First National Bank of America Mortgage Lending & HMDA Data, 2022

In 2022, First National Bank of America of East Lansing, MI reported 8,776 mortgage applications totaling $2.3 billion, up 48% from 2021. The average application was for $258,891, and applicants reported an average income of $117,180. 41% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (560), Houston-The Woodlands-Sugar Land, TX (402) and Washington-Arlington-Alexandria, DC-VA-MD-WV (348) (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 8,776
Total Mortgage Loan Application Amount $2,272,030,000
Average Mortgage Loan Application Amount $258,891
Highest Mortgage Loan Application Amount $9,335,000
Average Applicant Income $117,180
Highest Applicant Income $8,456,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 292 $ 58,050,000 $ 198,801 $ 111,000
Fairfield, Connecticut 234 $ 70,140,000 $ 299,743 $ 121,000
Cook, Illinois 212 $ 40,090,000 $ 189,103 $ 76,000
Gwinnett, Georgia 206 $ 56,170,000 $ 272,669 $ 118,000
Maricopa, Arizona 186 $ 47,920,000 $ 257,634 $ 231,000
Prince George's, Maryland 155 $ 42,515,000 $ 274,290 $ 116,000
Clark, Nevada 143 $ 37,465,000 $ 261,993 $ 100,000
New Haven, Connecticut 138 $ 27,690,000 $ 200,652 $ 86,000
Montgomery, Maryland 93 $ 28,905,000 $ 310,806 $ 116,000
Cobb, Georgia 82 $ 21,490,000 $ 262,073 $ 107,000
Suffolk, New York 79 $ 29,575,000 $ 374,367 $ 144,000
Middlesex, Massachusetts 77 $ 28,465,000 $ 369,675 $ 153,000
Worcester, Massachusetts 77 $ 24,885,000 $ 323,181 $ 124,000
Baltimore, Maryland 76 $ 15,660,000 $ 206,052 $ 82,000
Marion, Indiana 75 $ 11,415,000 $ 152,200 $ 82,000
Los Angeles, California 72 $ 30,260,000 $ 420,277 $ 242,000
Lake, Illinois 71 $ 12,575,000 $ 177,112 $ 97,000
King, Washington 68 $ 30,220,000 $ 444,411 $ 189,000
Palm Beach, Florida 64 $ 18,810,000 $ 293,906 $ 133,000
Dallas, Texas 63 $ 13,645,000 $ 216,587 $ 112,000
DeKalb, Georgia 61 $ 13,985,000 $ 229,262 $ 98,000
Broward, Florida 60 $ 13,400,000 $ 223,333 $ 117,000
Snohomish, Washington 60 $ 25,560,000 $ 426,000 $ 220,000
Riverside, California 56 $ 19,490,000 $ 348,035 $ 126,000
Miami-Dade, Florida 54 $ 16,480,000 $ 305,185 $ 496,000
Orange, Florida 53 $ 19,665,000 $ 371,037 $ 152,000
San Bernardino, California 51 $ 15,685,000 $ 307,549 $ 109,000
Hartford, Connecticut 51 $ 8,965,000 $ 175,784 $ 71,000
Pierce, Washington 50 $ 16,250,000 $ 325,000 $ 112,000
Bexar, Texas 49 $ 9,095,000 $ 185,612 $ 101,000
Hillsborough, Florida 48 $ 11,990,000 $ 249,791 $ 97,000
Fort Bend, Texas 48 $ 12,180,000 $ 253,750 $ 139,000
Anne Arundel, Maryland 47 $ 14,885,000 $ 316,702 $ 147,000
New Castle, Delaware 46 $ 9,070,000 $ 197,173 $ 82,000
Jefferson, Louisiana 44 $ 8,490,000 $ 192,954 $ 70,000
Franklin, Ohio 43 $ 7,835,000 $ 182,209 $ 88,000
Will, Illinois 42 $ 8,950,000 $ 213,095 $ 79,000
Baltimore City, Maryland 42 $ 5,750,000 $ 136,904 $ 71,000
Chesterfield, Virginia 42 $ 9,040,000 $ 215,238 $ 72,000
DuPage, Illinois 41 $ 8,435,000 $ 205,731 $ 74,000
Essex, Massachusetts 41 $ 18,125,000 $ 442,073 $ 177,000
Polk, Florida 40 $ 8,510,000 $ 212,750 $ 108,000
Jefferson, Kentucky 38 $ 5,630,000 $ 148,157 $ 70,000
Fairfax, Virginia 38 $ 16,200,000 $ 426,315 $ 136,000
Prince William, Virginia 38 $ 13,100,000 $ 344,736 $ 124,000
Kern, California 37 $ 8,765,000 $ 236,891 $ 102,000
Tarrant, Texas 37 $ 8,585,000 $ 232,027 $ 182,000
San Diego, California 36 $ 17,770,000 $ 493,611 $ 178,000
Kane, Illinois 36 $ 6,250,000 $ 173,611 $ 65,000
Hennepin, Minnesota 36 $ 8,980,000 $ 249,444 $ 86,000
Jefferson, Alabama 35 $ 5,535,000 $ 158,142 $ 75,000
Shelby, Alabama 35 $ 7,215,000 $ 206,142 $ 81,000
Ocean, New Jersey 35 $ 9,785,000 $ 279,571 $ 132,000
