First National Bank of America Mortgage Lending & HMDA Data, 2021

In 2021, First National Bank of America of East Lansing, MI reported 5,930 mortgage applications totaling $1.3 billion, down 52% from 2020. The average application was for $219,468, and applicants reported an average income of $99,166. 46% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (488), Houston-The Woodlands-Sugar Land, TX (292) and Washington-Arlington-Alexandria, DC-VA-MD-WV (220) (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
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,930
Total Mortgage Loan Application Amount $1,301,450,000
Average Mortgage Loan Application Amount $219,468
Highest Mortgage Loan Application Amount $3,555,000
Average Applicant Income $99,166
Highest Applicant Income $1,929,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 206 $ 34,570,000 $ 167,815 $ 84,000
Gwinnett, Georgia 179 $ 41,685,000 $ 232,877 $ 91,000
Fairfield, Connecticut 161 $ 40,775,000 $ 253,260 $ 91,000
Maricopa, Arizona 129 $ 27,735,000 $ 215,000 $ 95,000
Clark, Nevada 127 $ 27,345,000 $ 215,314 $ 84,000
Prince George's, Maryland 114 $ 29,120,000 $ 255,438 $ 96,000
Cobb, Georgia 103 $ 23,295,000 $ 226,165 $ 93,000
New Haven, Connecticut 81 $ 15,125,000 $ 186,728 $ 82,000
Marion, Indiana 72 $ 9,070,000 $ 125,972 $ 54,000
Worcester, Massachusetts 67 $ 19,675,000 $ 293,656 $ 116,000
Cook, Illinois 64 $ 10,970,000 $ 171,406 $ 60,000
Montgomery, Maryland 64 $ 17,940,000 $ 280,312 $ 103,000
Baltimore, Maryland 57 $ 11,345,000 $ 199,035 $ 84,000
Palm Beach, Florida 56 $ 14,490,000 $ 258,750 $ 124,000
Dallas, Texas 55 $ 10,225,000 $ 185,909 $ 129,000
Middlesex, Massachusetts 54 $ 18,430,000 $ 341,296 $ 137,000
Broward, Florida 53 $ 11,275,000 $ 212,735 $ 121,000
Anne Arundel, Maryland 52 $ 13,200,000 $ 253,846 $ 98,000
Salt Lake, Utah 50 $ 14,910,000 $ 298,200 $ 110,000
Davidson, Tennessee 46 $ 10,060,000 $ 218,695 $ 100,000
Los Angeles, California 43 $ 16,515,000 $ 384,069 $ 104,000
Hillsborough, Florida 43 $ 8,435,000 $ 196,162 $ 81,000
Bexar, Texas 43 $ 6,545,000 $ 152,209 $ 84,000
King, Washington 43 $ 15,605,000 $ 362,906 $ 117,000
Lee, Florida 41 $ 7,815,000 $ 190,609 $ 90,000
Snohomish, Washington 37 $ 13,235,000 $ 357,702 $ 116,000
DeKalb, Georgia 36 $ 6,780,000 $ 188,333 $ 69,000
Fort Bend, Texas 35 $ 7,545,000 $ 215,571 $ 75,000
Manatee, Florida 33 $ 6,745,000 $ 204,393 $ 81,000
Miami-Dade, Florida 33 $ 7,725,000 $ 234,090 $ 104,000
Pierce, Washington 33 $ 10,925,000 $ 331,060 $ 136,000
Baltimore City, Maryland 32 $ 4,210,000 $ 131,562 $ 70,000
Jefferson, Kentucky 30 $ 4,150,000 $ 138,333 $ 50,000
Franklin, Ohio 30 $ 4,000,000 $ 133,333 $ 70,000
Marion, Oregon 30 $ 9,250,000 $ 308,333 $ 103,000
Tarrant, Texas 30 $ 6,290,000 $ 209,666 $ 124,000
Chesterfield, Virginia 29 $ 6,005,000 $ 207,068 $ 84,000
Essex, Massachusetts 28 $ 10,980,000 $ 392,142 $ 137,000
Hennepin, Minnesota 28 $ 6,390,000 $ 228,214 $ 86,000
Jefferson, Alabama 27 $ 4,385,000 $ 162,407 $ 59,000
Polk, Florida 27 $ 5,635,000 $ 208,703 $ 115,000
San Bernardino, California 26 $ 5,580,000 $ 214,615 $ 73,000
Hartford, Connecticut 26 $ 4,160,000 $ 160,000 $ 63,000
Montgomery, Texas 26 $ 5,810,000 $ 223,461 $ 119,000
Shelby, Tennessee 24 $ 3,550,000 $ 147,916 $ 56,000
Jefferson, Louisiana 23 $ 3,635,000 $ 158,043 $ 72,000
Shelby, Alabama 22 $ 3,570,000 $ 162,272 $ 110,000
New Castle, Delaware 22 $ 4,930,000 $ 224,090 $ 86,000
Orange, Florida 22 $ 4,960,000 $ 225,454 $ 123,000
Osceola, Florida 22 $ 5,860,000 $ 266,363 $ 216,000
Pasco, Florida 22 $ 3,660,000 $ 166,363 $ 98,000
Pinellas, Florida 22 $ 4,720,000 $ 214,545 $ 116,000
