First National Bank Of America Mortgage Rates, Fees & Info
East Lansing, MILEI: 254900WTZC5SSKIN2M11
Tax ID: 38-1470765
1 stars - Updated: 3/16/25
-
out of 5 stars, based on 59 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
First National Bank Of America is a smaller bank specializing in Home Purchase loans. First National Bank Of America has a high proportion of conventional loans. Their top markets by origination volume include: Atlanta, Washington, New York, Chicago, and Boston among others. We have data for 295 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of America has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First National Bank Of America is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 9.79% | 3/16/25 |
| 30 Year Conventional Refi | 9.31% | 3/16/25 |
| 30 Year Cash-out Refi | 9.63% | 3/16/25 |
| 15 Year Conventional Purchase | 10.39% | 3/16/25 |
| 15 Year Conventional Refi | 9.08% | 3/16/25 |
| 15 Year Cash-out Refi | 9.08% | 3/16/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First National Bank Of America Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First National Bank Of America. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,437Origination Dollar Volume (All Markets)
$948,885,000Relative Rate
First National Bank Of America's average 30 year fixed mortgage rate was
10.01%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 3.53%.
Relative Fees (Closing Costs)
First National Bank Of America's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,757.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 266 | $72,420,000 | $272,256 | $11,483 | 10.12% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 212 | $65,330,000 | $308,160 | $13,298 | 9.91% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 148 | $56,020,000 | $378,514 | $16,010 | 9.89% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 224 | $43,340,000 | $193,482 | $10,177 | 9.78% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 90 | $39,810,000 | $442,333 | $15,985 | 9.83% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 94 | $37,890,000 | $403,085 | $14,659 | 9.79% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 107 | $28,835,000 | $269,486 | $11,263 | 10.12% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 84 | $26,300,000 | $313,095 | $13,633 | 9.94% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 103 | $25,335,000 | $245,971 | $11,569 | 10.02% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 100 | $20,690,000 | $206,900 | $9,788 | 10.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 50 | $20,520,000 | $410,400 | $13,585 | 9.75% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 51 | $16,875,000 | $330,882 | $13,205 | 9.95% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 54 | $15,870,000 | $293,889 | $12,244 | 9.86% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 69 | $15,715,000 | $227,754 | $11,064 | 10.14% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 59 | $15,515,000 | $262,966 | $11,645 | 10.60% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 47 | $13,705,000 | $291,596 | $12,695 | 10.10% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 49 | $13,295,000 | $271,327 | $11,695 | 10.15% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 38 | $13,250,000 | $348,684 | $14,281 | 10.20% |
| RICHMOND, VA (FHA|USDA|VA) | 57 | $13,235,000 | $232,193 | $10,554 | 10.01% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 15 | $13,175,000 | $878,333 | $3,733 | 7.76% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 40 | $12,590,000 | $314,750 | $13,415 | 10.35% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 43 | $12,565,000 | $292,209 | $12,505 | 10.01% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 39 | $10,815,000 | $277,308 | $12,113 | 9.90% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 43 | $10,795,000 | $251,047 | $9,924 | 9.67% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 28 | $10,650,000 | $380,357 | $13,568 | 9.72% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 38 | $10,650,000 | $280,263 | $11,285 | 10.10% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 37 | $9,425,000 | $254,730 | $10,244 | 9.96% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 23 | $9,145,000 | $397,609 | $14,430 | 10.02% |
| LOUISVILLE, KY (FHA|USDA|VA) | 46 | $8,570,000 | $186,304 | $8,831 | 10.32% |
| Outside of Metro Areas | 43 | $8,415,000 | $195,698 | $8,087 | 10.05% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 39 | $7,395,000 | $189,615 | $8,463 | 10.21% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 22 | $6,360,000 | $289,091 | $11,853 | 10.18% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 38 | $6,350,000 | $167,105 | $8,007 | 10.22% |
