First National Bank of America Mortgage Lending & HMDA Data, 2015
In 2015, First National Bank of America of East Lansing, MI reported 2,227 mortgage applications totaling $365.4 million, up 10% from 2014. The average application was for $164,066, and applicants reported an average income of $50,595. 20% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (89), Tampa-St. Petersburg-Clearwater, FL (84) and Atlanta-Sandy Springs-Roswell, GA (81) (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 | 2,227 |
| Total Mortgage Loan Application Amount | $365,376,000 |
| Average Mortgage Loan Application Amount | $164,066 |
| Highest Mortgage Loan Application Amount | $5,775,000 |
| Average Applicant Income | $50,595 |
| Highest Applicant Income | $1,481,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 89 | $ 14,883,000 | $ 167,224 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 84 | $ 12,095,000 | $ 143,988 | $ 74,000 |
| Atlanta-Sandy Springs-Roswell, GA | 81 | $ 9,932,000 | $ 122,617 | $ 47,000 |
| Warren-Troy-Farmington Hills, MI | 80 | $ 13,034,000 | $ 162,925 | $ 96,000 |
| Cape Coral-Fort Myers, FL | 72 | $ 10,443,000 | $ 145,041 | $ 14,000 |
| Miami-Miami Beach-Kendall, FL | 68 | $ 11,306,000 | $ 166,264 | $ 213,000 |
| Chicago-Naperville-Arlington Heights, IL | 58 | $ 8,062,000 | $ 139,000 | $ 44,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 7,929,000 | $ 136,706 | $ 38,000 |
| Los Angeles-Long Beach-Glendale, CA | 58 | $ 22,146,000 | $ 381,827 | $ 5,000 |
| Lansing-East Lansing, MI | 41 | $ 5,643,000 | $ 137,634 | $ 61,000 |
| Phoenix-Mesa-Scottsdale, AZ | 36 | $ 7,393,000 | $ 205,361 | $ 16,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 33 | $ 6,919,000 | $ 209,666 | $ 16,606 |
| Houston-The Woodlands-Sugar Land, TX | 32 | $ 3,473,000 | $ 108,531 | $ 22,000 |
| Riverside-San Bernardino-Ontario, CA | 32 | $ 6,809,000 | $ 212,781 | $ 3,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 32 | $ 8,142,000 | $ 254,437 | $ 82,000 |
| New York-Jersey City-White Plains, NY-NJ | 31 | $ 8,391,000 | $ 270,677 | $ 26,451 |
| Detroit-Dearborn-Livonia, MI | 29 | $ 3,361,000 | $ 115,896 | $ 73,000 |
| North Port-Sarasota-Bradenton, FL | 29 | $ 4,397,000 | $ 151,620 | $ 41,000 |
| Ocala, FL | 28 | $ 2,031,000 | $ 72,535 | $ 13,000 |
| Las Vegas-Henderson-Paradise, NV | 26 | $ 6,923,000 | $ 266,269 | $ 38,000 |
| Dallas-Plano-Irving, TX | 25 | $ 4,716,000 | $ 188,640 | $ 17,000 |
| Grand Rapids-Wyoming, MI | 25 | $ 4,114,000 | $ 164,560 | $ 44,000 |
| Lakeland-Winter Haven, FL | 25 | $ 2,234,000 | $ 89,360 | $ 85,000 |
| Oakland-Hayward-Berkeley, CA | 23 | $ 6,082,000 | $ 264,434 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 22 | $ 4,193,000 | $ 190,590 | $ 32,272 |
| Port St. Lucie, FL | 20 | $ 2,918,000 | $ 145,900 | $ 100,000 |
| Anaheim-Santa Ana-Irvine, CA | 19 | $ 10,202,000 | $ 536,947 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 3,544,000 | $ 186,526 | $ 77,000 |
| Naples-Immokalee-Marco Island, FL | 19 | $ 4,970,000 | $ 261,578 | $ 36,000 |
| Baltimore-Columbia-Towson, MD | 18 | $ 3,391,000 | $ 188,388 | $ 24,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 18 | $ 4,320,000 | $ 240,000 | $ 10,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 1,621,000 | $ 95,352 | $ 54,000 |
| Jacksonville, FL | 17 | $ 2,886,000 | $ 169,764 | $ 79,000 |
| San Diego-Carlsbad, CA | 16 | $ 6,076,000 | $ 379,750 | $ 7,000 |
| Indianapolis-Carmel-Anderson, IN | 15 | $ 2,667,000 | $ 177,800 | $ 57,000 |
| Newark, NJ-PA | 15 | $ 4,368,000 | $ 291,200 | $ 113,066 |
| Philadelphia, PA | 14 | $ 1,110,000 | $ 79,285 | $ 46,000 |
| Palm Bay-Melbourne-Titusville, FL | 13 | $ 1,632,000 | $ 125,538 | $ 79,000 |
