First National Bank of America Mortgage Lending & HMDA Data, 2025
In 2025, First National Bank of America of East Lansing, MI reported 6,003 mortgage applications totaling $1.7 billion, down 17% from 2024. The average application was for $280,214, and applicants reported an average income of $157,785. 45% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (258), Chicago-Naperville, IL (238) and Houston-The Woodlands-Sugar Land, TX (192) (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 | 6,003 |
| Total Mortgage Loan Application Amount | $1,682,125,000 |
| Average Mortgage Loan Application Amount | $280,214 |
| Highest Mortgage Loan Application Amount | $5,995,000 |
| Average Applicant Income | $157,785 |
| Highest Applicant Income | $5,939,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 590 | $ 125,010,000 | $ 211,881 | $ 176,047 |
| Atlanta-Sandy Springs-Roswell, GA | 258 | $ 74,760,000 | $ 289,767 | $ 159,000 |
| Chicago-Naperville, IL | 238 | $ 49,970,000 | $ 209,957 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 192 | $ 39,160,000 | $ 203,958 | $ 151,000 |
| Bridgeport-Stamford-Norwalk, CT | 135 | $ 51,425,000 | $ 380,925 | $ 180,000 |
| Baltimore-Columbia-Towson, MD | 120 | $ 34,180,000 | $ 284,833 | $ 122,000 |
| Charlotte-Concord-Gastonia, NC-SC | 116 | $ 31,520,000 | $ 271,724 | $ 159,931 |
| Phoenix-Mesa-Scottsdale, AZ | 111 | $ 29,855,000 | $ 268,963 | $ 126,000 |
| Raleigh, NC | 101 | $ 25,965,000 | $ 257,079 | $ 164,000 |
| Washington, DC-MD | 90 | $ 27,020,000 | $ 300,222 | $ 114,711 |
| Marietta, GA | 86 | $ 25,280,000 | $ 293,953 | $ 161,000 |
| Nassau County-Suffolk County, NY | 86 | $ 44,260,000 | $ 514,651 | $ 201,000 |
| Lansing-East Lansing, MI | 84 | $ 27,270,000 | $ 324,642 | $ 141,000 |
| Dallas-Plano-Irving, TX | 79 | $ 20,645,000 | $ 261,329 | $ 221,000 |
| Birmingham-Hoover, AL | 73 | $ 13,175,000 | $ 180,479 | $ 149,000 |
| Indianapolis-Carmel-Anderson, IN | 70 | $ 13,620,000 | $ 194,571 | $ 111,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 70 | $ 20,840,000 | $ 297,714 | $ 158,000 |
| Denver-Aurora-Lakewood, CO | 68 | $ 27,580,000 | $ 405,588 | $ 255,000 |
| Arlington-Alexandria-Reston, VA-WV | 67 | $ 28,625,000 | $ 427,238 | $ 205,582 |
| Cambridge-Newton-Framingham, MA | 67 | $ 35,445,000 | $ 529,029 | $ 236,000 |
| New York-Jersey City-White Plains, NY-NJ | 66 | $ 30,380,000 | $ 460,303 | $ 169,560 |
| Riverside-San Bernardino-Ontario, CA | 62 | $ 19,660,000 | $ 317,096 | $ 187,000 |
| Louisville/Jefferson County, KY-IN | 61 | $ 9,725,000 | $ 159,426 | $ 78,311 |
| Durham-Chapel Hill, NC | 60 | $ 17,610,000 | $ 293,500 | $ 160,000 |
| Las Vegas-Henderson-Paradise, NV | 59 | $ 14,965,000 | $ 253,644 | $ 120,000 |
| Richmond, VA | 53 | $ 13,675,000 | $ 258,018 | $ 106,000 |
| Waterbury-Shelton, CT | 53 | $ 14,735,000 | $ 278,018 | $ 148,000 |
| Charleston-North Charleston, SC | 52 | $ 14,300,000 | $ 275,000 | $ 255,000 |
| Washington-Baltimore-Arlington, DC | 49 | $ 18,635,000 | $ 380,306 | $ 145,000 |
| Tampa, FL | 47 | $ 11,635,000 | $ 247,553 | $ 191,000 |
| Grand Rapids-Wyoming, MI | 46 | $ 11,880,000 | $ 258,260 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 44 | $ 14,560,000 | $ 330,909 | $ 269,000 |
