First National Bank of America Mortgage Lending & HMDA Data, 2023

In 2023, First National Bank of America of East Lansing, MI reported 7,138 mortgage applications totaling $1.9 billion, down 19% from 2022. The average application was for $264,663, and applicants reported an average income of $133,630. 48% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (601), Chicago-Naperville, IL (315) and Washington-Arlington-Alexandria, DC-VA-MD-WV (276) (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 7,138
Total Mortgage Loan Application Amount $1,889,170,000
Average Mortgage Loan Application Amount $264,663
Highest Mortgage Loan Application Amount $4,605,000
Average Applicant Income $133,630
Highest Applicant Income $2,477,000

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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 227 $ 43,175,000 $ 190,198 $ 84,000
Gwinnett, Georgia 202 $ 57,740,000 $ 285,841 $ 132,000
Fairfield, Connecticut 167 $ 51,805,000 $ 310,209 $ 139,000
Harris, Texas 155 $ 30,395,000 $ 196,096 $ 123,000
Prince George's, Maryland 139 $ 39,785,000 $ 286,223 $ 122,000
New Haven, Connecticut 125 $ 27,605,000 $ 220,840 $ 120,000
Maricopa, Arizona 100 $ 26,220,000 $ 262,200 $ 86,000
Montgomery, Maryland 88 $ 30,250,000 $ 343,750 $ 140,000
Baltimore, Maryland 83 $ 19,945,000 $ 240,301 $ 93,000
Cobb, Georgia 81 $ 20,765,000 $ 256,358 $ 113,000
Clark, Nevada 80 $ 24,010,000 $ 300,125 $ 119,000
DeKalb, Georgia 78 $ 20,200,000 $ 258,974 $ 180,000
Suffolk, New York 77 $ 32,225,000 $ 418,506 $ 156,000
King, Washington 65 $ 28,455,000 $ 437,769 $ 178,000
Marion, Indiana 60 $ 9,110,000 $ 151,833 $ 92,000
Middlesex, Massachusetts 60 $ 25,410,000 $ 423,500 $ 207,000
Anne Arundel, Maryland 57 $ 17,045,000 $ 299,035 $ 148,000
Davidson, Tennessee 57 $ 17,385,000 $ 305,000 $ 160,000
Worcester, Massachusetts 56 $ 18,140,000 $ 323,928 $ 143,000
Chesterfield, Virginia 56 $ 13,850,000 $ 247,321 $ 116,000
Dallas, Texas 55 $ 10,125,000 $ 184,090 $ 139,000
Berkeley, South Carolina 53 $ 14,285,000 $ 269,528 $ 174,000
Lake, Illinois 52 $ 11,110,000 $ 213,653 $ 108,000
Jefferson, Kentucky 51 $ 9,225,000 $ 180,882 $ 141,000
Pierce, Washington 50 $ 16,550,000 $ 331,000 $ 145,000
Broward, Florida 49 $ 10,275,000 $ 209,693 $ 111,000
Palm Beach, Florida 49 $ 15,815,000 $ 322,755 $ 215,000
Burlington, New Jersey 46 $ 13,130,000 $ 285,434 $ 150,000
Ingham, Michigan 43 $ 12,015,000 $ 279,418 $ 128,000
Snohomish, Washington 43 $ 17,985,000 $ 418,255 $ 174,000
Orange, Florida 40 $ 12,970,000 $ 324,250 $ 232,000
Baltimore City, Maryland 40 $ 6,110,000 $ 152,750 $ 98,000
DuPage, Illinois 39 $ 8,945,000 $ 229,358 $ 94,000
Los Angeles, California 38 $ 15,610,000 $ 410,789 $ 180,000
Kent, Michigan 38 $ 7,920,000 $ 208,421 $ 62,000
Hartford, Connecticut 35 $ 6,645,000 $ 189,857 $ 95,000
Franklin, Ohio 35 $ 6,145,000 $ 175,571 $ 82,000
Will, Illinois 34 $ 5,580,000 $ 164,117 $ 73,000
Rutherford, Tennessee 33 $ 9,425,000 $ 285,606 $ 193,000
Adams, Colorado 32 $ 13,700,000 $ 428,125 $ 217,000
Mecklenburg, North Carolina 32 $ 9,060,000 $ 283,125 $ 221,000
Kane, Illinois 30 $ 5,670,000 $ 189,000 $ 98,000
Shelby, Tennessee 30 $ 5,050,000 $ 168,333 $ 101,000
Prince William, Virginia 30 $ 10,890,000 $ 363,000 $ 114,000
Jefferson, Alabama 29 $ 4,875,000 $ 168,103 $ 86,000
Shelby, Alabama 29 $ 6,475,000 $ 223,275 $ 127,000
Philadelphia, Pennsylvania 28 $ 4,990,000 $ 178,214 $ 65,000
Beaufort, South Carolina 28 $ 9,040,000 $ 322,857 $ 234,000
Horry, South Carolina 28 $ 6,320,000 $ 225,714 $ 139,000
Fairfax, Virginia 28 $ 11,900,000 $ 425,000 $ 152,000
Manatee, Florida 27 $ 8,245,000 $ 305,370 $ 140,000
Barrow, Georgia 27 $ 7,705,000 $ 285,370 $ 127,000
