First National Bank of America Mortgage Lending & HMDA Data, 2011
In 2011, First National Bank of America of East Lansing, MI reported 1,763 mortgage applications totaling $142.5 million, down 40% from 2010. The average application was for $80,801, and applicants reported an average income of $29,420. 20% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Lansing-East Lansing, MI (86), Tampa-St. Petersburg-Clearwater, FL (56) and Grand Rapids-Wyoming, MI (50) (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 | 1,763 |
| Total Mortgage Loan Application Amount | $142,453,000 |
| Average Mortgage Loan Application Amount | $80,801 |
| Highest Mortgage Loan Application Amount | $4,820,000 |
| Average Applicant Income | $29,420 |
| Highest Applicant Income | $653,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lansing-East Lansing, MI | 86 | $ 21,493,000 | $ 249,918 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 56 | $ 3,559,000 | $ 63,553 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 50 | $ 2,837,000 | $ 56,740 | $ 46,000 |
| Houston-Sugar Land-Baytown, TX | 43 | $ 3,612,000 | $ 84,000 | $ 17,000 |
| Orlando-Kissimmee-Sanford, FL | 43 | $ 2,937,000 | $ 68,302 | $ 54,000 |
| Pittsburgh, PA | 32 | $ 1,619,000 | $ 50,593 | $ 0 |
| Lakeland-Winter Haven, FL | 24 | $ 919,000 | $ 38,291 | $ 35,000 |
| Jacksonville, FL | 23 | $ 1,033,000 | $ 44,913 | $ 46,000 |
| Chicago-Joliet-Naperville, IL | 21 | $ 1,690,000 | $ 80,476 | $ 7,000 |
| Dallas-Plano-Irving, TX | 21 | $ 2,002,000 | $ 95,333 | $ 13,000 |
| San Antonio-New Braunfels, TX | 20 | $ 1,579,000 | $ 78,950 | $ 3,000 |
| Warren-Troy-Farmington Hills, MI | 20 | $ 1,767,000 | $ 88,350 | $ 56,000 |
| Jackson, MI | 18 | $ 858,000 | $ 47,666 | $ 36,000 |
| Kalamazoo-Portage, MI | 18 | $ 1,181,000 | $ 65,611 | $ 37,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 822,000 | $ 54,800 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 1,020,000 | $ 72,857 | $ 52,000 |
| Indianapolis-Carmel, IN | 14 | $ 1,503,000 | $ 107,357 | $ 28,000 |
| Ocala, FL | 13 | $ 558,000 | $ 42,923 | $ 35,000 |
| Atlanta-Sandy Springs-Marietta, GA | 12 | $ 762,000 | $ 63,500 | $ 32,000 |
| Battle Creek, MI | 12 | $ 532,000 | $ 44,333 | $ 37,000 |
| Beaumont-Port Arthur, TX | 12 | $ 575,000 | $ 47,916 | $ 16,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 2,291,000 | $ 208,272 | $ 0 |
| Memphis, TN-MS-AR | 11 | $ 541,000 | $ 49,181 | $ 22,090 |
| New York-White Plains-Wayne, NY-NJ | 11 | $ 2,063,000 | $ 187,545 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 2,442,000 | $ 222,000 | $ 4,454 |
| Philadelphia, PA | 10 | $ 1,204,000 | $ 120,400 | $ 0 |
| Flint, MI | 9 | $ 298,000 | $ 33,111 | $ 50,000 |
| Fort Worth-Arlington, TX | 9 | $ 752,000 | $ 83,555 | $ 2,000 |
| Niles-Benton Harbor, MI | 9 | $ 1,275,000 | $ 141,666 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 1,016,000 | $ 112,888 | $ 40,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 1,323,000 | $ 147,000 | $ 5,000 |
| Baltimore-Towson, MD | 8 | $ 1,074,000 | $ 134,250 | $ 7,000 |
| Bay City, MI | 8 | $ 308,000 | $ 38,500 | $ 59,000 |
| Camden, NJ | 8 | $ 949,000 | $ 118,625 | $ 0 |
| Chattanooga, TN-GA | 8 | $ 390,000 | $ 48,750 | $ 5,500 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 582,000 | $ 72,750 | $ 11,875 |
| Gainesville, FL | 8 | $ 356,000 | $ 44,500 | $ 41,000 |
| Holland-Grand Haven, MI | 8 | $ 1,121,000 | $ 140,125 | $ 62,000 |
| Palm Coast, FL | 8 | $ 417,000 | $ 52,125 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 377,000 | $ 53,857 | $ 33,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 156,000 | $ 22,285 | $ 19,285 |
| Naples-Marco Island, FL | 7 | $ 465,000 | $ 66,428 | $ 45,000 |
| Newark-Union, NJ-PA | 7 | $ 1,485,000 | $ 212,142 | $ 0 |
| Ocean City, NJ | 7 | $ 422,000 | $ 60,285 | $ 0 |
| Oklahoma City, OK | 7 | $ 385,000 | $ 55,000 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 7 | $ 727,000 | $ 103,857 | $ 4,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 1,438,000 | $ 205,428 | $ 0 |
| South Bend-Mishawaka, IN-MI | 7 | $ 647,000 | $ 92,428 | $ 47,000 |
| Tallahassee, FL | 7 | $ 336,000 | $ 48,000 | $ 45,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 494,000 | $ 70,571 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 377,000 | $ 62,833 | $ 9,000 |
