First National Bank of America Mortgage Lending & HMDA Data, 2014

In 2014, First National Bank of America of East Lansing, MI reported 2,031 mortgage applications totaling $237.6 million, up 34% from 2013. The average application was for $117,003, and applicants reported an average income of $45,550. 19% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (102), Camden, NJ (98) and New York-Jersey City-White Plains, NY-NJ (98) (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 2,031
Total Mortgage Loan Application Amount $237,635,000
Average Mortgage Loan Application Amount $117,003
Highest Mortgage Loan Application Amount $4,950,000
Average Applicant Income $45,550
Highest Applicant Income $2,196,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Burlington, New Jersey 79 $ 3,033,000 $ 38,392 $ 0
Oakland, Michigan 57 $ 11,082,000 $ 194,421 $ 105,000
Atlantic, New Jersey 55 $ 2,296,000 $ 41,745 $ 0
Cumberland, New Jersey 55 $ 1,655,000 $ 30,090 $ 0
Ingham, Michigan 46 $ 10,600,000 $ 230,434 $ 81,000
Ocean, New Jersey 42 $ 1,864,000 $ 44,380 $ 0
Middlesex, New Jersey 39 $ 1,419,000 $ 36,384 $ 0
Maricopa, Arizona 34 $ 4,629,000 $ 136,147 $ 8,000
Macomb, Michigan 29 $ 5,002,000 $ 172,482 $ 87,000
Wayne, Michigan 27 $ 3,176,000 $ 117,629 $ 61,000
Bucks, Pennsylvania 27 $ 1,450,000 $ 53,703 $ 0
Los Angeles, California 24 $ 7,565,000 $ 315,208 $ 5,000
Orange, Florida 24 $ 3,155,000 $ 131,458 $ 137,000
Kent, Michigan 24 $ 3,450,000 $ 143,750 $ 64,000
Cape May, New Jersey 24 $ 660,000 $ 27,500 $ 0
Cook, Illinois 23 $ 3,417,000 $ 148,565 $ 70,000
Broward, Florida 22 $ 3,930,000 $ 178,636 $ 56,000
Hillsborough, Florida 22 $ 2,306,000 $ 104,818 $ 73,000
Lee, Florida 22 $ 2,685,000 $ 122,045 $ 83,000
Miami-Dade, Florida 21 $ 2,484,000 $ 118,285 $ 69,000
Harris, Texas 21 $ 3,039,000 $ 144,714 $ 35,000
Pasco, Florida 19 $ 1,831,000 $ 96,368 $ 61,000
Polk, Florida 18 $ 1,438,000 $ 79,888 $ 54,000
Eaton, Michigan 17 $ 3,438,000 $ 202,235 $ 69,000
Osceola, Florida 16 $ 1,725,000 $ 107,812 $ 148,000
Palm Beach, Florida 16 $ 2,332,000 $ 145,750 $ 104,000
Gloucester, New Jersey 14 $ 436,000 $ 31,142 $ 0
Pinellas, Florida 13 $ 2,632,000 $ 202,461 $ 136,000
Sumter, Florida 13 $ 2,310,000 $ 177,692 $ 39,000
Clinton, Michigan 13 $ 1,943,000 $ 149,461 $ 73,000
Monmouth, New Jersey 13 $ 358,000 $ 27,538 $ 0
Warren, New Jersey 13 $ 584,000 $ 44,923 $ 0
Contra Costa, California 12 $ 2,289,000 $ 190,750 $ 0
Riverside, California 12 $ 3,382,000 $ 281,833 $ 8,000
Volusia, Florida 12 $ 862,000 $ 71,833 $ 52,000
Kent, Delaware 11 $ 734,000 $ 66,727 $ 0
Brevard, Florida 11 $ 1,251,000 $ 113,727 $ 65,000
Salem, New Jersey 11 $ 309,000 $ 28,090 $ 0
Sussex, New Jersey 11 $ 413,000 $ 37,545 $ 0
Sacramento, California 10 $ 1,957,000 $ 195,700 $ 8,000
Duval, Florida 10 $ 612,000 $ 61,200 $ 56,000
Ionia, Michigan 10 $ 776,000 $ 77,600 $ 56,000
Clark, Nevada 10 $ 1,838,000 $ 183,800 $ 47,000
Mercer, New Jersey 10 $ 402,000 $ 40,200 $ 0
Somerset, New Jersey 10 $ 476,000 $ 47,600 $ 0
Dallas, Texas 10 $ 724,000 $ 72,400 $ 10,000
Travis, Texas 10 $ 1,151,000 $ 115,100 $ 0
San Bernardino, California 9 $ 1,420,000 $ 157,777 $ 0
Hernando, Florida 9 $ 548,000 $ 60,888 $ 60,000
Allegan, Michigan 9 $ 1,561,000 $ 173,444 $ 112,000
Jackson, Michigan 9 $ 687,000 $ 76,333 $ 71,000
Polk, Oregon 9 $ 1,127,000 $ 125,222 $ 131,000
