First National Bank of America Mortgage Lending & HMDA Data, 2020
In 2020, First National Bank of America of East Lansing, MI reported 12,426 mortgage applications totaling $1.8 billion, up 132% from 2019. The average application was for $144,168, and applicants reported an average income of $100,970. 19% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (622), Houston-The Woodlands-Sugar Land, TX (595) and Dallas-Plano-Irving, TX (335) (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 | 12,426 |
| Total Mortgage Loan Application Amount | $1,791,440,000 |
| Average Mortgage Loan Application Amount | $144,168 |
| Highest Mortgage Loan Application Amount | $3,615,000 |
| Average Applicant Income | $100,970 |
| Highest Applicant Income | $3,425,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,585 | $ 132,875,000 | $ 83,832 | $ 97,649 |
| Atlanta-Sandy Springs-Roswell, GA | 622 | $ 102,040,000 | $ 164,051 | $ 86,000 |
| Houston-The Woodlands-Sugar Land, TX | 595 | $ 76,375,000 | $ 128,361 | $ 88,000 |
| Dallas-Plano-Irving, TX | 335 | $ 44,965,000 | $ 134,223 | $ 115,000 |
| Phoenix-Mesa-Scottsdale, AZ | 274 | $ 51,190,000 | $ 186,824 | $ 76,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 263 | $ 58,805,000 | $ 223,593 | $ 95,722 |
| San Antonio-New Braunfels, TX | 202 | $ 19,210,000 | $ 95,099 | $ 110,000 |
| Baltimore-Columbia-Towson, MD | 189 | $ 34,855,000 | $ 184,417 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 188 | $ 32,240,000 | $ 171,489 | $ 151,000 |
| Gulfport-Biloxi-Pascagoula, MS | 187 | $ 6,955,000 | $ 37,192 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 187 | $ 29,985,000 | $ 160,347 | $ 199,000 |
| Chicago-Naperville, IL | 179 | $ 22,255,000 | $ 124,329 | $ 66,000 |
| Orlando-Kissimmee-Sanford, FL | 172 | $ 29,840,000 | $ 173,488 | $ 142,000 |
| Los Angeles-Long Beach-Glendale, CA | 170 | $ 52,640,000 | $ 309,647 | $ 341,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 164 | $ 29,900,000 | $ 182,317 | $ 121,000 |
| Las Vegas-Henderson-Paradise, NV | 158 | $ 26,570,000 | $ 168,164 | $ 91,000 |
| Austin-Round Rock, TX | 150 | $ 24,830,000 | $ 165,533 | $ 97,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 150 | $ 27,690,000 | $ 184,600 | $ 98,000 |
| Fort Worth-Arlington, TX | 145 | $ 16,185,000 | $ 111,620 | $ 110,000 |
| Bridgeport-Stamford-Norwalk, CT | 142 | $ 31,900,000 | $ 224,647 | $ 95,000 |
| Riverside-San Bernardino-Ontario, CA | 134 | $ 21,110,000 | $ 157,537 | $ 78,000 |
| New York-Jersey City-White Plains, NY-NJ | 121 | $ 32,925,000 | $ 272,107 | $ 119,363 |
| Washington-Baltimore-Arlington, DC | 118 | $ 29,640,000 | $ 251,186 | $ 106,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 118 | $ 27,770,000 | $ 235,338 | $ 163,000 |
| Cape Coral-Fort Myers, FL | 111 | $ 14,375,000 | $ 129,504 | $ 147,000 |
| Indianapolis-Carmel-Anderson, IN | 110 | $ 14,250,000 | $ 129,545 | $ 84,000 |
| New York-Newark, NY | 106 | $ 12,860,000 | $ 121,320 | $ 101,000 |
| Denver-Aurora-Lakewood, CO | 103 | $ 29,395,000 | $ 285,388 | $ 109,000 |
| Seattle-Bellevue-Everett, WA | 100 | $ 27,450,000 | $ 274,500 | $ 148,000 |
| McAllen-Edinburg-Mission, TX | 91 | $ 4,875,000 | $ 53,571 | $ 506,000 |
| Cambridge-Newton-Framingham, MA | 88 | $ 24,310,000 | $ 276,250 | $ 116,000 |
| Jacksonville, FL | 84 | $ 10,000,000 | $ 119,047 | $ 133,000 |
| Charlotte-Concord-Gastonia, NC-SC | 83 | $ 11,395,000 | $ 137,289 | $ 143,879 |
| Richmond, VA | 72 | $ 11,350,000 | $ 157,638 | $ 64,000 |