| Knoxville, TN | 6 | $ 183,000 | $ 30,500 | $ 24,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 344,000 | $ 57,333 | $ 0 |
| Muskegon-Norton Shores, MI | 6 | $ 455,000 | $ 75,833 | $ 44,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 769,000 | $ 128,166 | $ 7,000 |
| Port St. Lucie, FL | 6 | $ 380,000 | $ 63,333 | $ 32,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 222,000 | $ 37,000 | $ 34,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 1,016,000 | $ 169,333 | $ 0 |
| Augusta-Richmond County, GA-SC | 5 | $ 86,000 | $ 17,200 | $ 21,600 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 439,000 | $ 87,800 | $ 0 |
| Columbus, OH | 5 | $ 426,000 | $ 85,200 | $ 8,000 |
| Greenville-Mauldin-Easley, SC | 5 | $ 284,000 | $ 56,800 | $ 50,000 |
| Honolulu, HI | 5 | $ 732,000 | $ 146,400 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 558,000 | $ 111,600 | $ 16,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 357,000 | $ 71,400 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 5 | $ 339,000 | $ 67,800 | $ 35,000 |
| Terre Haute, IN | 5 | $ 390,000 | $ 78,000 | $ 60,000 |
| Tulsa, OK | 5 | $ 297,000 | $ 59,400 | $ 15,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 146,000 | $ 36,500 | $ 0 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 4 | $ 507,000 | $ 126,750 | $ 0 |
| Edison-New Brunswick, NJ | 4 | $ 533,000 | $ 133,250 | $ 0 |
| Fayetteville, NC | 4 | $ 198,000 | $ 49,500 | $ 21,000 |
| Gary, IN | 4 | $ 279,000 | $ 69,750 | $ 20,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 216,000 | $ 54,000 | $ 23,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 331,000 | $ 82,750 | $ 14,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 4 | $ 144,000 | $ 36,000 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 108,000 | $ 27,000 | $ 23,000 |
| Peoria, IL | 4 | $ 76,000 | $ 19,000 | $ 24,000 |
| Punta Gorda, FL | 4 | $ 379,000 | $ 94,750 | $ 24,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,466,000 | $ 366,500 | $ 0 |
| Spartanburg, SC | 4 | $ 98,000 | $ 24,500 | $ 26,000 |
| St. Louis, MO-IL | 4 | $ 222,000 | $ 55,500 | $ 0 |
| Amarillo, TX | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 158,000 | $ 52,666 | $ 38,000 |
| Birmingham-Hoover, AL | 3 | $ 98,000 | $ 32,666 | $ 53,000 |
| Boulder, CO | 3 | $ 521,000 | $ 173,666 | $ 0 |
| Bremerton-Silverdale, WA | 3 | $ 158,000 | $ 52,666 | $ 0 |
| Buffalo-Niagara Falls, NY | 3 | $ 249,000 | $ 83,000 | $ 0 |
| Charleston, WV | 3 | $ 126,000 | $ 42,000 | $ 40,000 |
| Colorado Springs, CO | 3 | $ 299,000 | $ 99,666 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 208,000 | $ 69,333 | $ 0 |
| Dayton, OH | 3 | $ 177,000 | $ 59,000 | $ 31,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 139,000 | $ 46,333 | $ 67,000 |
| Duluth, MN-WI | 3 | $ 111,000 | $ 37,000 | $ 22,000 |
| El Paso, TX | 3 | $ 373,000 | $ 124,333 | $ 0 |
| Fort Wayne, IN | 3 | $ 186,000 | $ 62,000 | $ 7,000 |
| Greeley, CO | 3 | $ 72,000 | $ 24,000 | $ 12,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 348,000 | $ 116,000 | $ 9,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 179,000 | $ 59,666 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 3 | $ 142,000 | $ 47,333 | $ 8,000 |
| Ogden-Clearfield, UT | 3 | $ 726,000 | $ 242,000 | $ 0 |
| Raleigh-Cary, NC | 3 | $ 416,000 | $ 138,666 | $ 0 |
| Richmond, VA | 3 | $ 706,000 | $ 235,333 | $ 0 |
| Salt Lake City, UT | 3 | $ 272,000 | $ 90,666 | $ 0 |
| San Angelo, TX | 3 | $ 161,000 | $ 53,666 | $ 9,000 |
| Spokane, WA | 3 | $ 348,000 | $ 116,000 | $ 0 |
| Wheeling, WV-OH | 3 | $ 165,000 | $ 55,000 | $ 8,666 |
| York-Hanover, PA | 3 | $ 252,000 | $ 84,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 45,000 | $ 15,000 | $ 7,000 |
| Abilene, TX | 2 | $ 85,000 | $ 42,500 | $ 38,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Albuquerque, NM | 2 | $ 171,000 | $ 85,500 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 48,000 | $ 24,000 | $ 0 |
| Altoona, PA | 2 | $ 67,000 | $ 33,500 | $ 0 |
| Ann Arbor, MI | 2 | $ 143,000 | $ 71,500 | $ 61,000 |
| Bellingham, WA | 2 | $ 279,000 | $ 139,500 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 458,000 | $ 229,000 | $ 0 |
