First National Bank of America Mortgage Lending & HMDA Data, 2012

In 2012, First National Bank of America of East Lansing, MI reported 1,552 mortgage applications totaling $163.7 million, down 12% from 2011. The average application was for $105,452, and applicants reported an average income of $40,949. 22% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Lansing-East Lansing, MI (119), Warren-Troy-Farmington Hills, MI (62) and Tampa-St. Petersburg-Clearwater, FL (59) (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 1,552
Total Mortgage Loan Application Amount $163,662,000
Average Mortgage Loan Application Amount $105,452
Highest Mortgage Loan Application Amount $4,250,000
Average Applicant Income $40,949
Highest Applicant Income $822,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Ingham, Michigan 76 $ 19,339,000 $ 254,460 $ 97,000
Lee, Florida 31 $ 2,265,000 $ 73,064 $ 8,000
Clinton, Michigan 29 $ 4,533,000 $ 156,310 $ 90,000
Hillsborough, Florida 26 $ 3,353,000 $ 128,961 $ 64,000
St. Clair, Michigan 23 $ 1,499,000 $ 65,173 $ 6,000
Kent, Michigan 18 $ 1,604,000 $ 89,111 $ 43,000
Clare, Michigan 16 $ 523,000 $ 32,687 $ 31,000
Macomb, Michigan 16 $ 2,526,000 $ 157,875 $ 23,000
Marion, Florida 15 $ 809,000 $ 53,933 $ 27,000
Pasco, Florida 15 $ 646,000 $ 43,066 $ 64,000
Eaton, Michigan 14 $ 1,528,000 $ 109,142 $ 90,000
Newaygo, Michigan 14 $ 422,000 $ 30,142 $ 32,000
Oakland, Michigan 14 $ 2,193,000 $ 156,642 $ 32,000
Washtenaw, Michigan 14 $ 3,557,000 $ 254,071 $ 190,000
Harris, Texas 14 $ 1,515,000 $ 108,214 $ 18,000
Los Angeles, California 13 $ 2,904,000 $ 223,384 $ 0
Polk, Florida 13 $ 705,000 $ 54,230 $ 55,000
Orange, Florida 12 $ 1,235,000 $ 102,916 $ 78,000
Osceola, Florida 12 $ 797,000 $ 66,416 $ 53,000
Calhoun, Michigan 12 $ 756,000 $ 63,000 $ 43,000
Genesee, Michigan 12 $ 493,000 $ 41,083 $ 38,000
Jackson, Michigan 12 $ 594,000 $ 49,500 $ 48,000
Broward, Florida 11 $ 647,000 $ 58,818 $ 35,000
Citrus, Florida 11 $ 327,000 $ 29,727 $ 43,000
San Diego, California 10 $ 1,103,000 $ 110,300 $ 0
Lake, Florida 10 $ 441,000 $ 44,100 $ 48,000
Grand Traverse, Michigan 10 $ 1,578,000 $ 157,800 $ 69,000
Kalamazoo, Michigan 10 $ 1,477,000 $ 147,700 $ 85,000
Wayne, Michigan 10 $ 687,000 $ 68,700 $ 60,000
Hernando, Florida 9 $ 369,000 $ 41,000 $ 69,000
Pinellas, Florida 9 $ 707,000 $ 78,555 $ 64,000
Sarasota, Florida 9 $ 785,000 $ 87,222 $ 16,000
Montgomery, Maryland 9 $ 3,013,000 $ 334,777 $ 60,000
Tarrant, Texas 9 $ 647,000 $ 71,888 $ 0
Miami-Dade, Florida 8 $ 1,440,000 $ 180,000 $ 119,000
Seminole, Florida 8 $ 606,000 $ 75,750 $ 82,000
Cook, Illinois 8 $ 1,567,000 $ 195,875 $ 71,000
Barry, Michigan 8 $ 962,000 $ 120,250 $ 73,000
Gladwin, Michigan 8 $ 276,000 $ 34,500 $ 56,000
Ionia, Michigan 8 $ 540,000 $ 67,500 $ 46,000
Isabella, Michigan 8 $ 432,000 $ 54,000 $ 42,000
Midland, Michigan 8 $ 168,000 $ 21,000 $ 29,000
Wexford, Michigan 8 $ 1,403,000 $ 175,375 $ 21,000
St. Louis, Missouri 8 $ 772,000 $ 96,500 $ 41,000
Franklin, Ohio 8 $ 1,506,000 $ 188,250 $ 43,000
Dallas, Texas 8 $ 695,000 $ 86,875 $ 0
Webb, Texas 8 $ 498,000 $ 62,250 $ 0
Lenawee, Michigan 7 $ 340,000 $ 48,571 $ 44,000
Bexar, Texas 7 $ 567,000 $ 81,000 $ 14,000
Palm Beach, Florida 6 $ 273,000 $ 45,500 $ 43,000
Volusia, Florida 6 $ 255,000 $ 42,500 $ 37,000