Clayton, Georgia 22 $ 3,310,000 $ 150,454 $ 125,000
Berkeley, South Carolina 22 $ 5,810,000 $ 264,090 $ 92,000
Rutherford, Tennessee 22 $ 4,880,000 $ 221,818 $ 74,000
Prince William, Virginia 22 $ 6,910,000 $ 314,090 $ 105,000
Utah, Utah 21 $ 7,515,000 $ 357,857 $ 115,000
Adams, Colorado 20 $ 6,310,000 $ 315,500 $ 198,000
Sarasota, Florida 20 $ 3,630,000 $ 181,500 $ 78,000
Forsyth, Georgia 20 $ 5,530,000 $ 276,500 $ 127,000
Fulton, Georgia 20 $ 5,950,000 $ 297,500 $ 108,000
Barnstable, Massachusetts 20 $ 6,330,000 $ 316,500 $ 114,000
Ingham, Michigan 20 $ 5,710,000 $ 285,500 $ 49,000
Beaufort, South Carolina 20 $ 4,420,000 $ 221,000 $ 121,000
Denton, Texas 20 $ 6,740,000 $ 337,000 $ 152,000
Pima, Arizona 19 $ 2,525,000 $ 132,894 $ 73,000
Riverside, California 19 $ 4,455,000 $ 234,473 $ 107,000
Sonoma, California 19 $ 8,615,000 $ 453,421 $ 109,000
Weld, Colorado 19 $ 6,235,000 $ 328,157 $ 139,000
Lake, Illinois 19 $ 3,105,000 $ 163,421 $ 65,000
Harrison, Mississippi 19 $ 1,475,000 $ 77,631 $ 90,000
Washington, Oregon 19 $ 7,145,000 $ 376,052 $ 199,000
Duval, Florida 18 $ 2,820,000 $ 156,666 $ 89,000
Cherokee, Georgia 18 $ 4,020,000 $ 223,333 $ 100,000
Plymouth, Massachusetts 18 $ 5,980,000 $ 332,222 $ 136,000
Philadelphia, Pennsylvania 18 $ 2,580,000 $ 143,333 $ 169,000
Collin, Texas 18 $ 6,370,000 $ 353,888 $ 141,000
Fairfax, Virginia 18 $ 5,570,000 $ 309,444 $ 153,000
Williamson, Texas 17 $ 4,335,000 $ 255,000 $ 93,000
Adams, Washington 17 $ 2,975,000 $ 175,000 $ 56,000
Milwaukee, Wisconsin 17 $ 2,235,000 $ 131,470 $ 52,000
St. Lucie, Florida 16 $ 3,370,000 $ 210,625 $ 133,000
DuPage, Illinois 16 $ 3,230,000 $ 201,875 $ 80,000
Howard, Maryland 16 $ 5,450,000 $ 340,625 $ 144,000
Bristol, Massachusetts 16 $ 4,910,000 $ 306,875 $ 113,000
Kent, Michigan 16 $ 2,380,000 $ 148,750 $ 54,000
Oakland, Michigan 16 $ 2,550,000 $ 159,375 $ 86,000
Dorchester, South Carolina 16 $ 3,520,000 $ 220,000 $ 92,000
Bastrop, Texas 16 $ 4,690,000 $ 293,125 $ 118,000
Hall, Georgia 15 $ 3,075,000 $ 205,000 $ 104,000
Wayne, Michigan 15 $ 3,325,000 $ 221,666 $ 117,000
Union, New Jersey 15 $ 4,405,000 $ 293,666 $ 116,000
Montgomery, Pennsylvania 15 $ 3,195,000 $ 213,000 $ 104,000
Pinal, Arizona 14 $ 3,110,000 $ 222,142 $ 91,000
San Joaquin, California 14 $ 4,540,000 $ 324,285 $ 108,000
Arapahoe, Colorado 14 $ 4,390,000 $ 313,571 $ 103,000
Atlantic, New Jersey 14 $ 2,500,000 $ 178,571 $ 69,000
Gloucester, New Jersey 14 $ 2,170,000 $ 155,000 $ 60,000
Galveston, Texas 14 $ 3,840,000 $ 274,285 $ 289,000
Norfolk, Massachusetts 13 $ 4,245,000 $ 326,538 $ 244,000
Ocean, New Jersey 13 $ 3,605,000 $ 277,307 $ 112,000
Delaware, Pennsylvania 13 $ 2,135,000 $ 164,230 $ 78,000
Horry, South Carolina 13 $ 1,795,000 $ 138,076 $ 89,000
Hamilton, Tennessee 13 $ 1,995,000 $ 153,461 $ 58,000
Hidalgo, Texas 13 $ 1,615,000 $ 124,230 $ 105,000
Yavapai, Arizona 12 $ 1,770,000 $ 147,500 $ 215,000
Volusia, Florida 12 $ 1,580,000 $ 131,666 $ 84,000
Douglas, Georgia 12 $ 2,260,000 $ 188,333 $ 59,000
Will, Illinois 12 $ 2,180,000 $ 181,666 $ 85,000
Frederick, Maryland 12 $ 4,030,000 $ 335,833 $ 263,000
Washington, Maryland 12 $ 2,270,000 $ 189,166 $ 82,000
Dakota, Minnesota 12 $ 3,230,000 $ 269,166 $ 81,000
Multnomah, Oregon 12 $ 3,900,000 $ 325,000 $ 107,000
Travis, Texas 12 $ 3,690,000 $ 307,500 $ 147,000
Spotsylvania, Virginia 12 $ 3,130,000 $ 260,833 $ 91,000
Clark, Washington 12 $ 3,720,000 $ 310,000 $ 199,000
Contra Costa, California 11 $ 3,315,000 $ 301,363 $ 72,000
Kern, California 11 $ 2,015,000 $ 183,181 $ 204,000
Sacramento, California 11 $ 2,665,000 $ 242,272 $ 48,000
Denver, Colorado 11 $ 2,665,000 $ 242,272 $ 82,000