| Bloomington-Normal, IL | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Boston-Quincy, MA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Columbia, SC | 2 | $ 90,000 | $ 45,000 | $ 77,000 |
| Corpus Christi, TX | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 53,000 | $ 26,500 | $ 22,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Durham-Chapel Hill, NC | 2 | $ 178,000 | $ 89,000 | $ 0 |
| Eugene-Springfield, OR | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Evansville, IN-KY | 2 | $ 62,000 | $ 31,000 | $ 60,000 |
| Grand Forks, ND-MN | 2 | $ 19,000 | $ 9,500 | $ 19,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 199,000 | $ 99,500 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 91,000 | $ 45,500 | $ 13,000 |
| Jackson, TN | 2 | $ 76,000 | $ 38,000 | $ 18,000 |
| Johnstown, PA | 2 | $ 116,000 | $ 58,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 109,000 | $ 54,500 | $ 8,500 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 114,000 | $ 57,000 | $ 19,000 |
| Lafayette, IN | 2 | $ 102,000 | $ 51,000 | $ 8,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 62,000 | $ 31,000 | $ 22,000 |
| Lawton, OK | 2 | $ 18,000 | $ 9,000 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 84,000 | $ 42,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Mobile, AL | 2 | $ 56,000 | $ 28,000 | $ 35,000 |
| Monroe, MI | 2 | $ 154,000 | $ 77,000 | $ 30,000 |
| Nassau-Suffolk, NY | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 182,000 | $ 91,000 | $ 25,000 |
| Pascagoula, MS | 2 | $ 33,000 | $ 16,500 | $ 15,000 |
| Peabody, MA | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 99,000 | $ 49,500 | $ 0 |
| Salinas, CA | 2 | $ 271,000 | $ 135,500 | $ 0 |
| Salisbury, MD | 2 | $ 86,000 | $ 43,000 | $ 41,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 394,000 | $ 197,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 2 | $ 46,000 | $ 23,000 | $ 0 |
| Syracuse, NY | 2 | $ 45,000 | $ 22,500 | $ 8,000 |
| Tucson, AZ | 2 | $ 395,000 | $ 197,500 | $ 0 |
| Utica-Rome, NY | 2 | $ 117,000 | $ 58,500 | $ 0 |
| Valdosta, GA | 2 | $ 94,000 | $ 47,000 | $ 29,000 |
| Vallejo-Fairfield, CA | 2 | $ 368,000 | $ 184,000 | $ 0 |
| Victoria, TX | 2 | $ 195,000 | $ 97,500 | $ 0 |
| Albany, GA | 1 | $ 7,000 | $ 7,000 | $ 21,000 |
| Anchorage, AK | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Anderson, IN | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 26,000 | $ 26,000 | $ 42,000 |
| Asheville, NC | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Bakersfield-Delano, CA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Bloomington, IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Boise City-Nampa, ID | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Burlington, NC | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Chico, CA | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 36,000 | $ 36,000 | $ 14,000 |
| Cumberland, MD-WV | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Dover, DE | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Eau Claire, WI | 1 | $ 33,000 | $ 33,000 | $ 40,000 |
| Elizabethtown, KY | 1 | $ 66,000 | $ 66,000 | $ 20,000 |
| Erie, PA | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Farmington, NM | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Fresno, CA | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Gadsden, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Greenville, NC | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Hot Springs, AR | 1 | $ 43,000 | $ 43,000 | $ 20,000 |
| Idaho Falls, ID | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Janesville, WI | 1 | $ 12,000 | $ 12,000 | $ 19,000 |
| Kokomo, IN | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Lake Charles, LA | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| Lancaster, PA | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Laredo, TX | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 273,000 | $ 273,000 | $ 90,000 |
| Lebanon, PA | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Lincoln, NE | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Logan, UT-ID | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Lubbock, TX | 1 | $ 19,000 | $ 19,000 | $ 37,000 |