| Austin-Round Rock, TX | 43 | $ 12,635,000 | $ 293,837 | $ 136,000 |
| Newark, NJ-PA | 42 | $ 17,440,000 | $ 415,238 | $ 263,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 41 | $ 12,225,000 | $ 298,170 | $ 196,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 41 | $ 17,185,000 | $ 419,146 | $ 139,170 |
| Seattle-Bellevue-Everett, WA | 40 | $ 16,720,000 | $ 418,000 | $ 209,000 |
| Memphis, TN-MS-AR | 38 | $ 9,100,000 | $ 239,473 | $ 133,421 |
| New Haven-Milford, CT | 38 | $ 11,070,000 | $ 291,315 | $ 126,000 |
| Fresno, CA | 37 | $ 10,775,000 | $ 291,216 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 37 | $ 17,475,000 | $ 472,297 | $ 181,000 |
| San Antonio-New Braunfels, TX | 37 | $ 7,375,000 | $ 199,324 | $ 149,000 |
| Camden, NJ | 35 | $ 8,075,000 | $ 230,714 | $ 107,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 35 | $ 9,275,000 | $ 265,000 | $ 167,000 |
| Lakewood-New Brunswick, NJ | 35 | $ 14,625,000 | $ 417,857 | $ 161,000 |
| Montgomery County-Bucks County-Chester County, PA | 35 | $ 10,835,000 | $ 309,571 | $ 162,000 |
| Philadelphia, PA | 35 | $ 7,755,000 | $ 221,571 | $ 121,000 |
| Worcester, MA-CT | 35 | $ 13,745,000 | $ 392,714 | $ 196,000 |
| Kansas City, MO-KS | 34 | $ 5,680,000 | $ 167,058 | $ 98,000 |
| Tacoma-Lakewood, WA | 33 | $ 12,635,000 | $ 382,878 | $ 151,000 |
| Columbus, OH | 32 | $ 8,300,000 | $ 259,375 | $ 126,000 |
| Fort Worth-Arlington, TX | 32 | $ 13,070,000 | $ 408,437 | $ 321,000 |
| Lake County-Kenosha County, IL-WI | 31 | $ 8,005,000 | $ 258,225 | $ 147,000 |
| New Orleans-Metairie, LA | 30 | $ 5,580,000 | $ 186,000 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 7,100,000 | $ 236,666 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 29 | $ 8,155,000 | $ 281,206 | $ 121,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 9,145,000 | $ 315,344 | $ 247,000 |
| Oakland-Hayward-Berkeley, CA | 29 | $ 13,665,000 | $ 471,206 | $ 116,000 |
| Elgin, IL | 26 | $ 6,280,000 | $ 241,538 | $ 142,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 26 | $ 9,250,000 | $ 355,769 | $ 184,000 |
| Boston, MA | 25 | $ 11,895,000 | $ 475,800 | $ 174,000 |
| Jacksonville, FL | 25 | $ 6,155,000 | $ 246,200 | $ 218,000 |
| Wilmington, NC | 25 | $ 8,265,000 | $ 330,600 | $ 310,000 |
| Lexington-Fayette, KY | 24 | $ 5,700,000 | $ 237,500 | $ 96,000 |
| Columbia, SC | 23 | $ 3,815,000 | $ 165,869 | $ 166,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 23 | $ 8,625,000 | $ 375,000 | $ 189,000 |
| Greeley, CO | 22 | $ 8,610,000 | $ 391,363 | $ 187,000 |
| Baton Rouge, LA | 21 | $ 4,805,000 | $ 228,809 | $ 168,000 |
| Vineland-Bridgeton, NJ | 21 | $ 4,295,000 | $ 204,523 | $ 96,000 |
| Cincinnati, OH-KY-IN | 20 | $ 4,270,000 | $ 213,500 | $ 120,421 |
| Greensboro-High Point, NC | 20 | $ 4,980,000 | $ 249,000 | $ 215,000 |
| Knoxville, TN | 20 | $ 4,780,000 | $ 239,000 | $ 76,000 |
| Burlington, NC | 19 | $ 5,185,000 | $ 272,894 | $ 187,000 |
| North Port-Sarasota-Bradenton, FL | 19 | $ 6,295,000 | $ 331,315 | $ 97,000 |
| Pittsburgh, PA | 19 | $ 3,095,000 | $ 162,894 | $ 109,000 |
| Providence-Warwick, RI-MA | 19 | $ 7,755,000 | $ 408,157 | $ 180,526 |