Litchfield, Connecticut 11 $ 1,835,000 $ 166,818 $ 42,000
Barrow, Georgia 11 $ 2,365,000 $ 215,000 $ 69,000
Kane, Illinois 11 $ 1,715,000 $ 155,909 $ 58,000
Johnson, Kansas 11 $ 1,975,000 $ 179,545 $ 106,000
Anoka, Minnesota 11 $ 2,175,000 $ 197,727 $ 73,000
Washoe, Nevada 11 $ 2,865,000 $ 260,454 $ 77,000
Clackamas, Oregon 11 $ 5,115,000 $ 465,000 $ 150,000
Mohave, Arizona 10 $ 1,260,000 $ 126,000 $ 79,000
Orange, California 10 $ 3,820,000 $ 382,000 $ 118,000
San Diego, California 10 $ 3,600,000 $ 360,000 $ 720,000
Marion, Florida 10 $ 1,410,000 $ 141,000 $ 139,000
Henry, Georgia 10 $ 1,930,000 $ 193,000 $ 98,000
Fayette, Kentucky 10 $ 1,500,000 $ 150,000 $ 81,000
Charles, Maryland 10 $ 2,830,000 $ 283,000 $ 98,000
Jackson, Missouri 10 $ 1,530,000 $ 153,000 $ 80,000
Suffolk, New York 10 $ 3,860,000 $ 386,000 $ 108,000
Westchester, New York 10 $ 3,150,000 $ 315,000 $ 102,000
Wake, North Carolina 10 $ 1,850,000 $ 185,000 $ 123,000
Bell, Texas 10 $ 2,040,000 $ 204,000 $ 121,000
Washington, Utah 10 $ 2,350,000 $ 235,000 $ 117,000
Henrico, Virginia 10 $ 2,030,000 $ 203,000 $ 80,000
Franklin, Washington 10 $ 1,890,000 $ 189,000 $ 71,000
Grant, Washington 10 $ 1,880,000 $ 188,000 $ 63,000
Tuscaloosa, Alabama 9 $ 1,585,000 $ 176,111 $ 68,000
Seminole, Florida 9 $ 2,305,000 $ 256,111 $ 142,000
McHenry, Illinois 9 $ 1,895,000 $ 210,555 $ 87,000
Harford, Maryland 9 $ 1,825,000 $ 202,777 $ 65,000
Ramsey, Minnesota 9 $ 1,695,000 $ 188,333 $ 75,000
Burlington, New Jersey 9 $ 1,925,000 $ 213,888 $ 77,000
Mecklenburg, North Carolina 9 $ 1,525,000 $ 169,444 $ 76,000
Montgomery, Tennessee 9 $ 2,125,000 $ 236,111 $ 103,000
Norfolk, Virginia 9 $ 1,225,000 $ 136,111 $ 83,000
Roanoke City, Virginia 9 $ 1,135,000 $ 126,111 $ 57,000
Alameda, California 8 $ 4,060,000 $ 507,500 $ 153,000
Tulare, California 8 $ 1,640,000 $ 205,000 $ 121,000
Lake, Florida 8 $ 1,320,000 $ 165,000 $ 97,000
Fayette, Georgia 8 $ 2,100,000 $ 262,500 $ 77,000
Paulding, Georgia 8 $ 1,890,000 $ 236,250 $ 92,000
Hamilton, Indiana 8 $ 1,630,000 $ 203,750 $ 66,000
DeSoto, Mississippi 8 $ 1,640,000 $ 205,000 $ 117,000
Camden, New Jersey 8 $ 1,230,000 $ 153,750 $ 52,000
Nassau, New York 8 $ 2,650,000 $ 331,250 $ 146,000
Charleston, South Carolina 8 $ 1,990,000 $ 248,750 $ 77,000
Jasper, South Carolina 8 $ 1,400,000 $ 175,000 $ 89,000
Fresno, California 7 $ 995,000 $ 142,142 $ 44,000
Middlesex, Connecticut 7 $ 1,455,000 $ 207,857 $ 70,000
Sussex, Delaware 7 $ 1,475,000 $ 210,714 $ 84,000
Hernando, Florida 7 $ 935,000 $ 133,571 $ 95,000
Lake, Indiana 7 $ 935,000 $ 133,571 $ 66,000
Penobscot, Maine 7 $ 785,000 $ 112,142 $ 147,000
Carroll, Maryland 7 $ 1,715,000 $ 245,000 $ 240,000
Cumberland, New Jersey 7 $ 905,000 $ 129,285 $ 56,000
Essex, New Jersey 7 $ 1,755,000 $ 250,714 $ 111,000
Mercer, New Jersey 7 $ 1,215,000 $ 173,571 $ 66,000
Monmouth, New Jersey 7 $ 2,285,000 $ 326,428 $ 105,000
Morris, New Jersey 7 $ 1,485,000 $ 212,142 $ 84,000
Passaic, New Jersey 7 $ 1,535,000 $ 219,285 $ 118,000
Somerset, New Jersey 7 $ 2,145,000 $ 306,428 $ 106,000
Guilford, North Carolina 7 $ 1,295,000 $ 185,000 $ 43,000
Harnett, North Carolina 7 $ 765,000 $ 109,285 $ 56,000
Cuyahoga, Ohio 7 $ 1,175,000 $ 167,857 $ 130,000
Hamilton, Ohio 7 $ 945,000 $ 135,000 $ 66,000
Montgomery, Ohio 7 $ 895,000 $ 127,857 $ 47,000
Northampton, Pennsylvania 7 $ 1,035,000 $ 147,857 $ 60,000
Lexington, South Carolina 7 $ 1,385,000 $ 197,857 $ 121,000
Hays, Texas 7 $ 2,265,000 $ 323,571 $ 216,000
Kaufman, Texas 7 $ 2,115,000 $ 302,142 $ 158,000
Loudoun, Virginia 7 $ 2,345,000 $ 335,000 $ 87,000
Yakima, Washington 7 $ 1,135,000 $ 162,142 $ 58,000