| Salt Lake City, UT | 72 | $ 15,410,000 | $ 214,027 | $ 81,000 |
| Birmingham-Hoover, AL | 71 | $ 7,865,000 | $ 110,774 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 71 | $ 10,715,000 | $ 150,915 | $ 71,000 |
| Montgomery County-Bucks County-Chester County, PA | 70 | $ 11,350,000 | $ 162,142 | $ 163,000 |
| Warren-Troy-Farmington Hills, MI | 69 | $ 8,635,000 | $ 125,144 | $ 137,000 |
| New Haven-Milford, CT | 68 | $ 10,040,000 | $ 147,647 | $ 68,000 |
| Ocala, FL | 68 | $ 3,790,000 | $ 55,735 | $ 95,000 |
| Camden, NJ | 67 | $ 3,865,000 | $ 57,686 | $ 56,000 |
| Nassau County-Suffolk County, NY | 67 | $ 16,865,000 | $ 251,716 | $ 121,000 |
| North Port-Sarasota-Bradenton, FL | 66 | $ 10,100,000 | $ 153,030 | $ 79,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 63 | $ 17,485,000 | $ 277,539 | $ 127,587 |
| Deltona-Daytona Beach-Ormond Beach, FL | 61 | $ 7,105,000 | $ 116,475 | $ 137,000 |
| Lakeland-Winter Haven, FL | 60 | $ 5,210,000 | $ 86,833 | $ 79,000 |
| Newark, NJ-PA | 60 | $ 9,170,000 | $ 152,833 | $ 55,050 |
| Worcester, MA-CT | 60 | $ 12,280,000 | $ 204,666 | $ 93,000 |
| Oakland-Hayward-Berkeley, CA | 56 | $ 17,250,000 | $ 308,035 | $ 102,000 |
| Charleston-North Charleston, SC | 55 | $ 9,165,000 | $ 166,636 | $ 77,000 |
| Port St. Lucie, FL | 50 | $ 8,700,000 | $ 174,000 | $ 106,000 |
| Raleigh, NC | 50 | $ 6,920,000 | $ 138,400 | $ 83,000 |
| Beaumont-Port Arthur, TX | 49 | $ 2,165,000 | $ 44,183 | $ 0 |
| Lake Havasu City-Kingman, AZ | 49 | $ 2,815,000 | $ 57,448 | $ 71,000 |
| Louisville/Jefferson County, KY-IN | 49 | $ 5,395,000 | $ 110,102 | $ 57,000 |
| Tucson, AZ | 49 | $ 5,115,000 | $ 104,387 | $ 87,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 46 | $ 6,270,000 | $ 136,304 | $ 106,869 |
| Boston, MA | 45 | $ 11,675,000 | $ 259,444 | $ 113,000 |
| Philadelphia, PA | 45 | $ 5,305,000 | $ 117,888 | $ 59,000 |
| Grand Rapids-Wyoming, MI | 44 | $ 5,610,000 | $ 127,500 | $ 74,000 |
| Kansas City, MO-KS | 44 | $ 4,650,000 | $ 105,681 | $ 62,590 |
| Cincinnati, OH-KY-IN | 40 | $ 4,030,000 | $ 100,750 | $ 59,500 |
| Hartford-West Hartford-East Hartford, CT | 40 | $ 6,230,000 | $ 155,750 | $ 82,000 |
| New Orleans-Metairie, LA | 40 | $ 5,260,000 | $ 131,500 | $ 74,000 |
| Provo-Orem, UT | 40 | $ 9,670,000 | $ 241,750 | $ 97,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 40 | $ 9,980,000 | $ 249,500 | $ 91,000 |
| Memphis, TN-MS-AR | 39 | $ 4,565,000 | $ 117,051 | $ 208,384 |
| Pittsburgh, PA | 39 | $ 3,805,000 | $ 97,564 | $ 118,000 |
| Anaheim-Santa Ana-Irvine, CA | 38 | $ 9,790,000 | $ 257,631 | $ 0 |
| Corpus Christi, TX | 38 | $ 2,750,000 | $ 72,368 | $ 42,000 |
| Tacoma-Lakewood, WA | 38 | $ 8,990,000 | $ 236,578 | $ 105,000 |
| Lansing-East Lansing, MI | 37 | $ 10,175,000 | $ 275,000 | $ 87,000 |
| Providence-Warwick, RI-MA | 35 | $ 6,715,000 | $ 191,857 | $ 116,200 |
| Brownsville-Harlingen, TX | 34 | $ 2,170,000 | $ 63,823 | $ 287,000 |
| El Paso, TX | 34 | $ 2,270,000 | $ 66,764 | $ 0 |
| Fresno, CA | 33 | $ 4,425,000 | $ 134,090 | $ 79,000 |
| San Diego-Carlsbad, CA | 33 | $ 8,375,000 | $ 253,787 | $ 0 |
| St. Louis, MO-IL | 33 | $ 4,495,000 | $ 136,212 | $ 116,272 |
| Columbia, SC | 32 | $ 2,810,000 | $ 87,812 | $ 99,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 30 | $ 4,840,000 | $ 161,333 | $ 75,000 |
| Knoxville, TN | 30 | $ 2,940,000 | $ 98,000 | $ 105,000 |
| Naples-Immokalee-Marco Island, FL | 30 | $ 6,240,000 | $ 208,000 | $ 123,000 |
