First National Bank of America Mortgage Lending & HMDA Data, 2006
In 2006, First National Bank of America of East Lansing, MI reported 4,053 mortgage applications totaling $197.9 million, up 36% from 2005. The average application was for $48,839, and applicants reported an average income of $39,331. 28% of its applications resulted in an originated loan and 61% were denied. Its largest markets were Grand Rapids-Wyoming, MI (172), Tampa-St. Petersburg-Clearwater, FL (161) and Flint, MI (118) (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 | 4,053 |
| Total Mortgage Loan Application Amount | $197,945,000 |
| Average Mortgage Loan Application Amount | $48,839 |
| Highest Mortgage Loan Application Amount | $1,260,000 |
| Average Applicant Income | $39,331 |
| Highest Applicant Income | $7,267,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Grand Rapids-Wyoming, MI | 172 | $ 7,461,000 | $ 43,377 | $ 37,000 |
| Tampa-St. Petersburg-Clearwater, FL | 161 | $ 11,103,000 | $ 68,962 | $ 43,000 |
| Flint, MI | 118 | $ 3,271,000 | $ 27,720 | $ 32,000 |
| Jacksonville, FL | 99 | $ 5,165,000 | $ 52,171 | $ 39,000 |
| Lakeland, FL | 84 | $ 4,409,000 | $ 52,488 | $ 39,000 |
| Lansing-East Lansing, MI | 76 | $ 5,226,000 | $ 68,763 | $ 44,000 |
| Jackson, MI | 75 | $ 4,084,000 | $ 54,453 | $ 40,000 |
| Orlando-Kissimmee, FL | 70 | $ 3,837,000 | $ 54,814 | $ 40,000 |
| Kalamazoo-Portage, MI | 66 | $ 2,805,000 | $ 42,500 | $ 37,000 |
| Warren-Troy-Farmington Hills, MI | 64 | $ 5,506,000 | $ 86,031 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 63 | $ 2,530,000 | $ 40,158 | $ 42,000 |
| Youngstown-Warren-Boardman, OH-PA | 57 | $ 1,069,000 | $ 18,754 | $ 25,000 |
| Muskegon-Norton Shores, MI | 50 | $ 2,185,000 | $ 43,700 | $ 30,000 |
| Ocala, FL | 50 | $ 2,591,000 | $ 51,820 | $ 38,000 |
| Tallahassee, FL | 48 | $ 2,104,000 | $ 43,833 | $ 35,000 |
| Battle Creek, MI | 46 | $ 1,942,000 | $ 42,217 | $ 29,000 |
| Niles-Benton Harbor, MI | 41 | $ 2,739,000 | $ 66,804 | $ 28,000 |
| Saginaw-Saginaw Township North, MI | 41 | $ 1,459,000 | $ 35,585 | $ 31,000 |
| Detroit-Livonia-Dearborn, MI | 40 | $ 2,477,000 | $ 61,925 | $ 55,000 |
| Sarasota-Bradenton-Venice, FL | 34 | $ 2,135,000 | $ 62,794 | $ 38,000 |
| Columbus, OH | 30 | $ 1,062,000 | $ 35,400 | $ 25,000 |
| Cincinnati-Middletown, OH-KY-IN | 29 | $ 1,534,000 | $ 52,896 | $ 32,448 |
| Palm Bay-Melbourne-Titusville, FL | 23 | $ 1,109,000 | $ 48,217 | $ 31,000 |
| South Bend-Mishawaka, IN-MI | 22 | $ 943,000 | $ 42,863 | $ 35,000 |
| Bay City, MI | 21 | $ 1,023,000 | $ 48,714 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 950,000 | $ 45,238 | $ 49,000 |
| Dayton, OH | 21 | $ 795,000 | $ 37,857 | $ 35,000 |
| Panama City-Lynn Haven, FL | 21 | $ 1,111,000 | $ 52,904 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 20 | $ 1,460,000 | $ 73,000 | $ 47,000 |
| Knoxville, TN | 19 | $ 552,000 | $ 29,052 | $ 29,000 |
| Huntington-Ashland, WV-KY-OH | 18 | $ 620,000 | $ 34,444 | $ 24,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 18 | $ 1,520,000 | $ 84,444 | $ 44,000 |
| Gainesville, FL | 17 | $ 923,000 | $ 54,294 | $ 39,000 |
| Port St. Lucie-Fort Pierce, FL | 17 | $ 945,000 | $ 55,588 | $ 66,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 987,000 | $ 65,800 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 13 | $ 552,000 | $ 42,461 | $ 23,000 |
| Wheeling, WV-OH | 12 | $ 305,000 | $ 25,416 | $ 23,000 |
| Duluth, MN-WI | 11 | $ 558,000 | $ 50,727 | $ 32,000 |
| Memphis, TN-MS-AR | 11 | $ 491,000 | $ 44,636 | $ 31,545 |
