 $ 31,000 $ 22,000
Gilchrist, Florida 3 $ 173,000 $ 57,666 $ 55,000
Hendry, Florida 3 $ 58,000 $ 19,333 $ 58,000
Hernando, Florida 3 $ 104,000 $ 34,666 $ 25,000
Leon, Florida 3 $ 173,000 $ 57,666 $ 35,000
Martin, Florida 3 $ 132,000 $ 44,000 $ 0
Nassau, Florida 3 $ 79,000 $ 26,333 $ 50,000
Sarasota, Florida 3 $ 201,000 $ 67,000 $ 17,000
Seminole, Florida 3 $ 284,000 $ 94,666 $ 104,000
St. Lucie, Florida 3 $ 248,000 $ 82,666 $ 64,000
Walton, Florida 3 $ 65,000 $ 21,666 $ 70,000
Catoosa, Georgia 3 $ 200,000 $ 66,666 $ 0
Latah, Idaho 3 $ 225,000 $ 75,000 $ 0
Cass, Indiana 3 $ 67,000 $ 22,333 $ 33,000
Grant, Indiana 3 $ 35,000 $ 11,666 $ 26,000
Morgan, Indiana 3 $ 138,000 $ 46,000 $ 14,000
Sullivan, Indiana 3 $ 221,000 $ 73,666 $ 63,000
Scott, Iowa 3 $ 208,000 $ 69,333 $ 0
Lewis, Kentucky 3 $ 83,000 $ 27,666 $ 21,000
Anne Arundel, Maryland 3 $ 349,000 $ 116,333 $ 0
Baltimore, Maryland 3 $ 420,000 $ 140,000 $ 20,000
Kalkaska, Michigan 3 $ 111,000 $ 37,000 $ 48,000
Lapeer, Michigan 3 $ 109,000 $ 36,333 $ 55,000
Missaukee, Michigan 3 $ 47,000 $ 15,666 $ 41,000
Osceola, Michigan 3 $ 107,000 $ 35,666 $ 21,000
St. Clair, Michigan 3 $ 233,000 $ 77,666 $ 63,000
Wayne, Michigan 3 $ 139,000 $ 46,333 $ 67,000
St. Louis, Minnesota 3 $ 111,000 $ 37,000 $ 22,000
Thurston, Nebraska 3 $ 73,000 $ 24,333 $ 24,000
Camden, New Jersey 3 $ 304,000 $ 101,333 $ 0
Gloucester, New Jersey 3 $ 274,000 $ 91,333 $ 0
Morris, New Jersey 3 $ 537,000 $ 179,000 $ 0
Westchester, New York 3 $ 672,000 $ 224,000 $ 0
Cumberland, North Carolina 3 $ 111,000 $ 37,000 $ 28,000
Cuyahoga, Ohio 3 $ 156,000 $ 52,000 $ 18,000
Oklahoma, Oklahoma 3 $ 192,000 $ 64,000 $ 0
Tulsa, Oklahoma 3 $ 225,000 $ 75,000 $ 13,000
Bucks, Pennsylvania 3 $ 379,000 $ 126,333 $ 0
Butler, Pennsylvania 3 $ 192,000 $ 64,000 $ 0
Fayette, Pennsylvania 3 $ 67,000 $ 22,333 $ 0
Philadelphia, Pennsylvania 3 $ 270,000 $ 90,000 $ 0
Westmoreland, Pennsylvania 3 $ 208,000 $ 69,333 $ 0
York, Pennsylvania 3 $ 252,000 $ 84,000 $ 0
Horry, South Carolina 3 $ 142,000 $ 47,333 $ 8,000
Putnam, Tennessee 3 $ 78,000 $ 26,000 $ 30,000
Brazoria, Texas 3 $ 164,000 $ 54,666 $ 0
El Paso, Texas 3 $ 373,000 $ 124,333 $ 0
Hidalgo, Texas 3 $ 179,000 $ 59,666 $ 0
Tom Green, Texas 3 $ 161,000 $ 53,666 $ 9,000
Travis, Texas 3 $ 329,000 $ 109,666 $ 0
Kitsap, Washington 3 $ 158,000 $ 52,666 $ 0
Spokane, Washington 3 $ 348,000 $ 116,000 $ 0
Kanawha, West Virginia 3 $ 126,000 $ 42,000 $ 40,000
