First National Bank of America Mortgage Lending & HMDA Data, 2021
In 2021, First National Bank of America of East Lansing, MI reported 5,930 mortgage applications totaling $1.3 billion, down 52% from 2020. The average application was for $219,468, and applicants reported an average income of $99,166. 46% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (488), Houston-The Woodlands-Sugar Land, TX (292) and Washington-Arlington-Alexandria, DC-VA-MD-WV (220) (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 | 5,930 |
| Total Mortgage Loan Application Amount | $1,301,450,000 |
| Average Mortgage Loan Application Amount | $219,468 |
| Highest Mortgage Loan Application Amount | $3,555,000 |
| Average Applicant Income | $99,166 |
| Highest Applicant Income | $1,929,000 |
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records First National Bank of America filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 488 | $ 109,170,000 | $ 223,709 | $ 92,000 |
| Outside any metro area | 428 | $ 69,570,000 | $ 162,546 | $ 91,248 |
| Houston-The Woodlands-Sugar Land, TX | 292 | $ 53,830,000 | $ 184,349 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 220 | $ 60,290,000 | $ 274,045 | $ 100,472 |
| Baltimore-Columbia-Towson, MD | 175 | $ 38,435,000 | $ 219,628 | $ 97,000 |
| Bridgeport-Stamford-Norwalk, CT | 161 | $ 40,775,000 | $ 253,260 | $ 91,000 |
| Phoenix-Mesa-Scottsdale, AZ | 143 | $ 30,845,000 | $ 215,699 | $ 94,000 |
| Las Vegas-Henderson-Paradise, NV | 127 | $ 27,345,000 | $ 215,314 | $ 84,000 |
| Dallas-Plano-Irving, TX | 108 | $ 27,120,000 | $ 251,111 | $ 136,000 |
| Chicago-Naperville, IL | 102 | $ 18,760,000 | $ 183,921 | $ 69,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 94 | $ 21,180,000 | $ 225,319 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 94 | $ 17,750,000 | $ 188,829 | $ 94,000 |
| Indianapolis-Carmel-Anderson, IN | 93 | $ 12,775,000 | $ 137,365 | $ 58,000 |
| Cambridge-Newton-Framingham, MA | 82 | $ 29,410,000 | $ 358,658 | $ 137,000 |
| New Haven-Milford, CT | 81 | $ 15,125,000 | $ 186,728 | $ 82,000 |
| Seattle-Bellevue-Everett, WA | 80 | $ 28,840,000 | $ 360,500 | $ 117,000 |
| Washington-Baltimore-Arlington, DC | 76 | $ 21,970,000 | $ 289,078 | $ 126,000 |
| Worcester, MA-CT | 69 | $ 20,245,000 | $ 293,405 | $ 115,159 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 67 | $ 15,015,000 | $ 224,104 | $ 78,731 |
| Orlando-Kissimmee-Sanford, FL | 61 | $ 14,445,000 | $ 236,803 | $ 160,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 57 | $ 20,565,000 | $ 360,789 | $ 164,263 |
| Birmingham-Hoover, AL | 56 | $ 9,100,000 | $ 162,500 | $ 81,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 56 | $ 14,490,000 | $ 258,750 | $ 124,000 |
| Austin-Round Rock, TX | 53 | $ 15,025,000 | $ 283,490 | $ 123,000 |
| Denver-Aurora-Lakewood, CO | 53 | $ 16,965,000 | $ 320,094 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 53 | $ 11,275,000 | $ 212,735 | $ 121,000 |
| North Port-Sarasota-Bradenton, FL | 53 | $ 10,375,000 | $ 195,754 | $ 80,000 |
| Richmond, VA | 53 | $ 10,045,000 | $ 189,528 | $ 80,000 |
| Salt Lake City, UT | 53 | $ 16,005,000 | $ 301,981 | $ 109,000 |
| San Antonio-New Braunfels, TX | 49 | $ 7,345,000 | $ 149,897 | $ 78,000 |
| Charleston-North Charleston, SC | 46 | $ 11,320,000 | $ 246,086 | $ 90,000 |
| Louisville/Jefferson County, KY-IN | 45 | $ 6,865,000 | $ 152,555 | $ 60,933 |
| Riverside-San Bernardino-Ontario, CA | 45 | $ 10,035,000 | $ 223,000 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 16,515,000 | $ 384,069 | $ 104,000 |
| Cape Coral-Fort Myers, FL | 41 | $ 7,815,000 | $ 190,609 | $ 90,000 |