Hillsdale, Michigan 6 $ 745,000 $ 124,166 $ 51,000
Montcalm, Michigan 6 $ 232,000 $ 38,666 $ 41,000
Muskegon, Michigan 6 $ 239,000 $ 39,833 $ 41,000
Saginaw, Michigan 6 $ 790,000 $ 131,666 $ 37,000
Suffolk, New York 6 $ 779,000 $ 129,833 $ 0
Allegheny, Pennsylvania 6 $ 208,000 $ 34,666 $ 0
Waushara, Wisconsin 6 $ 255,000 $ 42,500 $ 34,000
Mobile, Alabama 5 $ 398,000 $ 79,600 $ 20,000
Maricopa, Arizona 5 $ 695,000 $ 139,000 $ 60,000
Charlotte, Florida 5 $ 481,000 $ 96,200 $ 68,000
Manatee, Florida 5 $ 249,000 $ 49,800 $ 22,000
Okaloosa, Florida 5 $ 256,000 $ 51,200 $ 17,000
Fulton, Georgia 5 $ 854,000 $ 170,800 $ 1,000
Allegan, Michigan 5 $ 417,000 $ 83,400 $ 43,000
Antrim, Michigan 5 $ 633,000 $ 126,600 $ 141,000
Cass, Michigan 5 $ 229,000 $ 45,800 $ 46,000
Cheboygan, Michigan 5 $ 218,000 $ 43,600 $ 33,000
Livingston, Michigan 5 $ 236,000 $ 47,200 $ 35,000
Van Buren, Michigan 5 $ 152,000 $ 30,400 $ 33,000
Jackson, Missouri 5 $ 497,000 $ 99,400 $ 50,000
Summit, Ohio 5 $ 1,281,000 $ 256,200 $ 165,000
York, South Carolina 5 $ 741,000 $ 148,200 $ 73,000
Brazoria, Texas 5 $ 383,000 $ 76,600 $ 31,000
Fort Bend, Texas 5 $ 906,000 $ 181,200 $ 8,000
Marinette, Wisconsin 5 $ 145,000 $ 29,000 $ 30,000
Jefferson, Alabama 4 $ 198,000 $ 49,500 $ 31,000
Orange, California 4 $ 1,015,000 $ 253,750 $ 0
Ventura, California 4 $ 642,000 $ 160,500 $ 0
Brevard, Florida 4 $ 143,000 $ 35,750 $ 34,000
Clay, Florida 4 $ 145,000 $ 36,250 $ 22,000
Levy, Florida 4 $ 253,000 $ 63,250 $ 30,000
Putnam, Florida 4 $ 141,000 $ 35,250 $ 48,000
DeKalb, Georgia 4 $ 461,000 $ 115,250 $ 50,000
Lake, Illinois 4 $ 1,377,000 $ 344,250 $ 148,000
Kosciusko, Indiana 4 $ 313,000 $ 78,250 $ 101,000
Oldham, Kentucky 4 $ 798,000 $ 199,500 $ 83,000
St. Tammany, Louisiana 4 $ 629,000 $ 157,250 $ 0
Chippewa, Michigan 4 $ 167,000 $ 41,750 $ 47,000
Crawford, Michigan 4 $ 170,000 $ 42,500 $ 52,000
Delta, Michigan 4 $ 246,000 $ 61,500 $ 32,000
Lapeer, Michigan 4 $ 543,000 $ 135,750 $ 12,000
Manistee, Michigan 4 $ 89,000 $ 22,250 $ 29,000
Mecosta, Michigan 4 $ 173,000 $ 43,250 $ 28,000
Osceola, Michigan 4 $ 215,000 $ 53,750 $ 33,000
Ottawa, Michigan 4 $ 786,000 $ 196,500 $ 135,000
Shiawassee, Michigan 4 $ 201,000 $ 50,250 $ 24,000
Cumberland, North Carolina 4 $ 251,000 $ 62,750 $ 23,000
Delaware, Pennsylvania 4 $ 389,000 $ 97,250 $ 16,000
Spartanburg, South Carolina 4 $ 127,000 $ 31,750 $ 36,000
Hidalgo, Texas 4 $ 215,000 $ 53,750 $ 0
Waller, Texas 4 $ 165,000 $ 41,250 $ 30,000
Baldwin, Alabama 3 $ 394,000 $ 131,333 $ 82,000
Madison, Alabama 3 $ 146,000 $ 48,666 $ 0
Mohave, Arizona 3 $ 140,000 $ 46,666 $ 12,000
Monterey, California 3 $ 446,000 $ 148,666 $ 0
Sacramento, California 3 $ 420,000 $ 140,000 $ 0
Santa Clara, California 3 $ 1,219,000 $ 406,333 $ 0
Kent, Delaware 3 $ 193,000 $ 64,333 $ 0
Highlands, Florida 3 $ 141,000 $ 47,000 $ 13,000
Holmes, Florida 3 $ 152,000 $ 50,666 $ 0
Leon, Florida 3 $ 95,000 $ 31,666 $ 24,000
Clarke, Georgia 3 $ 96,000 $ 32,000 $ 35,000
Clayton, Georgia 3 $ 132,000 $ 44,000 $ 15,000
Gwinnett, Georgia 3 $ 660,000 $ 220,000 $ 90,000
Johnson, Kansas 3 $ 589,000 $ 196,333 $ 0
Baltimore, Maryland 3 $ 638,000 $ 212,666 $ 103,000
Bay, Michigan 3 $ 63,000 $ 21,000 $ 66,000
Benzie, Michigan 3 $ 208,000 $ 69,333 $ 40,000
Charlevoix, Michigan 3 $ 226,000 $ 75,333 $ 75,000
