First National Bank of America Mortgage Lending & HMDA Data, 2005
In 2005, First National Bank of America of East Lansing, MI reported 2,971 mortgage applications totaling $133.0 million, up 17% from 2004. The average application was for $44,759, and applicants reported an average income of $35,608. 28% of its applications resulted in an originated loan and 62% were denied. Its largest markets were Flint, MI (138), Grand Rapids-Wyoming, MI (102) and Tampa-St. Petersburg-Clearwater, FL (67) (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 | 2,971 |
| Total Mortgage Loan Application Amount | $132,981,000 |
| Average Mortgage Loan Application Amount | $44,759 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $35,608 |
| Highest Applicant Income | $550,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Flint, MI | 138 | $ 3,687,000 | $ 26,717 | $ 29,000 |
| Grand Rapids-Wyoming, MI | 102 | $ 5,599,000 | $ 54,892 | $ 36,000 |
| Tampa-St. Petersburg-Clearwater, FL | 67 | $ 2,768,000 | $ 41,313 | $ 32,000 |
| Youngstown-Warren-Boardman, OH-PA | 52 | $ 1,171,000 | $ 22,519 | $ 32,000 |
| Muskegon-Norton Shores, MI | 50 | $ 1,801,000 | $ 36,020 | $ 33,000 |
| Battle Creek, MI | 49 | $ 2,169,000 | $ 44,265 | $ 36,000 |
| Jacksonville, FL | 49 | $ 2,222,000 | $ 45,346 | $ 33,000 |
| Kalamazoo-Portage, MI | 49 | $ 2,111,000 | $ 43,081 | $ 34,000 |
| Lakeland, FL | 48 | $ 1,605,000 | $ 33,437 | $ 32,000 |
| Lansing-East Lansing, MI | 48 | $ 3,956,000 | $ 82,416 | $ 39,000 |
| Warren-Farmington Hills-Troy, MI | 47 | $ 2,810,000 | $ 59,787 | $ 39,000 |
| Orlando, FL | 45 | $ 2,653,000 | $ 58,955 | $ 41,000 |
| Jackson, MI | 44 | $ 2,475,000 | $ 56,250 | $ 39,000 |
| Niles-Benton Harbor, MI | 39 | $ 1,175,000 | $ 30,128 | $ 31,000 |
| Ocala, FL | 34 | $ 1,310,000 | $ 38,529 | $ 41,000 |
| Columbus, OH | 30 | $ 1,401,000 | $ 46,700 | $ 37,000 |
| Tallahassee, FL | 30 | $ 1,331,000 | $ 44,366 | $ 40,000 |
| Saginaw-Saginaw Township North, MI | 27 | $ 1,050,000 | $ 38,888 | $ 31,000 |
| Pensacola-Ferry Pass-Brent, FL | 21 | $ 685,000 | $ 32,619 | $ 22,000 |
| Panama City-Lynn Haven, FL | 20 | $ 1,253,000 | $ 62,650 | $ 39,000 |
| Detroit-Livonia-Dearborn, MI | 19 | $ 851,000 | $ 44,789 | $ 47,000 |
| Gainesville, FL | 19 | $ 691,000 | $ 36,368 | $ 37,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 19 | $ 937,000 | $ 49,315 | $ 36,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 1,124,000 | $ 66,117 | $ 35,000 |
| Canton-Massillon, OH | 16 | $ 459,000 | $ 28,687 | $ 27,000 |
| Cincinnati-Middletown, OH-KY-IN | 16 | $ 635,000 | $ 39,687 | $ 33,000 |
| Cleveland-Elyria-Mentor, OH | 16 | $ 830,000 | $ 51,875 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 1,046,000 | $ 65,375 | $ 66,000 |
| Bay City, MI | 14 | $ 733,000 | $ 52,357 | $ 43,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 806,000 | $ 57,571 | $ 35,000 |
| Fort Walton Beach-Crestview-Destin, FL | 14 | $ 434,000 | $ 31,000 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 707,000 | $ 50,500 | $ 26,000 |