El Paso, Colorado 6 $ 1,500,000 $ 250,000 $ 107,000
Brevard, Florida 6 $ 1,160,000 $ 193,333 $ 72,000
Bartow, Georgia 6 $ 1,320,000 $ 220,000 $ 118,000
Coweta, Georgia 6 $ 1,150,000 $ 191,666 $ 172,000
Rockdale, Georgia 6 $ 1,160,000 $ 193,333 $ 59,000
Boone, Illinois 6 $ 900,000 $ 150,000 $ 83,000
Oldham, Kentucky 6 $ 1,280,000 $ 213,333 $ 73,000
East Baton Rouge, Louisiana 6 $ 850,000 $ 141,666 $ 85,000
Orleans, Louisiana 6 $ 880,000 $ 146,666 $ 58,000
Talbot, Maryland 6 $ 1,230,000 $ 205,000 $ 68,000
Dukes, Massachusetts 6 $ 2,880,000 $ 480,000 $ 156,000
Suffolk, Massachusetts 6 $ 2,060,000 $ 343,333 $ 103,000
Macomb, Michigan 6 $ 850,000 $ 141,666 $ 77,000
Jackson, Mississippi 6 $ 670,000 $ 111,666 $ 232,000
Nye, Nevada 6 $ 810,000 $ 135,000 $ 72,000
Middlesex, New Jersey 6 $ 1,600,000 $ 266,666 $ 108,000
Cumberland, North Carolina 6 $ 500,000 $ 83,333 $ 121,000
Johnston, North Carolina 6 $ 1,450,000 $ 241,666 $ 149,000
Tulsa, Oklahoma 6 $ 750,000 $ 125,000 $ 171,000
Lane, Oregon 6 $ 1,760,000 $ 293,333 $ 0
Chester, Pennsylvania 6 $ 2,070,000 $ 345,000 $ 189,000
York, Pennsylvania 6 $ 590,000 $ 98,333 $ 73,000
Sumner, Tennessee 6 $ 1,160,000 $ 193,333 $ 87,000
Newport News, Virginia 6 $ 650,000 $ 108,333 $ 70,000
Benton, Washington 6 $ 1,390,000 $ 231,666 $ 59,000
Santa Barbara, California 5 $ 1,185,000 $ 237,000 $ 45,000
Solano, California 5 $ 1,555,000 $ 311,000 $ 106,000
Douglas, Colorado 5 $ 2,765,000 $ 553,000 $ 222,000
Larimer, Colorado 5 $ 1,345,000 $ 269,000 $ 77,000
Okaloosa, Florida 5 $ 1,045,000 $ 209,000 $ 48,000
Newton, Georgia 5 $ 665,000 $ 133,000 $ 50,000
Walton, Georgia 5 $ 1,065,000 $ 213,000 $ 76,000
Caroline, Maryland 5 $ 845,000 $ 169,000 $ 93,000
Dona Ana, New Mexico 5 $ 975,000 $ 195,000 $ 69,000
Orange, New York 5 $ 855,000 $ 171,000 $ 182,000
Brunswick, North Carolina 5 $ 775,000 $ 155,000 $ 123,000
Oklahoma, Oklahoma 5 $ 555,000 $ 111,000 $ 307,000
Allegheny, Pennsylvania 5 $ 555,000 $ 111,000 $ 60,000
Berks, Pennsylvania 5 $ 435,000 $ 87,000 $ 40,000
Greenville, South Carolina 5 $ 725,000 $ 145,000 $ 42,000
Wilson, Tennessee 5 $ 1,325,000 $ 265,000 $ 101,000
Grayson, Texas 5 $ 665,000 $ 133,000 $ 58,000
Weber, Utah 5 $ 955,000 $ 191,000 $ 49,000
Culpeper, Virginia 5 $ 1,395,000 $ 279,000 $ 106,000
Richmond City, Virginia 5 $ 665,000 $ 133,000 $ 94,000
Stafford, Virginia 5 $ 1,175,000 $ 235,000 $ 64,000
Virginia Beach, Virginia 5 $ 1,075,000 $ 215,000 $ 82,000
Skagit, Washington 5 $ 1,585,000 $ 317,000 $ 94,000
Kenosha, Wisconsin 5 $ 625,000 $ 125,000 $ 56,000
Racine, Wisconsin 5 $ 1,075,000 $ 215,000 $ 123,000
Chilton, Alabama 4 $ 610,000 $ 152,500 $ 78,000
Yuma, Arizona 4 $ 480,000 $ 120,000 $ 0
Benton, Arkansas 4 $ 660,000 $ 165,000 $ 131,000
Pulaski, Arkansas 4 $ 410,000 $ 102,500 $ 62,000
Mendocino, California 4 $ 1,120,000 $ 280,000 $ 0
Merced, California 4 $ 1,310,000 $ 327,500 $ 111,000
Santa Clara, California 4 $ 2,110,000 $ 527,500 $ 161,000
District of Columbia, District Of Columbia 4 $ 1,640,000 $ 410,000 $ 85,000
Bay, Florida 4 $ 860,000 $ 215,000 $ 111,000
Clay, Florida 4 $ 540,000 $ 135,000 $ 64,000
Collier, Florida 4 $ 1,540,000 $ 385,000 $ 146,000
Leon, Florida 4 $ 560,000 $ 140,000 $ 167,000
St. Johns, Florida 4 $ 590,000 $ 147,500 $ 124,000
Carroll, Georgia 4 $ 870,000 $ 217,500 $ 79,000
Chatham, Georgia 4 $ 800,000 $ 200,000 $ 87,000
Houston, Georgia 4 $ 640,000 $ 160,000 $ 102,000
Jackson, Georgia 4 $ 980,000 $ 245,000 $ 72,000
Walker, Georgia 4 $ 520,000 $ 130,000 $ 49,000
Hawaii, Hawaii 4 $ 830,000 $ 207,500 $ 0
Honolulu, Hawaii 4 $ 1,570,000 $ 392,500 $ 126,000
Canyon, Idaho 4 $ 1,390,000 $ 347,500 $ 82,000