| Wilmington, DE-MD-NJ | 19 | $ 5,565,000 | $ 292,894 | $ 144,368 |
| Winston-Salem, NC | 18 | $ 4,260,000 | $ 236,666 | $ 151,000 |
| Bakersfield, CA | 17 | $ 3,975,000 | $ 233,823 | $ 73,000 |
| San Diego-Carlsbad, CA | 17 | $ 9,345,000 | $ 549,705 | $ 169,000 |
| Savannah, GA | 17 | $ 4,375,000 | $ 257,352 | $ 162,000 |
| Atlantic City-Hammonton, NJ | 16 | $ 4,670,000 | $ 291,875 | $ 147,000 |
| Crestview-Fort Walton Beach-Destin, FL | 16 | $ 4,700,000 | $ 293,750 | $ 123,000 |
| Everett, WA | 16 | $ 7,500,000 | $ 468,750 | $ 193,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 16 | $ 4,110,000 | $ 256,875 | $ 125,000 |
| Ocala, FL | 16 | $ 6,090,000 | $ 380,625 | $ 275,000 |
| Stockton-Lodi, CA | 16 | $ 5,700,000 | $ 356,250 | $ 308,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 3,535,000 | $ 235,666 | $ 132,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 3,365,000 | $ 224,333 | $ 131,000 |
| Gainesville, GA | 15 | $ 4,365,000 | $ 291,000 | $ 104,000 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 4,585,000 | $ 305,666 | $ 326,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 3,995,000 | $ 266,333 | $ 130,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 15 | $ 3,315,000 | $ 221,000 | $ 186,000 |
| Prescott Valley-Prescott, AZ | 15 | $ 3,455,000 | $ 230,333 | $ 167,000 |
| Roanoke, VA | 15 | $ 2,905,000 | $ 193,666 | $ 270,000 |
| St. Louis, MO-IL | 15 | $ 3,175,000 | $ 211,666 | $ 455,000 |
| Trenton, NJ | 15 | $ 4,215,000 | $ 281,000 | $ 98,000 |
| Visalia-Porterville, CA | 15 | $ 3,515,000 | $ 234,333 | $ 103,000 |
| Barnstable Town, MA | 14 | $ 6,000,000 | $ 428,571 | $ 152,000 |
| Lakeland-Winter Haven, FL | 14 | $ 2,770,000 | $ 197,857 | $ 116,000 |
| Port St. Lucie, FL | 14 | $ 3,530,000 | $ 252,142 | $ 112,000 |
| Reno, NV | 14 | $ 3,370,000 | $ 240,714 | $ 108,000 |
| Salem, OR | 14 | $ 4,120,000 | $ 294,285 | $ 98,000 |
| Salt Lake City, UT | 14 | $ 5,040,000 | $ 360,000 | $ 108,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 3,610,000 | $ 257,857 | $ 136,000 |
| Santa Rosa, CA | 13 | $ 6,535,000 | $ 502,692 | $ 143,000 |
| St. Petersburg-Clearwater-Largo, FL | 13 | $ 3,095,000 | $ 238,076 | $ 102,000 |
| Tucson, AZ | 13 | $ 1,815,000 | $ 139,615 | $ 95,000 |
| Anchorage, AK | 12 | $ 1,460,000 | $ 121,666 | $ 229,000 |
| Merced, CA | 12 | $ 3,700,000 | $ 308,333 | $ 91,000 |
| Vallejo-Fairfield, CA | 12 | $ 4,250,000 | $ 354,166 | $ 121,000 |
| Chattanooga, TN-GA | 11 | $ 2,365,000 | $ 215,000 | $ 197,818 |
| Gainesville, FL | 11 | $ 1,755,000 | $ 159,545 | $ 225,000 |
| Rocky Mount, NC | 11 | $ 1,605,000 | $ 145,909 | $ 141,000 |
| Wichita, KS | 11 | $ 2,605,000 | $ 236,818 | $ 110,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 10 | $ 3,690,000 | $ 369,000 | $ 247,000 |
| Gulfport-Biloxi-Pascagoula, MS | 10 | $ 1,470,000 | $ 147,000 | $ 88,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 2,230,000 | $ 223,000 | $ 120,100 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 2,080,000 | $ 208,000 | $ 82,000 |
| Huntsville, AL | 10 | $ 1,460,000 | $ 146,000 | $ 108,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 2,120,000 | $ 212,000 | $ 79,000 |
| Salisbury, MD-DE | 10 | $ 2,350,000 | $ 235,000 | $ 112,000 |