| Parkersburg-Marietta-Vienna, WV-OH | 11 | $ 445,000 | $ 40,454 | $ 40,000 |
| Appleton, WI | 10 | $ 584,000 | $ 58,400 | $ 37,000 |
| Canton-Massillon, OH | 10 | $ 458,000 | $ 45,800 | $ 39,000 |
| Janesville, WI | 10 | $ 462,000 | $ 46,200 | $ 41,000 |
| Punta Gorda, FL | 10 | $ 648,000 | $ 64,800 | $ 50,000 |
| Indianapolis-Carmel, IN | 9 | $ 461,000 | $ 51,222 | $ 49,000 |
| Springfield, OH | 9 | $ 330,000 | $ 36,666 | $ 37,000 |
| Cleveland, TN | 8 | $ 377,000 | $ 47,125 | $ 30,000 |
| Fort Walton Beach-Crestview-Destin, FL | 8 | $ 521,000 | $ 65,125 | $ 48,000 |
| Gadsden, AL | 8 | $ 211,000 | $ 26,375 | $ 33,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 267,000 | $ 33,375 | $ 28,000 |
| Chattanooga, TN-GA | 7 | $ 298,000 | $ 42,571 | $ 31,000 |
| Eau Claire, WI | 7 | $ 302,000 | $ 43,142 | $ 30,000 |
| Jackson, TN | 7 | $ 262,000 | $ 37,428 | $ 43,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 310,000 | $ 44,285 | $ 50,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 564,000 | $ 80,571 | $ 52,000 |
| Naples-Marco Island, FL | 7 | $ 727,000 | $ 103,857 | $ 77,000 |
| Anniston-Oxford, AL | 6 | $ 187,000 | $ 31,166 | $ 33,000 |
| Evansville, IN-KY | 6 | $ 282,000 | $ 47,000 | $ 46,000 |
| Fort Wayne, IN | 6 | $ 289,000 | $ 48,166 | $ 54,000 |
| Green Bay, WI | 6 | $ 459,000 | $ 76,500 | $ 37,000 |
| Holland-Grand Haven, MI | 6 | $ 390,000 | $ 65,000 | $ 38,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 360,000 | $ 60,000 | $ 36,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 785,000 | $ 130,833 | $ 53,000 |
| New York-White Plains-Wayne, NY-NJ | 6 | $ 245,000 | $ 40,833 | $ 63,000 |
| Sandusky, OH | 6 | $ 242,000 | $ 40,333 | $ 22,000 |
| Wausau, WI | 6 | $ 295,000 | $ 49,166 | $ 39,000 |
| Auburn-Opelika, AL | 5 | $ 264,000 | $ 52,800 | $ 41,000 |
| Jackson, MS | 5 | $ 216,000 | $ 43,200 | $ 48,000 |
| Mansfield, OH | 5 | $ 254,000 | $ 50,800 | $ 29,000 |
| Pascagoula, MS | 5 | $ 162,000 | $ 32,400 | $ 42,000 |
| Racine, WI | 5 | $ 357,000 | $ 71,400 | $ 43,000 |
| Sebastian-Vero Beach, FL | 5 | $ 387,000 | $ 77,400 | $ 30,000 |
| Sheboygan, WI | 5 | $ 252,000 | $ 50,400 | $ 43,000 |
| Toledo, OH | 5 | $ 321,000 | $ 64,200 | $ 36,000 |
| Ann Arbor, MI | 4 | $ 261,000 | $ 65,250 | $ 51,000 |
| Bloomington, IN | 4 | $ 235,000 | $ 58,750 | $ 26,000 |
| Fond Du Lac, WI | 4 | $ 346,000 | $ 86,500 | $ 44,000 |
| Gary, IN | 4 | $ 280,000 | $ 70,000 | $ 40,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 71,000 | $ 17,750 | $ 23,000 |
| Monroe, MI | 4 | $ 201,000 | $ 50,250 | $ 63,000 |
| Morristown, TN | 4 | $ 197,000 | $ 49,250 | $ 24,000 |
| Akron, OH | 3 | $ 65,000 | $ 21,666 | $ 46,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 258,000 | $ 86,000 | $ 54,000 |
| Madison, WI | 3 | $ 183,000 | $ 61,000 | $ 46,000 |
| Beaumont-Port Arthur, TX | 2 | $ 50,000 | $ 25,000 | $ 42,000 |
| Birmingham-Hoover, AL | 2 | $ 128,000 | $ 64,000 | $ 70,000 |
| Dothan, AL | 2 | $ 67,000 | $ 33,500 | $ 67,000 |
| Hattiesburg, MS | 2 | $ 59,000 | $ 29,500 | $ 15,000 |
| Johnson City, TN | 2 | $ 80,000 | $ 40,000 | $ 33,000 |
| Lima, OH | 2 | $ 38,000 | $ 19,000 | $ 17,000 |
| Michigan City-La Porte, IN | 2 | $ 55,000 | $ 27,500 | $ 12,000 |
| Oshkosh-Neenah, WI | 2 | $ 145,000 | $ 72,500 | $ 33,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 47,000 | $ 23,500 | $ 30,000 |
| Anderson, IN | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 17,000 | $ 17,000 | $ 10,000 |
| Boston-Quincy, MA | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Cedar Rapids, IA | 1 | $ 22,000 | $ 22,000 | $ 180,000 |