Duval, Florida 34 $ 6,800,000 $ 200,000 $ 108,000
Lee, Florida 33 $ 7,455,000 $ 225,909 $ 108,000
Fulton, Georgia 33 $ 8,075,000 $ 244,696 $ 85,000
Montgomery, Texas 33 $ 7,805,000 $ 236,515 $ 125,000
Salt Lake, Utah 33 $ 9,675,000 $ 293,181 $ 83,000
Orange, California 32 $ 16,320,000 $ 510,000 $ 135,000
San Joaquin, California 32 $ 10,940,000 $ 341,875 $ 100,000
Manatee, Florida 32 $ 7,700,000 $ 240,625 $ 103,000
Barnstable, Massachusetts 31 $ 11,035,000 $ 355,967 $ 149,000
Burlington, New Jersey 31 $ 9,545,000 $ 307,903 $ 118,000
Nassau, New York 31 $ 12,015,000 $ 387,580 $ 158,000
Beaufort, South Carolina 30 $ 8,160,000 $ 272,000 $ 186,000
Arapahoe, Colorado 29 $ 10,155,000 $ 350,172 $ 138,000
Osceola, Florida 29 $ 8,345,000 $ 287,758 $ 221,000
Essex, New Jersey 29 $ 9,505,000 $ 327,758 $ 127,000
Union, New Jersey 29 $ 9,335,000 $ 321,896 $ 139,000
Berkeley, South Carolina 29 $ 7,455,000 $ 257,068 $ 159,000
Contra Costa, California 28 $ 13,040,000 $ 465,714 $ 148,000
Bergen, New Jersey 28 $ 10,850,000 $ 387,500 $ 206,000
Mecklenburg, North Carolina 28 $ 7,160,000 $ 255,714 $ 108,000
Philadelphia, Pennsylvania 27 $ 5,515,000 $ 204,259 $ 87,000
Travis, Texas 27 $ 9,165,000 $ 339,444 $ 137,000
Utah, Utah 27 $ 9,395,000 $ 347,962 $ 167,000
Montgomery, Pennsylvania 26 $ 6,340,000 $ 243,846 $ 86,000
Stanislaus, California 25 $ 8,705,000 $ 348,200 $ 109,000
St. Lucie, Florida 25 $ 6,575,000 $ 263,000 $ 93,000
Bristol, Massachusetts 25 $ 7,915,000 $ 316,600 $ 122,000
Plymouth, Massachusetts 25 $ 8,445,000 $ 337,800 $ 134,000
Oakland, Michigan 25 $ 5,775,000 $ 231,000 $ 110,000
Westchester, New York 25 $ 9,885,000 $ 395,400 $ 142,000
Denton, Texas 25 $ 8,155,000 $ 326,200 $ 165,000
Adams, Colorado 24 $ 8,990,000 $ 374,583 $ 139,000
Fayette, Kentucky 24 $ 4,340,000 $ 180,833 $ 92,000
Camden, New Jersey 24 $ 4,790,000 $ 199,583 $ 73,000
Davidson, Tennessee 24 $ 7,550,000 $ 314,583 $ 119,000
McHenry, Illinois 23 $ 4,015,000 $ 174,565 $ 64,000
Monmouth, New Jersey 23 $ 8,285,000 $ 360,217 $ 155,000
Williamson, Texas 23 $ 7,245,000 $ 315,000 $ 146,000
Fresno, California 22 $ 6,140,000 $ 279,090 $ 110,000
Cherokee, Georgia 22 $ 6,190,000 $ 281,363 $ 113,000
Frederick, Maryland 22 $ 6,310,000 $ 286,818 $ 97,000
Atlantic, New Jersey 22 $ 4,070,000 $ 185,000 $ 156,000
Cumberland, New Jersey 22 $ 3,080,000 $ 140,000 $ 61,000
Dorchester, South Carolina 22 $ 4,960,000 $ 225,454 $ 123,000
Henrico, Virginia 22 $ 5,400,000 $ 245,454 $ 97,000
Clark, Washington 22 $ 7,840,000 $ 356,363 $ 167,000
Sacramento, California 21 $ 6,655,000 $ 316,904 $ 100,000
Pinellas, Florida 21 $ 4,215,000 $ 200,714 $ 108,000
Sarasota, Florida 21 $ 5,795,000 $ 275,952 $ 143,000
Hall, Georgia 21 $ 4,535,000 $ 215,952 $ 87,000
Butler, Ohio 21 $ 4,035,000 $ 192,142 $ 131,000
Delaware, Pennsylvania 21 $ 3,825,000 $ 182,142 $ 79,000
Shelby, Tennessee 21 $ 3,855,000 $ 183,571 $ 57,000
Collin, Texas 21 $ 5,575,000 $ 265,476 $ 125,000
Alameda, California 20 $ 11,100,000 $ 555,000 $ 145,000
Howard, Maryland 20 $ 7,100,000 $ 355,000 $ 159,000
Kent, Michigan 20 $ 3,180,000 $ 159,000 $ 61,000
Mercer, New Jersey 20 $ 6,100,000 $ 305,000 $ 155,000
Richmond City, Virginia 20 $ 3,570,000 $ 178,500 $ 70,000
Santa Clara, California 19 $ 10,695,000 $ 562,894 $ 197,000
Clayton, Georgia 19 $ 3,285,000 $ 172,894 $ 77,000
Ingham, Michigan 19 $ 12,045,000 $ 633,947 $ 85,000
Pasco, Florida 18 $ 4,020,000 $ 223,333 $ 95,000
Henry, Georgia 18 $ 4,850,000 $ 269,444 $ 103,000
Charles, Maryland 18 $ 4,780,000 $ 265,555 $ 77,000
Wake, North Carolina 18 $ 5,310,000 $ 295,000 $ 142,000
Bucks, Pennsylvania 18 $ 5,070,000 $ 281,666 $ 81,000