| New York-Newark, NY | 39 | $ 10,835,000 | $ 277,820 | $ 119,461 |
| Boston, MA | 37 | $ 12,285,000 | $ 332,027 | $ 167,000 |
| Memphis, TN-MS-AR | 37 | $ 5,745,000 | $ 155,270 | $ 71,459 |
| New Orleans-Metairie, LA | 37 | $ 5,715,000 | $ 154,459 | $ 64,000 |
| Fort Worth-Arlington, TX | 36 | $ 8,170,000 | $ 226,944 | $ 122,000 |
| Hartford-West Hartford-East Hartford, CT | 35 | $ 5,955,000 | $ 170,142 | $ 65,000 |
| New York-Jersey City-White Plains, NY-NJ | 34 | $ 9,680,000 | $ 284,705 | $ 109,000 |
| Salem, OR | 34 | $ 10,560,000 | $ 310,588 | $ 107,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 7,725,000 | $ 234,090 | $ 104,000 |
| Tacoma-Lakewood, WA | 33 | $ 10,925,000 | $ 331,060 | $ 136,000 |
| Newark, NJ-PA | 32 | $ 8,440,000 | $ 263,750 | $ 107,000 |
| Camden, NJ | 31 | $ 5,325,000 | $ 171,774 | $ 62,000 |
| Columbus, OH | 31 | $ 4,215,000 | $ 135,967 | $ 73,000 |
| Philadelphia, PA | 31 | $ 4,715,000 | $ 152,096 | $ 123,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 4,665,000 | $ 160,862 | $ 71,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 28 | $ 5,820,000 | $ 207,857 | $ 110,000 |
| Jacksonville, FL | 27 | $ 4,065,000 | $ 150,555 | $ 86,000 |
| Lakeland-Winter Haven, FL | 27 | $ 5,635,000 | $ 208,703 | $ 115,000 |
| Lansing-East Lansing, MI | 27 | $ 6,815,000 | $ 252,407 | $ 58,000 |
| Warren-Troy-Farmington Hills, MI | 27 | $ 5,015,000 | $ 185,740 | $ 92,000 |
| Gulfport-Biloxi-Pascagoula, MS | 26 | $ 2,260,000 | $ 86,923 | $ 161,000 |
| Kansas City, MO-KS | 26 | $ 4,140,000 | $ 159,230 | $ 101,923 |
| Wilmington, DE-MD-NJ | 26 | $ 5,600,000 | $ 215,384 | $ 85,384 |
| Charlotte-Concord-Gastonia, NC-SC | 25 | $ 4,825,000 | $ 193,000 | $ 119,000 |
| Montgomery County-Bucks County-Chester County, PA | 25 | $ 6,325,000 | $ 253,000 | $ 117,000 |
| Lake County-Kenosha County, IL-WI | 24 | $ 3,730,000 | $ 155,416 | $ 63,125 |
| Grand Rapids-Wyoming, MI | 22 | $ 10,640,000 | $ 483,636 | $ 62,000 |
| Provo-Orem, UT | 21 | $ 7,515,000 | $ 357,857 | $ 115,000 |
| Barnstable Town, MA | 20 | $ 6,330,000 | $ 316,500 | $ 114,000 |
| Greeley, CO | 19 | $ 6,235,000 | $ 328,157 | $ 139,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 7,375,000 | $ 388,157 | $ 96,000 |
| Port St. Lucie, FL | 19 | $ 3,895,000 | $ 205,000 | $ 123,000 |
| Providence-Warwick, RI-MA | 19 | $ 5,265,000 | $ 277,105 | $ 106,052 |
| Raleigh, NC | 19 | $ 3,925,000 | $ 206,578 | $ 127,000 |
| Santa Rosa, CA | 19 | $ 8,615,000 | $ 453,421 | $ 109,000 |
| Tucson, AZ | 19 | $ 2,525,000 | $ 132,894 | $ 73,000 |
| Chattanooga, TN-GA | 18 | $ 2,730,000 | $ 151,666 | $ 55,777 |
| Cincinnati, OH-KY-IN | 18 | $ 2,730,000 | $ 151,666 | $ 73,666 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 18 | $ 2,570,000 | $ 142,777 | $ 98,444 |
| Nassau County-Suffolk County, NY | 18 | $ 6,510,000 | $ 361,666 | $ 124,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 2,235,000 | $ 131,470 | $ 52,000 |
| Kennewick-Richland, WA | 16 | $ 3,280,000 | $ 205,000 | $ 66,000 |
| Detroit-Dearborn-Livonia, MI | 15 | $ 3,325,000 | $ 221,666 | $ 117,000 |
| Elgin, IL | 15 | $ 2,125,000 | $ 141,666 | $ 57,000 |
| Gainesville, GA | 15 | $ 3,075,000 | $ 205,000 | $ 104,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 15 | $ 4,385,000 | $ 292,333 | $ 103,000 |
| Atlantic City-Hammonton, NJ | 14 | $ 2,500,000 | $ 178,571 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 1,760,000 | $ 125,714 | $ 77,000 |
| Fayetteville, NC | 14 | $ 1,300,000 | $ 92,857 | $ 82,000 |
| Hagerstown-Martinsburg, MD-WV | 14 | $ 2,460,000 | $ 175,714 | $ 82,000 |