Emmet, Michigan 3 $ 505,000 $ 168,333 $ 55,000
Gratiot, Michigan 3 $ 161,000 $ 53,666 $ 48,000
Lake, Michigan 3 $ 66,000 $ 22,000 $ 30,000
Marquette, Michigan 3 $ 76,000 $ 25,333 $ 56,000
Mason, Michigan 3 $ 168,000 $ 56,000 $ 35,000
Missaukee, Michigan 3 $ 77,000 $ 25,666 $ 51,000
Oceana, Michigan 3 $ 78,000 $ 26,000 $ 37,000
Ogemaw, Michigan 3 $ 33,000 $ 11,000 $ 16,000
Roscommon, Michigan 3 $ 178,000 $ 59,333 $ 30,000
Sanilac, Michigan 3 $ 145,000 $ 48,333 $ 19,000
Hennepin, Minnesota 3 $ 179,000 $ 59,666 $ 44,000
Jackson, Mississippi 3 $ 298,000 $ 99,333 $ 37,000
St. Louis City, Missouri 3 $ 243,000 $ 81,000 $ 27,000
Clark, Nevada 3 $ 737,000 $ 245,666 $ 0
Erie, New York 3 $ 143,000 $ 47,666 $ 0
Kings, New York 3 $ 709,000 $ 236,333 $ 0
Paulding, Ohio 3 $ 78,000 $ 26,000 $ 26,000
Westmoreland, Pennsylvania 3 $ 306,000 $ 102,000 $ 0
Charleston, South Carolina 3 $ 759,000 $ 253,000 $ 73,000
Greenville, South Carolina 3 $ 757,000 $ 252,333 $ 168,000
Guadalupe, Texas 3 $ 86,000 $ 28,666 $ 40,000
Montgomery, Texas 3 $ 88,000 $ 29,333 $ 13,000
Parker, Texas 3 $ 98,000 $ 32,666 $ 6,000
Adams, Wisconsin 3 $ 89,000 $ 29,666 $ 35,000
Douglas, Wisconsin 3 $ 160,000 $ 53,333 $ 14,000
Marquette, Wisconsin 3 $ 163,000 $ 54,333 $ 38,000
Morgan, Alabama 2 $ 143,000 $ 71,500 $ 0
Pima, Arizona 2 $ 48,000 $ 24,000 $ 0
Yuma, Arizona 2 $ 60,000 $ 30,000 $ 12,000
Alameda, California 2 $ 405,000 $ 202,500 $ 0
Imperial, California 2 $ 80,000 $ 40,000 $ 17,000
Denver, Colorado 2 $ 220,000 $ 110,000 $ 0
Alachua, Florida 2 $ 149,000 $ 74,500 $ 12,000
Bay, Florida 2 $ 64,000 $ 32,000 $ 14,000
Collier, Florida 2 $ 401,000 $ 200,500 $ 28,000
Duval, Florida 2 $ 77,000 $ 38,500 $ 30,000
Flagler, Florida 2 $ 60,000 $ 30,000 $ 26,000
Indian River, Florida 2 $ 166,000 $ 83,000 $ 13,000
Jackson, Florida 2 $ 256,000 $ 128,000 $ 12,000
Monroe, Florida 2 $ 614,000 $ 307,000 $ 275,000
Santa Rosa, Florida 2 $ 99,000 $ 49,500 $ 40,000
St. Johns, Florida 2 $ 131,000 $ 65,500 $ 73,000
Washington, Florida 2 $ 34,000 $ 17,000 $ 15,000
Decatur, Georgia 2 $ 65,000 $ 32,500 $ 26,000
Paulding, Georgia 2 $ 101,000 $ 50,500 $ 30,000
Sumter, Georgia 2 $ 72,000 $ 36,000 $ 29,000
Whitfield, Georgia 2 $ 88,000 $ 44,000 $ 0
DuPage, Illinois 2 $ 742,000 $ 371,000 $ 46,000
Kane, Illinois 2 $ 642,000 $ 321,000 $ 94,000
St. Clair, Illinois 2 $ 390,000 $ 195,000 $ 68,000
Will, Illinois 2 $ 445,000 $ 222,500 $ 63,000
Delaware, Indiana 2 $ 90,000 $ 45,000 $ 29,000
Porter, Indiana 2 $ 221,000 $ 110,500 $ 38,000
Starke, Indiana 2 $ 97,000 $ 48,500 $ 17,000
Vigo, Indiana 2 $ 63,000 $ 31,500 $ 46,000
Wapello, Iowa 2 $ 63,000 $ 31,500 $ 10,000
Saline, Kansas 2 $ 133,000 $ 66,500 $ 0
Graves, Kentucky 2 $ 71,000 $ 35,500 $ 31,000
McCracken, Kentucky 2 $ 93,000 $ 46,500 $ 44,000
East Baton Rouge, Louisiana 2 $ 288,000 $ 144,000 $ 0
Lafayette, Louisiana 2 $ 234,000 $ 117,000 $ 0
Orleans, Louisiana 2 $ 153,000 $ 76,500 $ 0
Penobscot, Maine 2 $ 132,000 $ 66,000 $ 0
Baltimore City, Maryland 2 $ 260,000 $ 130,000 $ 38,000
Carroll, Maryland 2 $ 674,000 $ 337,000 $ 160,000
Harford, Maryland 2 $ 413,000 $ 206,500 $ 106,000
Howard, Maryland 2 $ 511,000 $ 255,500 $ 111,000
Prince George's, Maryland 2 $ 118,000 $ 59,000 $ 0
Norfolk, Massachusetts 2 $ 583,000 $ 291,500 $ 0