Clayton, Georgia 27 $ 5,025,000 $ 186,111 $ 81,000
Paulding, Georgia 27 $ 6,585,000 $ 243,888 $ 120,000
Durham, North Carolina 27 $ 6,385,000 $ 236,481 $ 162,000
Wake, North Carolina 27 $ 8,145,000 $ 301,666 $ 202,000
Travis, Texas 27 $ 8,125,000 $ 300,925 $ 164,000
San Bernardino, California 26 $ 8,210,000 $ 315,769 $ 232,000
New Castle, Delaware 26 $ 6,950,000 $ 267,307 $ 115,000
Lee, Florida 26 $ 6,350,000 $ 244,230 $ 167,000
Fulton, Georgia 26 $ 8,010,000 $ 308,076 $ 193,000
Frederick, Maryland 26 $ 6,870,000 $ 264,230 $ 124,000
Essex, Massachusetts 26 $ 12,700,000 $ 488,461 $ 196,000
Essex, New Jersey 25 $ 8,715,000 $ 348,600 $ 169,000
Stanislaus, California 24 $ 7,640,000 $ 318,333 $ 165,000
Barnstable, Massachusetts 24 $ 9,520,000 $ 396,666 $ 143,000
Camden, New Jersey 24 $ 4,970,000 $ 207,083 $ 92,000
Johnston, North Carolina 24 $ 5,790,000 $ 241,250 $ 188,000
Allegheny, Pennsylvania 24 $ 3,350,000 $ 139,583 $ 59,000
Tarrant, Texas 24 $ 5,530,000 $ 230,416 $ 207,000
Duval, Florida 23 $ 5,675,000 $ 246,739 $ 129,000
Hillsborough, Florida 23 $ 6,195,000 $ 269,347 $ 135,000
Fayette, Kentucky 23 $ 4,215,000 $ 183,260 $ 72,000
Charles, Maryland 23 $ 7,765,000 $ 337,608 $ 113,000
Washoe, Nevada 23 $ 6,305,000 $ 274,130 $ 106,000
Union, New Jersey 23 $ 8,115,000 $ 352,826 $ 155,000
Westchester, New York 23 $ 8,635,000 $ 375,434 $ 159,000
Marion, Oregon 22 $ 8,420,000 $ 382,727 $ 171,000
Plymouth, Massachusetts 21 $ 8,715,000 $ 415,000 $ 181,000
Cumberland, New Jersey 21 $ 3,045,000 $ 145,000 $ 51,000
Hamilton, Ohio 21 $ 3,415,000 $ 162,619 $ 70,000
Charleston, South Carolina 21 $ 4,795,000 $ 228,333 $ 180,000
Jasper, South Carolina 21 $ 6,075,000 $ 289,285 $ 231,000
Montgomery, Texas 21 $ 5,325,000 $ 253,571 $ 203,000
Henrico, Virginia 21 $ 4,795,000 $ 228,333 $ 101,000
Polk, Florida 20 $ 5,470,000 $ 273,500 $ 199,000
Cherokee, Georgia 20 $ 6,140,000 $ 307,000 $ 116,000
Bristol, Massachusetts 20 $ 6,550,000 $ 327,500 $ 151,000
Wayne, Michigan 20 $ 2,650,000 $ 132,500 $ 77,000
Morris, New Jersey 20 $ 7,350,000 $ 367,500 $ 206,000
Ocean, New Jersey 20 $ 6,170,000 $ 308,500 $ 114,000
Nassau, New York 20 $ 8,630,000 $ 431,500 $ 160,000
Bexar, Texas 20 $ 2,450,000 $ 122,500 $ 86,000
Fort Bend, Texas 20 $ 5,870,000 $ 293,500 $ 118,000
Utah, Utah 20 $ 8,280,000 $ 414,000 $ 169,000
Miami-Dade, Florida 19 $ 6,475,000 $ 340,789 $ 160,000
Douglas, Georgia 19 $ 3,965,000 $ 208,684 $ 107,000
Kern, California 18 $ 5,020,000 $ 278,888 $ 83,000
Riverside, California 18 $ 6,540,000 $ 363,333 $ 166,000
Arapahoe, Colorado 18 $ 7,060,000 $ 392,222 $ 159,000
Litchfield, Connecticut 18 $ 4,170,000 $ 231,666 $ 117,000
Sussex, Delaware 18 $ 4,040,000 $ 224,444 $ 90,000
Lake, Florida 18 $ 6,520,000 $ 362,222 $ 189,000
Hall, Georgia 18 $ 4,810,000 $ 267,222 $ 111,000
Jefferson, Louisiana 18 $ 3,020,000 $ 167,777 $ 90,000
Washington, Maryland 18 $ 4,540,000 $ 252,222 $ 151,000
Mercer, New Jersey 18 $ 3,950,000 $ 219,444 $ 110,000
Hamilton, Tennessee 18 $ 3,380,000 $ 187,777 $ 95,000
Fresno, California 17 $ 3,795,000 $ 223,235 $ 94,000
Pasco, Florida 17 $ 5,805,000 $ 341,470 $ 367,000
Forsyth, Georgia 17 $ 5,425,000 $ 319,117 $ 249,000
Rockdale, Georgia 17 $ 4,475,000 $ 263,235 $ 193,000
Montgomery, Pennsylvania 17 $ 4,385,000 $ 257,941 $ 102,000
Jackson, Missouri 16 $ 2,280,000 $ 142,500 $ 72,000
Monmouth, New Jersey 16 $ 5,790,000 $ 361,875 $ 152,000
Washington, Oregon 16 $ 6,750,000 $ 421,875 $ 146,000
Hays, Texas 16 $ 4,600,000 $ 287,500 $ 126,000
Henry, Georgia 15 $ 4,075,000 $ 271,666 $ 115,000
McHenry, Illinois 15 $ 2,785,000 $ 185,666 $ 121,000
Orange, New York 15 $ 4,225,000 $ 281,666 $ 132,000