Adams, Wisconsin 3 $ 193,000 $ 64,333 $ 49,000
Wood, Wisconsin 3 $ 49,000 $ 16,333 $ 26,000
Teton, Wyoming 3 $ 956,000 $ 318,666 $ 0
Baldwin, Alabama 2 $ 106,000 $ 53,000 $ 37,000
Jefferson, Alabama 2 $ 73,000 $ 36,500 $ 51,000
Mobile, Alabama 2 $ 56,000 $ 28,000 $ 35,000
Mohave, Arizona 2 $ 62,000 $ 31,000 $ 22,000
Pima, Arizona 2 $ 395,000 $ 197,500 $ 0
Monterey, California 2 $ 271,000 $ 135,500 $ 0
San Francisco, California 2 $ 374,000 $ 187,000 $ 0
Santa Clara, California 2 $ 394,000 $ 197,000 $ 0
Solano, California 2 $ 368,000 $ 184,000 $ 0
El Paso, Colorado 2 $ 195,000 $ 97,500 $ 0
Hartford, Connecticut 2 $ 199,000 $ 99,500 $ 0
Dixie, Florida 2 $ 78,000 $ 39,000 $ 38,000
Highlands, Florida 2 $ 67,000 $ 33,500 $ 33,000
Holmes, Florida 2 $ 77,000 $ 38,500 $ 30,000
Jackson, Florida 2 $ 63,000 $ 31,500 $ 34,000
Levy, Florida 2 $ 55,000 $ 27,500 $ 100,000
Manatee, Florida 2 $ 138,000 $ 69,000 $ 62,000
Monroe, Florida 2 $ 169,000 $ 84,500 $ 51,000
Okaloosa, Florida 2 $ 53,000 $ 26,500 $ 22,000
Okeechobee, Florida 2 $ 53,000 $ 26,500 $ 26,000
Wakulla, Florida 2 $ 145,000 $ 72,500 $ 72,000
Washington, Florida 2 $ 95,000 $ 47,500 $ 30,000
Bulloch, Georgia 2 $ 138,000 $ 69,000 $ 44,000
Carroll, Georgia 2 $ 26,000 $ 13,000 $ 41,000
Clarke, Georgia 2 $ 112,000 $ 56,000 $ 38,000
Haralson, Georgia 2 $ 167,000 $ 83,500 $ 10,000
Upson, Georgia 2 $ 21,000 $ 10,500 $ 26,000
Wilkes, Georgia 2 $ 76,000 $ 38,000 $ 0
Lake, Illinois 2 $ 275,000 $ 137,500 $ 0
McLean, Illinois 2 $ 276,000 $ 138,000 $ 0
Allen, Indiana 2 $ 68,000 $ 34,000 $ 11,000
Clay, Indiana 2 $ 169,000 $ 84,500 $ 55,000
Jackson, Indiana 2 $ 76,000 $ 38,000 $ 24,000
Porter, Indiana 2 $ 204,000 $ 102,000 $ 21,000
Steuben, Indiana 2 $ 289,000 $ 144,500 $ 102,000
Tippecanoe, Indiana 2 $ 102,000 $ 51,000 $ 8,000
Carter, Kentucky 2 $ 59,000 $ 29,500 $ 12,000
Fayette, Kentucky 2 $ 84,000 $ 42,000 $ 0
Greenup, Kentucky 2 $ 50,000 $ 25,000 $ 16,000
Harlan, Kentucky 2 $ 62,000 $ 31,000 $ 19,000
Kenton, Kentucky 2 $ 112,000 $ 56,000 $ 0
Pike, Kentucky 2 $ 83,000 $ 41,500 $ 17,000
Jefferson, Louisiana 2 $ 250,000 $ 125,000 $ 0
Montgomery, Maryland 2 $ 458,000 $ 229,000 $ 0
Prince George's, Maryland 2 $ 549,000 $ 274,500 $ 0
Somerset, Maryland 2 $ 86,000 $ 43,000 $ 41,000
Essex, Massachusetts 2 $ 325,000 $ 162,500 $ 0
Alpena, Michigan 2 $ 78,000 $ 39,000 $ 23,000
Cheboygan, Michigan 2 $ 66,000 $ 33,000 $ 45,000
Crawford, Michigan 2 $ 56,000 $ 28,000 $ 28,000
Delta, Michigan 2 $ 72,000 $ 36,000 $ 18,000