Berrien, Michigan 2 $ 174,000 $ 87,000 $ 19,000
Branch, Michigan 2 $ 66,000 $ 33,000 $ 45,000
Kalkaska, Michigan 2 $ 53,000 $ 26,500 $ 33,000
Leelanau, Michigan 2 $ 708,000 $ 354,000 $ 114,000
Monroe, Michigan 2 $ 89,000 $ 44,500 $ 15,000
Pine, Minnesota 2 $ 168,000 $ 84,000 $ 46,000
St. Louis, Minnesota 2 $ 58,000 $ 29,000 $ 22,000
DeSoto, Mississippi 2 $ 201,000 $ 100,500 $ 0
Pike, Mississippi 2 $ 45,000 $ 22,500 $ 0
Camden, Missouri 2 $ 31,000 $ 15,500 $ 24,000
Greene, Missouri 2 $ 80,000 $ 40,000 $ 41,000
St. Charles, Missouri 2 $ 139,000 $ 69,500 $ 0
St. Francois, Missouri 2 $ 77,000 $ 38,500 $ 42,000
Washington, Missouri 2 $ 70,000 $ 35,000 $ 43,000
Rio Arriba, New Mexico 2 $ 82,000 $ 41,000 $ 0
Nassau, New York 2 $ 136,000 $ 68,000 $ 0
Schenectady, New York 2 $ 158,000 $ 79,000 $ 8,000
Westchester, New York 2 $ 503,000 $ 251,500 $ 0
Cuyahoga, Ohio 2 $ 602,000 $ 301,000 $ 0
Highland, Ohio 2 $ 54,000 $ 27,000 $ 29,000
Lake, Ohio 2 $ 493,000 $ 246,500 $ 101,000
Lawrence, Ohio 2 $ 47,000 $ 23,500 $ 55,000
Montgomery, Ohio 2 $ 43,000 $ 21,500 $ 0
Washington, Oklahoma 2 $ 101,000 $ 50,500 $ 15,000
Bucks, Pennsylvania 2 $ 74,000 $ 37,000 $ 0
Franklin, Pennsylvania 2 $ 184,000 $ 92,000 $ 21,000
Philadelphia, Pennsylvania 2 $ 22,000 $ 11,000 $ 0
Pike, Pennsylvania 2 $ 250,000 $ 125,000 $ 27,000
Anderson, South Carolina 2 $ 390,000 $ 195,000 $ 169,000
Dorchester, South Carolina 2 $ 83,000 $ 41,500 $ 89,000
Lexington, South Carolina 2 $ 86,000 $ 43,000 $ 0
Richland, South Carolina 2 $ 126,000 $ 63,000 $ 81,000
Blount, Tennessee 2 $ 314,000 $ 157,000 $ 72,000
Davidson, Tennessee 2 $ 431,000 $ 215,500 $ 56,000
Knox, Tennessee 2 $ 160,000 $ 80,000 $ 82,000
Roane, Tennessee 2 $ 125,000 $ 62,500 $ 63,000
Sullivan, Tennessee 2 $ 108,000 $ 54,000 $ 39,000
Collin, Texas 2 $ 416,000 $ 208,000 $ 0
Denton, Texas 2 $ 458,000 $ 229,000 $ 0
Hays, Texas 2 $ 167,000 $ 83,500 $ 0
Henderson, Texas 2 $ 76,000 $ 38,000 $ 0
Jefferson, Texas 2 $ 355,000 $ 177,500 $ 24,000
McLennan, Texas 2 $ 94,000 $ 47,000 $ 30,000
San Jacinto, Texas 2 $ 55,000 $ 27,500 $ 45,000
Travis, Texas 2 $ 310,000 $ 155,000 $ 0
Wharton, Texas 2 $ 55,000 $ 27,500 $ 0
Loudoun, Virginia 2 $ 634,000 $ 317,000 $ 0
Prince William, Virginia 2 $ 510,000 $ 255,000 $ 0
Kanawha, West Virginia 2 $ 102,000 $ 51,000 $ 42,000
Monroe, West Virginia 2 $ 63,000 $ 31,500 $ 23,000
Portage, Wisconsin 2 $ 85,000 $ 42,500 $ 35,000
Rock, Wisconsin 2 $ 73,000 $ 36,500 $ 52,000
Taylor, Wisconsin 2 $ 72,000 $ 36,000 $ 30,000
Calhoun, Alabama 1 $ 16,000 $ 16,000 $ 30,000
Covington, Alabama 1 $ 29,000 $ 29,000 $ 24,000
Lee, Alabama 1 $ 56,000 $ 56,000 $ 0
Montgomery, Alabama 1 $ 99,000 $ 99,000 $ 0
Shelby, Alabama 1 $ 68,000 $ 68,000 $ 66,000
Anchorage, Alaska 1 $ 121,000 $ 121,000 $ 0
Apache, Arizona 1 $ 71,000 $ 71,000 $ 100,000
Cochise, Arizona 1 $ 25,000 $ 25,000 $ 65,000
Navajo, Arizona 1 $ 9,000 $ 9,000 $ 0
Benton, Arkansas 1 $ 33,000 $ 33,000 $ 0
Crittenden, Arkansas 1 $ 82,000 $ 82,000 $ 0
Little River, Arkansas 1 $ 149,000 $ 149,000 $ 0
Mississippi, Arkansas 1 $ 131,000 $ 131,000 $ 0
Pulaski, Arkansas 1 $ 87,000 $ 87,000 $ 0
Washington, Arkansas 1 $ 20,000 $ 20,000 $ 0
Contra Costa, California 1 $ 395,000 $ 395,000 $ 0
Riverside, California 1 $ 500,000 $ 500,000 $ 0
San Bernardino, California 1 $ 89,000 $ 89,000 $ 0