Greenville, South Carolina 15 $ 2,245,000 $ 149,666 $ 115,000
Bastrop, Texas 15 $ 3,725,000 $ 248,333 $ 120,000
Merced, California 14 $ 3,990,000 $ 285,000 $ 118,000
San Diego, California 14 $ 6,900,000 $ 492,857 $ 178,000
Denver, Colorado 14 $ 4,190,000 $ 299,285 $ 276,000
Multnomah, Oregon 14 $ 4,960,000 $ 354,285 $ 123,000
Denton, Texas 14 $ 4,280,000 $ 305,714 $ 218,000
Roanoke City, Virginia 14 $ 2,380,000 $ 170,000 $ 100,000
Clark, Washington 14 $ 4,480,000 $ 320,000 $ 115,000
Madison, Alabama 13 $ 2,225,000 $ 171,153 $ 84,000
Johnson, Kansas 13 $ 3,965,000 $ 305,000 $ 189,000
Bergen, New Jersey 13 $ 5,345,000 $ 411,153 $ 157,000
Middlesex, New Jersey 13 $ 3,735,000 $ 287,307 $ 89,000
Delaware, Pennsylvania 13 $ 2,695,000 $ 207,307 $ 121,000
Pima, Arizona 12 $ 2,520,000 $ 210,000 $ 83,000
Monterey, California 12 $ 5,400,000 $ 450,000 $ 194,000
Weld, Colorado 12 $ 4,480,000 $ 373,333 $ 216,000
Osceola, Florida 12 $ 3,460,000 $ 288,333 $ 298,000
Kendall, Illinois 12 $ 2,490,000 $ 207,500 $ 81,000
Wicomico, Maryland 12 $ 2,450,000 $ 204,166 $ 102,000
Williamson, Texas 12 $ 3,720,000 $ 310,000 $ 131,000
Richmond City, Virginia 12 $ 2,000,000 $ 166,666 $ 70,000
Sacramento, California 11 $ 3,385,000 $ 307,727 $ 102,000
San Joaquin, California 11 $ 4,165,000 $ 378,636 $ 139,000
Solano, California 11 $ 4,335,000 $ 394,090 $ 141,000
Sarasota, Florida 11 $ 3,415,000 $ 310,454 $ 112,000
Jackson, Georgia 11 $ 2,535,000 $ 230,454 $ 151,000
DeKalb, Illinois 11 $ 1,865,000 $ 169,545 $ 94,000
Norfolk, Virginia 11 $ 2,485,000 $ 225,909 $ 88,000
Alameda, California 10 $ 3,660,000 $ 366,000 $ 155,000
Contra Costa, California 10 $ 4,220,000 $ 422,000 $ 149,000
Orange, California 10 $ 4,860,000 $ 486,000 $ 165,000
St. Lucie, Florida 10 $ 2,770,000 $ 277,000 $ 153,000
Volusia, Florida 10 $ 2,100,000 $ 210,000 $ 147,000
Walton, Georgia 10 $ 3,510,000 $ 351,000 $ 148,000
Wyandotte, Kansas 10 $ 1,740,000 $ 174,000 $ 90,000
East Baton Rouge, Louisiana 10 $ 1,580,000 $ 158,000 $ 78,000
DeSoto, Mississippi 10 $ 2,670,000 $ 267,000 $ 138,000
Douglas, Nebraska 10 $ 2,230,000 $ 223,000 $ 151,000
Gloucester, New Jersey 10 $ 2,440,000 $ 244,000 $ 82,000
Passaic, New Jersey 10 $ 3,740,000 $ 374,000 $ 191,000
Bronx, New York 10 $ 4,100,000 $ 410,000 $ 144,000
Dutchess, New York 10 $ 2,600,000 $ 260,000 $ 103,000
Chester, Pennsylvania 10 $ 2,830,000 $ 283,000 $ 99,000
Robertson, Tennessee 10 $ 2,860,000 $ 286,000 $ 72,000
Galveston, Texas 10 $ 1,960,000 $ 196,000 $ 72,000
Kaufman, Texas 10 $ 2,890,000 $ 289,000 $ 299,000
Chesapeake, Virginia 10 $ 2,300,000 $ 230,000 $ 89,000
El Paso, Colorado 9 $ 2,845,000 $ 316,111 $ 116,000
Middlesex, Connecticut 9 $ 2,875,000 $ 319,444 $ 157,000
Escambia, Florida 9 $ 1,705,000 $ 189,444 $ 128,000
Pinellas, Florida 9 $ 2,515,000 $ 279,444 $ 205,000
Orleans, Louisiana 9 $ 1,285,000 $ 142,777 $ 132,000
Clinton, Michigan 9 $ 1,935,000 $ 215,000 $ 35,000
Oakland, Michigan 9 $ 2,205,000 $ 245,000 $ 169,000
Hillsborough, New Hampshire 9 $ 4,275,000 $ 475,000 $ 241,000
Atlantic, New Jersey 9 $ 1,915,000 $ 212,777 $ 63,000
Rutherford, North Carolina 9 $ 985,000 $ 109,444 $ 85,000
Butler, Ohio 9 $ 1,345,000 $ 149,444 $ 64,000
Lexington, South Carolina 9 $ 1,435,000 $ 159,444 $ 199,000
Richland, South Carolina 9 $ 2,825,000 $ 313,888 $ 153,000
Salt Lake, Utah 9 $ 2,685,000 $ 298,333 $ 90,000
Frederick, Virginia 9 $ 2,415,000 $ 268,333 $ 70,000
Spotsylvania, Virginia 9 $ 2,765,000 $ 307,222 $ 108,000
Virginia Beach, Virginia 9 $ 2,455,000 $ 272,777 $ 122,000
Benton, Arkansas 8 $ 1,560,000 $ 195,000 $ 123,000
Tulare, California 8 $ 1,750,000 $ 218,750 $ 78,000
Jefferson, Colorado 8 $ 2,910,000 $ 363,750 $ 259,000
New London, Connecticut 8 $ 1,650,000 $ 206,250 $ 101,000