| Silver Spring-Frederick-Rockville, MD | 13 | $ 3,876,000 | $ 298,153 | $ 26,000 |
| Austin-Round Rock, TX | 12 | $ 1,344,000 | $ 112,000 | $ 4,000 |
| San Antonio-New Braunfels, TX | 12 | $ 2,834,000 | $ 236,166 | $ 34,000 |
| St. Louis, MO-IL | 12 | $ 1,311,000 | $ 109,250 | $ 71,750 |
| Fort Worth-Arlington, TX | 11 | $ 1,376,000 | $ 125,090 | $ 17,000 |
| Milwaukee-Waukesha-West Allis, WI | 11 | $ 1,550,000 | $ 140,909 | $ 32,000 |
| Flint, MI | 10 | $ 824,000 | $ 82,400 | $ 55,000 |
| Albuquerque, NM | 8 | $ 734,000 | $ 91,750 | $ 50,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 999,000 | $ 124,875 | $ 43,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,429,000 | $ 178,625 | $ 64,000 |
| Kalamazoo-Portage, MI | 8 | $ 7,401,000 | $ 925,125 | $ 81,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 2,081,000 | $ 260,125 | $ 43,000 |
| Raleigh, NC | 8 | $ 994,000 | $ 124,250 | $ 17,000 |
| Cincinnati, OH-KY-IN | 7 | $ 1,222,000 | $ 174,571 | $ 31,714 |
| Denver-Aurora-Lakewood, CO | 7 | $ 1,402,000 | $ 200,285 | $ 7,000 |
| Gary, IN | 7 | $ 835,000 | $ 119,285 | $ 52,000 |
| Homosassa Springs, FL | 7 | $ 663,000 | $ 94,714 | $ 13,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 791,000 | $ 113,000 | $ 78,285 |
| Modesto, CA | 7 | $ 1,531,000 | $ 218,714 | $ 0 |
| Muskegon, MI | 7 | $ 1,127,000 | $ 161,000 | $ 149,000 |
| Pittsburgh, PA | 7 | $ 561,000 | $ 80,142 | $ 58,000 |
| Providence-Warwick, RI-MA | 7 | $ 1,461,000 | $ 208,714 | $ 29,142 |
| Punta Gorda, FL | 7 | $ 1,469,000 | $ 209,857 | $ 42,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 3,876,000 | $ 553,714 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 2,975,000 | $ 425,000 | $ 35,000 |
| Athens-Clarke County, GA | 6 | $ 667,000 | $ 111,166 | $ 5,000 |
| Boston, MA | 6 | $ 1,612,000 | $ 268,666 | $ 76,000 |
| Cleveland-Elyria, OH | 6 | $ 855,000 | $ 142,500 | $ 24,000 |
| Fresno, CA | 6 | $ 1,271,000 | $ 211,833 | $ 0 |
| Lake County-Kenosha County, IL-WI | 6 | $ 1,008,000 | $ 168,000 | $ 71,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 184,000 | $ 30,666 | $ 26,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 1,010,000 | $ 168,333 | $ 0 |
| Sebastian-Vero Beach, FL | 6 | $ 857,000 | $ 142,833 | $ 149,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 225,000 | $ 37,500 | $ 36,666 |
| Albany-Schenectady-Troy, NY | 5 | $ 362,000 | $ 72,400 | $ 9,000 |
| Ann Arbor, MI | 5 | $ 961,000 | $ 192,200 | $ 155,000 |
| Bakersfield, CA | 5 | $ 319,000 | $ 63,800 | $ 5,000 |
| Beaumont-Port Arthur, TX | 5 | $ 204,000 | $ 40,800 | $ 48,000 |
| Birmingham-Hoover, AL | 5 | $ 114,000 | $ 22,800 | $ 7,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,433,000 | $ 286,600 | $ 31,000 |
| Gainesville, GA | 5 | $ 277,000 | $ 55,400 | $ 18,000 |
| Jackson, MI | 5 | $ 353,000 | $ 70,600 | $ 64,000 |
| Prescott, AZ | 5 | $ 908,000 | $ 181,600 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 395,000 | $ 79,000 | $ 29,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,565,000 | $ 313,000 | $ 71,000 |
| Wilmington, DE-MD-NJ | 5 | $ 398,000 | $ 79,600 | $ 31,400 |
| Charleston-North Charleston, SC | 4 | $ 1,310,000 | $ 327,500 | $ 30,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 176,000 | $ 44,000 | $ 8,000 |
| Nassau County-Suffolk County, NY | 4 | $ 1,347,000 | $ 336,750 | $ 0 |
| New Orleans-Metairie, LA | 4 | $ 235,000 | $ 58,750 | $ 39,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,614,000 | $ 403,500 | $ 167,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,562,000 | $ 390,500 | $ 0 |
| Peoria, IL | 4 | $ 298,000 | $ 74,500 | $ 42,000 |