San Joaquin, California 1 $ 88,000 $ 88,000 $ 0
Tuolumne, California 1 $ 41,000 $ 41,000 $ 0
Douglas, Colorado 1 $ 288,000 $ 288,000 $ 0
El Paso, Colorado 1 $ 130,000 $ 130,000 $ 0
Larimer, Colorado 1 $ 57,000 $ 57,000 $ 0
Pitkin, Colorado 1 $ 111,000 $ 111,000 $ 0
Weld, Colorado 1 $ 58,000 $ 58,000 $ 37,000
Hartford, Connecticut 1 $ 114,000 $ 114,000 $ 0
Tolland, Connecticut 1 $ 240,000 $ 240,000 $ 123,000
Windham, Connecticut 1 $ 43,000 $ 43,000 $ 0
New Castle, Delaware 1 $ 126,000 $ 126,000 $ 0
Bradford, Florida 1 $ 62,000 $ 62,000 $ 43,000
Gadsden, Florida 1 $ 34,000 $ 34,000 $ 34,000
Hardee, Florida 1 $ 102,000 $ 102,000 $ 95,000
Hendry, Florida 1 $ 77,000 $ 77,000 $ 60,000
Martin, Florida 1 $ 109,000 $ 109,000 $ 0
Nassau, Florida 1 $ 7,000 $ 7,000 $ 22,000
Okeechobee, Florida 1 $ 25,000 $ 25,000 $ 18,000
Sumter, Florida 1 $ 125,000 $ 125,000 $ 0
Taylor, Florida 1 $ 41,000 $ 41,000 $ 55,000
Walton, Florida 1 $ 18,000 $ 18,000 $ 27,000
Catoosa, Georgia 1 $ 45,000 $ 45,000 $ 48,000
Cherokee, Georgia 1 $ 326,000 $ 326,000 $ 54,000
Cobb, Georgia 1 $ 272,000 $ 272,000 $ 0
Crawford, Georgia 1 $ 35,000 $ 35,000 $ 0
Floyd, Georgia 1 $ 21,000 $ 21,000 $ 0
Forsyth, Georgia 1 $ 387,000 $ 387,000 $ 250,000
Jackson, Georgia 1 $ 336,000 $ 336,000 $ 103,000
Lee, Georgia 1 $ 6,000 $ 6,000 $ 42,000
Lowndes, Georgia 1 $ 16,000 $ 16,000 $ 0
Monroe, Georgia 1 $ 21,000 $ 21,000 $ 24,000
Muscogee, Georgia 1 $ 66,000 $ 66,000 $ 0
Rockdale, Georgia 1 $ 31,000 $ 31,000 $ 0
Tift, Georgia 1 $ 19,000 $ 19,000 $ 0
Upson, Georgia 1 $ 49,000 $ 49,000 $ 0
Walton, Georgia 1 $ 370,000 $ 370,000 $ 162,000
Ware, Georgia 1 $ 13,000 $ 13,000 $ 25,000
Honolulu, Hawaii 1 $ 236,000 $ 236,000 $ 0
Maui, Hawaii 1 $ 257,000 $ 257,000 $ 0
Cassia, Idaho 1 $ 49,000 $ 49,000 $ 0
Kootenai, Idaho 1 $ 104,000 $ 104,000 $ 0
Valley, Idaho 1 $ 20,000 $ 20,000 $ 0
Douglas, Illinois 1 $ 53,000 $ 53,000 $ 0
Hancock, Illinois 1 $ 336,000 $ 336,000 $ 128,000
Kankakee, Illinois 1 $ 218,000 $ 218,000 $ 0
Madison, Illinois 1 $ 93,000 $ 93,000 $ 0
McDonough, Illinois 1 $ 87,000 $ 87,000 $ 0
Peoria, Illinois 1 $ 14,000 $ 14,000 $ 23,000
Pike, Illinois 1 $ 25,000 $ 25,000 $ 0
Sangamon, Illinois 1 $ 44,000 $ 44,000 $ 0
Tazewell, Illinois 1 $ 95,000 $ 95,000 $ 0
Allen, Indiana 1 $ 175,000 $ 175,000 $ 0
Clinton, Indiana 1 $ 147,000 $ 147,000 $ 0
Dubois, Indiana 1 $ 18,000 $ 18,000 $ 0
Greene, Indiana 1 $ 64,000 $ 64,000 $ 47,000
Hamilton, Indiana 1 $ 86,000 $ 86,000 $ 0
Hendricks, Indiana 1 $ 262,000 $ 262,000 $ 111,000
Henry, Indiana 1 $ 53,000 $ 53,000 $ 0
Jackson, Indiana 1 $ 47,000 $ 47,000 $ 36,000
Lake, Indiana 1 $ 399,000 $ 399,000 $ 120,000
Lawrence, Indiana 1 $ 26,000 $ 26,000 $ 32,000
Marion, Indiana 1 $ 414,000 $ 414,000 $ 52,000
Miami, Indiana 1 $ 23,000 $ 23,000 $ 41,000
Monroe, Indiana 1 $ 43,000 $ 43,000 $ 29,000
Morgan, Indiana 1 $ 92,000 $ 92,000 $ 0
Sullivan, Indiana 1 $ 55,000 $ 55,000 $ 98,000
Washington, Indiana 1 $ 18,000 $ 18,000 $ 28,000
Whitley, Indiana 1 $ 70,000 $ 70,000 $ 44,000
Black Hawk, Iowa 1 $ 11,000 $ 11,000 $ 10,000
Cass, Iowa 1 $ 61,000 $ 61,000 $ 0
Jasper, Iowa 1 $ 37,000 $ 37,000 $ 26,000
O'Brien, Iowa 1 $ 33,000 $ 33,000 $ 79,000
Pottawattamie, Iowa 1 $ 67,000 $ 67,000 $ 73,000
Union, Iowa 1 $ 29,000 $ 29,000 $ 43,000