| Gainesville, FL | 29 | $ 1,525,000 | $ 52,586 | $ 114,000 |
| Greenville-Anderson-Mauldin, SC | 29 | $ 2,735,000 | $ 94,310 | $ 319,000 |
| Killeen-Temple, TX | 29 | $ 1,955,000 | $ 67,413 | $ 100,000 |
| Palm Bay-Melbourne-Titusville, FL | 29 | $ 2,975,000 | $ 102,586 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 29 | $ 10,685,000 | $ 368,448 | $ 157,000 |
| Barnstable Town, MA | 28 | $ 7,080,000 | $ 252,857 | $ 141,000 |
| Columbus, OH | 28 | $ 3,430,000 | $ 122,500 | $ 81,000 |
| Lexington-Fayette, KY | 28 | $ 4,030,000 | $ 143,928 | $ 66,000 |
| Milwaukee-Waukesha-West Allis, WI | 28 | $ 3,750,000 | $ 133,928 | $ 56,000 |
| Cleveland-Elyria, OH | 27 | $ 1,885,000 | $ 69,814 | $ 93,000 |
| Prescott Valley-Prescott, AZ | 27 | $ 1,785,000 | $ 66,111 | $ 30,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 27 | $ 4,735,000 | $ 175,370 | $ 80,000 |
| Wilmington, DE-MD-NJ | 27 | $ 3,025,000 | $ 112,037 | $ 61,636 |
| Winston-Salem, NC | 27 | $ 2,475,000 | $ 91,666 | $ 130,000 |
| Bakersfield, CA | 26 | $ 2,360,000 | $ 90,769 | $ 57,000 |
| Salisbury, MD-DE | 25 | $ 3,205,000 | $ 128,200 | $ 132,760 |
| Savannah, GA | 25 | $ 3,075,000 | $ 123,000 | $ 149,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 2,750,000 | $ 114,583 | $ 151,000 |
| Augusta-Richmond County, GA-SC | 24 | $ 930,000 | $ 38,750 | $ 0 |
| Greensboro-High Point, NC | 24 | $ 1,280,000 | $ 53,333 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 24 | $ 1,670,000 | $ 69,583 | $ 106,000 |
| Atlantic City-Hammonton, NJ | 23 | $ 1,885,000 | $ 81,956 | $ 88,000 |
| Chattanooga, TN-GA | 23 | $ 2,135,000 | $ 92,826 | $ 50,000 |
| Homosassa Springs, FL | 23 | $ 1,885,000 | $ 81,956 | $ 86,000 |
| Modesto, CA | 23 | $ 4,625,000 | $ 201,086 | $ 109,000 |
| Oklahoma City, OK | 23 | $ 1,895,000 | $ 82,391 | $ 95,000 |
| Stockton-Lodi, CA | 23 | $ 4,745,000 | $ 206,304 | $ 124,000 |
| Detroit-Dearborn-Livonia, MI | 22 | $ 3,170,000 | $ 144,090 | $ 146,000 |
| Salem, OR | 22 | $ 5,210,000 | $ 236,818 | $ 63,000 |
| Tulsa, OK | 22 | $ 1,800,000 | $ 81,818 | $ 70,000 |
| Baton Rouge, LA | 21 | $ 2,155,000 | $ 102,619 | $ 83,000 |
| Tyler, TX | 21 | $ 865,000 | $ 41,190 | $ 0 |
| Boise City, ID | 20 | $ 5,480,000 | $ 274,000 | $ 294,000 |
| Elgin, IL | 20 | $ 2,420,000 | $ 121,000 | $ 52,000 |
| Fayetteville, NC | 20 | $ 1,430,000 | $ 71,500 | $ 153,000 |
| Greeley, CO | 20 | $ 4,880,000 | $ 244,000 | $ 77,000 |
| Ogden-Clearfield, UT | 20 | $ 3,650,000 | $ 182,500 | $ 106,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 1,685,000 | $ 88,684 | $ 77,000 |
| Punta Gorda, FL | 19 | $ 2,985,000 | $ 157,105 | $ 92,000 |
| Utica-Rome, NY | 19 | $ 1,245,000 | $ 65,526 | $ 0 |
| Gainesville, GA | 18 | $ 2,170,000 | $ 120,555 | $ 116,000 |
| Panama City, FL | 18 | $ 2,020,000 | $ 112,222 | $ 210,000 |
| Tallahassee, FL | 18 | $ 880,000 | $ 48,888 | $ 148,000 |
| Vineland-Bridgeton, NJ | 18 | $ 850,000 | $ 47,222 | $ 49,000 |
| Asheville, NC | 17 | $ 1,705,000 | $ 100,294 | $ 95,000 |
| Gary, IN | 17 | $ 2,045,000 | $ 120,294 | $ 62,000 |
| Mobile, AL | 17 | $ 1,505,000 | $ 88,529 | $ 44,000 |
| Omaha-Council Bluffs, NE-IA | 17 | $ 1,885,000 | $ 110,882 | $ 64,470 |
| Rochester, NY | 17 | $ 955,000 | $ 56,176 | $ 45,000 |
| The Villages, FL | 17 | $ 1,295,000 | $ 76,176 | $ 94,000 |
| Colorado Springs, CO | 16 | $ 3,360,000 | $ 210,000 | $ 84,000 |
| Daphne-Fairhope-Foley, AL | 16 | $ 3,110,000 | $ 194,375 | $ 360,000 |
| Reno, NV | 16 | $ 2,350,000 | $ 146,875 | $ 109,000 |