Loudoun, Virginia 18 $ 6,590,000 $ 366,111 $ 98,000
Douglas, Georgia 17 $ 3,835,000 $ 225,588 $ 74,000
Forsyth, Georgia 17 $ 5,965,000 $ 350,882 $ 251,000
Norfolk, Massachusetts 17 $ 6,525,000 $ 383,823 $ 129,000
Jackson, Missouri 17 $ 2,245,000 $ 132,058 $ 107,000
Washoe, Nevada 17 $ 3,755,000 $ 220,882 $ 69,000
Pima, Arizona 16 $ 2,750,000 $ 171,875 $ 74,000
Tulare, California 16 $ 3,960,000 $ 247,500 $ 81,000
Barrow, Georgia 16 $ 4,170,000 $ 260,625 $ 123,000
Hamilton, Indiana 16 $ 3,730,000 $ 233,125 $ 123,000
Hamilton, Ohio 16 $ 2,310,000 $ 144,375 $ 56,000
Baldwin, Alabama 15 $ 4,635,000 $ 309,000 $ 81,000
Solano, California 15 $ 5,655,000 $ 377,000 $ 148,000
Litchfield, Connecticut 15 $ 3,815,000 $ 254,333 $ 130,000
Collier, Florida 15 $ 5,445,000 $ 363,000 $ 122,000
Lake, Florida 15 $ 4,785,000 $ 319,000 $ 208,000
Marion, Florida 15 $ 1,795,000 $ 119,666 $ 100,000
Marion, Oregon 15 $ 5,415,000 $ 361,000 $ 109,000
Washington, Oregon 15 $ 5,695,000 $ 379,666 $ 155,000
Horry, South Carolina 15 $ 2,915,000 $ 194,333 $ 84,000
Hays, Texas 15 $ 4,075,000 $ 271,666 $ 96,000
Norfolk, Virginia 15 $ 2,975,000 $ 198,333 $ 92,000
Stafford, Virginia 15 $ 4,875,000 $ 325,000 $ 165,000
Pinal, Arizona 14 $ 2,840,000 $ 202,857 $ 89,000
Denver, Colorado 14 $ 4,190,000 $ 299,285 $ 153,000
Sussex, Delaware 14 $ 4,480,000 $ 320,000 $ 96,000
Carroll, Maryland 14 $ 4,320,000 $ 308,571 $ 105,000
Washington, Maryland 14 $ 2,610,000 $ 186,428 $ 88,000
Anoka, Minnesota 14 $ 3,650,000 $ 260,714 $ 106,000
Morris, New Jersey 14 $ 5,180,000 $ 370,000 $ 118,000
Johnston, North Carolina 14 $ 2,790,000 $ 199,285 $ 126,000
Multnomah, Oregon 14 $ 4,620,000 $ 330,000 $ 90,000
Bastrop, Texas 14 $ 4,030,000 $ 287,857 $ 106,000
El Paso, Colorado 13 $ 3,655,000 $ 281,153 $ 82,000
Middlesex, New Jersey 13 $ 3,785,000 $ 291,153 $ 124,000
Passaic, New Jersey 13 $ 4,715,000 $ 362,692 $ 98,000
Orange, New York 13 $ 3,695,000 $ 284,230 $ 112,000
Queens, New York 13 $ 6,435,000 $ 495,000 $ 154,000
Durham, North Carolina 13 $ 3,085,000 $ 237,307 $ 105,000
Jasper, South Carolina 13 $ 3,005,000 $ 231,153 $ 130,000
Roanoke City, Virginia 13 $ 1,735,000 $ 133,461 $ 80,000
Virginia Beach, Virginia 13 $ 3,045,000 $ 234,230 $ 163,000
Yakima, Washington 13 $ 2,505,000 $ 192,692 $ 64,000
Ventura, California 12 $ 5,210,000 $ 434,166 $ 145,000
Weld, Colorado 12 $ 4,000,000 $ 333,333 $ 143,000
Suffolk, Massachusetts 12 $ 4,870,000 $ 405,833 $ 110,000
Charleston, South Carolina 12 $ 2,990,000 $ 249,166 $ 102,000
Rutherford, Tennessee 12 $ 2,850,000 $ 237,500 $ 125,000
Hidalgo, Texas 12 $ 2,030,000 $ 169,166 $ 240,000
Merced, California 11 $ 3,355,000 $ 305,000 $ 116,000
Middlesex, Connecticut 11 $ 2,415,000 $ 219,545 $ 100,000
Bay, Florida 11 $ 2,575,000 $ 234,090 $ 265,000
Rockdale, Georgia 11 $ 2,505,000 $ 227,727 $ 120,000
Macomb, Michigan 11 $ 2,015,000 $ 183,181 $ 30,000
Wayne, Michigan 11 $ 1,595,000 $ 145,000 $ 77,000
Gloucester, New Jersey 11 $ 1,945,000 $ 176,818 $ 74,000
Putnam, New York 11 $ 3,145,000 $ 285,909 $ 128,000
Allegheny, Pennsylvania 11 $ 2,195,000 $ 199,545 $ 102,000
Greenville, South Carolina 11 $ 2,145,000 $ 195,000 $ 61,000
Davis, Utah 11 $ 3,405,000 $ 309,545 $ 126,000
Spotsylvania, Virginia 11 $ 2,945,000 $ 267,727 $ 74,000
Kitsap, Washington 11 $ 3,325,000 $ 302,272 $ 121,000
Brevard, Florida 10 $ 1,900,000 $ 190,000 $ 61,000
St. Johns, Florida 10 $ 3,150,000 $ 315,000 $ 218,000
Volusia, Florida 10 $ 1,860,000 $ 186,000 $ 66,000
Walton, Florida 10 $ 1,990,000 $ 199,000 $ 78,000
Walton, Georgia 10 $ 2,860,000 $ 286,000 $ 68,000
Lake, Indiana 10 $ 1,520,000 $ 152,000 $ 65,000
Hillsborough, New Hampshire 10 $ 2,470,000 $ 247,000 $ 219,000