Rock Island, Illinois 4 $ 480,000 $ 120,000 $ 65,000
Allen, Indiana 4 $ 400,000 $ 100,000 $ 0
Tippecanoe, Indiana 4 $ 880,000 $ 220,000 $ 66,000
Boone, Kentucky 4 $ 630,000 $ 157,500 $ 56,000
Warren, Kentucky 4 $ 990,000 $ 247,500 $ 279,000
Livingston, Louisiana 4 $ 920,000 $ 230,000 $ 99,000
St. Tammany, Louisiana 4 $ 650,000 $ 162,500 $ 49,000
Eaton, Michigan 4 $ 720,000 $ 180,000 $ 80,000
Genesee, Michigan 4 $ 810,000 $ 202,500 $ 140,000
Midland, Michigan 4 $ 380,000 $ 95,000 $ 91,000
Muskegon, Michigan 4 $ 1,850,000 $ 462,500 $ 601,000
Sherburne, Minnesota 4 $ 910,000 $ 227,500 $ 63,000
Camden, Missouri 4 $ 550,000 $ 137,500 $ 37,000
St. Louis, Missouri 4 $ 1,440,000 $ 360,000 $ 393,000
Douglas, Nebraska 4 $ 450,000 $ 112,500 $ 27,000
Lancaster, Nebraska 4 $ 580,000 $ 145,000 $ 94,000
Belknap, New Hampshire 4 $ 1,190,000 $ 297,500 $ 163,000
Bergen, New Jersey 4 $ 1,010,000 $ 252,500 $ 91,000
Erie, New York 4 $ 1,150,000 $ 287,500 $ 75,000
Putnam, New York 4 $ 790,000 $ 197,500 $ 80,000
Buncombe, North Carolina 4 $ 400,000 $ 100,000 $ 53,000
New Hanover, North Carolina 4 $ 960,000 $ 240,000 $ 283,000
Mahoning, Ohio 4 $ 570,000 $ 142,500 $ 119,000
Summit, Ohio 4 $ 390,000 $ 97,500 $ 167,000
Trumbull, Ohio 4 $ 630,000 $ 157,500 $ 82,000
Polk, Oregon 4 $ 1,310,000 $ 327,500 $ 137,000
Bucks, Pennsylvania 4 $ 1,060,000 $ 265,000 $ 75,000
Butler, Pennsylvania 4 $ 1,210,000 $ 302,500 $ 130,000
Lackawanna, Pennsylvania 4 $ 290,000 $ 72,500 $ 60,000
Spartanburg, South Carolina 4 $ 480,000 $ 120,000 $ 50,000
York, South Carolina 4 $ 720,000 $ 180,000 $ 0
Knox, Tennessee 4 $ 980,000 $ 245,000 $ 200,000
Robertson, Tennessee 4 $ 1,000,000 $ 250,000 $ 156,000
Williamson, Tennessee 4 $ 890,000 $ 222,500 $ 0
Brazoria, Texas 4 $ 660,000 $ 165,000 $ 102,000
Ellis, Texas 4 $ 1,040,000 $ 260,000 $ 65,000
Johnson, Texas 4 $ 1,520,000 $ 380,000 $ 153,000
Lubbock, Texas 4 $ 730,000 $ 182,500 $ 65,000
Nueces, Texas 4 $ 530,000 $ 132,500 $ 57,000
Smith, Texas 4 $ 910,000 $ 227,500 $ 388,000
Caroline, Virginia 4 $ 630,000 $ 157,500 $ 91,000
Clarke, Virginia 4 $ 1,270,000 $ 317,500 $ 65,000
Fluvanna, Virginia 4 $ 1,010,000 $ 252,500 $ 120,000
Kitsap, Washington 4 $ 710,000 $ 177,500 $ 92,000
Walla Walla, Washington 4 $ 850,000 $ 212,500 $ 60,000
Walworth, Wisconsin 4 $ 760,000 $ 190,000 $ 78,000
Lee, Alabama 3 $ 385,000 $ 128,333 $ 49,000
Madison, Alabama 3 $ 515,000 $ 171,666 $ 64,000
Mobile, Alabama 3 $ 295,000 $ 98,333 $ 49,000
Montgomery, Alabama 3 $ 215,000 $ 71,666 $ 28,000
Anchorage, Alaska 3 $ 135,000 $ 45,000 $ 0
Matanuska-Susitna, Alaska 3 $ 195,000 $ 65,000 $ 0
Cochise, Arizona 3 $ 465,000 $ 155,000 $ 94,000
Washington, Arkansas 3 $ 405,000 $ 135,000 $ 82,000
Madera, California 3 $ 835,000 $ 278,333 $ 65,000
San Luis Obispo, California 3 $ 745,000 $ 248,333 $ 40,000
Stanislaus, California 3 $ 645,000 $ 215,000 $ 74,000
New London, Connecticut 3 $ 645,000 $ 215,000 $ 39,000
Alachua, Florida 3 $ 645,000 $ 215,000 $ 161,000
Martin, Florida 3 $ 525,000 $ 175,000 $ 87,000
Wakulla, Florida 3 $ 435,000 $ 145,000 $ 0
Walton, Florida 3 $ 735,000 $ 245,000 $ 95,000
Bibb, Georgia 3 $ 535,000 $ 178,333 $ 88,000
Clarke, Georgia 3 $ 475,000 $ 158,333 $ 56,000
Pickens, Georgia 3 $ 675,000 $ 225,000 $ 99,000
Whitfield, Georgia 3 $ 405,000 $ 135,000 $ 74,000
Winnebago, Illinois 3 $ 385,000 $ 128,333 $ 53,000
Clark, Indiana 3 $ 385,000 $ 128,333 $ 61,000
Delaware, Indiana 3 $ 305,000 $ 101,666 $ 78,000
Floyd, Indiana 3 $ 685,000 $ 228,333 $ 168,000
Madison, Indiana 3 $ 325,000 $ 108,333 $ 56,000
Porter, Indiana 3 $ 625,000 $ 208,333 $ 54,000
Polk, Iowa 3 $ 435,000 $ 145,000 $ 61,000