Dickinson, Michigan 2 $ 430,000 $ 215,000 $ 66,000
Houghton, Michigan 2 $ 88,000 $ 44,000 $ 20,000
Huron, Michigan 2 $ 50,000 $ 25,000 $ 57,000
Lake, Michigan 2 $ 35,000 $ 17,500 $ 17,000
Luce, Michigan 2 $ 26,000 $ 13,000 $ 24,000
Monroe, Michigan 2 $ 154,000 $ 77,000 $ 30,000
Oscoda, Michigan 2 $ 271,000 $ 135,500 $ 11,000
Sanilac, Michigan 2 $ 108,000 $ 54,000 $ 53,000
Washtenaw, Michigan 2 $ 143,000 $ 71,500 $ 61,000
Morrison, Minnesota 2 $ 101,000 $ 50,500 $ 30,000
Nobles, Minnesota 2 $ 29,000 $ 14,500 $ 51,000
Otter Tail, Minnesota 2 $ 99,000 $ 49,500 $ 30,000
Polk, Minnesota 2 $ 19,000 $ 9,500 $ 19,000
Watonwan, Minnesota 2 $ 31,000 $ 15,500 $ 25,000
George, Mississippi 2 $ 33,000 $ 16,500 $ 15,000
Randolph, Missouri 2 $ 48,000 $ 24,000 $ 24,000
St. Louis, Missouri 2 $ 103,000 $ 51,500 $ 0
Taney, Missouri 2 $ 35,000 $ 17,500 $ 36,000
Douglas, Nebraska 2 $ 182,000 $ 91,000 $ 25,000
Burlington, New Jersey 2 $ 371,000 $ 185,500 $ 0
Hunterdon, New Jersey 2 $ 364,000 $ 182,000 $ 0
Middlesex, New Jersey 2 $ 309,000 $ 154,500 $ 0
Sussex, New Jersey 2 $ 584,000 $ 292,000 $ 0
Bernalillo, New Mexico 2 $ 171,000 $ 85,500 $ 0
Erie, New York 2 $ 164,000 $ 82,000 $ 0
Kings, New York 2 $ 415,000 $ 207,500 $ 0
Nassau, New York 2 $ 295,000 $ 147,500 $ 0
Oneida, New York 2 $ 117,000 $ 58,500 $ 0
Oswego, New York 2 $ 45,000 $ 22,500 $ 8,000
Queens, New York 2 $ 406,000 $ 203,000 $ 0
Carteret, North Carolina 2 $ 62,000 $ 31,000 $ 20,000
Durham, North Carolina 2 $ 178,000 $ 89,000 $ 0
Mecklenburg, North Carolina 2 $ 310,000 $ 155,000 $ 0
Belmont, Ohio 2 $ 152,000 $ 76,000 $ 13,000
Butler, Ohio 2 $ 235,000 $ 117,500 $ 0
Lawrence, Ohio 2 $ 50,000 $ 25,000 $ 28,000
Mahoning, Ohio 2 $ 35,000 $ 17,500 $ 0
Medina, Ohio 2 $ 212,000 $ 106,000 $ 0
Montgomery, Ohio 2 $ 56,000 $ 28,000 $ 46,000
Perry, Ohio 2 $ 50,000 $ 25,000 $ 36,000
Williams, Ohio 2 $ 29,000 $ 14,500 $ 16,000
Canadian, Oklahoma 2 $ 57,000 $ 28,500 $ 0
Carter, Oklahoma 2 $ 123,000 $ 61,500 $ 0
Comanche, Oklahoma 2 $ 18,000 $ 9,000 $ 0
Creek, Oklahoma 2 $ 72,000 $ 36,000 $ 18,000
Garvin, Oklahoma 2 $ 52,000 $ 26,000 $ 0
Lane, Oregon 2 $ 327,000 $ 163,500 $ 0
Multnomah, Oregon 2 $ 170,000 $ 85,000 $ 0
Blair, Pennsylvania 2 $ 67,000 $ 33,500 $ 0
Cambria, Pennsylvania 2 $ 116,000 $ 58,000 $ 0
Chester, Pennsylvania 2 $ 206,000 $ 103,000 $ 0
Lawrence, Pennsylvania 2 $ 69,000 $ 34,500 $ 0
Luzerne, Pennsylvania 2 $ 46,000 $ 23,000 $ 0