Dutchess, New York 10 $ 2,780,000 $ 278,000 $ 118,000
Cuyahoga, Ohio 10 $ 1,400,000 $ 140,000 $ 71,000
Chester, Pennsylvania 10 $ 2,730,000 $ 273,000 $ 72,000
Richland, South Carolina 10 $ 1,870,000 $ 187,000 $ 78,000
Hamilton, Tennessee 10 $ 1,960,000 $ 196,000 $ 73,000
Bell, Texas 10 $ 1,670,000 $ 167,000 $ 96,000
Galveston, Texas 10 $ 2,950,000 $ 295,000 $ 0
Hunt, Texas 10 $ 2,070,000 $ 207,000 $ 86,000
Yavapai, Arizona 9 $ 1,445,000 $ 160,555 $ 90,000
Sonoma, California 9 $ 3,455,000 $ 383,888 $ 135,000
Kent, Delaware 9 $ 2,505,000 $ 278,333 $ 148,000
District of Columbia, District Of Columbia 9 $ 2,605,000 $ 289,444 $ 94,000
Monroe, Florida 9 $ 3,735,000 $ 415,000 $ 198,000
Chatham, Georgia 9 $ 1,795,000 $ 199,444 $ 108,000
Paulding, Georgia 9 $ 2,125,000 $ 236,111 $ 79,000
DeKalb, Illinois 9 $ 1,455,000 $ 161,666 $ 61,000
Kendall, Illinois 9 $ 1,795,000 $ 199,444 $ 98,000
Johnson, Kansas 9 $ 2,415,000 $ 268,333 $ 119,000
Harford, Maryland 9 $ 2,425,000 $ 269,444 $ 152,000
Kalamazoo, Michigan 9 $ 11,485,000 $ 1,276,111 $ 49,000
Douglas, Nebraska 9 $ 1,585,000 $ 176,111 $ 65,000
Rockland, New York 9 $ 3,055,000 $ 339,444 $ 121,000
Brunswick, North Carolina 9 $ 1,915,000 $ 212,777 $ 115,000
Clackamas, Oregon 9 $ 4,855,000 $ 539,444 $ 152,000
Lexington, South Carolina 9 $ 1,955,000 $ 217,222 $ 314,000
Montgomery, Tennessee 9 $ 2,115,000 $ 235,000 $ 75,000
Kaufman, Texas 9 $ 2,255,000 $ 250,555 $ 215,000
Chesapeake, Virginia 9 $ 2,225,000 $ 247,222 $ 98,000
Manassas, Virginia 9 $ 2,945,000 $ 327,222 $ 105,000
Cochise, Arizona 8 $ 1,020,000 $ 127,500 $ 71,000
Yuma, Arizona 8 $ 1,750,000 $ 218,750 $ 108,000
Placer, California 8 $ 2,450,000 $ 306,250 $ 203,000
Citrus, Florida 8 $ 1,700,000 $ 212,500 $ 191,000
Escambia, Florida 8 $ 1,650,000 $ 206,250 $ 83,000
Okaloosa, Florida 8 $ 2,210,000 $ 276,250 $ 83,000
Seminole, Florida 8 $ 2,160,000 $ 270,000 $ 111,000
Coweta, Georgia 8 $ 1,990,000 $ 248,750 $ 108,000
Fayette, Georgia 8 $ 1,910,000 $ 238,750 $ 86,000
Winnebago, Illinois 8 $ 900,000 $ 112,500 $ 77,000
Allen, Indiana 8 $ 1,190,000 $ 148,750 $ 45,000
Hampden, Massachusetts 8 $ 2,010,000 $ 251,250 $ 127,000
Cape May, New Jersey 8 $ 2,700,000 $ 337,500 $ 111,000
Hudson, New Jersey 8 $ 2,530,000 $ 316,250 $ 151,000
Sussex, New Jersey 8 $ 1,690,000 $ 211,250 $ 113,000
Bernalillo, New Mexico 8 $ 1,610,000 $ 201,250 $ 73,000
Union, North Carolina 8 $ 2,070,000 $ 258,750 $ 107,000
Montgomery, Ohio 8 $ 1,180,000 $ 147,500 $ 109,000
Summit, Ohio 8 $ 1,530,000 $ 191,250 $ 89,000
Lackawanna, Pennsylvania 8 $ 930,000 $ 116,250 $ 89,000
Brazoria, Texas 8 $ 1,620,000 $ 202,500 $ 110,000
Cameron, Texas 8 $ 1,320,000 $ 165,000 $ 115,000
Weber, Utah 8 $ 2,130,000 $ 266,250 $ 0
Fauquier, Virginia 8 $ 2,710,000 $ 338,750 $ 97,000
Benton, Washington 8 $ 2,210,000 $ 276,250 $ 67,000
Grant, Washington 8 $ 1,290,000 $ 161,250 $ 61,000
Madison, Alabama 7 $ 1,395,000 $ 199,285 $ 68,000
Jefferson, Colorado 7 $ 2,625,000 $ 375,000 $ 114,000
Larimer, Colorado 7 $ 2,175,000 $ 310,714 $ 115,000
New London, Connecticut 7 $ 1,885,000 $ 269,285 $ 215,000
Spalding, Georgia 7 $ 1,255,000 $ 179,285 $ 120,000
Hendricks, Indiana 7 $ 1,465,000 $ 209,285 $ 68,000
Orleans, Louisiana 7 $ 1,525,000 $ 217,857 $ 86,000
Cecil, Maryland 7 $ 1,565,000 $ 223,571 $ 87,000
Genesee, Michigan 7 $ 765,000 $ 109,285 $ 29,000
DeSoto, Mississippi 7 $ 1,855,000 $ 265,000 $ 573,000
St. Louis, Missouri 7 $ 1,195,000 $ 170,714 $ 75,000
Brazos, Texas 7 $ 1,105,000 $ 157,857 $ 72,000
Johnson, Texas 7 $ 1,555,000 $ 222,142 $ 79,000
Liberty, Texas 7 $ 1,165,000 $ 166,428 $ 125,000
Thurston, Washington 7 $ 2,315,000 $ 330,714 $ 135,000
Milwaukee, Wisconsin 7 $ 865,000 $ 123,571 $ 42,000