Brevard, Florida 8 $ 2,340,000 $ 292,500 $ 111,000
Carroll, Georgia 8 $ 1,980,000 $ 247,500 $ 107,000
Winnebago, Illinois 8 $ 1,060,000 $ 132,500 $ 80,000
Harford, Maryland 8 $ 2,330,000 $ 291,250 $ 162,000
Howard, Maryland 8 $ 3,000,000 $ 375,000 $ 162,000
Eaton, Michigan 8 $ 7,620,000 $ 952,500 $ 278,000
Putnam, New York 8 $ 2,170,000 $ 271,250 $ 117,000
Forsyth, North Carolina 8 $ 1,770,000 $ 221,250 $ 146,000
Brazoria, Texas 8 $ 1,560,000 $ 195,000 $ 88,000
Davis, Utah 8 $ 4,370,000 $ 546,250 $ 592,000
Stafford, Virginia 8 $ 2,060,000 $ 257,500 $ 85,000
Washington, Arkansas 7 $ 1,285,000 $ 183,571 $ 107,000
Douglas, Colorado 7 $ 2,955,000 $ 422,142 $ 139,000
Citrus, Florida 7 $ 945,000 $ 135,000 $ 130,000
Hernando, Florida 7 $ 2,185,000 $ 312,142 $ 153,000
Marion, Florida 7 $ 1,045,000 $ 149,285 $ 61,000
Chatham, Georgia 7 $ 1,935,000 $ 276,428 $ 149,000
Clark, Indiana 7 $ 1,335,000 $ 190,714 $ 94,000
Tippecanoe, Indiana 7 $ 1,705,000 $ 243,571 $ 79,000
Hennepin, Minnesota 7 $ 1,705,000 $ 243,571 $ 115,000
Cape May, New Jersey 7 $ 1,315,000 $ 187,857 $ 92,000
Hudson, New Jersey 7 $ 3,305,000 $ 472,142 $ 198,000
Queens, New York 7 $ 3,645,000 $ 520,714 $ 243,000
Rockland, New York 7 $ 3,195,000 $ 456,428 $ 152,000
Gaston, North Carolina 7 $ 1,155,000 $ 165,000 $ 83,000
Guilford, North Carolina 7 $ 1,315,000 $ 187,857 $ 104,000
Linn, Oregon 7 $ 2,105,000 $ 300,714 $ 126,000
Dauphin, Pennsylvania 7 $ 825,000 $ 117,857 $ 79,000
Wilson, Tennessee 7 $ 1,705,000 $ 243,571 $ 68,000
Grant, Washington 7 $ 1,435,000 $ 205,000 $ 85,000
Thurston, Washington 7 $ 1,745,000 $ 249,285 $ 97,000
Yakima, Washington 7 $ 1,485,000 $ 212,142 $ 106,000
Mobile, Alabama 6 $ 680,000 $ 113,333 $ 105,000
Pinal, Arizona 6 $ 1,290,000 $ 215,000 $ 75,000
Madera, California 6 $ 2,020,000 $ 336,666 $ 113,000
Santa Clara, California 6 $ 3,590,000 $ 598,333 $ 236,000
Sonoma, California 6 $ 2,840,000 $ 473,333 $ 272,000
Bay, Florida 6 $ 1,610,000 $ 268,333 $ 211,000
Bartow, Georgia 6 $ 1,310,000 $ 218,333 $ 82,000
Floyd, Georgia 6 $ 1,410,000 $ 235,000 $ 412,000
Newton, Georgia 6 $ 1,140,000 $ 190,000 $ 102,000
Bullitt, Kentucky 6 $ 1,340,000 $ 223,333 $ 97,000
Warren, Kentucky 6 $ 770,000 $ 128,333 $ 49,000
Carroll, Maryland 6 $ 2,580,000 $ 430,000 $ 161,000
Norfolk, Massachusetts 6 $ 3,030,000 $ 505,000 $ 221,000
Anoka, Minnesota 6 $ 1,490,000 $ 248,333 $ 86,000
Sarpy, Nebraska 6 $ 1,130,000 $ 188,333 $ 0
Harnett, North Carolina 6 $ 1,090,000 $ 181,666 $ 164,000
Pender, North Carolina 6 $ 1,210,000 $ 201,666 $ 92,000
Union, North Carolina 6 $ 1,580,000 $ 263,333 $ 202,000
Vance, North Carolina 6 $ 760,000 $ 126,666 $ 140,000
Beaver, Pennsylvania 6 $ 1,340,000 $ 223,333 $ 96,000
Bucks, Pennsylvania 6 $ 1,720,000 $ 286,666 $ 90,000
Luzerne, Pennsylvania 6 $ 660,000 $ 110,000 $ 61,000
York, South Carolina 6 $ 1,730,000 $ 288,333 $ 197,000
Knox, Tennessee 6 $ 1,230,000 $ 205,000 $ 80,000
Sevier, Tennessee 6 $ 1,600,000 $ 266,666 $ 96,000
Liberty, Texas 6 $ 890,000 $ 148,333 $ 74,000
Loudoun, Virginia 6 $ 2,450,000 $ 408,333 $ 180,000
Portsmouth, Virginia 6 $ 900,000 $ 150,000 $ 70,000
Milwaukee, Wisconsin 6 $ 980,000 $ 163,333 $ 74,000
Lee, Alabama 5 $ 495,000 $ 99,000 $ 65,000
Coconino, Arizona 5 $ 1,075,000 $ 215,000 $ 526,000
Mohave, Arizona 5 $ 895,000 $ 179,000 $ 69,000
Yavapai, Arizona 5 $ 1,035,000 $ 207,000 $ 99,000
District of Columbia, District Of Columbia 5 $ 1,775,000 $ 355,000 $ 104,000
Alachua, Florida 5 $ 1,165,000 $ 233,000 $ 148,000
Santa Rosa, Florida 5 $ 1,105,000 $ 221,000 $ 141,000
Walton, Florida 5 $ 1,615,000 $ 323,000 $ 138,000
Hamilton, Indiana 5 $ 1,115,000 $ 223,000 $ 134,000