Somerset, Pennsylvania 2 $ 160,000 $ 80,000 $ 0
Cocke, Tennessee 2 $ 190,000 $ 95,000 $ 51,000
Hamilton, Tennessee 2 $ 155,000 $ 77,500 $ 0
Jackson, Tennessee 2 $ 99,000 $ 49,500 $ 18,000
Lewis, Tennessee 2 $ 37,000 $ 18,500 $ 48,000
Madison, Tennessee 2 $ 76,000 $ 38,000 $ 18,000
Monroe, Tennessee 2 $ 100,000 $ 50,000 $ 9,000
Roane, Tennessee 2 $ 94,000 $ 47,000 $ 39,000
Tipton, Tennessee 2 $ 96,000 $ 48,000 $ 33,000
Angelina, Texas 2 $ 87,000 $ 43,500 $ 59,000
Henderson, Texas 2 $ 41,000 $ 20,500 $ 18,000
Hill, Texas 2 $ 71,000 $ 35,500 $ 60,000
Montgomery, Texas 2 $ 128,000 $ 64,000 $ 15,000
Nueces, Texas 2 $ 140,000 $ 70,000 $ 0
Parker, Texas 2 $ 135,000 $ 67,500 $ 9,000
Randall, Texas 2 $ 144,000 $ 72,000 $ 0
Victoria, Texas 2 $ 195,000 $ 97,500 $ 0
Williamson, Texas 2 $ 110,000 $ 55,000 $ 0
Davis, Utah 2 $ 188,000 $ 94,000 $ 0
Salt Lake, Utah 2 $ 178,000 $ 89,000 $ 0
Sanpete, Utah 2 $ 166,000 $ 83,000 $ 0
Whatcom, Washington 2 $ 279,000 $ 139,500 $ 0
Wayne, West Virginia 2 $ 44,000 $ 22,000 $ 23,000
Burnett, Wisconsin 2 $ 78,000 $ 39,000 $ 32,000
Crawford, Wisconsin 2 $ 98,000 $ 49,000 $ 32,000
Florence, Wisconsin 2 $ 44,000 $ 22,000 $ 18,000
Monroe, Wisconsin 2 $ 118,000 $ 59,000 $ 38,000
Trempealeau, Wisconsin 2 $ 58,000 $ 29,000 $ 46,000
Calhoun, Alabama 1 $ 26,000 $ 26,000 $ 42,000
Chilton, Alabama 1 $ 25,000 $ 25,000 $ 59,000
Etowah, Alabama 1 $ 155,000 $ 155,000 $ 0
Montgomery, Alabama 1 $ 298,000 $ 298,000 $ 0
Anchorage, Alaska 1 $ 68,000 $ 68,000 $ 0
Navajo, Arizona 1 $ 77,000 $ 77,000 $ 0
Yavapai, Arizona 1 $ 36,000 $ 36,000 $ 42,000
Yuma, Arizona 1 $ 36,000 $ 36,000 $ 24,000
Crittenden, Arkansas 1 $ 69,000 $ 69,000 $ 0
Garland, Arkansas 1 $ 43,000 $ 43,000 $ 20,000
Pulaski, Arkansas 1 $ 138,000 $ 138,000 $ 0
Saline, Arkansas 1 $ 62,000 $ 62,000 $ 0
Butte, California 1 $ 26,000 $ 26,000 $ 0
El Dorado, California 1 $ 38,000 $ 38,000 $ 0
Fresno, California 1 $ 49,000 $ 49,000 $ 0
Inyo, California 1 $ 348,000 $ 348,000 $ 0
Kern, California 1 $ 107,000 $ 107,000 $ 0
Lake, California 1 $ 198,000 $ 198,000 $ 0
Mendocino, California 1 $ 206,000 $ 206,000 $ 0
Merced, California 1 $ 86,000 $ 86,000 $ 0
Nevada, California 1 $ 382,000 $ 382,000 $ 0
Santa Cruz, California 1 $ 82,000 $ 82,000 $ 0
Ventura, California 1 $ 228,000 $ 228,000 $ 0
Arapahoe, Colorado 1 $ 199,000 $ 199,000 $ 0
Archuleta, Colorado 1 $ 67,000 $ 67,000 $ 25,000
Denver, Colorado 1 $ 47,000 $ 47,000 $ 0
Teller, Colorado 1 $ 104,000 $ 104,000 $ 0