Gwinnett, Georgia 8 $ 1,206,000 $ 150,750 $ 30,000
Berrien, Michigan 8 $ 1,350,000 $ 168,750 $ 328,000
Genesee, Michigan 8 $ 1,105,000 $ 138,125 $ 99,000
Livingston, Michigan 8 $ 4,320,000 $ 540,000 $ 99,000
Muskegon, Michigan 8 $ 950,000 $ 118,750 $ 23,000
Washtenaw, Michigan 8 $ 1,580,000 $ 197,500 $ 61,000
Williamson, Texas 8 $ 645,000 $ 80,625 $ 0
San Diego, California 7 $ 2,548,000 $ 364,000 $ 7,000
Seminole, Florida 7 $ 931,000 $ 133,000 $ 122,000
St. Lucie, Florida 7 $ 600,000 $ 85,714 $ 64,000
Barry, Michigan 7 $ 382,000 $ 54,571 $ 71,000
Clare, Michigan 7 $ 290,000 $ 41,428 $ 37,000
Gladwin, Michigan 7 $ 471,000 $ 67,285 $ 52,000
Grand Traverse, Michigan 7 $ 1,098,000 $ 156,857 $ 96,000
Montcalm, Michigan 7 $ 178,000 $ 25,428 $ 35,000
Roscommon, Michigan 7 $ 954,000 $ 136,285 $ 70,000
Shiawassee, Michigan 7 $ 1,207,000 $ 172,428 $ 71,000
St. Clair, Michigan 7 $ 1,206,000 $ 172,285 $ 97,000
Lehigh, Pennsylvania 7 $ 262,000 $ 37,428 $ 0
Montgomery, Pennsylvania 7 $ 540,000 $ 77,142 $ 0
Shelby, Tennessee 7 $ 522,000 $ 74,571 $ 60,000
Fort Bend, Texas 7 $ 1,475,000 $ 210,714 $ 31,000
Orange, California 6 $ 1,534,000 $ 255,666 $ 36,000
Charlotte, Florida 6 $ 633,000 $ 105,500 $ 104,000
Collier, Florida 6 $ 858,000 $ 143,000 $ 51,000
Sarasota, Florida 6 $ 1,068,000 $ 178,000 $ 162,000
Polk, Iowa 6 $ 398,000 $ 66,333 $ 35,000
Ottawa, Michigan 6 $ 1,561,000 $ 260,166 $ 75,000
Hennepin, Minnesota 6 $ 851,000 $ 141,833 $ 76,000
Ramsey, Minnesota 6 $ 190,000 $ 31,666 $ 0
Bexar, Texas 6 $ 299,000 $ 49,833 $ 0
Denton, Texas 6 $ 940,000 $ 156,666 $ 72,000
Lake, California 5 $ 230,000 $ 46,000 $ 41,000
Placer, California 5 $ 1,547,000 $ 309,400 $ 0
San Joaquin, California 5 $ 1,106,000 $ 221,200 $ 0
Sussex, Delaware 5 $ 256,000 $ 51,200 $ 8,000
DeKalb, Georgia 5 $ 1,030,000 $ 206,000 $ 55,000
Fulton, Georgia 5 $ 636,000 $ 127,200 $ 51,000
DuPage, Illinois 5 $ 804,000 $ 160,800 $ 58,000
Will, Illinois 5 $ 1,418,000 $ 283,600 $ 142,000
Prince George's, Maryland 5 $ 547,000 $ 109,400 $ 0
Antrim, Michigan 5 $ 433,000 $ 86,600 $ 120,000
Charlevoix, Michigan 5 $ 219,000 $ 43,800 $ 31,000
Mecosta, Michigan 5 $ 241,000 $ 48,200 $ 43,000
Saginaw, Michigan 5 $ 393,000 $ 78,600 $ 82,000
Van Buren, Michigan 5 $ 408,000 $ 81,600 $ 112,000
Camden, New Jersey 5 $ 105,000 $ 21,000 $ 0
Berks, Pennsylvania 5 $ 321,000 $ 64,200 $ 0
Lancaster, Pennsylvania 5 $ 232,000 $ 46,400 $ 0
Montgomery, Alabama 4 $ 229,000 $ 57,250 $ 74,000
Alameda, California 4 $ 983,000 $ 245,750 $ 57,000
Solano, California 4 $ 655,000 $ 163,750 $ 0
Arapahoe, Colorado 4 $ 283,000 $ 70,750 $ 0
Jefferson, Colorado 4 $ 420,000 $ 105,000 $ 0
Bay, Florida 4 $ 192,000 $ 48,000 $ 46,000
Citrus, Florida 4 $ 494,000 $ 123,500 $ 50,000
Columbia, Florida 4 $ 559,000 $ 139,750 $ 74,000
Indian River, Florida 4 $ 1,186,000 $ 296,500 $ 234,000
Lake, Florida 4 $ 343,000 $ 85,750 $ 94,000
Manatee, Florida 4 $ 1,337,000 $ 334,250 $ 159,000
Cobb, Georgia 4 $ 445,000 $ 111,250 $ 0
Lake, Illinois 4 $ 1,151,000 $ 287,750 $ 124,000
McHenry, Illinois 4 $ 778,000 $ 194,500 $ 102,000
Calloway, Kentucky 4 $ 135,000 $ 33,750 $ 37,000
Arenac, Michigan 4 $ 153,000 $ 38,250 $ 41,000
Crawford, Michigan 4 $ 750,000 $ 187,500 $ 45,000
Gratiot, Michigan 4 $ 449,000 $ 112,250 $ 74,000
Kalamazoo, Michigan 4 $ 421,000 $ 105,250 $ 82,000
Lenawee, Michigan 4 $ 452,000 $ 113,000 $ 57,000