Marion, Kansas 1 $ 33,000 $ 33,000 $ 0
Mitchell, Kansas 1 $ 76,000 $ 76,000 $ 0
Riley, Kansas 1 $ 141,000 $ 141,000 $ 0
Sedgwick, Kansas 1 $ 67,000 $ 67,000 $ 0
Barren, Kentucky 1 $ 35,000 $ 35,000 $ 26,000
Campbell, Kentucky 1 $ 304,000 $ 304,000 $ 93,000
Carroll, Kentucky 1 $ 105,000 $ 105,000 $ 0
Floyd, Kentucky 1 $ 11,000 $ 11,000 $ 0
Fulton, Kentucky 1 $ 15,000 $ 15,000 $ 65,000
Grant, Kentucky 1 $ 98,000 $ 98,000 $ 61,000
Green, Kentucky 1 $ 62,000 $ 62,000 $ 0
Larue, Kentucky 1 $ 79,000 $ 79,000 $ 54,000
Lawrence, Kentucky 1 $ 42,000 $ 42,000 $ 49,000
Marshall, Kentucky 1 $ 270,000 $ 270,000 $ 104,000
Warren, Kentucky 1 $ 280,000 $ 280,000 $ 104,000
Beauregard, Louisiana 1 $ 161,000 $ 161,000 $ 0
Caddo, Louisiana 1 $ 162,000 $ 162,000 $ 0
Jefferson, Louisiana 1 $ 26,000 $ 26,000 $ 0
Lafourche, Louisiana 1 $ 32,000 $ 32,000 $ 0
Morehouse, Louisiana 1 $ 174,000 $ 174,000 $ 0
Rapides, Louisiana 1 $ 46,000 $ 46,000 $ 0
St. Bernard, Louisiana 1 $ 179,000 $ 179,000 $ 0
West Baton Rouge, Louisiana 1 $ 163,000 $ 163,000 $ 0
Androscoggin, Maine 1 $ 29,000 $ 29,000 $ 48,000
Cumberland, Maine 1 $ 96,000 $ 96,000 $ 0
Hancock, Maine 1 $ 106,000 $ 106,000 $ 0
Somerset, Maine 1 $ 90,000 $ 90,000 $ 0
Cecil, Maryland 1 $ 363,000 $ 363,000 $ 123,000
Essex, Massachusetts 1 $ 359,000 $ 359,000 $ 0
Hampshire, Massachusetts 1 $ 182,000 $ 182,000 $ 0
Middlesex, Massachusetts 1 $ 396,000 $ 396,000 $ 0
Suffolk, Massachusetts 1 $ 164,000 $ 164,000 $ 0
Arenac, Michigan 1 $ 34,000 $ 34,000 $ 29,000
Gogebic, Michigan 1 $ 16,000 $ 16,000 $ 25,000
Houghton, Michigan 1 $ 5,000 $ 5,000 $ 68,000
Iosco, Michigan 1 $ 38,000 $ 38,000 $ 90,000
Keweenaw, Michigan 1 $ 92,000 $ 92,000 $ 36,000
Montmorency, Michigan 1 $ 55,000 $ 55,000 $ 34,000
Oscoda, Michigan 1 $ 27,000 $ 27,000 $ 48,000
Otsego, Michigan 1 $ 11,000 $ 11,000 $ 15,000
Presque Isle, Michigan 1 $ 105,000 $ 105,000 $ 48,000
St. Joseph, Michigan 1 $ 78,000 $ 78,000 $ 73,000
Cass, Minnesota 1 $ 20,000 $ 20,000 $ 42,000
Clearwater, Minnesota 1 $ 40,000 $ 40,000 $ 45,000
Jackson, Minnesota 1 $ 71,000 $ 71,000 $ 39,000
Kandiyohi, Minnesota 1 $ 27,000 $ 27,000 $ 0
Olmsted, Minnesota 1 $ 17,000 $ 17,000 $ 17,000
Ramsey, Minnesota 1 $ 46,000 $ 46,000 $ 71,000
Watonwan, Minnesota 1 $ 28,000 $ 28,000 $ 38,000
Harrison, Mississippi 1 $ 101,000 $ 101,000 $ 0
Rankin, Mississippi 1 $ 160,000 $ 160,000 $ 0
Simpson, Mississippi 1 $ 14,000 $ 14,000 $ 0
Christian, Missouri 1 $ 10,000 $ 10,000 $ 0
McDonald, Missouri 1 $ 24,000 $ 24,000 $ 25,000
Randolph, Missouri 1 $ 24,000 $ 24,000 $ 15,000
Cherry, Nebraska 1 $ 54,000 $ 54,000 $ 44,000
Elko, Nevada 1 $ 136,000 $ 136,000 $ 61,000
Merrimack, New Hampshire 1 $ 62,000 $ 62,000 $ 24,000
Rockingham, New Hampshire 1 $ 217,000 $ 217,000 $ 0
Atlantic, New Jersey 1 $ 100,000 $ 100,000 $ 50,000
Burlington, New Jersey 1 $ 73,000 $ 73,000 $ 0
Camden, New Jersey 1 $ 37,000 $ 37,000 $ 0
Cape May, New Jersey 1 $ 24,000 $ 24,000 $ 0
Cumberland, New Jersey 1 $ 6,000 $ 6,000 $ 0
Morris, New Jersey 1 $ 395,000 $ 395,000 $ 0
Sussex, New Jersey 1 $ 73,000 $ 73,000 $ 0
Bernalillo, New Mexico 1 $ 50,000 $ 50,000 $ 0
Curry, New Mexico 1 $ 251,000 $ 251,000 $ 0
Sandoval, New Mexico 1 $ 134,000 $ 134,000 $ 0
Socorro, New Mexico 1 $ 60,000 $ 60,000 $ 16,000
Albany, New York 1 $ 18,000 $ 18,000 $ 43,000