| Slidell-Mandeville-Covington, LA | 10 | $ 1,910,000 | $ 191,000 | $ 110,000 |
| Cleveland, OH | 9 | $ 1,635,000 | $ 181,666 | $ 111,000 |
| Eugene, OR | 9 | $ 2,825,000 | $ 313,888 | $ 135,000 |
| Norwich-New London, CT | 9 | $ 1,805,000 | $ 200,555 | $ 100,000 |
| Oklahoma City, OK | 9 | $ 1,415,000 | $ 157,222 | $ 133,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,645,000 | $ 293,888 | $ 385,000 |
| Tulsa, OK | 9 | $ 1,155,000 | $ 128,333 | $ 47,000 |
| Waco, TX | 9 | $ 1,455,000 | $ 161,666 | $ 0 |
| Amarillo, TX | 8 | $ 1,290,000 | $ 161,250 | $ 369,000 |
| Asheville, NC | 8 | $ 1,890,000 | $ 236,250 | $ 52,000 |
| Lake County-Porter County-Jasper County, IN | 8 | $ 2,090,000 | $ 261,250 | $ 59,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,240,000 | $ 155,000 | $ 171,000 |
| McAllen-Edinburg-Mission, TX | 8 | $ 640,000 | $ 80,000 | $ 164,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,870,000 | $ 233,750 | $ 124,000 |
| Provo-Orem, UT | 8 | $ 3,730,000 | $ 466,250 | $ 244,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 5,450,000 | $ 681,250 | $ 219,000 |
| Spartanburg, SC | 8 | $ 1,870,000 | $ 233,750 | $ 108,000 |
| Beaumont-Port Arthur, TX | 7 | $ 835,000 | $ 119,285 | $ 183,000 |
| Columbus, GA-AL | 7 | $ 745,000 | $ 106,428 | $ 286,000 |
| Flagstaff, AZ | 7 | $ 5,835,000 | $ 833,571 | $ 1,692,000 |
| Portland-South Portland, ME | 7 | $ 2,335,000 | $ 333,571 | $ 133,000 |
| Rockford, IL | 7 | $ 1,255,000 | $ 179,285 | $ 99,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 3,465,000 | $ 495,000 | $ 138,000 |
| Springfield, MA | 7 | $ 2,155,000 | $ 307,857 | $ 191,000 |
| Tuscaloosa, AL | 7 | $ 1,545,000 | $ 220,714 | $ 103,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,850,000 | $ 308,333 | $ 182,000 |
| Bend-Redmond, OR | 6 | $ 2,500,000 | $ 416,666 | $ 240,000 |
| Brownsville-Harlingen, TX | 6 | $ 600,000 | $ 100,000 | $ 47,000 |
| Colorado Springs, CO | 6 | $ 1,770,000 | $ 295,000 | $ 220,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,560,000 | $ 260,000 | $ 121,000 |
| Fort Wayne, IN | 6 | $ 870,000 | $ 145,000 | $ 86,000 |
| Kalamazoo-Portage, MI | 6 | $ 1,540,000 | $ 256,666 | $ 135,000 |
| Kankakee, IL | 6 | $ 950,000 | $ 158,333 | $ 102,000 |
| Lexington Park, MD | 6 | $ 1,870,000 | $ 311,666 | $ 80,000 |
| Manchester-Nashua, NH | 6 | $ 2,090,000 | $ 348,333 | $ 121,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 2,190,000 | $ 365,000 | $ 170,000 |
| Panama City, FL | 6 | $ 840,000 | $ 140,000 | $ 365,000 |
| Pueblo, CO | 6 | $ 510,000 | $ 85,000 | $ 307,000 |
| San Rafael, CA | 6 | $ 3,520,000 | $ 586,666 | $ 202,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 3,070,000 | $ 511,666 | $ 181,000 |
| Sebastian-Vero Beach, FL | 6 | $ 1,040,000 | $ 173,333 | $ 0 |
| Syracuse, NY | 6 | $ 780,000 | $ 130,000 | $ 177,000 |
| Winchester, VA-WV | 6 | $ 1,420,000 | $ 236,666 | $ 64,000 |
| Yakima, WA | 6 | $ 1,230,000 | $ 205,000 | $ 123,000 |
| Bloomington, IN | 5 | $ 1,235,000 | $ 247,000 | $ 88,000 |
| Charleston, WV | 5 | $ 375,000 | $ 75,000 | $ 59,000 |
| Clarksville, TN-KY | 5 | $ 985,000 | $ 197,000 | $ 85,600 |