| Sierra Vista-Douglas, AZ | 16 | $ 1,120,000 | $ 70,000 | $ 47,000 |
| Visalia-Porterville, CA | 16 | $ 1,480,000 | $ 92,500 | $ 0 |
| Abilene, TX | 15 | $ 475,000 | $ 31,666 | $ 0 |
| Albany-Schenectady-Troy, NY | 15 | $ 1,225,000 | $ 81,666 | $ 84,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 1,955,000 | $ 130,333 | $ 79,000 |
| Des Moines-West Des Moines, IA | 15 | $ 1,715,000 | $ 114,333 | $ 61,000 |
| Durham-Chapel Hill, NC | 15 | $ 1,455,000 | $ 97,000 | $ 64,000 |
| Kennewick-Richland, WA | 15 | $ 2,355,000 | $ 157,000 | $ 53,000 |
| Little Rock-North Little Rock-Conway, AR | 15 | $ 1,345,000 | $ 89,666 | $ 138,000 |
| San Francisco-Redwood City-South San Francisco, CA | 15 | $ 8,085,000 | $ 539,000 | $ 0 |
| Sherman-Denison, TX | 15 | $ 1,565,000 | $ 104,333 | $ 133,000 |
| Spartanburg, SC | 14 | $ 870,000 | $ 62,142 | $ 42,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 1,975,000 | $ 151,923 | $ 70,000 |
| Longview, TX | 13 | $ 705,000 | $ 54,230 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 13 | $ 4,465,000 | $ 343,461 | $ 0 |
| Shreveport-Bossier City, LA | 13 | $ 775,000 | $ 59,615 | $ 29,000 |
| Spokane-Spokane Valley, WA | 13 | $ 2,345,000 | $ 180,384 | $ 82,000 |
| Waco, TX | 13 | $ 685,000 | $ 52,692 | $ 0 |
| Yakima, WA | 13 | $ 1,935,000 | $ 148,846 | $ 67,000 |
| Dayton-Springfield-Kettering, OH | 12 | $ 730,000 | $ 60,833 | $ 54,000 |
| Eugene, OR | 12 | $ 1,760,000 | $ 146,666 | $ 140,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 1,590,000 | $ 132,500 | $ 51,000 |
| Huntsville, AL | 12 | $ 1,200,000 | $ 100,000 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,490,000 | $ 207,500 | $ 67,750 |
| Macon-Bibb County, GA | 12 | $ 600,000 | $ 50,000 | $ 399,000 |
| Merced, CA | 12 | $ 2,060,000 | $ 171,666 | $ 97,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 12 | $ 960,000 | $ 80,000 | $ 96,000 |
| Syracuse, NY | 12 | $ 510,000 | $ 42,500 | $ 0 |
| Amarillo, TX | 11 | $ 775,000 | $ 70,454 | $ 1,055,000 |
| Anchorage, AK | 11 | $ 1,265,000 | $ 115,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 11 | $ 545,000 | $ 49,545 | $ 0 |
| Columbus, GA-AL | 11 | $ 685,000 | $ 62,272 | $ 0 |
| East Stroudsburg, PA | 11 | $ 1,355,000 | $ 123,181 | $ 99,000 |
| Laredo, TX | 11 | $ 895,000 | $ 81,363 | $ 0 |
| Lubbock, TX | 11 | $ 435,000 | $ 39,545 | $ 173,000 |
| Montgomery, AL | 11 | $ 905,000 | $ 82,272 | $ 100,000 |
| Odessa, TX | 11 | $ 1,155,000 | $ 105,000 | $ 122,000 |
| Portland-South Portland, ME | 11 | $ 845,000 | $ 76,818 | $ 89,000 |
| Rocky Mount, NC | 11 | $ 515,000 | $ 46,818 | $ 0 |
| Springfield, MA | 11 | $ 1,365,000 | $ 124,090 | $ 80,000 |
| St. George, UT | 11 | $ 2,135,000 | $ 194,090 | $ 58,000 |
| Trenton, NJ | 11 | $ 1,095,000 | $ 99,545 | $ 0 |
| Vallejo-Fairfield, CA | 11 | $ 1,565,000 | $ 142,272 | $ 67,000 |
| Charleston, WV | 10 | $ 430,000 | $ 43,000 | $ 0 |
| College Station-Bryan, TX | 10 | $ 980,000 | $ 98,000 | $ 53,000 |
| Joplin, MO | 10 | $ 490,000 | $ 49,000 | $ 79,000 |
| Manchester-Nashua, NH | 10 | $ 1,860,000 | $ 186,000 | $ 108,000 |
| Reading, PA | 10 | $ 530,000 | $ 53,000 | $ 53,000 |
| Wilmington, NC | 10 | $ 2,010,000 | $ 201,000 | $ 275,000 |
| Akron, OH | 9 | $ 585,000 | $ 65,000 | $ 0 |
| Albuquerque, NM | 9 | $ 825,000 | $ 91,666 | $ 78,000 |
| Athens-Clarke County, GA | 9 | $ 995,000 | $ 110,555 | $ 52,000 |
| Dover, DE | 9 | $ 665,000 | $ 73,888 | $ 63,000 |
| Fort Collins, CO | 9 | $ 1,545,000 | $ 171,666 | $ 86,000 |