Dakota, Minnesota 4 $ 309,000 $ 77,250 $ 0
King, Washington 4 $ 803,000 $ 200,750 $ 0
Mohave, Arizona 3 $ 83,000 $ 27,666 $ 9,000
Pinal, Arizona 3 $ 337,000 $ 112,333 $ 0
Sonoma, California 3 $ 587,000 $ 195,666 $ 0
Ventura, California 3 $ 1,216,000 $ 405,333 $ 0
New Castle, Delaware 3 $ 583,000 $ 194,333 $ 0
Clay, Florida 3 $ 167,000 $ 55,666 $ 30,000
Gilchrist, Florida 3 $ 315,000 $ 105,000 $ 80,000
Martin, Florida 3 $ 902,000 $ 300,666 $ 336,000
Okaloosa, Florida 3 $ 277,000 $ 92,333 $ 17,000
Putnam, Florida 3 $ 44,000 $ 14,666 $ 33,000
Kane, Illinois 3 $ 1,073,000 $ 357,666 $ 104,000
Henry, Indiana 3 $ 217,000 $ 72,333 $ 33,000
Marion, Indiana 3 $ 422,000 $ 140,666 $ 0
Middlesex, Massachusetts 3 $ 575,000 $ 191,666 $ 0
Cass, Michigan 3 $ 266,000 $ 88,666 $ 37,000
Cheboygan, Michigan 3 $ 139,000 $ 46,333 $ 25,000
Hillsdale, Michigan 3 $ 480,000 $ 160,000 $ 60,000
Newaygo, Michigan 3 $ 264,000 $ 88,000 $ 65,000
Sanilac, Michigan 3 $ 68,000 $ 22,666 $ 53,000
Wexford, Michigan 3 $ 191,000 $ 63,666 $ 54,000
Essex, New Jersey 3 $ 652,000 $ 217,333 $ 66,000
Morris, New Jersey 3 $ 559,000 $ 186,333 $ 116,000
Albany, New York 3 $ 366,000 $ 122,000 $ 50,000
Mecklenburg, North Carolina 3 $ 512,000 $ 170,666 $ 62,000
Allegheny, Pennsylvania 3 $ 278,000 $ 92,666 $ 39,000
Northampton, Pennsylvania 3 $ 124,000 $ 41,333 $ 0
Richland, South Carolina 3 $ 256,000 $ 85,333 $ 35,000
York, South Carolina 3 $ 237,000 $ 79,000 $ 0
Blount, Tennessee 3 $ 812,000 $ 270,666 $ 80,000
Collin, Texas 3 $ 170,000 $ 56,666 $ 0
Lubbock, Texas 3 $ 61,000 $ 20,333 $ 6,000
Smith, Texas 3 $ 368,000 $ 122,666 $ 55,000
Weber, Utah 3 $ 986,000 $ 328,666 $ 92,000
Snohomish, Washington 3 $ 368,000 $ 122,666 $ 0
Milwaukee, Wisconsin 3 $ 172,000 $ 57,333 $ 18,000
Baldwin, Alabama 2 $ 170,000 $ 85,000 $ 22,000
Elmore, Alabama 2 $ 111,000 $ 55,500 $ 0
Jefferson, Alabama 2 $ 21,000 $ 10,500 $ 7,000
Anchorage, Alaska 2 $ 102,000 $ 51,000 $ 0
Pulaski, Arkansas 2 $ 338,000 $ 169,000 $ 58,000
Kern, California 2 $ 198,000 $ 99,000 $ 0
Marin, California 2 $ 1,194,000 $ 597,000 $ 0
Napa, California 2 $ 1,388,000 $ 694,000 $ 75,000
San Mateo, California 2 $ 271,000 $ 135,500 $ 0
Santa Clara, California 2 $ 211,000 $ 105,500 $ 70,000
Santa Cruz, California 2 $ 558,000 $ 279,000 $ 0
Tulare, California 2 $ 277,000 $ 138,500 $ 60,000
Yolo, California 2 $ 513,000 $ 256,500 $ 101,000
Boulder, Colorado 2 $ 235,000 $ 117,500 $ 0
Larimer, Colorado 2 $ 100,000 $ 50,000 $ 0
District of Columbia, District Of Columbia 2 $ 134,000 $ 67,000 $ 75,000
Leon, Florida 2 $ 143,000 $ 71,500 $ 54,000
Marion, Florida 2 $ 99,000 $ 49,500 $ 48,000
Monroe, Florida 2 $ 310,000 $ 155,000 $ 259,000
Washington, Florida 2 $ 59,000 $ 29,500 $ 33,000
Bibb, Georgia 2 $ 369,000 $ 184,500 $ 76,000
Fayette, Georgia 2 $ 524,000 $ 262,000 $ 186,000
Ada, Idaho 2 $ 262,000 $ 131,000 $ 0
St. Clair, Illinois 2 $ 547,000 $ 273,500 $ 78,000
Williamson, Illinois 2 $ 150,000 $ 75,000 $ 61,000
Allen, Indiana 2 $ 223,000 $ 111,500 $ 32,000
Decatur, Indiana 2 $ 496,000 $ 248,000 $ 54,000
Hamilton, Indiana 2 $ 733,000 $ 366,500 $ 146,000
Jefferson, Indiana 2 $ 172,000 $ 86,000 $ 45,000
Lake, Indiana 2 $ 151,000 $ 75,500 $ 20,000
LaPorte, Indiana 2 $ 365,000 $ 182,500 $ 86,000
Fayette, Iowa 2 $ 77,000 $ 38,500 $ 41,000
Marshall, Kentucky 2 $ 712,000 $ 356,000 $ 180,000
Montgomery, Maryland 2 $ 544,000 $ 272,000 $ 143,000