| Clarksville, TN-KY | 1 | $ 28,000 | $ 28,000 | $ 17,000 |
| Columbia, SC | 1 | $ 17,000 | $ 17,000 | $ 33,000 |
| Columbus, GA-AL | 1 | $ 8,000 | $ 8,000 | $ 13,000 |
| Des Moines-West Des Moines, IA | 1 | $ 21,000 | $ 21,000 | $ 12,000 |
| Dubuque, IA | 1 | $ 23,000 | $ 23,000 | $ 55,000 |
| Gainesville, GA | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Gulfport-Biloxi, MS | 1 | $ 86,000 | $ 86,000 | $ 23,000 |
| La Crosse, WI-MN | 1 | $ 29,000 | $ 29,000 | $ 36,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Las Vegas-Paradise, NV | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 8,000 | $ 8,000 | $ 22,000 |
| Mobile, AL | 1 | $ 10,000 | $ 10,000 | $ 39,000 |
| Oklahoma City, OK | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Philadelphia, PA | 1 | $ 68,000 | $ 68,000 | $ 108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 30,000 | $ 30,000 | $ 74,000 |
| Prescott, AZ | 1 | $ 28,000 | $ 28,000 | $ 25,000 |
| Rochester, NY | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Spartanburg, SC | 1 | $ 23,000 | $ 23,000 | $ 14,000 |
| Wichita Falls, TX | 1 | $ 36,000 | $ 36,000 | $ 40,000 |
| Yuba City, CA | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2006
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 | 2,137 | $79,192,000 | $37,000 | $500,000 | $33,000 | $538,000 |
| Refinancing | 1,539 | $95,439,000 | $62,000 | $500,000 | $46,000 | $7,267,000 |
| Home Purchase | 377 | $23,314,000 | $61,000 | $1,260,000 | $48,000 | $310,000 |
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 | 2,661 | $137,763,000 | $51,000 | $1,260,000 | $40,000 | $7,267,000 |
| Not Provided | 633 | $29,183,000 | $46,000 | $300,000 | $39,000 | $538,000 |
| Black or African American | 441 | $15,770,000 | $35,000 | $195,000 | $33,000 | $181,000 |
| American Indian or Alaskan Native | 166 | $6,848,000 | $41,000 | $360,000 | $34,000 | $157,000 |
| Hispanic | 136 | $7,220,000 | $53,000 | $214,000 | $39,000 | $114,000 |
| Asian | 10 | $623,000 | $62,000 | $196,000 | $49,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $538,000 | $89,000 | $191,000 | $35,000 | $54,000 |
| 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) | 4,053 | $197,945,000 | $48,000 | $1,260,000 | $39,000 | $7,267,000 |
| 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 | 2,469 | $138,483,000 | $56,000 | $1,260,000 | $42,000 | $7,267,000 |
| Loan Originated | 1,125 | $45,709,000 | $40,000 | $385,000 | $38,000 | $538,000 |
| Application Approved But Not Accepted | 436 | $12,029,000 | $27,000 | $245,000 | $30,000 | $183,000 |
| Application Withdrawn By Applicant | 16 | $1,320,000 | $82,000 | $455,000 | $23,000 | $108,000 |
| File Closed For Incompleteness | 7 | $404,000 | $57,000 | $205,000 | $35,000 | $83,000 |
| 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 | 1,322 | $72,950,000 | $55,000 | $500,000 | $45,000 | $7,267,000 |
| Collateral | 485 | $27,881,000 | $57,000 | $1,260,000 | $45,000 | $251,000 |
| Debt-To-Income Ratio | 456 | $26,791,000 | $58,000 | $500,000 | $29,000 | $230,000 |
| Other | 149 | $6,907,000 | $46,000 | $160,000 | $39,000 | $251,000 |
| Unverifiable Information | 38 | $3,141,000 | $82,000 | $439,000 | $61,000 | $264,000 |
| Employment History | 14 | $562,000 | $40,000 | $98,000 | $25,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $251,000 | $50,000 | $131,000 | $28,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2006 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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