| Jackson, MS | 9 | $ 545,000 | $ 60,555 | $ 25,000 |
| Lafayette, LA | 9 | $ 785,000 | $ 87,222 | $ 108,000 |
| Lafayette-West Lafayette, IN | 9 | $ 1,445,000 | $ 160,555 | $ 0 |
| Roanoke, VA | 9 | $ 1,165,000 | $ 129,444 | $ 56,000 |
| Wichita Falls, TX | 9 | $ 295,000 | $ 32,777 | $ 0 |
| Yuma, AZ | 9 | $ 705,000 | $ 78,333 | $ 0 |
| Bangor, ME | 8 | $ 550,000 | $ 68,750 | $ 51,000 |
| Binghamton, NY | 8 | $ 440,000 | $ 55,000 | $ 23,000 |
| Canton-Massillon, OH | 8 | $ 420,000 | $ 52,500 | $ 57,000 |
| Flagstaff, AZ | 8 | $ 1,150,000 | $ 143,750 | $ 0 |
| Fort Wayne, IN | 8 | $ 1,140,000 | $ 142,500 | $ 63,000 |
| Green Bay, WI | 8 | $ 930,000 | $ 116,250 | $ 60,000 |
| Greenville, NC | 8 | $ 720,000 | $ 90,000 | $ 65,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,410,000 | $ 176,250 | $ 63,000 |
| Lancaster, PA | 8 | $ 880,000 | $ 110,000 | $ 0 |
| Ocean City, NJ | 8 | $ 370,000 | $ 46,250 | $ 83,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 470,000 | $ 58,750 | $ 33,000 |
| Springfield, MO | 8 | $ 730,000 | $ 91,250 | $ 58,000 |
| Sumter, SC | 8 | $ 260,000 | $ 32,500 | $ 0 |
| York-Hanover, PA | 8 | $ 660,000 | $ 82,500 | $ 119,000 |
| Albany, GA | 7 | $ 275,000 | $ 39,285 | $ 0 |
| Charlottesville, VA | 7 | $ 1,535,000 | $ 219,285 | $ 59,000 |
| Fairbanks, AK | 7 | $ 265,000 | $ 37,857 | $ 0 |
| Florence, SC | 7 | $ 505,000 | $ 72,142 | $ 303,000 |
| Jackson, MI | 7 | $ 415,000 | $ 59,285 | $ 54,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 1,765,000 | $ 252,142 | $ 118,000 |
| Kingsport-Bristol-Bristol, TN-VA | 7 | $ 895,000 | $ 127,857 | $ 85,000 |
| Salinas, CA | 7 | $ 2,205,000 | $ 315,000 | $ 120,000 |
| Sebastian-Vero Beach, FL | 7 | $ 825,000 | $ 117,857 | $ 40,000 |
| Toledo, OH | 7 | $ 475,000 | $ 67,857 | $ 0 |
| Bellingham, WA | 6 | $ 1,150,000 | $ 191,666 | $ 108,000 |
| Bend-Redmond, OR | 6 | $ 870,000 | $ 145,000 | $ 0 |
| Brunswick, GA | 6 | $ 300,000 | $ 50,000 | $ 0 |
| Clarksville, TN-KY | 6 | $ 1,420,000 | $ 236,666 | $ 59,000 |
| Erie, PA | 6 | $ 280,000 | $ 46,666 | $ 54,000 |
| Jacksonville, NC | 6 | $ 880,000 | $ 146,666 | $ 120,000 |
| Madera, CA | 6 | $ 930,000 | $ 155,000 | $ 58,000 |
| Medford, OR | 6 | $ 970,000 | $ 161,666 | $ 53,000 |
| Midland, MI | 6 | $ 220,000 | $ 36,666 | $ 43,000 |
| Midland, TX | 6 | $ 240,000 | $ 40,000 | $ 0 |
| Muskegon, MI | 6 | $ 3,330,000 | $ 555,000 | $ 35,000 |
| New Bern, NC | 6 | $ 480,000 | $ 80,000 | $ 56,000 |
| Redding, CA | 6 | $ 630,000 | $ 105,000 | $ 44,000 |
| Sebring, FL | 6 | $ 670,000 | $ 111,666 | $ 331,000 |
| Terre Haute, IN | 6 | $ 230,000 | $ 38,333 | $ 140,000 |
| Twin Falls, ID | 6 | $ 880,000 | $ 146,666 | $ 0 |
| Valdosta, GA | 6 | $ 380,000 | $ 63,333 | $ 211,000 |
| Wichita, KS | 6 | $ 520,000 | $ 86,666 | $ 84,000 |
| Albany, OR | 5 | $ 975,000 | $ 195,000 | $ 88,000 |
| Anniston-Oxford-Jacksonville, AL | 5 | $ 225,000 | $ 45,000 | $ 0 |
| Auburn-Opelika, AL | 5 | $ 715,000 | $ 143,000 | $ 127,000 |
| Battle Creek, MI | 5 | $ 665,000 | $ 133,000 | $ 250,000 |
| Billings, MT | 5 | $ 1,205,000 | $ 241,000 | $ 122,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 355,000 | $ 71,000 | $ 72,000 |
| Cumberland, MD-WV | 5 | $ 305,000 | $ 61,000 | $ 77,000 |
| Duluth, MN-WI | 5 | $ 415,000 | $ 83,000 | $ 64,000 |
| Glens Falls, NY | 5 | $ 445,000 | $ 89,000 | $ 15,000 |
| Harrisburg-Carlisle, PA | 5 | $ 405,000 | $ 81,000 | $ 30,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 485,000 | $ 97,000 | $ 90,000 |