New Haven, Connecticut 1 $ 97,000 $ 97,000 $ 55,000
Kent, Delaware 1 $ 119,000 $ 119,000 $ 0
District of Columbia, District Of Columbia 1 $ 62,000 $ 62,000 $ 0
Baker, Florida 1 $ 39,000 $ 39,000 $ 35,000
Calhoun, Florida 1 $ 54,000 $ 54,000 $ 18,000
Gadsden, Florida 1 $ 11,000 $ 11,000 $ 44,000
Indian River, Florida 1 $ 41,000 $ 41,000 $ 0
Jefferson, Florida 1 $ 7,000 $ 7,000 $ 25,000
Madison, Florida 1 $ 25,000 $ 25,000 $ 36,000
Santa Rosa, Florida 1 $ 15,000 $ 15,000 $ 26,000
Sumter, Florida 1 $ 32,000 $ 32,000 $ 14,000
Bartow, Georgia 1 $ 49,000 $ 49,000 $ 28,000
Brooks, Georgia 1 $ 66,000 $ 66,000 $ 46,000
Cherokee, Georgia 1 $ 86,000 $ 86,000 $ 0
Cobb, Georgia 1 $ 67,000 $ 67,000 $ 0
DeKalb, Georgia 1 $ 222,000 $ 222,000 $ 0
Dougherty, Georgia 1 $ 7,000 $ 7,000 $ 21,000
Douglas, Georgia 1 $ 39,000 $ 39,000 $ 32,000
Fulton, Georgia 1 $ 69,000 $ 69,000 $ 108,000
Houston, Georgia 1 $ 21,000 $ 21,000 $ 52,000
Jenkins, Georgia 1 $ 19,000 $ 19,000 $ 38,000
Lowndes, Georgia 1 $ 28,000 $ 28,000 $ 12,000
Lumpkin, Georgia 1 $ 34,000 $ 34,000 $ 0
Madison, Georgia 1 $ 46,000 $ 46,000 $ 40,000
Muscogee, Georgia 1 $ 36,000 $ 36,000 $ 14,000
Paulding, Georgia 1 $ 16,000 $ 16,000 $ 114,000
Spalding, Georgia 1 $ 21,000 $ 21,000 $ 11,000
Sumter, Georgia 1 $ 20,000 $ 20,000 $ 50,000
Union, Georgia 1 $ 106,000 $ 106,000 $ 0
Walker, Georgia 1 $ 19,000 $ 19,000 $ 0
Wilkinson, Georgia 1 $ 57,000 $ 57,000 $ 49,000
Maui, Hawaii 1 $ 100,000 $ 100,000 $ 0
Ada, Idaho 1 $ 56,000 $ 56,000 $ 0
Blaine, Idaho 1 $ 72,000 $ 72,000 $ 0
Bonneville, Idaho 1 $ 65,000 $ 65,000 $ 43,000
Kane, Illinois 1 $ 7,000 $ 7,000 $ 0
Madison, Illinois 1 $ 61,000 $ 61,000 $ 0
McHenry, Illinois 1 $ 30,000 $ 30,000 $ 0
Sangamon, Illinois 1 $ 20,000 $ 20,000 $ 0
Will, Illinois 1 $ 33,000 $ 33,000 $ 66,000
Winnebago, Illinois 1 $ 141,000 $ 141,000 $ 0
Dearborn, Indiana 1 $ 37,000 $ 37,000 $ 50,000
DeKalb, Indiana 1 $ 137,000 $ 137,000 $ 0
Hamilton, Indiana 1 $ 101,000 $ 101,000 $ 0
Harrison, Indiana 1 $ 122,000 $ 122,000 $ 0
Hendricks, Indiana 1 $ 268,000 $ 268,000 $ 101,000
Henry, Indiana 1 $ 30,000 $ 30,000 $ 0
Howard, Indiana 1 $ 142,000 $ 142,000 $ 0
Lake, Indiana 1 $ 35,000 $ 35,000 $ 0
LaPorte, Indiana 1 $ 225,000 $ 225,000 $ 225,000
Madison, Indiana 1 $ 61,000 $ 61,000 $ 0
Miami, Indiana 1 $ 28,000 $ 28,000 $ 31,000
Monroe, Indiana 1 $ 95,000 $ 95,000 $ 0
Newton, Indiana 1 $ 40,000 $ 40,000 $ 39,000
Putnam, Indiana 1 $ 41,000 $ 41,000 $ 31,000