Plymouth, Massachusetts 2 $ 418,000 $ 209,000 $ 45,000
Suffolk, Massachusetts 2 $ 327,000 $ 163,500 $ 0
Bay, Michigan 2 $ 93,000 $ 46,500 $ 57,000
Benzie, Michigan 2 $ 529,000 $ 264,500 $ 84,000
Calhoun, Michigan 2 $ 124,000 $ 62,000 $ 36,000
Chippewa, Michigan 2 $ 219,000 $ 109,500 $ 62,000
Kalkaska, Michigan 2 $ 80,000 $ 40,000 $ 34,000
Mackinac, Michigan 2 $ 143,000 $ 71,500 $ 53,000
Mason, Michigan 2 $ 277,000 $ 138,500 $ 103,000
Anoka, Minnesota 2 $ 69,000 $ 34,500 $ 18,000
Chisago, Minnesota 2 $ 148,000 $ 74,000 $ 51,000
Lyon, Minnesota 2 $ 95,000 $ 47,500 $ 0
Washington, Minnesota 2 $ 299,000 $ 149,500 $ 10,000
Greene, Missouri 2 $ 62,000 $ 31,000 $ 15,000
St. Louis, Missouri 2 $ 240,000 $ 120,000 $ 82,000
Douglas, Nebraska 2 $ 17,000 $ 8,500 $ 0
Thurston, Nebraska 2 $ 32,000 $ 16,000 $ 25,000
Bernalillo, New Mexico 2 $ 111,000 $ 55,500 $ 40,000
Queens, New York 2 $ 859,000 $ 429,500 $ 0
Cherokee, North Carolina 2 $ 113,000 $ 56,500 $ 40,000
Macon, North Carolina 2 $ 74,000 $ 37,000 $ 61,000
Seneca, Ohio 2 $ 60,000 $ 30,000 $ 23,000
Oklahoma, Oklahoma 2 $ 36,000 $ 18,000 $ 0
Delaware, Pennsylvania 2 $ 504,000 $ 252,000 $ 0
Monroe, Pennsylvania 2 $ 97,000 $ 48,500 $ 0
Greenville, South Carolina 2 $ 131,000 $ 65,500 $ 29,000
Horry, South Carolina 2 $ 417,000 $ 208,500 $ 35,000
Cumberland, Tennessee 2 $ 168,000 $ 84,000 $ 49,000
Davidson, Tennessee 2 $ 109,000 $ 54,500 $ 79,000
Sevier, Tennessee 2 $ 159,000 $ 79,500 $ 74,000
Bell, Texas 2 $ 328,000 $ 164,000 $ 0
Coleman, Texas 2 $ 25,000 $ 12,500 $ 8,000
Hays, Texas 2 $ 122,000 $ 61,000 $ 0
Hunt, Texas 2 $ 27,000 $ 13,500 $ 5,000
Jefferson, Texas 2 $ 91,000 $ 45,500 $ 24,000
Polk, Texas 2 $ 75,000 $ 37,500 $ 21,000
Tarrant, Texas 2 $ 58,000 $ 29,000 $ 0
Salt Lake, Utah 2 $ 205,000 $ 102,500 $ 0
Utah, Utah 2 $ 132,000 $ 66,000 $ 0
Washington, Utah 2 $ 682,000 $ 341,000 $ 0
Bedford, Virginia 2 $ 801,000 $ 400,500 $ 98,000
Henrico, Virginia 2 $ 202,000 $ 101,000 $ 37,000
Prince William, Virginia 2 $ 520,000 $ 260,000 $ 78,000
Whatcom, Washington 2 $ 310,000 $ 155,000 $ 0
Adams, Wisconsin 2 $ 63,000 $ 31,500 $ 27,000
Marquette, Wisconsin 2 $ 124,000 $ 62,000 $ 34,000
Oconto, Wisconsin 2 $ 136,000 $ 68,000 $ 19,000
Washburn, Wisconsin 2 $ 60,000 $ 30,000 $ 15,000
Waukesha, Wisconsin 2 $ 512,000 $ 256,000 $ 69,000
Calhoun, Alabama 1 $ 10,000 $ 10,000 $ 12,000
Mobile, Alabama 1 $ 95,000 $ 95,000 $ 49,000
Pike, Alabama 1 $ 12,000 $ 12,000 $ 0
St. Clair, Alabama 1 $ 59,000 $ 59,000 $ 0
Tuscaloosa, Alabama 1 $ 63,000 $ 63,000 $ 20,000
Fairbanks North Star, Alaska 1 $ 294,000 $ 294,000 $ 0
Matanuska-Susitna, Alaska 1 $ 122,000 $ 122,000 $ 25,000
Pima, Arizona 1 $ 128,000 $ 128,000 $ 0
Yuma, Arizona 1 $ 51,000 $ 51,000 $ 0
Jefferson, Arkansas 1 $ 189,000 $ 189,000 $ 198,000
Lonoke, Arkansas 1 $ 98,000 $ 98,000 $ 46,000
Butte, California 1 $ 245,000 $ 245,000 $ 0
Fresno, California 1 $ 90,000 $ 90,000 $ 0
Imperial, California 1 $ 23,000 $ 23,000 $ 27,000
San Francisco, California 1 $ 417,000 $ 417,000 $ 84,000
Stanislaus, California 1 $ 19,000 $ 19,000 $ 0
Trinity, California 1 $ 20,000 $ 20,000 $ 0
Costilla, Colorado 1 $ 105,000 $ 105,000 $ 72,000
Douglas, Colorado 1 $ 473,000 $ 473,000 $ 0
El Paso, Colorado 1 $ 17,000 $ 17,000 $ 0
Grand, Colorado 1 $ 162,000 $ 162,000 $ 0
Routt, Colorado 1 $ 89,000 $ 89,000 $ 0