| Jackson, TN | 5 | $ 425,000 | $ 85,000 | $ 0 |
| Janesville-Beloit, WI | 5 | $ 235,000 | $ 47,000 | $ 47,000 |
| Monroe, LA | 5 | $ 425,000 | $ 85,000 | $ 59,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,245,000 | $ 249,000 | $ 49,000 |
| Peoria, IL | 5 | $ 385,000 | $ 77,000 | $ 0 |
| San Angelo, TX | 5 | $ 155,000 | $ 31,000 | $ 0 |
| Victoria, TX | 5 | $ 145,000 | $ 29,000 | $ 0 |
| Wenatchee, WA | 5 | $ 795,000 | $ 159,000 | $ 65,000 |
| Boulder, CO | 4 | $ 790,000 | $ 197,500 | $ 96,000 |
| Bremerton-Silverdale, WA | 4 | $ 930,000 | $ 232,500 | $ 85,000 |
| Carson City, NV | 4 | $ 1,050,000 | $ 262,500 | $ 83,000 |
| Columbus, IN | 4 | $ 440,000 | $ 110,000 | $ 42,000 |
| Elmira, NY | 4 | $ 130,000 | $ 32,500 | $ 0 |
| Fort Smith, AR-OK | 4 | $ 330,000 | $ 82,500 | $ 32,000 |
| Great Falls, MT | 4 | $ 940,000 | $ 235,000 | $ 0 |
| Houma-Thibodaux, LA | 4 | $ 500,000 | $ 125,000 | $ 74,000 |
| Idaho Falls, ID | 4 | $ 350,000 | $ 87,500 | $ 65,000 |
| Jefferson City, MO | 4 | $ 920,000 | $ 230,000 | $ 226,000 |
| Johnson City, TN | 4 | $ 320,000 | $ 80,000 | $ 48,000 |
| Lewiston-Auburn, ME | 4 | $ 740,000 | $ 185,000 | $ 123,000 |
| Michigan City-La Porte, IN | 4 | $ 240,000 | $ 60,000 | $ 0 |
| Niles-Benton Harbor, MI | 4 | $ 360,000 | $ 90,000 | $ 393,000 |
| Norwich-New London, CT | 4 | $ 820,000 | $ 205,000 | $ 127,000 |
| Olympia-Tumwater, WA | 4 | $ 340,000 | $ 85,000 | $ 73,000 |
| Parkersburg-Vienna, WV | 4 | $ 210,000 | $ 52,500 | $ 0 |
| Pueblo, CO | 4 | $ 450,000 | $ 112,500 | $ 23,000 |
| Rockford, IL | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Rome, GA | 4 | $ 300,000 | $ 75,000 | $ 31,000 |
| Saginaw, MI | 4 | $ 200,000 | $ 50,000 | $ 56,000 |
| San Rafael, CA | 4 | $ 1,310,000 | $ 327,500 | $ 197,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,390,000 | $ 347,500 | $ 0 |
| Santa Fe, NM | 4 | $ 890,000 | $ 222,500 | $ 115,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 2,490,000 | $ 622,500 | $ 0 |
| Tuscaloosa, AL | 4 | $ 620,000 | $ 155,000 | $ 95,000 |
| Winchester, VA-WV | 4 | $ 740,000 | $ 185,000 | $ 152,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 410,000 | $ 102,500 | $ 47,000 |
| Bloomington, IL | 3 | $ 175,000 | $ 58,333 | $ 0 |
| Chico, CA | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Cleveland, TN | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 435,000 | $ 145,000 | $ 218,000 |
| Dothan, AL | 3 | $ 75,000 | $ 25,000 | $ 0 |
| El Centro, CA | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Elkhart-Goshen, IN | 3 | $ 75,000 | $ 25,000 | $ 0 |
| Evansville, IN-KY | 3 | $ 325,000 | $ 108,333 | $ 101,000 |
| Flint, MI | 3 | $ 65,000 | $ 21,666 | $ 48,000 |
| Florence-Muscle Shoals, AL | 3 | $ 355,000 | $ 118,333 | $ 78,000 |
| Hammond, LA | 3 | $ 135,000 | $ 45,000 | $ 0 |
| Harrisonburg, VA | 3 | $ 495,000 | $ 165,000 | $ 68,000 |
| Lake Charles, LA | 3 | $ 135,000 | $ 45,000 | $ 0 |
| Madison, WI | 3 | $ 585,000 | $ 195,000 | $ 187,000 |
| Mankato-North Mankato, MN | 3 | $ 515,000 | $ 171,666 | $ 59,000 |
| Mansfield, OH | 3 | $ 275,000 | $ 91,666 | $ 32,000 |
| Missoula, MT | 3 | $ 715,000 | $ 238,333 | $ 102,000 |
| Muncie, IN | 3 | $ 165,000 | $ 55,000 | $ 55,000 |
| Pocatello, ID | 3 | $ 635,000 | $ 211,666 | $ 39,000 |
| Racine, WI | 3 | $ 435,000 | $ 145,000 | $ 80,000 |
| Rochester, MN | 3 | $ 395,000 | $ 131,666 | $ 35,000 |
| Rockingham County-Strafford County, NH | 3 | $ 345,000 | $ 115,000 | $ 151,000 |