| Stockton-Lodi, CA | 4 | $ 820,000 | $ 205,000 | $ 0 |
| Tallahassee, FL | 4 | $ 365,000 | $ 91,250 | $ 45,000 |
| Tucson, AZ | 4 | $ 743,000 | $ 185,750 | $ 0 |
| Tyler, TX | 4 | $ 220,000 | $ 55,000 | $ 12,000 |
| Winston-Salem, NC | 4 | $ 252,000 | $ 63,000 | $ 24,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 338,000 | $ 112,666 | $ 40,000 |
| Asheville, NC | 3 | $ 394,000 | $ 131,333 | $ 17,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 138,000 | $ 46,000 | $ 63,000 |
| Battle Creek, MI | 3 | $ 163,000 | $ 54,333 | $ 47,000 |
| Camden, NJ | 3 | $ 619,000 | $ 206,333 | $ 33,000 |
| Chattanooga, TN-GA | 3 | $ 206,000 | $ 68,666 | $ 66,000 |
| Colorado Springs, CO | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Columbia, SC | 3 | $ 515,000 | $ 171,666 | $ 62,000 |
| Columbus, OH | 3 | $ 313,000 | $ 104,333 | $ 0 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,299,000 | $ 433,000 | $ 10,000 |
| Eau Claire, WI | 3 | $ 259,000 | $ 86,333 | $ 73,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 110,000 | $ 36,666 | $ 28,000 |
| Gainesville, FL | 3 | $ 367,000 | $ 122,333 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 435,000 | $ 145,000 | $ 18,000 |
| Kansas City, MO-KS | 3 | $ 453,000 | $ 151,000 | $ 54,666 |
| Macon, GA | 3 | $ 108,000 | $ 36,000 | $ 60,000 |
| Midland, MI | 3 | $ 205,000 | $ 68,333 | $ 76,000 |
| Muncie, IN | 3 | $ 247,000 | $ 82,333 | $ 43,000 |
| Oklahoma City, OK | 3 | $ 138,000 | $ 46,000 | $ 50,000 |
| Panama City, FL | 3 | $ 376,000 | $ 125,333 | $ 134,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 219,000 | $ 73,000 | $ 40,000 |
| Portland-South Portland, ME | 3 | $ 376,000 | $ 125,333 | $ 20,000 |
| Saginaw, MI | 3 | $ 114,000 | $ 38,000 | $ 57,000 |
| Salinas, CA | 3 | $ 876,000 | $ 292,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 454,000 | $ 151,333 | $ 29,000 |
| Santa Rosa, CA | 3 | $ 723,000 | $ 241,000 | $ 0 |
| Sebring, FL | 3 | $ 164,000 | $ 54,666 | $ 54,000 |
| Springfield, MO | 3 | $ 187,000 | $ 62,333 | $ 87,000 |
| Tulsa, OK | 3 | $ 250,000 | $ 83,333 | $ 48,000 |
| Vallejo-Fairfield, CA | 3 | $ 585,000 | $ 195,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 239,000 | $ 79,666 | $ 101,000 |
| Visalia-Porterville, CA | 3 | $ 972,000 | $ 324,000 | $ 105,000 |
| Wichita, KS | 3 | $ 178,000 | $ 59,333 | $ 37,000 |
| Akron, OH | 2 | $ 120,000 | $ 60,000 | $ 91,000 |
| Barnstable Town, MA | 2 | $ 487,000 | $ 243,500 | $ 0 |
| Baton Rouge, LA | 2 | $ 101,000 | $ 50,500 | $ 26,000 |
| Bay City, MI | 2 | $ 86,000 | $ 43,000 | $ 33,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 90,000 | $ 45,000 | $ 0 |
| College Station-Bryan, TX | 2 | $ 143,000 | $ 71,500 | $ 0 |
| Cumberland, MD-WV | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Dayton, OH | 2 | $ 188,000 | $ 94,000 | $ 40,000 |
| El Paso, TX | 2 | $ 223,000 | $ 111,500 | $ 48,000 |
| Elkhart-Goshen, IN | 2 | $ 147,000 | $ 73,500 | $ 71,000 |
| Evansville, IN-KY | 2 | $ 93,000 | $ 46,500 | $ 20,000 |
| Fort Wayne, IN | 2 | $ 84,000 | $ 42,000 | $ 38,000 |
| Greeley, CO | 2 | $ 114,000 | $ 57,000 | $ 14,000 |
| Green Bay, WI | 2 | $ 106,000 | $ 53,000 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Jacksonville, NC | 2 | $ 180,000 | $ 90,000 | $ 17,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 251,000 | $ 125,500 | $ 38,000 |
| Lancaster, PA | 2 | $ 222,000 | $ 111,000 | $ 72,000 |
| Lewiston-Auburn, ME | 2 | $ 128,000 | $ 64,000 | $ 39,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 151,000 | $ 75,500 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 127,000 | $ 63,500 | $ 0 |
| Montgomery, AL | 2 | $ 71,000 | $ 35,500 | $ 20,000 |