Bronx, New York 1 $ 32,000 $ 32,000 $ 0
Chenango, New York 1 $ 21,000 $ 21,000 $ 27,000
Dutchess, New York 1 $ 142,000 $ 142,000 $ 0
Monroe, New York 1 $ 20,000 $ 20,000 $ 33,000
Niagara, New York 1 $ 197,000 $ 197,000 $ 0
Queens, New York 1 $ 407,000 $ 407,000 $ 0
Rensselaer, New York 1 $ 35,000 $ 35,000 $ 10,000
Richmond, New York 1 $ 103,000 $ 103,000 $ 0
Rockland, New York 1 $ 393,000 $ 393,000 $ 0
Seneca, New York 1 $ 28,000 $ 28,000 $ 0
Buncombe, North Carolina 1 $ 173,000 $ 173,000 $ 0
Burke, North Carolina 1 $ 40,000 $ 40,000 $ 41,000
Davidson, North Carolina 1 $ 30,000 $ 30,000 $ 63,000
Durham, North Carolina 1 $ 52,000 $ 52,000 $ 0
Forsyth, North Carolina 1 $ 10,000 $ 10,000 $ 0
Greene, North Carolina 1 $ 35,000 $ 35,000 $ 0
Lee, North Carolina 1 $ 57,000 $ 57,000 $ 0
Nash, North Carolina 1 $ 9,000 $ 9,000 $ 0
Pender, North Carolina 1 $ 210,000 $ 210,000 $ 243,000
Robeson, North Carolina 1 $ 49,000 $ 49,000 $ 54,000
Rockingham, North Carolina 1 $ 73,000 $ 73,000 $ 0
Surry, North Carolina 1 $ 10,000 $ 10,000 $ 0
Wake, North Carolina 1 $ 91,000 $ 91,000 $ 0
Watauga, North Carolina 1 $ 362,000 $ 362,000 $ 376,000
Brown, Ohio 1 $ 92,000 $ 92,000 $ 0
Butler, Ohio 1 $ 247,000 $ 247,000 $ 93,000
Delaware, Ohio 1 $ 288,000 $ 288,000 $ 0
Knox, Ohio 1 $ 343,000 $ 343,000 $ 5,000
Licking, Ohio 1 $ 263,000 $ 263,000 $ 120,000
Lucas, Ohio 1 $ 14,000 $ 14,000 $ 16,000
Medina, Ohio 1 $ 357,000 $ 357,000 $ 102,000
Portage, Ohio 1 $ 215,000 $ 215,000 $ 106,000
Ross, Ohio 1 $ 15,000 $ 15,000 $ 0
Warren, Ohio 1 $ 318,000 $ 318,000 $ 72,000
Garvin, Oklahoma 1 $ 33,000 $ 33,000 $ 35,000
Lincoln, Oklahoma 1 $ 128,000 $ 128,000 $ 35,000
McIntosh, Oklahoma 1 $ 37,000 $ 37,000 $ 0
Oklahoma, Oklahoma 1 $ 58,000 $ 58,000 $ 0
Okmulgee, Oklahoma 1 $ 39,000 $ 39,000 $ 32,000
Baker, Oregon 1 $ 41,000 $ 41,000 $ 0
Douglas, Oregon 1 $ 149,000 $ 149,000 $ 0
Linn, Oregon 1 $ 196,000 $ 196,000 $ 0
Washington, Oregon 1 $ 92,000 $ 92,000 $ 0
Berks, Pennsylvania 1 $ 47,000 $ 47,000 $ 0
Cambria, Pennsylvania 1 $ 79,000 $ 79,000 $ 0
Carbon, Pennsylvania 1 $ 314,000 $ 314,000 $ 0
Chester, Pennsylvania 1 $ 181,000 $ 181,000 $ 0
Cumberland, Pennsylvania 1 $ 149,000 $ 149,000 $ 0
Erie, Pennsylvania 1 $ 41,000 $ 41,000 $ 0
Fayette, Pennsylvania 1 $ 49,000 $ 49,000 $ 0
Huntingdon, Pennsylvania 1 $ 72,000 $ 72,000 $ 0
Lebanon, Pennsylvania 1 $ 136,000 $ 136,000 $ 37,000
Lehigh, Pennsylvania 1 $ 175,000 $ 175,000 $ 0
Luzerne, Pennsylvania 1 $ 84,000 $ 84,000 $ 0
Montgomery, Pennsylvania 1 $ 93,000 $ 93,000 $ 0
Wayne, Pennsylvania 1 $ 187,000 $ 187,000 $ 0
Wyoming, Pennsylvania 1 $ 66,000 $ 66,000 $ 0
Kent, Rhode Island 1 $ 282,000 $ 282,000 $ 0
Providence, Rhode Island 1 $ 271,000 $ 271,000 $ 0
Beaufort, South Carolina 1 $ 322,000 $ 322,000 $ 86,000
Berkeley, South Carolina 1 $ 33,000 $ 33,000 $ 0
Clarendon, South Carolina 1 $ 11,000 $ 11,000 $ 0
Georgetown, South Carolina 1 $ 258,000 $ 258,000 $ 112,000
Horry, South Carolina 1 $ 64,000 $ 64,000 $ 0
Sumter, South Carolina 1 $ 30,000 $ 30,000 $ 31,000
Union, South Carolina 1 $ 15,000 $ 15,000 $ 0
Bradley, Tennessee 1 $ 7,000 $ 7,000 $ 25,000
Cannon, Tennessee 1 $ 30,000 $ 30,000 $ 23,000
Cocke, Tennessee 1 $ 4,000 $ 4,000 $ 44,000
Cumberland, Tennessee 1 $ 42,000 $ 42,000 $ 33,000