| Springfield, OH | 13 | $ 514,000 | $ 39,538 | $ 32,000 |
| Indianapolis, IN | 11 | $ 697,000 | $ 63,363 | $ 48,000 |
| Sarasota-Bradenton-Venice, FL | 11 | $ 507,000 | $ 46,090 | $ 46,000 |
| Dayton, OH | 10 | $ 362,000 | $ 36,200 | $ 28,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 494,000 | $ 49,400 | $ 29,000 |
| Eau Claire, WI | 9 | $ 533,000 | $ 59,222 | $ 31,000 |
| Lima, OH | 9 | $ 155,000 | $ 17,222 | $ 21,000 |
| Monroe, MI | 9 | $ 419,000 | $ 46,555 | $ 33,000 |
| Janesville, WI | 8 | $ 415,000 | $ 51,875 | $ 29,000 |
| Green Bay, WI | 7 | $ 429,000 | $ 61,285 | $ 31,000 |
| Naples-Marco Island, FL | 6 | $ 306,000 | $ 51,000 | $ 55,000 |
| Dallas-Plano-Irving, TX | 5 | $ 108,000 | $ 21,600 | $ 22,000 |
| Fort Wayne, IN | 5 | $ 164,000 | $ 32,800 | $ 48,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 487,000 | $ 97,400 | $ 52,000 |
| Sandusky, OH | 5 | $ 102,000 | $ 20,400 | $ 23,000 |
| Toledo, OH | 5 | $ 125,000 | $ 25,000 | $ 27,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 236,000 | $ 59,000 | $ 38,000 |
| Holland-Grand Haven, MI | 4 | $ 276,000 | $ 69,000 | $ 32,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 112,000 | $ 28,000 | $ 46,000 |
| Punta Gorda, FL | 4 | $ 60,000 | $ 15,000 | $ 19,000 |
| Appleton, WI | 3 | $ 206,000 | $ 68,666 | $ 74,000 |
| Birmingham-Hoover, AL | 3 | $ 110,000 | $ 36,666 | $ 30,000 |
| Evansville, IN-KY | 3 | $ 129,000 | $ 43,000 | $ 42,000 |
| Fort Worth-Arlington, TX | 3 | $ 143,000 | $ 47,666 | $ 23,000 |
| Madison, WI | 3 | $ 331,000 | $ 110,333 | $ 45,000 |
| Montgomery, AL | 3 | $ 87,000 | $ 29,000 | $ 58,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 78,000 | $ 26,000 | $ 41,000 |
| Sheboygan, WI | 3 | $ 80,000 | $ 26,666 | $ 35,000 |
| Elkhart-Goshen, IN | 2 | $ 125,000 | $ 62,500 | $ 27,000 |
| Gary, IN | 2 | $ 138,000 | $ 69,000 | $ 53,000 |
| Wausau, WI | 2 | $ 105,000 | $ 52,500 | $ 36,000 |
| Abilene, TX | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Alexandria, LA | 1 | $ 22,000 | $ 22,000 | $ 8,000 |
| Ann Arbor, MI | 1 | $ 42,000 | $ 42,000 | $ 75,000 |
| Anniston-Oxford, AL | 1 | $ 22,000 | $ 22,000 | $ 54,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 16,000 | $ 16,000 | $ 8,000 |
| Brownsville-Harlingen, TX | 1 | $ 34,000 | $ 34,000 | $ 40,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 3,000 | $ 3,000 | $ 18,000 |
| Cleveland, TN | 1 | $ 12,000 | $ 12,000 | $ 19,000 |
| Colorado Springs, CO | 1 | $ 109,000 | $ 109,000 | $ 92,000 |
| Des Moines, IA | 1 | $ 27,000 | $ 27,000 | $ 49,000 |
| El Centro, CA | 1 | $ 36,000 | $ 36,000 | $ 11,000 |
| Fort Smith, AR-OK | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Grand Junction, CO | 1 | $ 43,000 | $ 43,000 | $ 36,000 |
| Hattiesburg, MS | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Hot Springs, AR | 1 | $ 26,000 | $ 26,000 | $ 17,000 |
| La Crosse, WI-MN | 1 | $ 53,000 | $ 53,000 | $ 30,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 71,000 | $ 71,000 | $ 57,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 58,000 | $ 58,000 | $ 206,000 |