| Lynchburg, VA | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Madison, WI | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Merced, CA | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 225,000 | $ 225,000 | $ 225,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Montgomery, AL | 1 | $ 298,000 | $ 298,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Oshkosh-Neenah, WI | 1 | $ 16,000 | $ 16,000 | $ 20,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Prescott, AZ | 1 | $ 36,000 | $ 36,000 | $ 42,000 |
| Provo-Orem, UT | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Racine, WI | 1 | $ 14,000 | $ 14,000 | $ 27,000 |
| Reading, PA | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Rochester, NY | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Rockford, IL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Salem, OR | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 37,000 | $ 37,000 | $ 45,000 |
| Shreveport-Bossier City, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Springfield, IL | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Springfield, MO | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Springfield, OH | 1 | $ 11,000 | $ 11,000 | $ 49,000 |
| St. Joseph, MO-KS | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Tacoma, WA | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Topeka, KS | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Waco, TX | 1 | $ 46,000 | $ 46,000 | $ 52,000 |
| Warner Robins, GA | 1 | $ 21,000 | $ 21,000 | $ 52,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Wausau, WI | 1 | $ 42,000 | $ 42,000 | $ 24,000 |
| Wichita Falls, TX | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Wilmington, NC | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Yakima, WA | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Yuma, AZ | 1 | $ 36,000 | $ 36,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 954 | $103,787,000 | $108,000 | $4,820,000 | $17,000 | $653,000 |
| Home Purchase | 509 | $30,308,000 | $59,000 | $584,000 | $50,000 | $330,000 |
| Home Improvement | 300 | $8,358,000 | $27,000 | $120,000 | $34,000 | $150,000 |
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 | 689 | $41,376,000 | $60,000 | $1,000,000 | $50,000 | $330,000 |
| Not applicable | 683 | $82,796,000 | $121,000 | $4,820,000 | $0 | $653,000 |
| Not Provided | 191 | $8,350,000 | $43,000 | $320,000 | $39,000 | $129,000 |
| Hispanic | 86 | $4,565,000 | $53,000 | $315,000 | $49,000 | $277,000 |
| Black or African American | 84 | $3,851,000 | $45,000 | $250,000 | $41,000 | $132,000 |
| American Indian or Alaskan Native | 24 | $529,000 | $22,000 | $50,000 | $32,000 | $101,000 |
| Asian | 6 | $986,000 | $164,000 | $600,000 | $64,000 | $114,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,763 | $142,453,000 | $80,000 | $4,820,000 | $29,000 | $653,000 |
| 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 Purchased By The Institution | 681 | $82,622,000 | $121,000 | $4,820,000 | $0 | $0 |
| Application Denied By Financial Institution | 621 | $33,374,000 | $53,000 | $1,000,000 | $43,000 | $330,000 |
| Loan Originated | 344 | $22,565,000 | $65,000 | $414,000 | $61,000 | $653,000 |
| Application Approved But Not Accepted | 106 | $3,524,000 | $33,000 | $600,000 | $37,000 | $122,000 |
| Application Withdrawn By Applicant | 10 | $343,000 | $34,000 | $87,000 | $28,000 | $48,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 324 | $16,305,000 | $50,000 | $431,000 | $46,000 | $330,000 |
| Other | 115 | $5,340,000 | $46,000 | $210,000 | $46,000 | $280,000 |
| Debt-To-Income Ratio | 81 | $5,891,000 | $72,000 | $430,000 | $36,000 | $151,000 |
| Collateral | 74 | $4,423,000 | $59,000 | $1,000,000 | $36,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $603,000 | $54,000 | $139,000 | $35,000 | $66,000 |
| Unverifiable Information | 8 | $295,000 | $36,000 | $97,000 | $32,000 | $67,000 |
| Employment History | 8 | $517,000 | $64,000 | $240,000 | $52,000 | $196,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $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 2011 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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