Dickson, Tennessee 1 $ 27,000 $ 27,000 $ 54,000
Fayette, Tennessee 1 $ 12,000 $ 12,000 $ 48,000
Franklin, Tennessee 1 $ 31,000 $ 31,000 $ 23,000
Henry, Tennessee 1 $ 28,000 $ 28,000 $ 28,000
Jefferson, Tennessee 1 $ 59,000 $ 59,000 $ 58,000
Lauderdale, Tennessee 1 $ 27,000 $ 27,000 $ 32,000
Loudon, Tennessee 1 $ 40,000 $ 40,000 $ 17,000
McMinn, Tennessee 1 $ 131,000 $ 131,000 $ 91,000
McNairy, Tennessee 1 $ 18,000 $ 18,000 $ 65,000
Perry, Tennessee 1 $ 78,000 $ 78,000 $ 42,000
Putnam, Tennessee 1 $ 66,000 $ 66,000 $ 0
Sequatchie, Tennessee 1 $ 33,000 $ 33,000 $ 11,000
Shelby, Tennessee 1 $ 12,000 $ 12,000 $ 0
Tipton, Tennessee 1 $ 99,000 $ 99,000 $ 0
Anderson, Texas 1 $ 16,000 $ 16,000 $ 0
Andrews, Texas 1 $ 12,000 $ 12,000 $ 0
Bell, Texas 1 $ 33,000 $ 33,000 $ 27,000
Bosque, Texas 1 $ 25,000 $ 25,000 $ 72,000
Bowie, Texas 1 $ 75,000 $ 75,000 $ 0
Brewster, Texas 1 $ 17,000 $ 17,000 $ 0
Cameron, Texas 1 $ 28,000 $ 28,000 $ 5,000
Cherokee, Texas 1 $ 27,000 $ 27,000 $ 0
Ector, Texas 1 $ 14,000 $ 14,000 $ 0
El Paso, Texas 1 $ 81,000 $ 81,000 $ 0
Freestone, Texas 1 $ 31,000 $ 31,000 $ 16,000
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Mortgage Loan Application Detail Totals for First National Bank of America in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 691 $64,505,000 $93,000 $4,250,000 $41,000 $822,000
Refinancing 673 $91,930,000 $136,000 $2,560,000 $42,000 $485,000
Home Improvement 188 $7,227,000 $38,000 $251,000 $37,000 $146,000

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 668 $69,702,000 $104,000 $938,000 $68,000 $485,000
Not applicable 565 $72,118,000 $127,000 $4,250,000 $0 $60,000
Not Provided 125 $6,875,000 $55,000 $414,000 $59,000 $813,000
Black or African American 98 $6,655,000 $67,000 $390,000 $55,000 $822,000
Hispanic 62 $4,119,000 $66,000 $210,000 $52,000 $233,000
American Indian or Alaskan Native 21 $1,023,000 $48,000 $228,000 $42,000 $92,000
Asian 13 $3,170,000 $243,000 $399,000 $129,000 $242,000
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) 1,552 $163,662,000 $105,000 $4,250,000 $41,000 $822,000
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 558 $62,671,000 $112,000 $603,000 $0 $0
Application Denied By Financial Institution 508 $37,644,000 $74,000 $650,000 $54,000 $822,000
Loan Originated 344 $42,326,000 $123,000 $2,560,000 $81,000 $485,000
Application Approved But Not Accepted 95 $9,770,000 $102,000 $2,000,000 $50,000 $292,000
Application Withdrawn By Applicant 40 $11,015,000 $275,000 $4,250,000 $90,000 $311,000
File Closed For Incompleteness 7 $236,000 $33,000 $52,000 $30,000 $84,000
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 247 $14,629,000 $59,000 $338,000 $53,000 $822,000
Debt-To-Income Ratio 116 $10,637,000 $91,000 $650,000 $46,000 $813,000
Collateral 68 $6,036,000 $88,000 $414,000 $65,000 $288,000
Other 61 $3,691,000 $60,000 $500,000 $55,000 $150,000
Unverifiable Information 8 $1,300,000 $162,000 $500,000 $112,000 $317,000
Insufficient Cash (Downpayment, Closing Cost) 4 $321,000 $80,000 $174,000 $41,000 $62,000
Credit Application Incomplete 4 $1,030,000 $257,000 $336,000 $101,000 $128,000
Employment History 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 2012 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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