Kosciusko, Indiana 5 $ 1,095,000 $ 219,000 $ 81,000
Porter, Indiana 5 $ 675,000 $ 135,000 $ 50,000
Polk, Iowa 5 $ 965,000 $ 193,000 $ 98,000
Franklin, Kentucky 5 $ 815,000 $ 163,000 $ 68,000
St. Mary's, Maryland 5 $ 1,185,000 $ 237,000 $ 85,000
Ramsey, Minnesota 5 $ 1,075,000 $ 215,000 $ 81,000
Richmond, New York 5 $ 1,815,000 $ 363,000 $ 146,000
Cabarrus, North Carolina 5 $ 1,425,000 $ 285,000 $ 151,000
Randolph, North Carolina 5 $ 695,000 $ 139,000 $ 48,000
Wayne, North Carolina 5 $ 625,000 $ 125,000 $ 127,000
Deschutes, Oregon 5 $ 1,435,000 $ 287,000 $ 126,000
Dorchester, South Carolina 5 $ 1,295,000 $ 259,000 $ 221,000
Dickson, Tennessee 5 $ 925,000 $ 185,000 $ 117,000
Sumner, Tennessee 5 $ 1,425,000 $ 285,000 $ 111,000
Bell, Texas 5 $ 535,000 $ 107,000 $ 89,000
Collin, Texas 5 $ 1,965,000 $ 393,000 $ 168,000
Ector, Texas 5 $ 545,000 $ 109,000 $ 0
Ellis, Texas 5 $ 955,000 $ 191,000 $ 106,000
Newport News, Virginia 5 $ 1,015,000 $ 203,000 $ 64,000
Roanoke, Virginia 5 $ 855,000 $ 171,000 $ 175,000
Winchester, Virginia 5 $ 1,325,000 $ 265,000 $ 84,000
Kitsap, Washington 5 $ 1,645,000 $ 329,000 $ 101,000
Baldwin, Alabama 4 $ 1,620,000 $ 405,000 $ 110,000
Calhoun, Alabama 4 $ 390,000 $ 97,500 $ 63,000
Montgomery, Alabama 4 $ 530,000 $ 132,500 $ 53,000
Lake, California 4 $ 1,120,000 $ 280,000 $ 140,000
Yolo, California 4 $ 1,310,000 $ 327,500 $ 231,000
Elbert, Colorado 4 $ 2,860,000 $ 715,000 $ 245,000
Kent, Delaware 4 $ 1,200,000 $ 300,000 $ 72,000
Bibb, Georgia 4 $ 650,000 $ 162,500 $ 97,000
Glynn, Georgia 4 $ 1,240,000 $ 310,000 $ 137,000
Madison, Georgia 4 $ 970,000 $ 242,500 $ 88,000
Whitfield, Georgia 4 $ 590,000 $ 147,500 $ 50,000
Hawaii, Hawaii 4 $ 710,000 $ 177,500 $ 111,000
Boone, Illinois 4 $ 630,000 $ 157,500 $ 77,000
Bartholomew, Indiana 4 $ 680,000 $ 170,000 $ 76,000
Johnson, Indiana 4 $ 940,000 $ 235,000 $ 112,000
Madison, Indiana 4 $ 660,000 $ 165,000 $ 173,000
Sedgwick, Kansas 4 $ 480,000 $ 120,000 $ 45,000
Madison, Kentucky 4 $ 1,330,000 $ 332,500 $ 153,000
Livingston, Louisiana 4 $ 700,000 $ 175,000 $ 85,000
Caroline, Maryland 4 $ 960,000 $ 240,000 $ 0
Talbot, Maryland 4 $ 980,000 $ 245,000 $ 74,000
Hampden, Massachusetts 4 $ 1,280,000 $ 320,000 $ 126,000
Hampshire, Massachusetts 4 $ 1,610,000 $ 402,500 $ 194,000
Calhoun, Michigan 4 $ 390,000 $ 97,500 $ 52,000
Ionia, Michigan 4 $ 820,000 $ 205,000 $ 50,000
Kalkaska, Michigan 4 $ 580,000 $ 145,000 $ 110,000
Macomb, Michigan 4 $ 390,000 $ 97,500 $ 41,000
Washtenaw, Michigan 4 $ 930,000 $ 232,500 $ 65,000
Dakota, Minnesota 4 $ 1,520,000 $ 380,000 $ 161,000
Clay, Missouri 4 $ 1,190,000 $ 297,500 $ 128,000
Lyon, Nevada 4 $ 550,000 $ 137,500 $ 55,000
Somerset, New Jersey 4 $ 1,210,000 $ 302,500 $ 104,000
Kings, New York 4 $ 2,080,000 $ 520,000 $ 158,000
Buncombe, North Carolina 4 $ 1,100,000 $ 275,000 $ 336,000
Cumberland, North Carolina 4 $ 650,000 $ 162,500 $ 149,000
Davie, North Carolina 4 $ 720,000 $ 180,000 $ 109,000
Franklin, North Carolina 4 $ 1,070,000 $ 267,500 $ 217,000
New Hanover, North Carolina 4 $ 1,120,000 $ 280,000 $ 83,000
Onslow, North Carolina 4 $ 720,000 $ 180,000 $ 71,000
Orange, North Carolina 4 $ 1,020,000 $ 255,000 $ 220,000
Rowan, North Carolina 4 $ 830,000 $ 207,500 $ 556,000
Cuyahoga, Ohio 4 $ 610,000 $ 152,500 $ 91,000
Warren, Ohio 4 $ 1,220,000 $ 305,000 $ 215,000
Clackamas, Oregon 4 $ 1,740,000 $ 435,000 $ 172,000
Berks, Pennsylvania 4 $ 820,000 $ 205,000 $ 154,000
Lackawanna, Pennsylvania 4 $ 500,000 $ 125,000 $ 45,000
Northampton, Pennsylvania 4 $ 790,000 $ 197,500 $ 84,000
Spartanburg, South Carolina 4 $ 790,000 $ 197,500 $ 50,000
Cameron, Texas 4 $ 170,000 $ 42,500 $ 67,000
Comal, Texas 4 $ 1,480,000 $ 370,000 $ 864,000
Guadalupe, Texas 4 $ 920,000 $ 230,000 $ 114,000