| Morristown, TN | 2 | $ 339,000 | $ 169,500 | $ 105,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 120,000 | $ 60,000 | $ 82,000 |
| Napa, CA | 2 | $ 736,000 | $ 368,000 | $ 0 |
| Richmond, VA | 2 | $ 633,000 | $ 316,500 | $ 78,000 |
| Rochester, NY | 2 | $ 96,000 | $ 48,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 2 | $ 290,000 | $ 145,000 | $ 3,000 |
| Spokane-Spokane Valley, WA | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 394,000 | $ 197,000 | $ 0 |
| The Villages, FL | 2 | $ 194,000 | $ 97,000 | $ 24,000 |
| Toledo, OH | 2 | $ 105,000 | $ 52,500 | $ 19,000 |
| Worcester, MA-CT | 2 | $ 514,000 | $ 257,000 | $ 60,000 |
| York-Hanover, PA | 2 | $ 218,000 | $ 109,000 | $ 116,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 64,000 | $ 32,000 | $ 14,000 |
| Yuba City, CA | 2 | $ 126,000 | $ 63,000 | $ 0 |
| Bismarck, ND | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Boise City, ID | 1 | $ 302,000 | $ 302,000 | $ 0 |
| Boulder, CO | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Brunswick, GA | 1 | $ 26,000 | $ 26,000 | $ 25,000 |
| Casper, WY | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Chico, CA | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Cleveland, TN | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
| Columbus, GA-AL | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Columbus, IN | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Corpus Christi, TX | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 100,000 | $ 100,000 | $ 53,000 |
| Duluth, MN-WI | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Durham-Chapel Hill, NC | 1 | $ 166,000 | $ 166,000 | $ 44,000 |
| East Stroudsburg, PA | 1 | $ 133,000 | $ 133,000 | $ 84,000 |
| El Centro, CA | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Elgin, IL | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Eugene, OR | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Fayetteville, NC | 1 | $ 44,000 | $ 44,000 | $ 46,000 |
| Fort Collins, CO | 1 | $ 315,000 | $ 315,000 | $ 77,000 |
| Harrisburg-Carlisle, PA | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 193,000 | $ 193,000 | $ 66,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 134,000 | $ 134,000 | $ 99,000 |
| Idaho Falls, ID | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Iowa City, IA | 1 | $ 229,000 | $ 229,000 | $ 40,000 |
| Jackson, MS | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Janesville-Beloit, WI | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Kankakee, IL | 1 | $ 146,000 | $ 146,000 | $ 59,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Knoxville, TN | 1 | $ 45,000 | $ 45,000 | $ 24,000 |
| Lawrence, KS | 1 | $ 106,000 | $ 106,000 | $ 92,000 |
| Lexington-Fayette, KY | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Lincoln, NE | 1 | $ 150,000 | $ 150,000 | $ 78,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 990,000 | $ 990,000 | $ 57,000 |
| Madera, CA | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Madison, WI | 1 | $ 12,000 | $ 12,000 | $ 39,000 |
| Manchester-Nashua, NH | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 41,000 | $ 41,000 | $ 17,000 |
| Medford, OR | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Merced, CA | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Mobile, AL | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Monroe, LA | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Monroe, MI | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Morgantown, WV | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| New Bern, NC | 1 | $ 40,000 | $ 40,000 | $ 36,000 |