Mohave, Arizona 6 $ 1,270,000 $ 211,666 $ 94,000
Benton, Arkansas 6 $ 1,400,000 $ 233,333 $ 224,000
El Dorado, California 6 $ 2,310,000 $ 385,000 $ 100,000
Douglas, Colorado 6 $ 3,370,000 $ 561,666 $ 149,000
Tolland, Connecticut 6 $ 1,170,000 $ 195,000 $ 128,000
Hernando, Florida 6 $ 860,000 $ 143,333 $ 138,000
Newton, Georgia 6 $ 1,550,000 $ 258,333 $ 147,000
Ada, Idaho 6 $ 1,850,000 $ 308,333 $ 185,000
Boone, Indiana 6 $ 2,060,000 $ 343,333 $ 100,000
Johnson, Indiana 6 $ 840,000 $ 140,000 $ 36,000
Wyandotte, Kansas 6 $ 1,010,000 $ 168,333 $ 127,000
Kenton, Kentucky 6 $ 770,000 $ 128,333 $ 77,000
Ascension, Louisiana 6 $ 1,140,000 $ 190,000 $ 55,000
Lafayette, Louisiana 6 $ 520,000 $ 86,666 $ 110,000
Livingston, Louisiana 6 $ 920,000 $ 153,333 $ 74,000
St. Tammany, Louisiana 6 $ 1,480,000 $ 246,666 $ 126,000
Penobscot, Maine 6 $ 650,000 $ 108,333 $ 68,000
St. Mary's, Maryland 6 $ 1,670,000 $ 278,333 $ 128,000
Dakota, Minnesota 6 $ 1,520,000 $ 253,333 $ 96,000
Greene, Missouri 6 $ 1,010,000 $ 168,333 $ 62,000
Santa Fe, New Mexico 6 $ 1,080,000 $ 180,000 $ 56,000
Monroe, New York 6 $ 850,000 $ 141,666 $ 0
Richmond, New York 6 $ 2,760,000 $ 460,000 $ 159,000
Schenectady, New York 6 $ 1,110,000 $ 185,000 $ 97,000
Cumberland, North Carolina 6 $ 630,000 $ 105,000 $ 0
Henderson, North Carolina 6 $ 1,700,000 $ 283,333 $ 510,000
Jackson, Oregon 6 $ 1,640,000 $ 273,333 $ 47,000
Lehigh, Pennsylvania 6 $ 1,390,000 $ 231,666 $ 64,000
Spartanburg, South Carolina 6 $ 1,140,000 $ 190,000 $ 97,000
Culpeper, Virginia 6 $ 1,420,000 $ 236,666 $ 87,000
Hanover, Virginia 6 $ 1,820,000 $ 303,333 $ 100,000
Newport News, Virginia 6 $ 960,000 $ 160,000 $ 45,000
Chelan, Washington 6 $ 1,820,000 $ 303,333 $ 83,000
Clallam, Washington 6 $ 2,200,000 $ 366,666 $ 163,000
Whatcom, Washington 6 $ 1,940,000 $ 323,333 $ 88,000
Matanuska-Susitna, Alaska 5 $ 435,000 $ 87,000 $ 0
Mono, California 5 $ 1,665,000 $ 333,000 $ 0
San Luis Obispo, California 5 $ 2,235,000 $ 447,000 $ 189,000
Charlotte, Florida 5 $ 1,085,000 $ 217,000 $ 277,000
Dougherty, Georgia 5 $ 435,000 $ 87,000 $ 125,000
Effingham, Georgia 5 $ 945,000 $ 189,000 $ 81,000
Hawaii, Hawaii 5 $ 2,035,000 $ 407,000 $ 266,000
Canyon, Idaho 5 $ 1,895,000 $ 379,000 $ 309,000
Elkhart, Indiana 5 $ 735,000 $ 147,000 $ 70,000
Kosciusko, Indiana 5 $ 755,000 $ 151,000 $ 54,000
Sedgwick, Kansas 5 $ 625,000 $ 125,000 $ 46,000
East Baton Rouge, Louisiana 5 $ 1,335,000 $ 267,000 $ 77,000
Cumberland, Maine 5 $ 1,215,000 $ 243,000 $ 112,000
York, Maine 5 $ 1,625,000 $ 325,000 $ 0
Calhoun, Michigan 5 $ 915,000 $ 183,000 $ 123,000
Eaton, Michigan 5 $ 1,375,000 $ 275,000 $ 50,000
Jackson, Michigan 5 $ 835,000 $ 167,000 $ 74,000
Muskegon, Michigan 5 $ 1,065,000 $ 213,000 $ 41,000
Harrison, Mississippi 5 $ 965,000 $ 193,000 $ 154,000
Clay, Missouri 5 $ 1,225,000 $ 245,000 $ 183,000
St. Louis City, Missouri 5 $ 395,000 $ 79,000 $ 109,000
Somerset, New Jersey 5 $ 1,835,000 $ 367,000 $ 183,000
Warren, New Jersey 5 $ 1,055,000 $ 211,000 $ 149,000
New York, New York 5 $ 3,085,000 $ 617,000 $ 167,000
Buncombe, North Carolina 5 $ 1,555,000 $ 311,000 $ 101,000
Harnett, North Carolina 5 $ 965,000 $ 193,000 $ 101,000
Iredell, North Carolina 5 $ 1,145,000 $ 229,000 $ 38,000
Yamhill, Oregon 5 $ 1,675,000 $ 335,000 $ 166,000
Lancaster, Pennsylvania 5 $ 745,000 $ 149,000 $ 136,000
Northampton, Pennsylvania 5 $ 1,335,000 $ 267,000 $ 302,000
Wilson, Tennessee 5 $ 1,885,000 $ 377,000 $ 198,000
Ector, Texas 5 $ 985,000 $ 197,000 $ 66,000
Ellis, Texas 5 $ 1,515,000 $ 303,000 $ 116,000
Jefferson, Texas 5 $ 595,000 $ 119,000 $ 0
Midland, Texas 5 $ 1,325,000 $ 265,000 $ 123,000