Hidalgo, Texas 4 $ 470,000 $ 117,500 $ 83,000
Parker, Texas 4 $ 1,380,000 $ 345,000 $ 83,000
Culpeper, Virginia 4 $ 1,070,000 $ 267,500 $ 136,000
Hanover, Virginia 4 $ 950,000 $ 237,500 $ 110,000
Warren, Virginia 4 $ 810,000 $ 202,500 $ 169,000
Douglas, Washington 4 $ 1,340,000 $ 335,000 $ 90,000
Franklin, Washington 4 $ 1,210,000 $ 302,500 $ 149,000
Island, Washington 4 $ 1,300,000 $ 325,000 $ 122,000
Lewis, Washington 4 $ 1,250,000 $ 312,500 $ 110,000
Mason, Washington 4 $ 1,090,000 $ 272,500 $ 86,000
Sweetwater, Wyoming 4 $ 730,000 $ 182,500 $ 87,000
Tuscaloosa, Alabama 3 $ 445,000 $ 148,333 $ 129,000
Kenai Peninsula, Alaska 3 $ 185,000 $ 61,666 $ 0
Matanuska-Susitna, Alaska 3 $ 225,000 $ 75,000 $ 0
Cochise, Arizona 3 $ 355,000 $ 118,333 $ 83,000
Pulaski, Arkansas 3 $ 645,000 $ 215,000 $ 132,000
Marin, California 3 $ 1,925,000 $ 641,666 $ 217,000
San Benito, California 3 $ 1,445,000 $ 481,666 $ 146,000
Boulder, Colorado 3 $ 1,015,000 $ 338,333 $ 152,000
Tolland, Connecticut 3 $ 555,000 $ 185,000 $ 115,000
Windham, Connecticut 3 $ 655,000 $ 218,333 $ 98,000
Clay, Florida 3 $ 815,000 $ 271,666 $ 104,000
Collier, Florida 3 $ 685,000 $ 228,333 $ 0
Highlands, Florida 3 $ 175,000 $ 58,333 $ 36,000
Okaloosa, Florida 3 $ 825,000 $ 275,000 $ 0
Coweta, Georgia 3 $ 775,000 $ 258,333 $ 99,000
Fayette, Georgia 3 $ 815,000 $ 271,666 $ 106,000
Hart, Georgia 3 $ 755,000 $ 251,666 $ 89,000
Houston, Georgia 3 $ 635,000 $ 211,666 $ 170,000
Canyon, Idaho 3 $ 1,185,000 $ 395,000 $ 175,000
Champaign, Illinois 3 $ 605,000 $ 201,666 $ 192,000
Jo Daviess, Illinois 3 $ 435,000 $ 145,000 $ 82,000
Lake, Indiana 3 $ 325,000 $ 108,333 $ 54,000
Randolph, Indiana 3 $ 285,000 $ 95,000 $ 34,000
Bossier, Louisiana 3 $ 485,000 $ 161,666 $ 78,000
Calcasieu, Louisiana 3 $ 385,000 $ 128,333 $ 117,000
Lafayette, Louisiana 3 $ 825,000 $ 275,000 $ 158,000
St. John the Baptist, Louisiana 3 $ 315,000 $ 105,000 $ 116,000
Calvert, Maryland 3 $ 645,000 $ 215,000 $ 108,000
Dorchester, Maryland 3 $ 425,000 $ 141,666 $ 149,000
Dukes, Massachusetts 3 $ 1,975,000 $ 658,333 $ 265,000
Suffolk, Massachusetts 3 $ 1,705,000 $ 568,333 $ 365,000
Grand Traverse, Michigan 3 $ 745,000 $ 248,333 $ 0
Newaygo, Michigan 3 $ 235,000 $ 78,333 $ 83,000
Ottawa, Michigan 3 $ 935,000 $ 311,666 $ 53,000
Van Buren, Michigan 3 $ 545,000 $ 181,666 $ 122,000
Christian, Missouri 3 $ 725,000 $ 241,666 $ 82,000
Greene, Missouri 3 $ 1,235,000 $ 411,666 $ 221,000
Jasper, Missouri 3 $ 335,000 $ 111,666 $ 68,000
St. Louis, Missouri 3 $ 395,000 $ 131,666 $ 61,000
St. Louis City, Missouri 3 $ 335,000 $ 111,666 $ 72,000
Sussex, New Jersey 3 $ 645,000 $ 215,000 $ 81,000
Lea, New Mexico 3 $ 705,000 $ 235,000 $ 134,000
Allegany, New York 3 $ 215,000 $ 71,666 $ 86,000
Chenango, New York 3 $ 285,000 $ 95,000 $ 100,000
Erie, New York 3 $ 565,000 $ 188,333 $ 282,000
Alamance, North Carolina 3 $ 435,000 $ 145,000 $ 53,000
Iredell, North Carolina 3 $ 465,000 $ 155,000 $ 58,000
Lenoir, North Carolina 3 $ 325,000 $ 108,333 $ 89,000
Pitt, North Carolina 3 $ 345,000 $ 115,000 $ 70,000
Wilson, North Carolina 3 $ 475,000 $ 158,333 $ 91,000
Summit, Ohio 3 $ 255,000 $ 85,000 $ 77,000
Oklahoma, Oklahoma 3 $ 815,000 $ 271,666 $ 0
Polk, Oregon 3 $ 1,425,000 $ 475,000 $ 217,000
Monroe, Pennsylvania 3 $ 535,000 $ 178,333 $ 130,000
Anderson, Tennessee 3 $ 535,000 $ 178,333 $ 60,000
Bedford, Tennessee 3 $ 895,000 $ 298,333 $ 91,000
Bradley, Tennessee 3 $ 575,000 $ 191,666 $ 63,000
Cheatham, Tennessee 3 $ 775,000 $ 258,333 $ 106,000
Hamblen, Tennessee 3 $ 385,000 $ 128,333 $ 93,000
Marshall, Tennessee 3 $ 1,105,000 $ 368,333 $ 222,000
Maury, Tennessee 3 $ 905,000 $ 301,666 $ 175,000