| Texarkana, TX-AR | 3 | $ 225,000 | $ 75,000 | $ 95,000 |
| Urban Honolulu, HI | 3 | $ 355,000 | $ 118,333 | $ 35,000 |
| Yuba City, CA | 3 | $ 235,000 | $ 78,333 | $ 0 |
| Ann Arbor, MI | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Bloomington, IN | 2 | $ 290,000 | $ 145,000 | $ 127,000 |
| Bloomsburg-Berwick, PA | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Burlington, NC | 2 | $ 140,000 | $ 70,000 | $ 121,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 600,000 | $ 300,000 | $ 214,000 |
| Cheyenne, WY | 2 | $ 260,000 | $ 130,000 | $ 140,000 |
| Coeur D'Alene, ID | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Columbia, MO | 2 | $ 480,000 | $ 240,000 | $ 209,000 |
| Gadsden, AL | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Grand Junction, CO | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Hanford-Corcoran, CA | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Hattiesburg, MS | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Hinesville, GA | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Jonesboro, AR | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Kingston, NY | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Las Cruces, NM | 2 | $ 100,000 | $ 50,000 | $ 54,000 |
| Lincoln, NE | 2 | $ 280,000 | $ 140,000 | $ 186,000 |
| Logan, UT-ID | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Morgantown, WV | 2 | $ 720,000 | $ 360,000 | $ 225,000 |
| Pittsfield, MA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Santa Rosa, CA | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Walla Walla, WA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Warner Robins, GA | 2 | $ 230,000 | $ 115,000 | $ 58,000 |
| Wheeling, WV-OH | 2 | $ 20,000 | $ 10,000 | $ 0 |
| Alexandria, LA | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Altoona, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Beckley, WV | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Bismarck, ND | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Bowling Green, KY | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Casper, WY | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Champaign-Urbana, IL | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Corvallis, OR | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Elizabethtown-Fort Knox, KY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Gettysburg, PA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Goldsboro, NC | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Grants Pass, OR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hot Springs, AR | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Ithaca, NY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Kankakee, IL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Kokomo, IN | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lawrence, KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lebanon, PA | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Monroe, MI | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Napa, CA | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Rapid City, SD | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Sheboygan, WI | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Sioux City, IA-NE-SD | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Springfield, IL | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Springfield, OH | 1 | $ 185,000 | $ 185,000 | $ 217,000 |
| St. Cloud, MN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 35,000 | $ 35,000 | $ 0 |