Weld, Colorado 1 $ 40,000 $ 40,000 $ 0
New Haven, Connecticut 1 $ 102,000 $ 102,000 $ 58,000
Alachua, Florida 1 $ 62,000 $ 62,000 $ 45,000
DeSoto, Florida 1 $ 39,000 $ 39,000 $ 36,000
Flagler, Florida 1 $ 105,000 $ 105,000 $ 72,000
Jefferson, Florida 1 $ 23,000 $ 23,000 $ 35,000
Levy, Florida 1 $ 25,000 $ 25,000 $ 18,000
Nassau, Florida 1 $ 58,000 $ 58,000 $ 38,000
Santa Rosa, Florida 1 $ 83,000 $ 83,000 $ 60,000
St. Johns, Florida 1 $ 56,000 $ 56,000 $ 28,000
Suwannee, Florida 1 $ 70,000 $ 70,000 $ 52,000
Taylor, Florida 1 $ 27,000 $ 27,000 $ 65,000
Wakulla, Florida 1 $ 190,000 $ 190,000 $ 225,000
Bartow, Georgia 1 $ 18,000 $ 18,000 $ 32,000
Cherokee, Georgia 1 $ 28,000 $ 28,000 $ 0
Clayton, Georgia 1 $ 117,000 $ 117,000 $ 30,000
Dodge, Georgia 1 $ 31,000 $ 31,000 $ 0
Douglas, Georgia 1 $ 95,000 $ 95,000 $ 76,000
Effingham, Georgia 1 $ 211,000 $ 211,000 $ 45,000
Floyd, Georgia 1 $ 36,000 $ 36,000 $ 20,000
Hart, Georgia 1 $ 48,000 $ 48,000 $ 0
Houston, Georgia 1 $ 14,000 $ 14,000 $ 0
Jackson, Georgia 1 $ 15,000 $ 15,000 $ 0
Lowndes, Georgia 1 $ 51,000 $ 51,000 $ 83,000
Newton, Georgia 1 $ 60,000 $ 60,000 $ 43,000
Rabun, Georgia 1 $ 108,000 $ 108,000 $ 121,000
Richmond, Georgia 1 $ 25,000 $ 25,000 $ 26,000
Troup, Georgia 1 $ 55,000 $ 55,000 $ 114,000
Canyon, Idaho 1 $ 63,000 $ 63,000 $ 0
Kootenai, Idaho 1 $ 154,000 $ 154,000 $ 0
De Witt, Illinois 1 $ 303,000 $ 303,000 $ 172,000
DeKalb, Illinois 1 $ 338,000 $ 338,000 $ 361,000
Hamilton, Illinois 1 $ 20,000 $ 20,000 $ 16,000
Hancock, Illinois 1 $ 330,000 $ 330,000 $ 128,000
Jefferson, Illinois 1 $ 56,000 $ 56,000 $ 44,000
Kendall, Illinois 1 $ 293,000 $ 293,000 $ 100,000
Pulaski, Illinois 1 $ 153,000 $ 153,000 $ 77,000
Winnebago, Illinois 1 $ 85,000 $ 85,000 $ 60,000
Boone, Indiana 1 $ 427,000 $ 427,000 $ 236,000
Hendricks, Indiana 1 $ 155,000 $ 155,000 $ 50,000
Johnson, Indiana 1 $ 92,000 $ 92,000 $ 44,000
Madison, Indiana 1 $ 85,000 $ 85,000 $ 0
Miami, Indiana 1 $ 30,000 $ 30,000 $ 41,000
Porter, Indiana 1 $ 126,000 $ 126,000 $ 51,000
St. Joseph, Indiana 1 $ 65,000 $ 65,000 $ 27,000
Sullivan, Indiana 1 $ 55,000 $ 55,000 $ 105,000
Vigo, Indiana 1 $ 29,000 $ 29,000 $ 93,000
Wabash, Indiana 1 $ 30,000 $ 30,000 $ 82,000
Black Hawk, Iowa 1 $ 45,000 $ 45,000 $ 48,000
Dallas, Iowa 1 $ 22,000 $ 22,000 $ 0
Hardin, Iowa 1 $ 26,000 $ 26,000 $ 25,000
Jefferson, Iowa 1 $ 220,000 $ 220,000 $ 84,000
Jones, Iowa 1 $ 69,000 $ 69,000 $ 91,000
Lucas, Iowa 1 $ 28,000 $ 28,000 $ 43,000
Mills, Iowa 1 $ 63,000 $ 63,000 $ 28,000
Pottawattamie, Iowa 1 $ 88,000 $ 88,000 $ 51,000
Ringgold, Iowa 1 $ 36,000 $ 36,000 $ 29,000
Johnson, Kansas 1 $ 117,000 $ 117,000 $ 71,000
Wyandotte, Kansas 1 $ 77,000 $ 77,000 $ 65,000
Boone, Kentucky 1 $ 77,000 $ 77,000 $ 55,000
Fayette, Kentucky 1 $ 105,000 $ 105,000 $ 40,000
Garrard, Kentucky 1 $ 101,000 $ 101,000 $ 84,000
Greenup, Kentucky 1 $ 46,000 $ 46,000 $ 25,000
Harrison, Kentucky 1 $ 33,000 $ 33,000 $ 46,000
Jefferson, Kentucky 1 $ 401,000 $ 401,000 $ 150,000
Kenton, Kentucky 1 $ 12,000 $ 12,000 $ 52,000
McCracken, Kentucky 1 $ 37,000 $ 37,000 $ 33,000
Pike, Kentucky 1 $ 19,000 $ 19,000 $ 55,000
Wayne, Kentucky 1 $ 47,000 $ 47,000 $ 31,000
Jefferson, Louisiana 1 $ 59,000 $ 59,000 $ 0
Lafayette, Louisiana 1 $ 45,000 $ 45,000 $ 33,000
Livingston, Louisiana 1 $ 49,000 $ 49,000 $ 0
St. Bernard, Louisiana 1 $ 182,000 $ 182,000 $ 97,000