Tooele, Utah 5 $ 1,375,000 $ 275,000 $ 86,000
Arlington, Virginia 5 $ 2,025,000 $ 405,000 $ 134,000
Frederick, Virginia 5 $ 2,125,000 $ 425,000 $ 195,000
Orange, Virginia 5 $ 1,155,000 $ 231,000 $ 84,000
Franklin, Washington 5 $ 1,095,000 $ 219,000 $ 98,000
Spokane, Washington 5 $ 1,855,000 $ 371,000 $ 0
Mobile, Alabama 4 $ 360,000 $ 90,000 $ 0
Gila, Arizona 4 $ 520,000 $ 130,000 $ 91,000
Madera, California 4 $ 1,090,000 $ 272,500 $ 108,000
Monterey, California 4 $ 1,700,000 $ 425,000 $ 109,000
Sutter, California 4 $ 980,000 $ 245,000 $ 151,000
Tehama, California 4 $ 1,110,000 $ 277,500 $ 238,000
Clay, Florida 4 $ 1,320,000 $ 330,000 $ 109,000
Flagler, Florida 4 $ 1,180,000 $ 295,000 $ 96,000
Hendry, Florida 4 $ 550,000 $ 137,500 $ 122,000
Putnam, Florida 4 $ 320,000 $ 80,000 $ 79,000
Bartow, Georgia 4 $ 790,000 $ 197,500 $ 146,000
Floyd, Georgia 4 $ 500,000 $ 125,000 $ 0
Jackson, Georgia 4 $ 860,000 $ 215,000 $ 98,000
Liberty, Georgia 4 $ 500,000 $ 125,000 $ 87,000
Whitfield, Georgia 4 $ 590,000 $ 147,500 $ 58,000
Honolulu, Hawaii 4 $ 1,610,000 $ 402,500 $ 88,000
Boone, Illinois 4 $ 920,000 $ 230,000 $ 108,000
Hancock, Indiana 4 $ 970,000 $ 242,500 $ 86,000
Tippecanoe, Indiana 4 $ 800,000 $ 200,000 $ 83,000
Polk, Iowa 4 $ 570,000 $ 142,500 $ 76,000
Washington, Maine 4 $ 330,000 $ 82,500 $ 51,000
Caroline, Maryland 4 $ 720,000 $ 180,000 $ 99,000
Talbot, Maryland 4 $ 910,000 $ 227,500 $ 51,000
Barry, Michigan 4 $ 790,000 $ 197,500 $ 82,000
Isabella, Michigan 4 $ 740,000 $ 185,000 $ 71,000
Washington, Minnesota 4 $ 1,130,000 $ 282,500 $ 92,000
Wright, Minnesota 4 $ 690,000 $ 172,500 $ 69,000
Miller, Missouri 4 $ 530,000 $ 132,500 $ 69,000
Yellowstone, Montana 4 $ 550,000 $ 137,500 $ 64,000
Lancaster, Nebraska 4 $ 620,000 $ 155,000 $ 65,000
Nye, Nevada 4 $ 810,000 $ 202,500 $ 189,000
Rockingham, New Hampshire 4 $ 1,240,000 $ 310,000 $ 6,000
Salem, New Jersey 4 $ 1,020,000 $ 255,000 $ 111,000
Erie, New York 4 $ 430,000 $ 107,500 $ 0
Cleveland, North Carolina 4 $ 510,000 $ 127,500 $ 73,000
Forsyth, North Carolina 4 $ 710,000 $ 177,500 $ 62,000
Gaston, North Carolina 4 $ 780,000 $ 195,000 $ 130,000
New Hanover, North Carolina 4 $ 440,000 $ 110,000 $ 0
Rowan, North Carolina 4 $ 890,000 $ 222,500 $ 128,000
Lorain, Ohio 4 $ 520,000 $ 130,000 $ 0
Shelby, Ohio 4 $ 480,000 $ 120,000 $ 79,000
Oklahoma, Oklahoma 4 $ 530,000 $ 132,500 $ 140,000
Deschutes, Oregon 4 $ 950,000 $ 237,500 $ 0
Lane, Oregon 4 $ 1,510,000 $ 377,500 $ 60,000
Linn, Oregon 4 $ 860,000 $ 215,000 $ 76,000
Umatilla, Oregon 4 $ 950,000 $ 237,500 $ 55,000
Beaver, Pennsylvania 4 $ 650,000 $ 162,500 $ 85,000
Berks, Pennsylvania 4 $ 940,000 $ 235,000 $ 142,000
Lebanon, Pennsylvania 4 $ 730,000 $ 182,500 $ 6,000
Providence, Rhode Island 4 $ 930,000 $ 232,500 $ 247,000
Pickens, South Carolina 4 $ 470,000 $ 117,500 $ 119,000
Dickson, Tennessee 4 $ 1,340,000 $ 335,000 $ 115,000
Jefferson, Tennessee 4 $ 1,590,000 $ 397,500 $ 125,000
Sumner, Tennessee 4 $ 1,330,000 $ 332,500 $ 60,000
Caldwell, Texas 4 $ 760,000 $ 190,000 $ 89,000
Grayson, Texas 4 $ 850,000 $ 212,500 $ 65,000
Matagorda, Texas 4 $ 790,000 $ 197,500 $ 144,000
Nueces, Texas 4 $ 620,000 $ 155,000 $ 105,000
Rockwall, Texas 4 $ 1,500,000 $ 375,000 $ 75,000
Wichita, Texas 4 $ 370,000 $ 92,500 $ 71,000
Alexandria, Virginia 4 $ 1,050,000 $ 262,500 $ 71,000
Roanoke, Virginia 4 $ 990,000 $ 247,500 $ 118,000
Adams, Washington 4 $ 830,000 $ 207,500 $ 61,000
Cowlitz, Washington 4 $ 670,000 $ 167,500 $ 103,000
Skagit, Washington 4 $ 1,290,000 $ 322,500 $ 170,000
Walla Walla, Washington 4 $ 600,000 $ 150,000 $ 66,000
Kenosha, Wisconsin 4 $ 710,000 $ 177,500 $ 80,000
Autauga, Alabama 3 $ 625,000 $ 208,333 $ 101,000