| State College, PA | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Staunton-Waynesboro, VA | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Topeka, KS | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Watertown-Fort Drum, NY | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wausau, WI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Williamsport, PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2020
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 |
|---|---|---|---|---|---|---|
| Not Applicable | 6,652 | $629,300,000 | $94,000 | $2,855,000 | $0 | $0 |
| Home Purchase | 4,781 | $964,285,000 | $201,000 | $3,615,000 | $102,000 | $3,425,000 |
| Cash-out Refinancing | 402 | $87,070,000 | $216,000 | $825,000 | $105,000 | $1,656,000 |
| Refinancing | 275 | $58,995,000 | $214,000 | $775,000 | $97,000 | $577,000 |
| Other Purpose | 213 | $36,975,000 | $173,000 | $1,005,000 | $86,000 | $491,000 |
| Home Improvement | 103 | $14,815,000 | $143,000 | $775,000 | $79,000 | $420,000 |
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 | 8,656 | $999,350,000 | $115,000 | $3,615,000 | $0 | $0 |
| Hispanic | 2,417 | $491,475,000 | $203,000 | $995,000 | $86,000 | $1,504,000 |
| White | 652 | $145,160,000 | $222,000 | $1,005,000 | $135,000 | $3,425,000 |
| Not Provided | 544 | $115,700,000 | $212,000 | $1,075,000 | $119,000 | $2,263,000 |
| Black or African American | 89 | $20,955,000 | $235,000 | $665,000 | $124,000 | $600,000 |
| Asian | 52 | $14,710,000 | $282,000 | $705,000 | $139,000 | $744,000 |
| American Indian or Alaskan Native | 7 | $1,875,000 | $267,000 | $505,000 | $145,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $480,000 | $240,000 | $325,000 | $82,000 | $85,000 |
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) | 12,426 | $1,791,440,000 | $144,000 | $3,615,000 | $101,000 | $3,425,000 |
| 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 | 8,599 | $983,575,000 | $114,000 | $2,855,000 | $0 | $0 |
| Loan Originated | 2,356 | $506,710,000 | $215,000 | $3,615,000 | $95,000 | $2,263,000 |
| Application Withdrawn By Applicant | 749 | $161,285,000 | $215,000 | $805,000 | $118,000 | $3,425,000 |
| Application Denied By Financial Institution | 629 | $120,945,000 | $192,000 | $1,005,000 | $104,000 | $1,656,000 |
| File Closed For Incompleteness | 59 | $11,845,000 | $200,000 | $595,000 | $91,000 | $449,000 |
| Application Approved But Not Accepted | 34 | $7,080,000 | $208,000 | $805,000 | $78,000 | $422,000 |
| 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 | 11,797 | $1,670,495,000 | $141,000 | $3,615,000 | $101,000 | $3,425,000 |
| Credit History | 221 | $44,285,000 | $200,000 | $655,000 | $112,000 | $1,656,000 |
| Collateral | 203 | $36,095,000 | $177,000 | $665,000 | $108,000 | $1,055,000 |
| Debt-To-Income Ratio | 67 | $13,175,000 | $196,000 | $745,000 | $52,000 | $213,000 |
| Other | 67 | $14,925,000 | $222,000 | $1,005,000 | $142,000 | $1,013,000 |
| Unverifiable Information | 33 | $5,645,000 | $171,000 | $585,000 | $74,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $4,670,000 | $194,000 | $745,000 | $87,000 | $240,000 |
| Credit Application Incomplete | 8 | $960,000 | $120,000 | $225,000 | $57,000 | $120,000 |
| Employment History | 6 | $1,190,000 | $198,000 | $285,000 | $78,000 | $180,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2020 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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