St. Tammany, Louisiana 1 $ 236,000 $ 236,000 $ 200,000
Franklin, Maine 1 $ 31,000 $ 31,000 $ 47,000
Kennebec, Maine 1 $ 50,000 $ 50,000 $ 13,000
Penobscot, Maine 1 $ 21,000 $ 21,000 $ 25,000
York, Maine 1 $ 49,000 $ 49,000 $ 0
Allegany, Maryland 1 $ 75,000 $ 75,000 $ 31,000
Baltimore, Maryland 1 $ 240,000 $ 240,000 $ 0
Charles, Maryland 1 $ 100,000 $ 100,000 $ 46,000
Dorchester, Maryland 1 $ 12,000 $ 12,000 $ 0
Essex, Massachusetts 1 $ 50,000 $ 50,000 $ 0
Alger, Michigan 1 $ 70,000 $ 70,000 $ 30,000
Delta, Michigan 1 $ 27,000 $ 27,000 $ 25,000
Emmet, Michigan 1 $ 80,000 $ 80,000 $ 80,000
Iosco, Michigan 1 $ 28,000 $ 28,000 $ 23,000
Iron, Michigan 1 $ 235,000 $ 235,000 $ 49,000
Isabella, Michigan 1 $ 20,000 $ 20,000 $ 27,000
Lake, Michigan 1 $ 60,000 $ 60,000 $ 32,000
Lapeer, Michigan 1 $ 44,000 $ 44,000 $ 0
Manistee, Michigan 1 $ 39,000 $ 39,000 $ 33,000
Midland, Michigan 1 $ 140,000 $ 140,000 $ 149,000
Monroe, Michigan 1 $ 200,000 $ 200,000 $ 108,000
Oceana, Michigan 1 $ 42,000 $ 42,000 $ 47,000
Ogemaw, Michigan 1 $ 108,000 $ 108,000 $ 43,000
Osceola, Michigan 1 $ 45,000 $ 45,000 $ 19,000
Presque Isle, Michigan 1 $ 26,000 $ 26,000 $ 25,000
Schoolcraft, Michigan 1 $ 160,000 $ 160,000 $ 51,000
Becker, Minnesota 1 $ 48,000 $ 48,000 $ 0
Carver, Minnesota 1 $ 6,000 $ 6,000 $ 0
Isanti, Minnesota 1 $ 120,000 $ 120,000 $ 121,000
Nobles, Minnesota 1 $ 147,000 $ 147,000 $ 33,000
Pipestone, Minnesota 1 $ 13,000 $ 13,000 $ 39,000
Polk, Minnesota 1 $ 63,000 $ 63,000 $ 63,000
Scott, Minnesota 1 $ 361,000 $ 361,000 $ 110,000
Winona, Minnesota 1 $ 56,000 $ 56,000 $ 19,000
Wright, Minnesota 1 $ 160,000 $ 160,000 $ 0
DeSoto, Mississippi 1 $ 139,000 $ 139,000 $ 30,000
Hancock, Mississippi 1 $ 20,000 $ 20,000 $ 0
Hinds, Mississippi 1 $ 44,000 $ 44,000 $ 51,000
Jones, Mississippi 1 $ 13,000 $ 13,000 $ 7,000
Monroe, Mississippi 1 $ 38,000 $ 38,000 $ 44,000
Butler, Missouri 1 $ 283,000 $ 283,000 $ 0
Lawrence, Missouri 1 $ 30,000 $ 30,000 $ 34,000
Ray, Missouri 1 $ 29,000 $ 29,000 $ 37,000
St. Francois, Missouri 1 $ 18,000 $ 18,000 $ 52,000
St. Louis City, Missouri 1 $ 113,000 $ 113,000 $ 82,000
Clay, Nebraska 1 $ 23,000 $ 23,000 $ 29,000
Lincoln, Nevada 1 $ 147,000 $ 147,000 $ 0
Nye, Nevada 1 $ 102,000 $ 102,000 $ 22,000
Washoe, Nevada 1 $ 179,000 $ 179,000 $ 0
Hudson, New Jersey 1 $ 263,000 $ 263,000 $ 0
Dona Ana, New Mexico 1 $ 10,000 $ 10,000 $ 0
San Juan, New Mexico 1 $ 49,000 $ 49,000 $ 25,000
Broome, New York 1 $ 37,000 $ 37,000 $ 30,000
Cayuga, New York 1 $ 39,000 $ 39,000 $ 21,000
Chenango, New York 1 $ 63,000 $ 63,000 $ 40,000
Fulton, New York 1 $ 14,000 $ 14,000 $ 0
Westchester, New York 1 $ 23,000 $ 23,000 $ 0
Beaufort, North Carolina 1 $ 14,000 $ 14,000 $ 79,000
Brunswick, North Carolina 1 $ 54,000 $ 54,000 $ 123,000
Buncombe, North Carolina 1 $ 12,000 $ 12,000 $ 0
Craven, North Carolina 1 $ 35,000 $ 35,000 $ 0
Cumberland, North Carolina 1 $ 14,000 $ 14,000 $ 57,000
Davidson, North Carolina 1 $ 33,000 $ 33,000 $ 78,000
Durham, North Carolina 1 $ 202,000 $ 202,000 $ 0
Forsyth, North Carolina 1 $ 36,000 $ 36,000 $ 0
Gaston, North Carolina 1 $ 105,000 $ 105,000 $ 0
Moore, North Carolina 1 $ 12,000 $ 12,000 $ 36,000
New Hanover, North Carolina 1 $ 32,000 $ 32,000 $ 0
Randolph, North Carolina 1 $ 108,000 $ 108,000 $ 34,000
Robeson, North Carolina 1 $ 30,000 $ 30,000 $ 82,000
Scotland, North Carolina 1 $ 88,000 $ 88,000 $ 27,000