| Cleveland, TN | 5 | $ 1,685,000 | $ 337,000 | $ 191,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 595,000 | $ 119,000 | $ 90,000 |
| Fayetteville, NC | 5 | $ 785,000 | $ 157,000 | $ 110,000 |
| Fort Collins, CO | 5 | $ 2,485,000 | $ 497,000 | $ 259,000 |
| Grand Junction, CO | 5 | $ 1,785,000 | $ 357,000 | $ 377,000 |
| Macon-Bibb County, GA | 5 | $ 605,000 | $ 121,000 | $ 108,000 |
| Medford, OR | 5 | $ 1,725,000 | $ 345,000 | $ 463,000 |
| Rochester, NY | 5 | $ 705,000 | $ 141,000 | $ 61,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,335,000 | $ 267,000 | $ 125,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 945,000 | $ 189,000 | $ 419,000 |
| St. George, UT | 5 | $ 875,000 | $ 175,000 | $ 74,000 |
| Tallahassee, FL | 5 | $ 1,115,000 | $ 223,000 | $ 134,000 |
| Albuquerque, NM | 4 | $ 600,000 | $ 150,000 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 470,000 | $ 117,500 | $ 74,000 |
| Bangor, ME | 4 | $ 740,000 | $ 185,000 | $ 105,000 |
| Boise City, ID | 4 | $ 1,070,000 | $ 267,500 | $ 188,000 |
| Bowling Green, KY | 4 | $ 790,000 | $ 197,500 | $ 264,000 |
| Canton-Massillon, OH | 4 | $ 450,000 | $ 112,500 | $ 46,000 |
| College Station-Bryan, TX | 4 | $ 410,000 | $ 102,500 | $ 107,000 |
| Dalton, GA | 4 | $ 700,000 | $ 175,000 | $ 103,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 590,000 | $ 147,500 | $ 21,000 |
| Flint, MI | 4 | $ 320,000 | $ 80,000 | $ 86,000 |
| Florence, SC | 4 | $ 1,010,000 | $ 252,500 | $ 78,000 |
| Greenville, NC | 4 | $ 650,000 | $ 162,500 | $ 145,000 |
| Homosassa Springs, FL | 4 | $ 570,000 | $ 142,500 | $ 94,000 |
| Jackson, TN | 4 | $ 1,190,000 | $ 297,500 | $ 155,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,060,000 | $ 265,000 | $ 116,000 |
| Muskegon, MI | 4 | $ 500,000 | $ 125,000 | $ 77,000 |
| Olympia-Tumwater, WA | 4 | $ 1,050,000 | $ 262,500 | $ 317,000 |
| Punta Gorda, FL | 4 | $ 950,000 | $ 237,500 | $ 253,000 |
| Spokane-Spokane Valley, WA | 4 | $ 810,000 | $ 202,500 | $ 55,000 |
| Utica-Rome, NY | 4 | $ 650,000 | $ 162,500 | $ 64,000 |
| Wildwood-The Villages, FL | 4 | $ 770,000 | $ 192,500 | $ 159,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 460,000 | $ 115,000 | $ 64,000 |
| Yuma, AZ | 4 | $ 450,000 | $ 112,500 | $ 105,000 |
| Akron, OH | 3 | $ 885,000 | $ 295,000 | $ 300,000 |
| Albany, GA | 3 | $ 295,000 | $ 98,333 | $ 40,000 |
| Albany, OR | 3 | $ 1,045,000 | $ 348,333 | $ 121,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,675,000 | $ 558,333 | $ 175,000 |
| Auburn-Opelika, AL | 3 | $ 575,000 | $ 191,666 | $ 108,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,115,000 | $ 371,666 | $ 180,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 395,000 | $ 131,666 | $ 217,000 |
| Chico, CA | 3 | $ 1,025,000 | $ 341,666 | $ 0 |
| Decatur, AL | 3 | $ 365,000 | $ 121,666 | $ 171,000 |
| Des Moines-West Des Moines, IA | 3 | $ 625,000 | $ 208,333 | $ 119,000 |
| Evansville, IN-KY | 3 | $ 245,000 | $ 81,666 | $ 69,000 |
| Fairbanks, AK | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Kennewick-Richland, WA | 3 | $ 885,000 | $ 295,000 | $ 198,000 |
| Lake Charles, LA | 3 | $ 355,000 | $ 118,333 | $ 156,000 |
| Lubbock, TX | 3 | $ 525,000 | $ 175,000 | $ 160,000 |
| Lynchburg, VA | 3 | $ 845,000 | $ 281,666 | $ 137,000 |