| Stockton-Lodi, CA | 14 | $ 4,540,000 | $ 324,285 | $ 108,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,255,000 | $ 173,461 | $ 68,923 |
| Lexington-Fayette, KY | 13 | $ 2,085,000 | $ 160,384 | $ 79,000 |
| McAllen-Edinburg-Mission, TX | 13 | $ 1,615,000 | $ 124,230 | $ 105,000 |
| Pittsburgh, PA | 12 | $ 2,100,000 | $ 175,000 | $ 88,000 |
| Prescott Valley-Prescott, AZ | 12 | $ 1,770,000 | $ 147,500 | $ 215,000 |
| Roanoke, VA | 12 | $ 1,700,000 | $ 141,666 | $ 60,000 |
| Salisbury, MD-DE | 12 | $ 2,330,000 | $ 194,166 | $ 94,833 |
| St. Louis, MO-IL | 12 | $ 3,080,000 | $ 256,666 | $ 170,833 |
| Bakersfield, CA | 11 | $ 2,015,000 | $ 183,181 | $ 204,000 |
| Baton Rouge, LA | 11 | $ 2,045,000 | $ 185,909 | $ 89,000 |
| Reno, NV | 11 | $ 2,865,000 | $ 260,454 | $ 77,000 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 3,820,000 | $ 382,000 | $ 118,000 |
| Cleveland-Elyria, OH | 10 | $ 1,550,000 | $ 155,000 | $ 103,000 |
| Columbia, SC | 10 | $ 1,670,000 | $ 167,000 | $ 103,000 |
| Gary, IN | 10 | $ 1,560,000 | $ 156,000 | $ 63,000 |
| Greensboro-High Point, NC | 10 | $ 1,520,000 | $ 152,000 | $ 47,000 |
| Killeen-Temple, TX | 10 | $ 2,040,000 | $ 204,000 | $ 121,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 1,260,000 | $ 126,000 | $ 79,000 |
| Ocala, FL | 10 | $ 1,410,000 | $ 141,000 | $ 139,000 |
| San Diego-Carlsbad, CA | 10 | $ 3,600,000 | $ 360,000 | $ 720,000 |
| St. George, UT | 10 | $ 2,350,000 | $ 235,000 | $ 117,000 |
| Clarksville, TN-KY | 9 | $ 2,125,000 | $ 236,111 | $ 103,000 |
| Rockford, IL | 9 | $ 1,285,000 | $ 142,777 | $ 72,000 |
| Tuscaloosa, AL | 9 | $ 1,585,000 | $ 176,111 | $ 68,000 |
| Asheville, NC | 8 | $ 840,000 | $ 105,000 | $ 57,000 |
| Charlottesville, VA | 8 | $ 1,550,000 | $ 193,750 | $ 91,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 1,780,000 | $ 222,500 | $ 71,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 1,540,000 | $ 192,500 | $ 144,000 |
| Oklahoma City, OK | 8 | $ 1,270,000 | $ 158,750 | $ 146,000 |
| Tallahassee, FL | 8 | $ 1,040,000 | $ 130,000 | $ 95,000 |
| Tulsa, OK | 8 | $ 1,200,000 | $ 150,000 | $ 117,000 |
| Visalia-Porterville, CA | 8 | $ 1,640,000 | $ 205,000 | $ 121,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,200,000 | $ 150,000 | $ 100,000 |
| Bangor, ME | 7 | $ 785,000 | $ 112,142 | $ 147,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 7 | $ 1,265,000 | $ 180,714 | $ 75,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 895,000 | $ 127,857 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 1,065,000 | $ 152,142 | $ 115,000 |
| Fresno, CA | 7 | $ 995,000 | $ 142,142 | $ 44,000 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 965,000 | $ 137,857 | $ 80,000 |
| Trenton, NJ | 7 | $ 1,215,000 | $ 173,571 | $ 66,000 |
| Vineland-Bridgeton, NJ | 7 | $ 905,000 | $ 129,285 | $ 56,000 |
| Yakima, WA | 7 | $ 1,135,000 | $ 162,142 | $ 58,000 |
| Anchorage, AK | 6 | $ 330,000 | $ 55,000 | $ 0 |
| Colorado Springs, CO | 6 | $ 1,500,000 | $ 250,000 | $ 107,000 |
| Eugene, OR | 6 | $ 1,760,000 | $ 293,333 | $ 0 |
| Ogden-Clearfield, UT | 6 | $ 1,220,000 | $ 203,333 | $ 62,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,160,000 | $ 193,333 | $ 72,000 |
| Springfield, MA | 6 | $ 1,030,000 | $ 171,666 | $ 82,000 |
| Wilmington, NC | 6 | $ 1,800,000 | $ 300,000 | $ 225,000 |
| York-Hanover, PA | 6 | $ 590,000 | $ 98,333 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 575,000 | $ 115,000 | $ 71,400 |
| Fort Collins, CO | 5 | $ 1,345,000 | $ 269,000 | $ 77,000 |
| Harrisburg-Carlisle, PA | 5 | $ 545,000 | $ 109,000 | $ 44,000 |
| Knoxville, TN | 5 | $ 1,055,000 | $ 211,000 | $ 158,000 |