Wyandotte, Kansas 3 $ 415,000 $ 138,333 $ 201,000
St. John the Baptist, Louisiana 3 $ 425,000 $ 141,666 $ 36,000
Tangipahoa, Louisiana 3 $ 695,000 $ 231,666 $ 124,000
Cecil, Maryland 3 $ 545,000 $ 181,666 $ 88,000
St. Mary's, Maryland 3 $ 415,000 $ 138,333 $ 33,000
Worcester, Maryland 3 $ 645,000 $ 215,000 $ 162,000
Hampden, Massachusetts 3 $ 495,000 $ 165,000 $ 58,000
Hampshire, Massachusetts 3 $ 535,000 $ 178,333 $ 106,000
Barry, Michigan 3 $ 645,000 $ 215,000 $ 50,000
Berrien, Michigan 3 $ 275,000 $ 91,666 $ 80,000
Jackson, Michigan 3 $ 255,000 $ 85,000 $ 48,000
Livingston, Michigan 3 $ 1,155,000 $ 385,000 $ 138,000
Ottawa, Michigan 3 $ 4,395,000 $ 1,465,000 $ 109,000
Johnson, Missouri 3 $ 345,000 $ 115,000 $ 78,000
St. Charles, Missouri 3 $ 905,000 $ 301,666 $ 95,000
Hillsborough, New Hampshire 3 $ 1,245,000 $ 415,000 $ 870,000
Merrimack, New Hampshire 3 $ 545,000 $ 181,666 $ 121,000
Cape May, New Jersey 3 $ 215,000 $ 71,666 $ 153,000
Sussex, New Jersey 3 $ 795,000 $ 265,000 $ 122,000
Warren, New Jersey 3 $ 675,000 $ 225,000 $ 92,000
Lea, New Mexico 3 $ 465,000 $ 155,000 $ 63,000
Greene, New York 3 $ 295,000 $ 98,333 $ 211,000
Monroe, New York 3 $ 365,000 $ 121,666 $ 0
Niagara, New York 3 $ 115,000 $ 38,333 $ 0
Oswego, New York 3 $ 115,000 $ 38,333 $ 0
Cabarrus, North Carolina 3 $ 525,000 $ 175,000 $ 23,000
Catawba, North Carolina 3 $ 825,000 $ 275,000 $ 128,000
Forsyth, North Carolina 3 $ 555,000 $ 185,000 $ 0
Franklin, North Carolina 3 $ 625,000 $ 208,333 $ 99,000
Iredell, North Carolina 3 $ 555,000 $ 185,000 $ 143,000
Rockingham, North Carolina 3 $ 225,000 $ 75,000 $ 52,000
Butler, Ohio 3 $ 355,000 $ 118,333 $ 91,000
Lucas, Ohio 3 $ 325,000 $ 108,333 $ 0
Cleveland, Oklahoma 3 $ 715,000 $ 238,333 $ 93,000
Pickens, South Carolina 3 $ 815,000 $ 271,666 $ 453,000
Lawrence, Tennessee 3 $ 725,000 $ 241,666 $ 85,000
Maury, Tennessee 3 $ 1,065,000 $ 355,000 $ 88,000
Sevier, Tennessee 3 $ 525,000 $ 175,000 $ 118,000
Brazos, Texas 3 $ 755,000 $ 251,666 $ 105,000
Burnet, Texas 3 $ 325,000 $ 108,333 $ 38,000
McLennan, Texas 3 $ 215,000 $ 71,666 $ 0
Montague, Texas 3 $ 365,000 $ 121,666 $ 0
San Jacinto, Texas 3 $ 215,000 $ 71,666 $ 39,000
Van Zandt, Texas 3 $ 445,000 $ 148,333 $ 72,000
Waller, Texas 3 $ 385,000 $ 128,333 $ 86,000
Tooele, Utah 3 $ 1,095,000 $ 365,000 $ 78,000
Uintah, Utah 3 $ 395,000 $ 131,666 $ 47,000
Wasatch, Utah 3 $ 905,000 $ 301,666 $ 82,000
Alexandria, Virginia 3 $ 565,000 $ 188,333 $ 104,000
Chesapeake, Virginia 3 $ 785,000 $ 261,666 $ 69,000
Fauquier, Virginia 3 $ 905,000 $ 301,666 $ 131,000
Hampton, Virginia 3 $ 445,000 $ 148,333 $ 60,000
Petersburg, Virginia 3 $ 315,000 $ 105,000 $ 71,000
Portsmouth, Virginia 3 $ 485,000 $ 161,666 $ 35,000
Roanoke, Virginia 3 $ 565,000 $ 188,333 $ 68,000
Douglas, Washington 3 $ 825,000 $ 275,000 $ 76,000
Kittitas, Washington 3 $ 535,000 $ 178,333 $ 269,000
Mason, Washington 3 $ 605,000 $ 201,666 $ 65,000
Pacific, Washington 3 $ 335,000 $ 111,666 $ 65,000
Whatcom, Washington 3 $ 695,000 $ 231,666 $ 66,000
Kanawha, West Virginia 3 $ 285,000 $ 95,000 $ 95,000
Dane, Wisconsin 3 $ 585,000 $ 195,000 $ 98,000
Blount, Alabama 2 $ 280,000 $ 140,000 $ 87,000
Cullman, Alabama 2 $ 90,000 $ 45,000 $ 0
Apache, Arizona 2 $ 190,000 $ 95,000 $ 0
Navajo, Arizona 2 $ 200,000 $ 100,000 $ 77,000
Carroll, Arkansas 2 $ 390,000 $ 195,000 $ 378,000
Garland, Arkansas 2 $ 270,000 $ 135,000 $ 136,000
Saline, Arkansas 2 $ 510,000 $ 255,000 $ 116,000
Butte, California 2 $ 400,000 $ 200,000 $ 0
Lake, California 2 $ 300,000 $ 150,000 $ 0
Marin, California 2 $ 640,000 $ 320,000 $ 0
Mono, California 2 $ 450,000 $ 225,000 $ 165,000
Nevada, California 2 $ 210,000 $ 105,000 $ 0