| Michigan City-La Porte, IN | 3 | $ 445,000 | $ 148,333 | $ 72,000 |
| Midland, TX | 3 | $ 775,000 | $ 258,333 | $ 76,000 |
| Monroe, LA | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Ogden-Clearfield, UT | 3 | $ 1,425,000 | $ 475,000 | $ 243,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 675,000 | $ 225,000 | $ 328,000 |
| Reading, PA | 3 | $ 415,000 | $ 138,333 | $ 68,000 |
| Saginaw, MI | 3 | $ 415,000 | $ 138,333 | $ 221,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,165,000 | $ 388,333 | $ 154,000 |
| Sherman-Denison, TX | 3 | $ 1,025,000 | $ 341,666 | $ 258,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 465,000 | $ 155,000 | $ 33,000 |
| Staunton-Waynesboro, VA | 3 | $ 515,000 | $ 171,666 | $ 99,000 |
| Athens-Clarke County, GA | 2 | $ 590,000 | $ 295,000 | $ 247,000 |
| Billings, MT | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Binghamton, NY | 2 | $ 420,000 | $ 210,000 | $ 70,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 210,000 | $ 105,000 | $ 180,000 |
| Bozeman, MT | 2 | $ 580,000 | $ 290,000 | $ 540,000 |
| Champaign-Urbana, IL | 2 | $ 250,000 | $ 125,000 | $ 63,000 |
| Columbia, MO | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Columbus, IN | 2 | $ 500,000 | $ 250,000 | $ 52,000 |
| Corpus Christi, TX | 2 | $ 310,000 | $ 155,000 | $ 70,000 |
| Corvallis, OR | 2 | $ 810,000 | $ 405,000 | $ 105,000 |
| Decatur, IL | 2 | $ 180,000 | $ 90,000 | $ 59,000 |
| Dover, DE | 2 | $ 360,000 | $ 180,000 | $ 104,000 |
| Gadsden, AL | 2 | $ 320,000 | $ 160,000 | $ 95,000 |
| Great Falls, MT | 2 | $ 520,000 | $ 260,000 | $ 80,000 |
| Harrisburg-Carlisle, PA | 2 | $ 340,000 | $ 170,000 | $ 72,000 |
| Idaho Falls, ID | 2 | $ 1,680,000 | $ 840,000 | $ 471,000 |
| Jackson, MI | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Jacksonville, NC | 2 | $ 350,000 | $ 175,000 | $ 84,000 |
| Johnson City, TN | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Killeen-Temple, TX | 2 | $ 200,000 | $ 100,000 | $ 128,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 280,000 | $ 140,000 | $ 50,000 |
| Lebanon, PA | 2 | $ 440,000 | $ 220,000 | $ 40,000 |
| Lewiston-Auburn, ME | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 240,000 | $ 120,000 | $ 69,000 |
| Longview, TX | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Longview, WA | 2 | $ 520,000 | $ 260,000 | $ 42,000 |
| Madison, WI | 2 | $ 450,000 | $ 225,000 | $ 71,000 |
| Missoula, MT | 2 | $ 660,000 | $ 330,000 | $ 193,000 |
| Montgomery, AL | 2 | $ 210,000 | $ 105,000 | $ 64,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Pinehurst-Southern Pines, NC | 2 | $ 120,000 | $ 60,000 | $ 50,000 |
| Pocatello, ID | 2 | $ 580,000 | $ 290,000 | $ 156,000 |
| Redding, CA | 2 | $ 380,000 | $ 190,000 | $ 92,000 |
| Rome, GA | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Salinas, CA | 2 | $ 1,040,000 | $ 520,000 | $ 133,000 |
| San Angelo, TX | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Sebring, FL | 2 | $ 290,000 | $ 145,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 240,000 | $ 120,000 | $ 65,000 |
| Terre Haute, IN | 2 | $ 150,000 | $ 75,000 | $ 48,000 |