| Las Cruces, NM | 5 | $ 975,000 | $ 195,000 | $ 69,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,585,000 | $ 317,000 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 725,000 | $ 145,000 | $ 27,000 |
| Racine, WI | 5 | $ 1,075,000 | $ 215,000 | $ 123,000 |
| Reading, PA | 5 | $ 435,000 | $ 87,000 | $ 40,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,675,000 | $ 535,000 | $ 127,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 1,185,000 | $ 237,000 | $ 45,000 |
| Savannah, GA | 5 | $ 875,000 | $ 175,000 | $ 87,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 405,000 | $ 81,000 | $ 60,000 |
| Sherman-Denison, TX | 5 | $ 665,000 | $ 133,000 | $ 58,000 |
| Syracuse, NY | 5 | $ 355,000 | $ 71,000 | $ 65,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,555,000 | $ 311,000 | $ 106,000 |
| Warner Robins, GA | 5 | $ 1,025,000 | $ 205,000 | $ 121,000 |
| Wenatchee, WA | 5 | $ 1,145,000 | $ 229,000 | $ 67,000 |
| Akron, OH | 4 | $ 390,000 | $ 97,500 | $ 167,000 |
| Billings, MT | 4 | $ 960,000 | $ 240,000 | $ 85,000 |
| Boise City, ID | 4 | $ 1,390,000 | $ 347,500 | $ 82,000 |
| Bowling Green, KY | 4 | $ 990,000 | $ 247,500 | $ 279,000 |
| Bremerton-Silverdale, WA | 4 | $ 710,000 | $ 177,500 | $ 92,000 |
| Charleston, WV | 4 | $ 350,000 | $ 87,500 | $ 77,000 |
| Corpus Christi, TX | 4 | $ 530,000 | $ 132,500 | $ 57,000 |
| Des Moines-West Des Moines, IA | 4 | $ 560,000 | $ 140,000 | $ 56,000 |
| Flint, MI | 4 | $ 810,000 | $ 202,500 | $ 140,000 |
| Fort Wayne, IN | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 930,000 | $ 232,500 | $ 107,000 |
| Jackson, MS | 4 | $ 650,000 | $ 162,500 | $ 128,000 |
| Lafayette-West Lafayette, IN | 4 | $ 880,000 | $ 220,000 | $ 66,000 |
| Lincoln, NE | 4 | $ 580,000 | $ 145,000 | $ 94,000 |
| Lubbock, TX | 4 | $ 730,000 | $ 182,500 | $ 65,000 |
| Macon-Bibb County, GA | 4 | $ 570,000 | $ 142,500 | $ 88,000 |
| Merced, CA | 4 | $ 1,310,000 | $ 327,500 | $ 111,000 |
| Midland, MI | 4 | $ 380,000 | $ 95,000 | $ 91,000 |
| Muskegon, MI | 4 | $ 1,850,000 | $ 462,500 | $ 601,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,540,000 | $ 385,000 | $ 146,000 |
| Panama City, FL | 4 | $ 860,000 | $ 215,000 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,010,000 | $ 252,500 | $ 41,000 |
| Spartanburg, SC | 4 | $ 480,000 | $ 120,000 | $ 50,000 |
| Toledo, OH | 4 | $ 480,000 | $ 120,000 | $ 245,000 |
| Tyler, TX | 4 | $ 910,000 | $ 227,500 | $ 388,000 |
| Urban Honolulu, HI | 4 | $ 1,570,000 | $ 392,500 | $ 126,000 |
| Walla Walla, WA | 4 | $ 850,000 | $ 212,500 | $ 60,000 |
| Yuma, AZ | 4 | $ 480,000 | $ 120,000 | $ 0 |
| Athens-Clarke County, GA | 3 | $ 475,000 | $ 158,333 | $ 56,000 |
| Auburn-Opelika, AL | 3 | $ 385,000 | $ 128,333 | $ 49,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 405,000 | $ 135,000 | $ 59,333 |
| Beaumont-Port Arthur, TX | 3 | $ 145,000 | $ 48,333 | $ 0 |
| Beckley, WV | 3 | $ 565,000 | $ 188,333 | $ 47,000 |
| Bellingham, WA | 3 | $ 695,000 | $ 231,666 | $ 66,000 |
| Burlington-South Burlington, VT | 3 | $ 665,000 | $ 221,666 | $ 46,000 |
| California-Lexington Park, MD | 3 | $ 415,000 | $ 138,333 | $ 33,000 |
| College Station-Bryan, TX | 3 | $ 755,000 | $ 251,666 | $ 105,000 |
| Columbus, GA-AL | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Dalton, GA | 3 | $ 405,000 | $ 135,000 | $ 74,000 |
| Duluth, MN-WI | 3 | $ 205,000 | $ 68,333 | $ 43,000 |
| Durham-Chapel Hill, NC | 3 | $ 965,000 | $ 321,666 | $ 162,000 |
| Gainesville, FL | 3 | $ 645,000 | $ 215,000 | $ 161,000 |
| Hammond, LA | 3 | $ 695,000 | $ 231,666 | $ 124,000 |