Placer, California 2 $ 710,000 $ 355,000 $ 120,000
San Francisco, California 2 $ 830,000 $ 415,000 $ 0
Tehama, California 2 $ 330,000 $ 165,000 $ 0
Ventura, California 2 $ 480,000 $ 240,000 $ 80,000
Boulder, Colorado 2 $ 420,000 $ 210,000 $ 49,000
Park, Colorado 2 $ 480,000 $ 240,000 $ 92,000
Pueblo, Colorado 2 $ 500,000 $ 250,000 $ 66,000
Tolland, Connecticut 2 $ 340,000 $ 170,000 $ 69,000
Windham, Connecticut 2 $ 570,000 $ 285,000 $ 87,000
Kent, Delaware 2 $ 620,000 $ 310,000 $ 255,000
Charlotte, Florida 2 $ 310,000 $ 155,000 $ 0
Escambia, Florida 2 $ 770,000 $ 385,000 $ 41,000
Flagler, Florida 2 $ 180,000 $ 90,000 $ 31,000
Gulf, Florida 2 $ 80,000 $ 40,000 $ 0
Monroe, Florida 2 $ 770,000 $ 385,000 $ 205,000
Putnam, Florida 2 $ 210,000 $ 105,000 $ 0
Santa Rosa, Florida 2 $ 240,000 $ 120,000 $ 0
Sumter, Florida 2 $ 320,000 $ 160,000 $ 195,000
Butts, Georgia 2 $ 430,000 $ 215,000 $ 0
Fannin, Georgia 2 $ 600,000 $ 300,000 $ 0
Floyd, Georgia 2 $ 230,000 $ 115,000 $ 35,000
Gordon, Georgia 2 $ 230,000 $ 115,000 $ 50,000
Muscogee, Georgia 2 $ 240,000 $ 120,000 $ 0
Spalding, Georgia 2 $ 380,000 $ 190,000 $ 0
Lemhi, Idaho 2 $ 420,000 $ 210,000 $ 96,000
Shoshone, Idaho 2 $ 200,000 $ 100,000 $ 72,000
DeKalb, Illinois 2 $ 120,000 $ 60,000 $ 59,000
Kendall, Illinois 2 $ 290,000 $ 145,000 $ 53,000
Clinton, Indiana 2 $ 270,000 $ 135,000 $ 51,000
Hancock, Indiana 2 $ 440,000 $ 220,000 $ 76,000
Hendricks, Indiana 2 $ 280,000 $ 140,000 $ 50,000
Jackson, Indiana 2 $ 110,000 $ 55,000 $ 55,000
Johnson, Indiana 2 $ 530,000 $ 265,000 $ 64,000
LaPorte, Indiana 2 $ 1,090,000 $ 545,000 $ 436,000
Morgan, Indiana 2 $ 240,000 $ 120,000 $ 56,000
Daviess, Kentucky 2 $ 70,000 $ 35,000 $ 30,000
Russell, Kentucky 2 $ 290,000 $ 145,000 $ 150,000
Lafayette, Louisiana 2 $ 30,000 $ 15,000 $ 0
St. Landry, Louisiana 2 $ 130,000 $ 65,000 $ 0
Cumberland, Maine 2 $ 340,000 $ 170,000 $ 86,000
Calvert, Maryland 2 $ 730,000 $ 365,000 $ 81,000
Queen Anne's, Maryland 2 $ 690,000 $ 345,000 $ 172,000
Clinton, Michigan 2 $ 310,000 $ 155,000 $ 56,000
Crawford, Michigan 2 $ 160,000 $ 80,000 $ 79,000
Emmet, Michigan 2 $ 470,000 $ 235,000 $ 165,000
Hillsdale, Michigan 2 $ 100,000 $ 50,000 $ 86,000
Ionia, Michigan 2 $ 3,640,000 $ 1,820,000 $ 32,000
Isabella, Michigan 2 $ 240,000 $ 120,000 $ 66,000
Ogemaw, Michigan 2 $ 180,000 $ 90,000 $ 35,000
Saginaw, Michigan 2 $ 470,000 $ 235,000 $ 185,000
St. Clair, Michigan 2 $ 460,000 $ 230,000 $ 0
Forrest, Mississippi 2 $ 170,000 $ 85,000 $ 0
Hinds, Mississippi 2 $ 280,000 $ 140,000 $ 128,000
Jones, Mississippi 2 $ 170,000 $ 85,000 $ 0
Marshall, Mississippi 2 $ 260,000 $ 130,000 $ 80,000
Cole, Missouri 2 $ 220,000 $ 110,000 $ 47,000
Jasper, Missouri 2 $ 550,000 $ 275,000 $ 126,000
Jefferson, Missouri 2 $ 170,000 $ 85,000 $ 65,000
Carbon, Montana 2 $ 450,000 $ 225,000 $ 0
Gallatin, Montana 2 $ 550,000 $ 275,000 $ 83,000
Lewis and Clark, Montana 2 $ 530,000 $ 265,000 $ 42,000
Elko, Nevada 2 $ 860,000 $ 430,000 $ 0
Rockingham, New Hampshire 2 $ 590,000 $ 295,000 $ 77,000
Allegany, New York 2 $ 110,000 $ 55,000 $ 0
Jefferson, New York 2 $ 90,000 $ 45,000 $ 0
Kings, New York 2 $ 1,000,000 $ 500,000 $ 191,000
Onondaga, New York 2 $ 240,000 $ 120,000 $ 65,000
Richmond, New York 2 $ 870,000 $ 435,000 $ 0
Rockland, New York 2 $ 350,000 $ 175,000 $ 81,000
Ulster, New York 2 $ 220,000 $ 110,000 $ 59,000
Alamance, North Carolina 2 $ 160,000 $ 80,000 $ 0
Cherokee, North Carolina 2 $ 210,000 $ 105,000 $ 184,000
Cleveland, North Carolina 2 $ 250,000 $ 125,000 $ 40,000
Columbus, North Carolina 2 $ 360,000 $ 180,000 $ 138,000
Craven, North Carolina 2 $ 190,000 $ 95,000 $ 22,000