Montgomery, Tennessee 3 $ 585,000 $ 195,000 $ 64,000
Grimes, Texas 3 $ 895,000 $ 298,333 $ 0
Hunt, Texas 3 $ 875,000 $ 291,666 $ 170,000
Jefferson, Texas 3 $ 415,000 $ 138,333 $ 54,000
Taylor, Texas 3 $ 275,000 $ 91,666 $ 0
Tom Green, Texas 3 $ 275,000 $ 91,666 $ 0
Wharton, Texas 3 $ 425,000 $ 141,666 $ 54,000
Wood, Texas 3 $ 555,000 $ 185,000 $ 99,000
Weber, Utah 3 $ 1,295,000 $ 431,666 $ 194,000
Manassas, Virginia 3 $ 1,385,000 $ 461,666 $ 144,000
Powhatan, Virginia 3 $ 575,000 $ 191,666 $ 143,000
Benton, Washington 3 $ 655,000 $ 218,333 $ 77,000
Chelan, Washington 3 $ 755,000 $ 251,666 $ 74,000
Cowlitz, Washington 3 $ 975,000 $ 325,000 $ 131,000
Spokane, Washington 3 $ 535,000 $ 178,333 $ 50,000
Gilmer, West Virginia 3 $ 365,000 $ 121,666 $ 76,000
Jefferson, West Virginia 3 $ 615,000 $ 205,000 $ 59,000
Mercer, West Virginia 3 $ 315,000 $ 105,000 $ 109,000
Vilas, Wisconsin 3 $ 475,000 $ 158,333 $ 89,000
Chilton, Alabama 2 $ 190,000 $ 95,000 $ 86,000
Colbert, Alabama 2 $ 110,000 $ 55,000 $ 21,000
Houston, Alabama 2 $ 450,000 $ 225,000 $ 101,000
Limestone, Alabama 2 $ 360,000 $ 180,000 $ 152,000
Marshall, Alabama 2 $ 430,000 $ 215,000 $ 95,000
St. Clair, Alabama 2 $ 290,000 $ 145,000 $ 59,000
Walker, Alabama 2 $ 190,000 $ 95,000 $ 56,000
La Paz, Arizona 2 $ 310,000 $ 155,000 $ 0
Navajo, Arizona 2 $ 400,000 $ 200,000 $ 0
Yuma, Arizona 2 $ 150,000 $ 75,000 $ 0
Butte, California 2 $ 310,000 $ 155,000 $ 122,000
Calaveras, California 2 $ 550,000 $ 275,000 $ 177,000
Del Norte, California 2 $ 830,000 $ 415,000 $ 537,000
Imperial, California 2 $ 210,000 $ 105,000 $ 117,000
Placer, California 2 $ 810,000 $ 405,000 $ 0
Ventura, California 2 $ 1,020,000 $ 510,000 $ 167,000
Larimer, Colorado 2 $ 710,000 $ 355,000 $ 149,000
Las Animas, Colorado 2 $ 280,000 $ 140,000 $ 0
Mesa, Colorado 2 $ 600,000 $ 300,000 $ 79,000
Morgan, Colorado 2 $ 600,000 $ 300,000 $ 98,000
Park, Colorado 2 $ 610,000 $ 305,000 $ 108,000
Charlotte, Florida 2 $ 240,000 $ 120,000 $ 42,000
Flagler, Florida 2 $ 650,000 $ 325,000 $ 119,000
Gilchrist, Florida 2 $ 410,000 $ 205,000 $ 0
Levy, Florida 2 $ 290,000 $ 145,000 $ 84,000
Monroe, Florida 2 $ 470,000 $ 235,000 $ 210,000
Putnam, Florida 2 $ 350,000 $ 175,000 $ 101,000
St. Johns, Florida 2 $ 560,000 $ 280,000 $ 123,000
Banks, Georgia 2 $ 260,000 $ 130,000 $ 0
Dawson, Georgia 2 $ 480,000 $ 240,000 $ 105,000
Effingham, Georgia 2 $ 420,000 $ 210,000 $ 98,000
Franklin, Georgia 2 $ 140,000 $ 70,000 $ 0
Gordon, Georgia 2 $ 260,000 $ 130,000 $ 0
Grady, Georgia 2 $ 140,000 $ 70,000 $ 31,000
Lowndes, Georgia 2 $ 310,000 $ 155,000 $ 0
Lumpkin, Georgia 2 $ 430,000 $ 215,000 $ 152,000
Pickens, Georgia 2 $ 570,000 $ 285,000 $ 98,000
Richmond, Georgia 2 $ 330,000 $ 165,000 $ 0
Bonner, Idaho 2 $ 1,240,000 $ 620,000 $ 624,000
Lemhi, Idaho 2 $ 360,000 $ 180,000 $ 250,000
Johnson, Illinois 2 $ 210,000 $ 105,000 $ 123,000
Madison, Illinois 2 $ 180,000 $ 90,000 $ 83,000
Peoria, Illinois 2 $ 520,000 $ 260,000 $ 128,000
Allen, Indiana 2 $ 730,000 $ 365,000 $ 190,000
Floyd, Indiana 2 $ 180,000 $ 90,000 $ 64,000
Hendricks, Indiana 2 $ 420,000 $ 210,000 $ 85,000
LaPorte, Indiana 2 $ 150,000 $ 75,000 $ 50,000
Vanderburgh, Indiana 2 $ 310,000 $ 155,000 $ 46,000
Campbell, Kentucky 2 $ 300,000 $ 150,000 $ 39,000
Christian, Kentucky 2 $ 280,000 $ 140,000 $ 74,000
Clark, Kentucky 2 $ 430,000 $ 215,000 $ 71,000
Scott, Kentucky 2 $ 380,000 $ 190,000 $ 59,000
Acadia, Louisiana 2 $ 420,000 $ 210,000 $ 0
Ascension, Louisiana 2 $ 310,000 $ 155,000 $ 84,000
St. Martin, Louisiana 2 $ 650,000 $ 325,000 $ 116,000
Tangipahoa, Louisiana 2 $ 370,000 $ 185,000 $ 284,000
Washington, Louisiana 2 $ 140,000 $ 70,000 $ 0
Penobscot, Maine 2 $ 90,000 $ 45,000 $ 0