Scott, Indiana 1 $ 17,000 $ 17,000 $ 48,000
Wabash, Indiana 1 $ 19,000 $ 19,000 $ 29,000
Warrick, Indiana 1 $ 32,000 $ 32,000 $ 16,000
Wells, Indiana 1 $ 118,000 $ 118,000 $ 0
Black Hawk, Iowa 1 $ 67,000 $ 67,000 $ 0
Clinton, Iowa 1 $ 111,000 $ 111,000 $ 0
Hardin, Iowa 1 $ 21,000 $ 21,000 $ 37,000
Osceola, Iowa 1 $ 22,000 $ 22,000 $ 45,000
Polk, Iowa 1 $ 134,000 $ 134,000 $ 0
Ringgold, Iowa 1 $ 23,000 $ 23,000 $ 36,000
Winnebago, Iowa 1 $ 50,000 $ 50,000 $ 14,000
Shawnee, Kansas 1 $ 87,000 $ 87,000 $ 0
Wyandotte, Kansas 1 $ 47,000 $ 47,000 $ 17,000
Boyd, Kentucky 1 $ 12,000 $ 12,000 $ 0
Boyle, Kentucky 1 $ 50,000 $ 50,000 $ 35,000
Caldwell, Kentucky 1 $ 25,000 $ 25,000 $ 16,000
Clay, Kentucky 1 $ 30,000 $ 30,000 $ 62,000
Hardin, Kentucky 1 $ 66,000 $ 66,000 $ 20,000
Harrison, Kentucky 1 $ 41,000 $ 41,000 $ 25,000
Henderson, Kentucky 1 $ 30,000 $ 30,000 $ 104,000
Lawrence, Kentucky 1 $ 109,000 $ 109,000 $ 42,000
Madison, Kentucky 1 $ 25,000 $ 25,000 $ 46,000
Meade, Kentucky 1 $ 29,000 $ 29,000 $ 0
Montgomery, Kentucky 1 $ 50,000 $ 50,000 $ 21,000
Morgan, Kentucky 1 $ 72,000 $ 72,000 $ 41,000
Pendleton, Kentucky 1 $ 54,000 $ 54,000 $ 45,000
Perry, Kentucky 1 $ 58,000 $ 58,000 $ 0
Pulaski, Kentucky 1 $ 98,000 $ 98,000 $ 82,000
Rowan, Kentucky 1 $ 5,000 $ 5,000 $ 24,000
Russell, Kentucky 1 $ 50,000 $ 50,000 $ 23,000
Caddo, Louisiana 1 $ 85,000 $ 85,000 $ 0
Calcasieu, Louisiana 1 $ 32,000 $ 32,000 $ 31,000
St. Bernard, Louisiana 1 $ 13,000 $ 13,000 $ 0
St. John the Baptist, Louisiana 1 $ 8,000 $ 8,000 $ 0
St. Landry, Louisiana 1 $ 15,000 $ 15,000 $ 0
St. Tammany, Louisiana 1 $ 86,000 $ 86,000 $ 0
Vermilion, Louisiana 1 $ 27,000 $ 27,000 $ 0
Piscataquis, Maine 1 $ 35,000 $ 35,000 $ 26,000
York, Maine 1 $ 213,000 $ 213,000 $ 0
Allegany, Maryland 1 $ 76,000 $ 76,000 $ 0
Calvert, Maryland 1 $ 226,000 $ 226,000 $ 0
Carroll, Maryland 1 $ 193,000 $ 193,000 $ 0
Cecil, Maryland 1 $ 148,000 $ 148,000 $ 0
Harford, Maryland 1 $ 112,000 $ 112,000 $ 0
Worcester, Maryland 1 $ 161,000 $ 161,000 $ 0
Bristol, Massachusetts 1 $ 20,000 $ 20,000 $ 0
Plymouth, Massachusetts 1 $ 88,000 $ 88,000 $ 0
Suffolk, Massachusetts 1 $ 152,000 $ 152,000 $ 0
Baraga, Michigan 1 $ 94,000 $ 94,000 $ 55,000
Charlevoix, Michigan 1 $ 65,000 $ 65,000 $ 34,000
Chippewa, Michigan 1 $ 40,000 $ 40,000 $ 36,000
Emmet, Michigan 1 $ 67,000 $ 67,000 $ 92,000
Gogebic, Michigan 1 $ 15,000 $ 15,000 $ 128,000
Iron, Michigan 1 $ 50,000 $ 50,000 $ 80,000