Gaston, North Carolina 2 $ 550,000 $ 275,000 $ 159,000
Haywood, North Carolina 2 $ 150,000 $ 75,000 $ 0
Macon, North Carolina 2 $ 130,000 $ 65,000 $ 34,000
Madison, North Carolina 2 $ 290,000 $ 145,000 $ 61,000
Nash, North Carolina 2 $ 320,000 $ 160,000 $ 53,000
Onslow, North Carolina 2 $ 330,000 $ 165,000 $ 301,000
Pender, North Carolina 2 $ 840,000 $ 420,000 $ 196,000
Richmond, North Carolina 2 $ 110,000 $ 55,000 $ 0
Rowan, North Carolina 2 $ 190,000 $ 95,000 $ 79,000
Union, North Carolina 2 $ 760,000 $ 380,000 $ 212,000
Lorain, Ohio 2 $ 250,000 $ 125,000 $ 37,000
Warren, Ohio 2 $ 610,000 $ 305,000 $ 92,000
Douglas, Oregon 2 $ 220,000 $ 110,000 $ 0
Jackson, Oregon 2 $ 350,000 $ 175,000 $ 61,000
Klamath, Oregon 2 $ 510,000 $ 255,000 $ 0
Linn, Oregon 2 $ 590,000 $ 295,000 $ 78,000
Yamhill, Oregon 2 $ 430,000 $ 215,000 $ 72,000
Dauphin, Pennsylvania 2 $ 150,000 $ 75,000 $ 44,000
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Mortgage Loan Application Detail Totals for First National Bank of America in 2021

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 4,740 $1,078,760,000 $227,000 $3,555,000 $100,000 $1,680,000
Cash-out Refinancing 341 $78,275,000 $229,000 $765,000 $91,000 $430,000
Not Applicable 322 $34,570,000 $107,000 $705,000 $0 $0
Refinancing 314 $70,850,000 $225,000 $915,000 $97,000 $1,929,000
Other Purpose 163 $31,045,000 $190,000 $905,000 $99,000 $1,102,000
Home Improvement 50 $7,950,000 $159,000 $1,005,000 $90,000 $393,000

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
Hispanic 2,959 $681,525,000 $230,000 $1,005,000 $91,000 $1,377,000
Not applicable 1,817 $350,975,000 $193,000 $3,555,000 $0 $0
White 491 $113,825,000 $231,000 $1,005,000 $125,000 $1,153,000
Not Provided 458 $103,300,000 $225,000 $1,005,000 $99,000 $1,670,000
Black or African American 125 $30,805,000 $246,000 $655,000 $151,000 $1,929,000
Asian 46 $12,720,000 $276,000 $845,000 $175,000 $1,680,000
American Indian or Alaskan Native 23 $5,435,000 $236,000 $635,000 $109,000 $420,000
Native Hawaiian or Other Pacific Islander 1 $435,000 $435,000 $435,000 $91,000 $91,000

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) 5,930 $1,301,450,000 $219,000 $3,555,000 $99,000 $1,929,000
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 Originated 2,740 $648,730,000 $236,000 $3,555,000 $96,000 $1,929,000
Loan Purchased By The Institution 1,754 $328,340,000 $187,000 $945,000 $0 $0
Application Withdrawn By Applicant 873 $204,925,000 $234,000 $1,005,000 $106,000 $1,680,000
Application Denied By Financial Institution 430 $91,940,000 $213,000 $975,000 $99,000 $1,377,000
File Closed For Incompleteness 104 $20,710,000 $199,000 $805,000 $106,000 $900,000
Application Approved But Not Accepted 29 $6,805,000 $234,000 $625,000 $142,000 $1,670,000
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
Not applicable 5,500 $1,209,510,000 $219,000 $3,555,000 $99,000 $1,929,000
Collateral 163 $33,705,000 $206,000 $975,000 $102,000 $413,000
Credit History 118 $25,200,000 $213,000 $905,000 $103,000 $1,377,000
Debt-To-Income Ratio 48 $11,380,000 $237,000 $625,000 $55,000 $172,000
Unverifiable Information 33 $6,525,000 $197,000 $455,000 $82,000 $307,000
Other 32 $7,450,000 $232,000 $695,000 $148,000 $1,102,000
Insufficient Cash (Downpayment, Closing Cost) 26 $5,690,000 $218,000 $415,000 $101,000 $445,000
Credit Application Incomplete 8 $1,600,000 $200,000 $355,000 $97,000 $176,000
Employment History 2 $390,000 $195,000 $305,000 $128,000 $214,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2021 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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