| Odessa, TX | 1 | $ 13,000 | $ 13,000 | $ 18,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 11,000 | $ 11,000 | $ 44,000 |
| Racine, WI | 1 | $ 76,000 | $ 76,000 | $ 25,000 |
| Rockford, IL | 1 | $ 12,000 | $ 12,000 | $ 52,000 |
| San Angelo, TX | 1 | $ 39,000 | $ 39,000 | $ 17,000 |
| San Antonio, TX | 1 | $ 47,000 | $ 47,000 | $ 30,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Terre Haute, IN | 1 | $ 63,000 | $ 63,000 | $ 48,000 |
| Wichita Falls, TX | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Winston-Salem, NC | 1 | $ 10,000 | $ 10,000 | $ 12,000 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2005
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 Improvement | 1,587 | $53,425,000 | $29,117 | $250,000 | $40,823 | $420,000 |
| Refinancing | 1,089 | $63,646,000 | $42,214 | $475,000 | $36,142 | $550,000 |
| Home Purchase | 295 | $15,910,000 | $47,250 | $199,000 | $52,000 | $225,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,963 | $92,891,000 | $39,470 | $326,000 | $47,941 | $420,000 |
| Black or African American | 363 | $12,106,000 | $30,600 | $245,000 | $32,400 | $550,000 |
| Not Provided | 355 | $16,667,000 | $33,727 | $475,000 | $35,181 | $225,000 |
| American Indian or Alaskan Native | 170 | $6,038,000 | $38,333 | $187,000 | $27,444 | $112,000 |
| Hispanic | 104 | $4,344,000 | $34,272 | $168,000 | $31,000 | $90,000 |
| Asian | 9 | $481,000 | $52,000 | $85,000 | $42,750 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $454,000 | $51,750 | $105,000 | $54,750 | $186,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,971 | $132,981,000 | $35,173 | $475,000 | $40,956 | $550,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,848 | $93,156,000 | $41,235 | $475,000 | $40,058 | $550,000 |
| Loan Originated | 821 | $31,459,000 | $26,416 | $371,000 | $34,583 | $300,000 |
| Application Approved But Not Accepted | 277 | $6,751,000 | $27,500 | $125,000 | $35,333 | $206,000 |
| Application Withdrawn By Applicant | 20 | $1,402,000 | $48,200 | $180,000 | $24,000 | $92,000 |
| File Closed For Incompleteness | 5 | $213,000 | $47,000 | $103,000 | $42,000 | $68,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 1,134 | $54,763,000 | $41,500 | $276,000 | $55,333 | $260,000 |
| Collateral | 358 | $19,437,000 | $47,555 | $475,000 | $40,111 | $420,000 |
| Debt-To-Income Ratio | 288 | $15,499,000 | $46,900 | $249,000 | $24,700 | $550,000 |
| Employment History | 22 | $975,000 | $49,200 | $148,000 | $37,400 | $86,000 |
| Unverifiable Information | 19 | $1,369,000 | $73,000 | $250,000 | $84,750 | $192,000 |
| Other | 17 | $619,000 | $33,000 | $133,000 | $35,142 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $481,000 | $37,666 | $118,000 | $20,000 | $48,000 |
| Credit Application Incomplete | 1 | $13,000 | $13,000 | $13,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2005 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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