| Ocean City, NJ | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Odessa, TX | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 255,000 | $ 255,000 | $ 122,000 |
| Reno, NV | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Roanoke, VA | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 101,000 | $ 101,000 | $ 204,000 |
| San Rafael, CA | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Savannah, GA | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 34,000 | $ 34,000 | $ 30,000 |
| Springfield, MA | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Springfield, OH | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. George, UT | 1 | $ 138,000 | $ 138,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Tuscaloosa, AL | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Vineland-Bridgeton, NJ | 1 | $ 22,000 | $ 22,000 | $ 51,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 21,000 | $ 21,000 | $ 63,000 |
| Wheeling, WV-OH | 1 | $ 30,000 | $ 30,000 | $ 44,000 |
| Wilmington, NC | 1 | $ 140,000 | $ 140,000 | $ 28,000 |
| Yakima, WA | 1 | $ 98,000 | $ 98,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2015
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 | 1,409 | $230,916,000 | $163,000 | $5,775,000 | $56,000 | $1,481,000 |
| Refinancing | 584 | $108,091,000 | $185,000 | $1,894,000 | $41,000 | $497,000 |
| Home Improvement | 234 | $26,369,000 | $112,000 | $1,320,000 | $42,000 | $226,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 969 | $198,135,000 | $204,000 | $5,775,000 | $0 | $0 |
| White | 697 | $100,407,000 | $144,000 | $1,307,000 | $89,000 | $1,133,000 |
| Hispanic | 203 | $26,958,000 | $132,000 | $716,000 | $125,000 | $1,481,000 |
| Not Provided | 197 | $20,746,000 | $105,000 | $900,000 | $67,000 | $399,000 |
| Black or African American | 118 | $13,375,000 | $113,000 | $576,000 | $72,000 | $362,000 |
| Asian | 31 | $4,920,000 | $158,000 | $434,000 | $112,000 | $983,000 |
| American Indian or Alaskan Native | 11 | $690,000 | $62,000 | $123,000 | $40,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $41,000 | $41,000 |
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) | 2,227 | $365,376,000 | $164,000 | $5,775,000 | $51,000 | $1,481,000 |
| 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 | 939 | $186,212,000 | $198,000 | $1,907,000 | $0 | $0 |
| Application Denied By Financial Institution | 597 | $83,510,000 | $139,000 | $1,307,000 | $80,000 | $1,481,000 |
| Loan Originated | 441 | $65,445,000 | $148,000 | $5,775,000 | $83,000 | $505,000 |
| Application Approved But Not Accepted | 141 | $16,682,000 | $118,000 | $576,000 | $72,000 | $350,000 |
| Application Withdrawn By Applicant | 108 | $13,503,000 | $125,000 | $900,000 | $172,000 | $1,481,000 |
| File Closed For Incompleteness | 1 | $24,000 | $24,000 | $24,000 | $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 | 265 | $32,899,000 | $124,000 | $1,307,000 | $77,000 | $690,000 |
| Debt-To-Income Ratio | 169 | $26,370,000 | $156,000 | $1,200,000 | $57,000 | $351,000 |
| Collateral | 88 | $12,317,000 | $139,000 | $1,100,000 | $99,000 | $1,133,000 |
| Other | 37 | $5,482,000 | $148,000 | $900,000 | $137,000 | $1,481,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $3,636,000 | $181,000 | $713,000 | $120,000 | $435,000 |
| Unverifiable Information | 13 | $2,441,000 | $187,000 | $1,200,000 | $104,000 | $635,000 |
| Employment History | 3 | $196,000 | $65,000 | $96,000 | $49,000 | $71,000 |
| Credit Application Incomplete | 2 | $169,000 | $84,000 | $115,000 | $40,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2015 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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