Somerset, Maine 2 $ 60,000 $ 30,000 $ 0
Franklin, Massachusetts 2 $ 250,000 $ 125,000 $ 64,000
Allegan, Michigan 2 $ 280,000 $ 140,000 $ 126,000
Genesee, Michigan 2 $ 470,000 $ 235,000 $ 55,000
Jackson, Michigan 2 $ 130,000 $ 65,000 $ 31,000
Kalamazoo, Michigan 2 $ 480,000 $ 240,000 $ 76,000
Muskegon, Michigan 2 $ 230,000 $ 115,000 $ 79,000
Roscommon, Michigan 2 $ 400,000 $ 200,000 $ 196,000
Shiawassee, Michigan 2 $ 450,000 $ 225,000 $ 0
Copiah, Mississippi 2 $ 330,000 $ 165,000 $ 92,000
Harrison, Mississippi 2 $ 290,000 $ 145,000 $ 103,000
Hinds, Mississippi 2 $ 130,000 $ 65,000 $ 27,000
Jackson, Mississippi 2 $ 270,000 $ 135,000 $ 63,000
Marion, Mississippi 2 $ 670,000 $ 335,000 $ 143,000
Cass, Missouri 2 $ 480,000 $ 240,000 $ 82,000
Dallas, Missouri 2 $ 300,000 $ 150,000 $ 191,000
Carson City, Nevada 2 $ 1,000,000 $ 500,000 $ 180,000
Nye, Nevada 2 $ 340,000 $ 170,000 $ 110,000
Belknap, New Hampshire 2 $ 500,000 $ 250,000 $ 145,000
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Mortgage Loan Application Detail Totals for First National Bank of America in 2023

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 6,220 $1,666,260,000 $267,000 $3,755,000 $134,000 $1,810,000
Cash-out Refinancing 380 $107,470,000 $282,000 $4,605,000 $132,000 $1,080,000
Other Purpose 200 $43,660,000 $218,000 $825,000 $116,000 $695,000
Refinancing 188 $49,660,000 $264,000 $1,065,000 $133,000 $1,320,000
Home Improvement 88 $16,820,000 $191,000 $565,000 $156,000 $2,477,000
Not Applicable 62 $5,300,000 $85,000 $365,000 $0 $0

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 4,198 $1,127,030,000 $268,000 $1,255,000 $127,000 $1,565,000
Not applicable 1,843 $461,805,000 $250,000 $4,605,000 $0 $0
White 475 $125,735,000 $264,000 $2,205,000 $160,000 $1,653,000
Not Provided 458 $127,590,000 $278,000 $1,055,000 $162,000 $1,810,000
Black or African American 94 $23,760,000 $252,000 $725,000 $134,000 $501,000
Asian 42 $12,270,000 $292,000 $825,000 $158,000 $826,000
American Indian or Alaskan Native 13 $3,545,000 $272,000 $755,000 $130,000 $269,000
Native Hawaiian or Other Pacific Islander 1 $685,000 $685,000 $685,000 $225,000 $225,000

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) 7,138 $1,889,170,000 $264,000 $4,605,000 $134,000 $2,477,000
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 3,437 $948,885,000 $276,000 $4,605,000 $132,000 $2,477,000
Loan Purchased By The Institution 1,785 $436,095,000 $244,000 $1,155,000 $0 $0
Application Withdrawn By Applicant 934 $245,670,000 $263,000 $1,145,000 $137,000 $1,565,000
Application Denied By Financial Institution 868 $227,560,000 $262,000 $1,655,000 $135,000 $1,810,000
File Closed For Incompleteness 79 $23,035,000 $291,000 $2,205,000 $143,000 $1,653,000
Application Approved But Not Accepted 35 $7,925,000 $226,000 $565,000 $137,000 $579,000
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 6,270 $1,661,610,000 $265,000 $4,605,000 $134,000 $2,477,000
Collateral 342 $89,860,000 $262,000 $1,655,000 $143,000 $935,000
Credit History 170 $46,050,000 $270,000 $1,055,000 $130,000 $785,000
Debt-To-Income Ratio 77 $18,965,000 $246,000 $615,000 $63,000 $221,000
Other 77 $20,385,000 $264,000 $1,065,000 $166,000 $1,320,000
Insufficient Cash (Downpayment, Closing Cost) 74 $17,230,000 $232,000 $705,000 $130,000 $1,063,000
Unverifiable Information 70 $17,350,000 $247,000 $695,000 $121,000 $802,000
Credit Application Incomplete 57 $17,105,000 $300,000 $875,000 $153,000 $472,000
Employment History 1 $615,000 $615,000 $615,000 $1,810,000 $1,810,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2023 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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