Chilton, Alabama 3 $ 915,000 $ 305,000 $ 100,000
Lee, Alabama 3 $ 535,000 $ 178,333 $ 61,000
Limestone, Alabama 3 $ 545,000 $ 181,666 $ 80,000
Tuscaloosa, Alabama 3 $ 585,000 $ 195,000 $ 583,000
Apache, Arizona 3 $ 205,000 $ 68,333 $ 110,000
Garland, Arkansas 3 $ 515,000 $ 171,666 $ 53,000
Washington, Arkansas 3 $ 695,000 $ 231,666 $ 134,000
Amador, California 3 $ 1,295,000 $ 431,666 $ 0
Calaveras, California 3 $ 785,000 $ 261,666 $ 97,000
Marin, California 3 $ 1,925,000 $ 641,666 $ 220,000
San Francisco, California 3 $ 1,815,000 $ 605,000 $ 0
San Mateo, California 3 $ 1,905,000 $ 635,000 $ 148,000
Shasta, California 3 $ 475,000 $ 158,333 $ 0
Yolo, California 3 $ 1,355,000 $ 451,666 $ 0
Highlands, Florida 3 $ 355,000 $ 118,333 $ 0
Suwannee, Florida 3 $ 185,000 $ 61,666 $ 0
Richmond, Georgia 3 $ 265,000 $ 88,333 $ 86,000
Madison, Illinois 3 $ 505,000 $ 168,333 $ 0
Bartholomew, Indiana 3 $ 475,000 $ 158,333 $ 74,000
Clark, Indiana 3 $ 425,000 $ 141,666 $ 42,000
Woodbury, Iowa 3 $ 175,000 $ 58,333 $ 39,000
Boone, Kentucky 3 $ 375,000 $ 125,000 $ 46,000
Calcasieu, Louisiana 3 $ 575,000 $ 191,666 $ 165,000
St. John the Baptist, Louisiana 3 $ 385,000 $ 128,333 $ 34,000
Berkshire, Massachusetts 3 $ 255,000 $ 85,000 $ 59,000
Ionia, Michigan 3 $ 255,000 $ 85,000 $ 88,000
Lake, Michigan 3 $ 235,000 $ 78,333 $ 85,000
Lenawee, Michigan 3 $ 505,000 $ 168,333 $ 53,000
Newaygo, Michigan 3 $ 365,000 $ 121,666 $ 101,000
Saginaw, Michigan 3 $ 395,000 $ 131,666 $ 70,000
Van Buren, Michigan 3 $ 265,000 $ 88,333 $ 48,000
Ramsey, Minnesota 3 $ 595,000 $ 198,333 $ 65,000
Lafayette, Missouri 3 $ 685,000 $ 228,333 $ 144,000
St. Charles, Missouri 3 $ 525,000 $ 175,000 $ 0
Taney, Missouri 3 $ 355,000 $ 118,333 $ 43,000
Lyon, Nevada 3 $ 615,000 $ 205,000 $ 74,000
Carroll, New Hampshire 3 $ 435,000 $ 145,000 $ 187,000
Cheshire, New Hampshire 3 $ 625,000 $ 208,333 $ 97,000
Dona Ana, New Mexico 3 $ 715,000 $ 238,333 $ 75,000
Livingston, New York 3 $ 355,000 $ 118,333 $ 0
Onondaga, New York 3 $ 995,000 $ 331,666 $ 217,000
Cabarrus, North Carolina 3 $ 965,000 $ 321,666 $ 309,000
Caldwell, North Carolina 3 $ 655,000 $ 218,333 $ 102,000
Dare, North Carolina 3 $ 885,000 $ 295,000 $ 217,000
Davidson, North Carolina 3 $ 545,000 $ 181,666 $ 204,000
Guilford, North Carolina 3 $ 535,000 $ 178,333 $ 69,000
Onslow, North Carolina 3 $ 555,000 $ 185,000 $ 105,000
Orange, North Carolina 3 $ 945,000 $ 315,000 $ 82,000
Columbiana, Ohio 3 $ 275,000 $ 91,666 $ 64,000
Delaware, Ohio 3 $ 845,000 $ 281,666 $ 81,000
Lake, Ohio 3 $ 405,000 $ 135,000 $ 57,000
Lucas, Ohio 3 $ 225,000 $ 75,000 $ 48,000
Stark, Ohio 3 $ 275,000 $ 91,666 $ 66,000
Cleveland, Oklahoma 3 $ 675,000 $ 225,000 $ 96,000
Rogers, Oklahoma 3 $ 415,000 $ 138,333 $ 69,000
Tulsa, Oklahoma 3 $ 215,000 $ 71,666 $ 0
Columbia, Oregon 3 $ 1,135,000 $ 378,333 $ 106,000
Klamath, Oregon 3 $ 295,000 $ 98,333 $ 0
Tillamook, Oregon 3 $ 585,000 $ 195,000 $ 109,000
Luzerne, Pennsylvania 3 $ 325,000 $ 108,333 $ 41,000
Monroe, Pennsylvania 3 $ 505,000 $ 168,333 $ 55,000
Maury, Tennessee 3 $ 815,000 $ 271,666 $ 98,000
Chambers, Texas 3 $ 765,000 $ 255,000 $ 110,000
Comal, Texas 3 $ 855,000 $ 285,000 $ 94,000
Frio, Texas 3 $ 265,000 $ 88,333 $ 0
Gaines, Texas 3 $ 515,000 $ 171,666 $ 202,000
Limestone, Texas 3 $ 305,000 $ 101,666 $ 65,000
Parker, Texas 3 $ 795,000 $ 265,000 $ 124,000
Summit, Utah 3 $ 2,015,000 $ 671,666 $ 0
Washington, Utah 3 $ 925,000 $ 308,333 $ 62,000
Petersburg, Virginia 3 $ 435,000 $ 145,000 $ 52,000
Warren, Virginia 3 $ 745,000 $ 248,333 $ 60,000
Mason, Washington 3 $ 565,000 $ 188,333 $ 79,000
Dane, Wisconsin 3 $ 775,000 $ 258,333 $ 53,000
Elmore, Alabama 2 $ 330,000 $ 165,000 $ 0