Livingston, Michigan 1 $ 45,000 $ 45,000 $ 42,000
Mackinac, Michigan 1 $ 95,000 $ 95,000 $ 36,000
Marquette, Michigan 1 $ 27,000 $ 27,000 $ 79,000
Mason, Michigan 1 $ 7,000 $ 7,000 $ 41,000
Otsego, Michigan 1 $ 115,000 $ 115,000 $ 96,000
Presque Isle, Michigan 1 $ 44,000 $ 44,000 $ 20,000
Schoolcraft, Michigan 1 $ 84,000 $ 84,000 $ 0
Chisago, Minnesota 1 $ 100,000 $ 100,000 $ 56,000
Crow Wing, Minnesota 1 $ 153,000 $ 153,000 $ 0
Isanti, Minnesota 1 $ 97,000 $ 97,000 $ 0
Lac qui Parle, Minnesota 1 $ 13,000 $ 13,000 $ 54,000
Mahnomen, Minnesota 1 $ 31,000 $ 31,000 $ 118,000
Ramsey, Minnesota 1 $ 59,000 $ 59,000 $ 0
Swift, Minnesota 1 $ 15,000 $ 15,000 $ 37,000
Wright, Minnesota 1 $ 75,000 $ 75,000 $ 0
Lauderdale, Mississippi 1 $ 17,000 $ 17,000 $ 26,000
Pearl River, Mississippi 1 $ 41,000 $ 41,000 $ 0
Tate, Mississippi 1 $ 88,000 $ 88,000 $ 0
Washington, Mississippi 1 $ 10,000 $ 10,000 $ 46,000
DeKalb, Missouri 1 $ 58,000 $ 58,000 $ 31,000
Dunklin, Missouri 1 $ 12,000 $ 12,000 $ 32,000
Franklin, Missouri 1 $ 58,000 $ 58,000 $ 0
Greene, Missouri 1 $ 50,000 $ 50,000 $ 59,000
Johnson, Missouri 1 $ 62,000 $ 62,000 $ 0
Madison, Missouri 1 $ 52,000 $ 52,000 $ 66,000
Ray, Missouri 1 $ 62,000 $ 62,000 $ 0
Saline, Missouri 1 $ 49,000 $ 49,000 $ 50,000
St. Francois, Missouri 1 $ 36,000 $ 36,000 $ 30,000
Ste. Genevieve, Missouri 1 $ 23,000 $ 23,000 $ 12,000
Kearney, Nebraska 1 $ 38,000 $ 38,000 $ 21,000
Lancaster, Nebraska 1 $ 80,000 $ 80,000 $ 0
Wayne, Nebraska 1 $ 36,000 $ 36,000 $ 0
Clark, Nevada 1 $ 273,000 $ 273,000 $ 90,000
Elko, Nevada 1 $ 82,000 $ 82,000 $ 0
Coos, New Hampshire 1 $ 168,000 $ 168,000 $ 0
Bergen, New Jersey 1 $ 99,000 $ 99,000 $ 0
Cumberland, New Jersey 1 $ 97,000 $ 97,000 $ 0
Hudson, New Jersey 1 $ 27,000 $ 27,000 $ 0
Ocean, New Jersey 1 $ 192,000 $ 192,000 $ 0
Somerset, New Jersey 1 $ 32,000 $ 32,000 $ 0
Eddy, New Mexico 1 $ 75,000 $ 75,000 $ 0
Grant, New Mexico 1 $ 78,000 $ 78,000 $ 0
San Juan, New Mexico 1 $ 5,000 $ 5,000 $ 24,000
Socorro, New Mexico 1 $ 88,000 $ 88,000 $ 30,000
Chautauqua, New York 1 $ 23,000 $ 23,000 $ 24,000
Chenango, New York 1 $ 24,000 $ 24,000 $ 20,000
Niagara, New York 1 $ 85,000 $ 85,000 $ 0
Ontario, New York 1 $ 121,000 $ 121,000 $ 0
Richmond, New York 1 $ 176,000 $ 176,000 $ 0
Rockland, New York 1 $ 268,000 $ 268,000 $ 0
Saratoga, New York 1 $ 39,000 $ 39,000 $ 0
Schenectady, New York 1 $ 87,000 $ 87,000 $ 0
Alamance, North Carolina 1 $ 48,000 $ 48,000 $ 0