| Toledo, OH | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Traverse City, MI | 2 | $ 200,000 | $ 100,000 | $ 61,000 |
| Tyler, TX | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Urban Honolulu, HI | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Victoria, TX | 2 | $ 150,000 | $ 75,000 | $ 46,000 |
| Yuba City, CA | 2 | $ 620,000 | $ 310,000 | $ 406,000 |
| Ann Arbor, MI | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Appleton, WI | 1 | $ 345,000 | $ 345,000 | $ 229,000 |
| Battle Creek, MI | 1 | $ 2,625,000 | $ 2,625,000 | $ 0 |
| Bellingham, WA | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Bloomington, IL | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Boulder, CO | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Carson City, NV | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Charlottesville, VA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cheyenne, WY | 1 | $ 405,000 | $ 405,000 | $ 1,030,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Duluth, MN-WI | 1 | $ 435,000 | $ 435,000 | $ 118,000 |
| El Paso, TX | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 165,000 | $ 165,000 | $ 229,000 |
| Erie, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 145,000 | $ 145,000 | $ 250,000 |
| Florence-Muscle Shoals, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Gettysburg, PA | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Goldsboro, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Green Bay, WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hammond, LA | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Hanford-Corcoran, CA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Hinesville, GA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Ithaca, NY | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Lafayette-West Lafayette, IN | 1 | $ 265,000 | $ 265,000 | $ 103,000 |
| Laredo, TX | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Logan, UT-ID | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Mansfield, OH | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| Mobile, AL | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Modesto, CA | 1 | $ 435,000 | $ 435,000 | $ 112,000 |
| Monroe, MI | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Napa, CA | 1 | $ 545,000 | $ 545,000 | $ 123,000 |
| Niles-Benton Harbor, MI | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Parkersburg-Vienna, WV | 1 | $ 285,000 | $ 285,000 | $ 63,000 |
| Peoria, IL | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Pittsfield, MA | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Rapid City, SD | 1 | $ 405,000 | $ 405,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 685,000 | $ 685,000 | $ 144,000 |
| Sandusky, OH | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Santa Fe, NM | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Springfield, OH | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Sumter, SC | 1 | $ 215,000 | $ 215,000 | $ 170,000 |
| Watertown-Fort Drum, NY | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Wausau, WI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wenatchee, WA | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Wichita Falls, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| York-Hanover, PA | 1 | $ 285,000 | $ 285,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2025