| Huntsville, AL | 3 | $ 515,000 | $ 171,666 | $ 64,000 |
| Jackson, MI | 3 | $ 255,000 | $ 85,000 | $ 48,000 |
| Lafayette, LA | 3 | $ 85,000 | $ 28,333 | $ 0 |
| Madera, CA | 3 | $ 835,000 | $ 278,333 | $ 65,000 |
| Madison, WI | 3 | $ 585,000 | $ 195,000 | $ 98,000 |
| Manchester-Nashua, NH | 3 | $ 1,245,000 | $ 415,000 | $ 870,000 |
| Mobile, AL | 3 | $ 295,000 | $ 98,333 | $ 49,000 |
| Modesto, CA | 3 | $ 645,000 | $ 215,000 | $ 74,000 |
| Montgomery, AL | 3 | $ 215,000 | $ 71,666 | $ 28,000 |
| Muncie, IN | 3 | $ 305,000 | $ 101,666 | $ 78,000 |
| New Bern, NC | 3 | $ 595,000 | $ 198,333 | $ 69,000 |
| Niles-Benton Harbor, MI | 3 | $ 275,000 | $ 91,666 | $ 80,000 |
| Norwich-New London, CT | 3 | $ 645,000 | $ 215,000 | $ 39,000 |
| Ocean City, NJ | 3 | $ 215,000 | $ 71,666 | $ 153,000 |
| Owensboro, KY | 3 | $ 165,000 | $ 55,000 | $ 38,000 |
| Rochester, NY | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Rocky Mount, NC | 3 | $ 385,000 | $ 128,333 | $ 52,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,835,000 | $ 611,666 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 745,000 | $ 248,333 | $ 40,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 465,000 | $ 155,000 | $ 94,000 |
| Waco, TX | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Winchester, VA-WV | 3 | $ 805,000 | $ 268,333 | $ 62,000 |
| Winston-Salem, NC | 3 | $ 555,000 | $ 185,000 | $ 0 |
| Albany, OR | 2 | $ 590,000 | $ 295,000 | $ 78,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Albuquerque, NM | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Amarillo, TX | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Binghamton, NY | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Boulder, CO | 2 | $ 420,000 | $ 210,000 | $ 49,000 |
| Brownsville-Harlingen, TX | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Burlington, NC | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 2 | $ 150,000 | $ 75,000 | $ 40,000 |
| Cheyenne, WY | 2 | $ 760,000 | $ 380,000 | $ 258,000 |
| Chico, CA | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Dover, DE | 2 | $ 620,000 | $ 310,000 | $ 255,000 |
| El Paso, TX | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Hattiesburg, MS | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Hot Springs, AR | 2 | $ 270,000 | $ 135,000 | $ 136,000 |
| Jacksonville, NC | 2 | $ 330,000 | $ 165,000 | $ 301,000 |
| Janesville-Beloit, WI | 2 | $ 270,000 | $ 135,000 | $ 72,000 |
| Jefferson City, MO | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Joplin, MO | 2 | $ 550,000 | $ 275,000 | $ 126,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 320,000 | $ 160,000 | $ 84,000 |
| Kingston, NY | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Laredo, TX | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Longview, TX | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Medford, OR | 2 | $ 350,000 | $ 175,000 | $ 61,000 |
| Michigan City-La Porte, IN | 2 | $ 1,090,000 | $ 545,000 | $ 436,000 |
| Odessa, TX | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Olympia-Tumwater, WA | 2 | $ 460,000 | $ 230,000 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 480,000 | $ 240,000 | $ 80,000 |
| Portland-South Portland, ME | 2 | $ 340,000 | $ 170,000 | $ 86,000 |
| Pueblo, CO | 2 | $ 500,000 | $ 250,000 | $ 66,000 |
| Punta Gorda, FL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Rockingham County-Strafford County, NH | 2 | $ 590,000 | $ 295,000 | $ 77,000 |
| Rome, GA | 2 | $ 230,000 | $ 115,000 | $ 35,000 |
| Saginaw, MI | 2 | $ 470,000 | $ 235,000 | $ 185,000 |