Burke, North Carolina 1 $ 67,000 $ 67,000 $ 0
Catawba, North Carolina 1 $ 24,000 $ 24,000 $ 27,000
Columbus, North Carolina 1 $ 28,000 $ 28,000 $ 24,000
Craven, North Carolina 1 $ 60,000 $ 60,000 $ 0
Duplin, North Carolina 1 $ 25,000 $ 25,000 $ 0
Forsyth, North Carolina 1 $ 74,000 $ 74,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank of America in 2011

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
Refinancing 954 $103,787,000 $108,000 $4,820,000 $17,000 $653,000
Home Purchase 509 $30,308,000 $59,000 $584,000 $50,000 $330,000
Home Improvement 300 $8,358,000 $27,000 $120,000 $34,000 $150,000

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 689 $41,376,000 $60,000 $1,000,000 $50,000 $330,000
Not applicable 683 $82,796,000 $121,000 $4,820,000 $0 $653,000
Not Provided 191 $8,350,000 $43,000 $320,000 $39,000 $129,000
Hispanic 86 $4,565,000 $53,000 $315,000 $49,000 $277,000
Black or African American 84 $3,851,000 $45,000 $250,000 $41,000 $132,000
American Indian or Alaskan Native 24 $529,000 $22,000 $50,000 $32,000 $101,000
Asian 6 $986,000 $164,000 $600,000 $64,000 $114,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,763 $142,453,000 $80,000 $4,820,000 $29,000 $653,000
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 Purchased By The Institution 681 $82,622,000 $121,000 $4,820,000 $0 $0
Application Denied By Financial Institution 621 $33,374,000 $53,000 $1,000,000 $43,000 $330,000
Loan Originated 344 $22,565,000 $65,000 $414,000 $61,000 $653,000
Application Approved But Not Accepted 106 $3,524,000 $33,000 $600,000 $37,000 $122,000
Application Withdrawn By Applicant 10 $343,000 $34,000 $87,000 $28,000 $48,000
File Closed For Incompleteness 1 $25,000 $25,000 $25,000 $25,000 $25,000
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 324 $16,305,000 $50,000 $431,000 $46,000 $330,000
Other 115 $5,340,000 $46,000 $210,000 $46,000 $280,000
Debt-To-Income Ratio 81 $5,891,000 $72,000 $430,000 $36,000 $151,000
Collateral 74 $4,423,000 $59,000 $1,000,000 $36,000 $114,000
Insufficient Cash (Downpayment, Closing Cost) 11 $603,000 $54,000 $139,000 $35,000 $66,000
Unverifiable Information 8 $295,000 $36,000 $97,000 $32,000 $67,000
Employment History 8 $517,000 $64,000 $240,000 $52,000 $196,000
Credit Application Incomplete 0 $0 $0 $0 $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 2011 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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