Union, North Carolina 1 $ 123,000 $ 123,000 $ 50,000
Warren, North Carolina 1 $ 41,000 $ 41,000 $ 16,000
Allen, Ohio 1 $ 9,000 $ 9,000 $ 0
Ashtabula, Ohio 1 $ 15,000 $ 15,000 $ 40,000
Crawford, Ohio 1 $ 15,000 $ 15,000 $ 40,000
Guernsey, Ohio 1 $ 16,000 $ 16,000 $ 15,000
Henry, Ohio 1 $ 54,000 $ 54,000 $ 0
Jackson, Ohio 1 $ 41,000 $ 41,000 $ 43,000
Lake, Ohio 1 $ 37,000 $ 37,000 $ 0
Licking, Ohio 1 $ 13,000 $ 13,000 $ 0
Marion, Ohio 1 $ 16,000 $ 16,000 $ 38,000
Morrow, Ohio 1 $ 25,000 $ 25,000 $ 28,000
Perry, Ohio 1 $ 10,000 $ 10,000 $ 52,000
Trumbull, Ohio 1 $ 9,000 $ 9,000 $ 33,000
Wood, Ohio 1 $ 225,000 $ 225,000 $ 107,000
Carter, Oklahoma 1 $ 15,000 $ 15,000 $ 0
Douglas, Oregon 1 $ 177,000 $ 177,000 $ 0
Marion, Oregon 1 $ 11,000 $ 11,000 $ 0
Washington, Oregon 1 $ 14,000 $ 14,000 $ 0
Carbon, Pennsylvania 1 $ 34,000 $ 34,000 $ 0
Chester, Pennsylvania 1 $ 377,000 $ 377,000 $ 159,000
Cumberland, Pennsylvania 1 $ 55,000 $ 55,000 $ 0
Dauphin, Pennsylvania 1 $ 44,000 $ 44,000 $ 0
Erie, Pennsylvania 1 $ 89,000 $ 89,000 $ 43,000
Fayette, Pennsylvania 1 $ 52,000 $ 52,000 $ 61,000
Montour, Pennsylvania 1 $ 45,000 $ 45,000 $ 86,000
Somerset, Pennsylvania 1 $ 40,000 $ 40,000 $ 0
Susquehanna, Pennsylvania 1 $ 165,000 $ 165,000 $ 72,000
Westmoreland, Pennsylvania 1 $ 61,000 $ 61,000 $ 45,000
York, Pennsylvania 1 $ 64,000 $ 64,000 $ 0
Washington, Rhode Island 1 $ 311,000 $ 311,000 $ 160,000
Bamberg, South Carolina 1 $ 26,000 $ 26,000 $ 78,000
Beaufort, South Carolina 1 $ 152,000 $ 152,000 $ 65,000
Charleston, South Carolina 1 $ 9,000 $ 9,000 $ 0
Chester, South Carolina 1 $ 21,000 $ 21,000 $ 56,000
Clarendon, South Carolina 1 $ 41,000 $ 41,000 $ 0
Colleton, South Carolina 1 $ 128,000 $ 128,000 $ 25,000
Dorchester, South Carolina 1 $ 93,000 $ 93,000 $ 64,000
Lexington, South Carolina 1 $ 260,000 $ 260,000 $ 98,000
Spartanburg, South Carolina 1 $ 180,000 $ 180,000 $ 60,000
Bradley, Tennessee 1 $ 70,000 $ 70,000 $ 0
Campbell, Tennessee 1 $ 19,000 $ 19,000 $ 38,000
Dickson, Tennessee 1 $ 42,000 $ 42,000 $ 26,000
Fentress, Tennessee 1 $ 110,000 $ 110,000 $ 80,000
Greene, Tennessee 1 $ 16,000 $ 16,000 $ 41,000
Jackson, Tennessee 1 $ 16,000 $ 16,000 $ 25,000
Jefferson, Tennessee 1 $ 92,000 $ 92,000 $ 30,000
Knox, Tennessee 1 $ 134,000 $ 134,000 $ 43,000
Lauderdale, Tennessee 1 $ 25,000 $ 25,000 $ 165,000
Maury, Tennessee 1 $ 153,000 $ 153,000 $ 75,000
Polk, Tennessee 1 $ 12,000 $ 12,000 $ 15,000
Rhea, Tennessee 1 $ 50,000 $ 50,000 $ 54,000
Sequatchie, Tennessee 1 $ 31,000 $ 31,000 $ 13,000
Sullivan, Tennessee 1 $ 193,000 $ 193,000 $ 59,000
Sumner, Tennessee 1 $ 291,000 $ 291,000 $ 49,000
White, Tennessee 1 $ 45,000 $ 45,000 $ 50,000
Wilson, Tennessee 1 $ 216,000 $ 216,000 $ 122,000
Austin, Texas 1 $ 51,000 $ 51,000 $ 0
Bastrop, Texas 1 $ 82,000 $ 82,000 $ 0
Brazoria, Texas 1 $ 33,000 $ 33,000 $ 0
Chambers, Texas 1 $ 11,000 $ 11,000 $ 0
Galveston, Texas 1 $ 13,000 $ 13,000 $ 0
Gray, Texas 1 $ 160,000 $ 160,000 $ 0
Gregg, Texas 1 $ 21,000 $ 21,000 $ 0
Hardin, Texas 1 $ 36,000 $ 36,000 $ 47,000
Hockley, Texas 1 $ 18,000 $ 18,000 $ 15,000
Hutchinson, Texas 1 $ 25,000 $ 25,000 $ 34,000
Jim Wells, Texas 1 $ 120,000 $ 120,000 $ 97,000
Kaufman, Texas 1 $ 122,000 $ 122,000 $ 0
Lamar, Texas 1 $ 12,000 $ 12,000 $ 41,000
Maverick, Texas 1 $ 24,000 $ 24,000 $ 0
Montgomery, Texas 1 $ 20,000 $ 20,000 $ 0