| San Rafael, CA | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Sheboygan, WI | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| Springfield, MO | 2 | $ 470,000 | $ 235,000 | $ 40,000 |
| St. Joseph, MO-KS | 2 | $ 220,000 | $ 110,000 | $ 0 |
| The Villages, FL | 2 | $ 320,000 | $ 160,000 | $ 195,000 |
| Watertown-Fort Drum, NY | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 2 | $ 220,000 | $ 110,000 | $ 89,000 |
| Albany, GA | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Battle Creek, MI | 1 | $ 95,000 | $ 95,000 | $ 28,000 |
| Bay City, MI | 1 | $ 75,000 | $ 75,000 | $ 190,000 |
| Bend-Redmond, OR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 85,000 | $ 85,000 | $ 117,000 |
| Carbondale-Marion, IL | 1 | $ 215,000 | $ 215,000 | $ 257,000 |
| Carson City, NV | 1 | $ 475,000 | $ 475,000 | $ 180,000 |
| Champaign-Urbana, IL | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Cleveland, TN | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Columbia, MO | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 255,000 | $ 255,000 | $ 71,000 |
| Decatur, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 325,000 | $ 325,000 | $ 178,000 |
| Elmira, NY | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Erie, PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 235,000 | $ 235,000 | $ 208,000 |
| Fairbanks, AK | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Farmington, NM | 1 | $ 35,000 | $ 35,000 | $ 17,000 |
| Flagstaff, AZ | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Florence, SC | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Florence-Muscle Shoals, AL | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Fort Smith, AR-OK | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Gadsden, AL | 1 | $ 215,000 | $ 215,000 | $ 110,000 |
| Gettysburg, PA | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| Glens Falls, NY | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Goldsboro, NC | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Grand Island, NE | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Grants Pass, OR | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Greenville, NC | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Homosassa Springs, FL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 105,000 | $ 105,000 | $ 223,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 635,000 | $ 635,000 | $ 420,000 |
| Kalamazoo-Portage, MI | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Lake Charles, LA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lebanon, PA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lewiston-Auburn, ME | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Logan, UT-ID | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Longview, WA | 1 | $ 335,000 | $ 335,000 | $ 167,000 |
| Lynchburg, VA | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Mankato-North Mankato, MN | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Mansfield, OH | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Monroe, LA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Morgantown, WV | 1 | $ 405,000 | $ 405,000 | $ 53,000 |
| Napa, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Pittsfield, MA | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Pocatello, ID | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Redding, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Rochester, MN | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| San Angelo, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Santa Fe, NM | 1 | $ 235,000 | $ 235,000 | $ 210,000 |