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 | 4,708 | $1,332,750,000 | $283,000 | $5,995,000 | $160,000 | $5,939,000 |
| Cash-out Refinancing | 431 | $127,905,000 | $296,000 | $1,505,000 | $133,000 | $988,000 |
| Refinancing | 360 | $115,270,000 | $320,000 | $1,135,000 | $145,000 | $1,427,000 |
| Other Purpose | 243 | $58,775,000 | $241,000 | $1,505,000 | $174,000 | $2,988,000 |
| Home Improvement | 176 | $35,650,000 | $202,000 | $955,000 | $163,000 | $1,440,000 |
| Not Applicable | 85 | $11,775,000 | $138,000 | $1,265,000 | $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 | 2,957 | $852,675,000 | $288,000 | $2,925,000 | $151,000 | $2,988,000 |
| Not applicable | 1,838 | $494,540,000 | $269,000 | $5,995,000 | $133,000 | $1,809,000 |
| White | 639 | $174,435,000 | $272,000 | $2,735,000 | $189,000 | $5,939,000 |
| Not Provided | 396 | $114,030,000 | $287,000 | $1,255,000 | $161,000 | $1,801,000 |
| Black or African American | 98 | $23,850,000 | $243,000 | $1,005,000 | $150,000 | $967,000 |
| Asian | 60 | $18,900,000 | $315,000 | $1,295,000 | $169,000 | $924,000 |
| American Indian or Alaskan Native | 11 | $2,675,000 | $243,000 | $695,000 | $195,000 | $750,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,020,000 | $255,000 | $405,000 | $95,000 | $116,000 |
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) | 6,003 | $1,682,125,000 | $280,000 | $5,995,000 | $157,000 | $5,939,000 |
| 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 | 2,709 | $790,275,000 | $291,000 | $3,025,000 | $153,000 | $2,694,000 |
| Loan Purchased By The Institution | 1,758 | $456,040,000 | $259,000 | $1,395,000 | $133,000 | $1,809,000 |
| Application Withdrawn By Applicant | 910 | $257,560,000 | $283,000 | $5,995,000 | $159,000 | $5,939,000 |
| Application Denied By Financial Institution | 560 | $156,360,000 | $279,000 | $2,925,000 | $173,000 | $1,967,000 |
| Application Approved But Not Accepted | 37 | $14,885,000 | $402,000 | $3,005,000 | $189,000 | $1,165,000 |
| File Closed For Incompleteness | 29 | $7,005,000 | $241,000 | $675,000 | $232,000 | $1,502,000 |
| 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 | 5,443 | $1,525,765,000 | $280,000 | $5,995,000 | $155,000 | $5,939,000 |
| Collateral | 219 | $57,995,000 | $264,000 | $2,735,000 | $223,000 | $1,967,000 |
| Credit History | 125 | $36,235,000 | $289,000 | $1,805,000 | $136,000 | $655,000 |
| Credit Application Incomplete | 81 | $23,985,000 | $296,000 | $1,255,000 | $173,000 | $1,153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 43 | $15,665,000 | $364,000 | $2,925,000 | $143,000 | $932,000 |
| Other | 36 | $8,350,000 | $231,000 | $595,000 | $142,000 | $646,000 |
| Debt-To-Income Ratio | 35 | $7,915,000 | $226,000 | $455,000 | $66,000 | $150,000 |
| Unverifiable Information | 20 | $6,070,000 | $303,000 | $605,000 | $164,000 | $550,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $115,000 | $115,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2025 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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