Navarro, Texas 1 $ 25,000 $ 25,000 $ 0
Nueces, Texas 1 $ 28,000 $ 28,000 $ 83,000
Orange, Texas 1 $ 32,000 $ 32,000 $ 48,000
Taylor, Texas 1 $ 48,000 $ 48,000 $ 0
Van Zandt, Texas 1 $ 173,000 $ 173,000 $ 0
Walker, Texas 1 $ 24,000 $ 24,000 $ 30,000
Washington, Texas 1 $ 156,000 $ 156,000 $ 0
Webb, Texas 1 $ 17,000 $ 17,000 $ 0
Wichita, Texas 1 $ 27,000 $ 27,000 $ 25,000
Davis, Utah 1 $ 39,000 $ 39,000 $ 0
Summit, Utah 1 $ 776,000 $ 776,000 $ 0
Chittenden, Vermont 1 $ 292,000 $ 292,000 $ 117,000
Lamoille, Vermont 1 $ 401,000 $ 401,000 $ 243,000
Amherst, Virginia 1 $ 225,000 $ 225,000 $ 127,000
Carroll, Virginia 1 $ 88,000 $ 88,000 $ 45,000
Chesterfield, Virginia 1 $ 220,000 $ 220,000 $ 101,000
Fauquier, Virginia 1 $ 396,000 $ 396,000 $ 245,000
Hanover, Virginia 1 $ 215,000 $ 215,000 $ 64,000
Henry, Virginia 1 $ 118,000 $ 118,000 $ 24,000
Loudoun, Virginia 1 $ 399,000 $ 399,000 $ 0
Newport News, Virginia 1 $ 131,000 $ 131,000 $ 43,000
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Mortgage Loan Application Detail Totals for First National Bank of America in 2014

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 1,288 $120,638,000 $93,000 $2,891,000 $34,000 $745,000
Refinancing 606 $106,359,000 $175,000 $4,950,000 $70,000 $2,196,000
Home Improvement 137 $10,638,000 $77,000 $610,000 $46,000 $299,000

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
Not applicable 941 $98,025,000 $104,000 $4,950,000 $0 $0
White 666 $91,413,000 $137,000 $698,000 $89,000 $2,196,000
Not Provided 162 $14,423,000 $89,000 $547,000 $71,000 $437,000
Black or African American 120 $14,820,000 $123,000 $950,000 $92,000 $444,000
Hispanic 94 $10,816,000 $115,000 $380,000 $73,000 $480,000
Asian 33 $6,977,000 $211,000 $595,000 $97,000 $350,000
American Indian or Alaskan Native 13 $1,077,000 $82,000 $622,000 $66,000 $226,000
Native Hawaiian or Other Pacific Islander 2 $84,000 $42,000 $43,000 $47,000 $52,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,994 $230,391,000 $115,000 $4,950,000 $45,000 $2,196,000
FHA-insured (Federal Housing Administration) 35 $7,053,000 $201,000 $417,000 $90,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $191,000 $95,000 $98,000 $43,000 $46,000
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 906 $85,168,000 $94,000 $899,000 $0 $0
Application Denied By Financial Institution 484 $58,384,000 $120,000 $2,891,000 $74,000 $533,000
Loan Originated 378 $49,767,000 $131,000 $4,950,000 $83,000 $617,000
Application Withdrawn By Applicant 138 $24,704,000 $179,000 $600,000 $101,000 $2,196,000
Application Approved But Not Accepted 125 $19,612,000 $156,000 $2,100,000 $91,000 $745,000
File Closed For Incompleteness 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 255 $28,165,000 $110,000 $950,000 $75,000 $533,000
Debt-To-Income Ratio 101 $12,885,000 $127,000 $698,000 $55,000 $236,000
Collateral 81 $9,372,000 $115,000 $375,000 $97,000 $406,000
Other 26 $3,478,000 $133,000 $595,000 $82,000 $211,000
Insufficient Cash (Downpayment, Closing Cost) 8 $869,000 $108,000 $212,000 $64,000 $100,000
Unverifiable Information 7 $3,329,000 $475,000 $2,891,000 $55,000 $226,000
Employment History 6 $286,000 $47,000 $100,000 $54,000 $85,000
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 2014 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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