Henry, Alabama 2 $ 390,000 $ 195,000 $ 258,000
Houston, Alabama 2 $ 200,000 $ 100,000 $ 0
Lauderdale, Alabama 2 $ 610,000 $ 305,000 $ 0
Montgomery, Alabama 2 $ 120,000 $ 60,000 $ 70,000
St. Clair, Alabama 2 $ 410,000 $ 205,000 $ 79,000
Anchorage, Alaska 2 $ 830,000 $ 415,000 $ 66,000
Kenai Peninsula, Alaska 2 $ 130,000 $ 65,000 $ 0
Navajo, Arizona 2 $ 60,000 $ 30,000 $ 0
Lonoke, Arkansas 2 $ 310,000 $ 155,000 $ 0
Mississippi, Arkansas 2 $ 120,000 $ 60,000 $ 42,000
Saline, Arkansas 2 $ 310,000 $ 155,000 $ 0
Butte, California 2 $ 390,000 $ 195,000 $ 0
Humboldt, California 2 $ 530,000 $ 265,000 $ 64,000
Napa, California 2 $ 770,000 $ 385,000 $ 0
Nevada, California 2 $ 840,000 $ 420,000 $ 186,000
Santa Barbara, California 2 $ 520,000 $ 260,000 $ 0
Tuolumne, California 2 $ 710,000 $ 355,000 $ 125,000
Boulder, Colorado 2 $ 730,000 $ 365,000 $ 0
Broomfield, Colorado 2 $ 850,000 $ 425,000 $ 100,000
Eagle, Colorado 2 $ 860,000 $ 430,000 $ 164,000
La Plata, Colorado 2 $ 480,000 $ 240,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank of America in 2022

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 6,736 $1,776,050,000 $263,000 $9,335,000 $117,000 $6,390,000
Cash-out Refinancing 1,028 $282,490,000 $274,000 $6,005,000 $128,000 $8,456,000
Refinancing 532 $130,860,000 $245,000 $1,175,000 $92,000 $580,000
Other Purpose 251 $56,855,000 $226,000 $885,000 $141,000 $6,960,000
Not Applicable 154 $13,450,000 $87,000 $335,000 $0 $0
Home Improvement 75 $12,325,000 $164,000 $655,000 $84,000 $298,000

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 4,213 $1,089,355,000 $258,000 $1,055,000 $113,000 $8,456,000
Not applicable 3,160 $825,700,000 $261,000 $9,335,000 $0 $0
White 680 $164,730,000 $242,000 $3,005,000 $132,000 $6,960,000
Not Provided 474 $128,200,000 $270,000 $1,235,000 $135,000 $6,390,000
Black or African American 119 $30,205,000 $253,000 $785,000 $130,000 $1,630,000
Asian 49 $17,195,000 $350,000 $1,255,000 $154,000 $895,000
American Indian or Alaskan Native 38 $6,970,000 $183,000 $515,000 $78,000 $353,000
Native Hawaiian or Other Pacific Islander 2 $650,000 $325,000 $405,000 $249,000 $360,000

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) 8,776 $2,272,030,000 $258,000 $9,335,000 $117,000 $8,456,000
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 3,628 $961,990,000 $265,000 $9,335,000 $112,000 $1,694,000
Loan Purchased By The Institution 3,092 $791,990,000 $256,000 $1,435,000 $0 $0
Application Withdrawn By Applicant 1,073 $274,055,000 $255,000 $3,005,000 $127,000 $8,456,000
Application Denied By Financial Institution 868 $213,150,000 $245,000 $4,255,000 $125,000 $6,960,000
File Closed For Incompleteness 84 $23,130,000 $275,000 $655,000 $128,000 $1,405,000
Application Approved But Not Accepted 31 $7,715,000 $248,000 $425,000 $107,000 $264,000
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 7,908 $2,058,880,000 $260,000 $9,335,000 $116,000 $8,456,000
Collateral 323 $73,405,000 $227,000 $1,235,000 $165,000 $6,960,000
Credit History 210 $48,580,000 $231,000 $775,000 $105,000 $470,000
Other 102 $31,250,000 $306,000 $4,255,000 $131,000 $548,000
Debt-To-Income Ratio 96 $26,840,000 $279,000 $1,055,000 $58,000 $211,000
Insufficient Cash (Downpayment, Closing Cost) 57 $13,425,000 $235,000 $605,000 $98,000 $287,000
Unverifiable Information 40 $9,650,000 $241,000 $485,000 $99,000 $374,000
Credit Application Incomplete 33 $8,675,000 $262,000 $1,035,000 $118,000 $547,000
Employment History 7 $1,325,000 $189,000 $325,000 $96,000 $226,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2022 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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