| Sebastian-Vero Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sebring, FL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 385,000 | $ 385,000 | $ 234,000 |
| Spokane-Spokane Valley, WA | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| St. Cloud, MN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Topeka, KS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Valdosta, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Wichita, KS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Williamsport, PA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Yuba City, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of America in 2021
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 | 4,740 | $1,078,760,000 | $227,000 | $3,555,000 | $100,000 | $1,680,000 |
| Cash-out Refinancing | 341 | $78,275,000 | $229,000 | $765,000 | $91,000 | $430,000 |
| Not Applicable | 322 | $34,570,000 | $107,000 | $705,000 | $0 | $0 |
| Refinancing | 314 | $70,850,000 | $225,000 | $915,000 | $97,000 | $1,929,000 |
| Other Purpose | 163 | $31,045,000 | $190,000 | $905,000 | $99,000 | $1,102,000 |
| Home Improvement | 50 | $7,950,000 | $159,000 | $1,005,000 | $90,000 | $393,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 2,959 | $681,525,000 | $230,000 | $1,005,000 | $91,000 | $1,377,000 |
| Not applicable | 1,817 | $350,975,000 | $193,000 | $3,555,000 | $0 | $0 |
| White | 491 | $113,825,000 | $231,000 | $1,005,000 | $125,000 | $1,153,000 |
| Not Provided | 458 | $103,300,000 | $225,000 | $1,005,000 | $99,000 | $1,670,000 |
| Black or African American | 125 | $30,805,000 | $246,000 | $655,000 | $151,000 | $1,929,000 |
| Asian | 46 | $12,720,000 | $276,000 | $845,000 | $175,000 | $1,680,000 |
| American Indian or Alaskan Native | 23 | $5,435,000 | $236,000 | $635,000 | $109,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $91,000 | $91,000 |
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) | 5,930 | $1,301,450,000 | $219,000 | $3,555,000 | $99,000 | $1,929,000 |
| 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 Originated | 2,740 | $648,730,000 | $236,000 | $3,555,000 | $96,000 | $1,929,000 |
| Loan Purchased By The Institution | 1,754 | $328,340,000 | $187,000 | $945,000 | $0 | $0 |
| Application Withdrawn By Applicant | 873 | $204,925,000 | $234,000 | $1,005,000 | $106,000 | $1,680,000 |
| Application Denied By Financial Institution | 430 | $91,940,000 | $213,000 | $975,000 | $99,000 | $1,377,000 |
| File Closed For Incompleteness | 104 | $20,710,000 | $199,000 | $805,000 | $106,000 | $900,000 |
| Application Approved But Not Accepted | 29 | $6,805,000 | $234,000 | $625,000 | $142,000 | $1,670,000 |
| 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 | 5,500 | $1,209,510,000 | $219,000 | $3,555,000 | $99,000 | $1,929,000 |
| Collateral | 163 | $33,705,000 | $206,000 | $975,000 | $102,000 | $413,000 |
| Credit History | 118 | $25,200,000 | $213,000 | $905,000 | $103,000 | $1,377,000 |
| Debt-To-Income Ratio | 48 | $11,380,000 | $237,000 | $625,000 | $55,000 | $172,000 |
| Unverifiable Information | 33 | $6,525,000 | $197,000 | $455,000 | $82,000 | $307,000 |
| Other | 32 | $7,450,000 | $232,000 | $695,000 | $148,000 | $1,102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $5,690,000 | $218,000 | $415,000 | $101,000 | $445,000 |
| Credit Application Incomplete | 8 | $1,600,000 | $200,000 | $355,000 | $97,000 | $176,000 |
| Employment History | 2 | $390,000 | $195,000 | $305,000 | $128,000 | $214,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of America's 2021 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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