| SALEM, OR (FHA|USDA|VA) | 16 | $6,200,000 | $387,500 | $14,308 | 9.96% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 16 | $5,840,000 | $365,000 | $13,980 | 10.20% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 24 | $5,560,000 | $231,667 | $9,673 | 9.91% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 22 | $5,550,000 | $252,273 | $10,238 | 10.23% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 20 | $5,330,000 | $266,500 | $10,641 | 10.24% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 30 | $5,300,000 | $176,667 | $8,256 | 10.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 22 | $4,910,000 | $223,182 | $9,034 | 10.16% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $4,710,000 | $471,000 | $16,789 | 9.98% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 22 | $4,680,000 | $212,727 | $9,852 | 10.23% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 21 | $4,645,000 | $221,190 | $10,211 | 10.02% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 15 | $4,395,000 | $293,000 | $13,806 | 10.46% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 23 | $4,385,000 | $190,652 | $9,116 | 10.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 22 | $3,950,000 | $179,545 | $7,550 | 10.43% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $3,890,000 | $243,125 | $10,846 | 10.04% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $3,850,000 | $275,000 | $10,694 | 10.37% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 16 | $3,850,000 | $240,625 | $10,751 | 9.96% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 21 | $3,775,000 | $179,762 | $7,932 | 10.19% |
| NILES, MI (FHA|USDA|VA) | 1 | $3,755,000 | $3,755,000 | $0 | 7.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 8 | $3,670,000 | $458,750 | $15,996 | 9.37% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 11 | $3,665,000 | $333,182 | $12,479 | 10.09% |
| MODESTO, CA (FHA|USDA|VA) | 10 | $3,610,000 | $361,000 | $12,372 | 9.94% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 12 | $3,560,000 | $296,667 | $11,603 | 9.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,510,000 | $585,000 | $16,829 | 9.46% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $3,495,000 | $388,333 | $14,242 | 9.44% |
| STOCKTON, CA (FHA|USDA|VA) | 9 | $3,335,000 | $370,556 | $13,013 | 9.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 20 | $3,030,000 | $151,500 | $7,682 | 10.94% |
| COLUMBIA, SC (FHA|USDA|VA) | 10 | $2,900,000 | $290,000 | $11,102 | 10.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $2,870,000 | $478,333 | $15,612 | 9.90% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $2,865,000 | $409,286 | $13,083 | 9.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $2,680,000 | $446,667 | $15,904 | 9.29% |
| MERCED, CA (FHA|USDA|VA) | 8 | $2,530,000 | $316,250 | $12,010 | 9.91% |
| ROANOKE, VA (FHA|USDA|VA) | 15 | $2,455,000 | $163,667 | $8,873 | 10.16% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $2,405,000 | $160,333 | $8,736 | 10.63% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $10,622 | 9.69% |
| RENO, NV (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $12,282 | 9.72% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 16 | $2,220,000 | $138,750 | $7,096 | 10.30% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $10,513 | 10.35% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $13,082 | 9.66% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 8 | $2,100,000 | $262,500 | $11,516 | 9.34% |
| Vineyard Haven, MA (FHA|USDA|VA) | 3 | $1,975,000 | $658,333 | $20,271 | 10.28% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,955,000 | $391,000 | $13,012 | 10.05% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $1,920,000 | $192,000 | $9,040 | 9.85% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 9 | $1,885,000 | $209,444 | $9,357 | 10.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 10 | $1,870,000 | $187,000 | $8,403 | 10.40% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 12 | $1,860,000 | $155,000 | $7,313 | 10.28% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 11 | $1,845,000 | $167,727 | $8,500 | 10.90% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $8,716 | 9.03% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $14,586 | 9.72% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $11,620 | 9.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $1,660,000 | $166,000 | $7,785 | 10.29% |
| WILMINGTON, NC (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $8,418 | 10.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $8,332 | 9.97% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $9,926 | 9.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $10,267 | 9.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $9,236 | 9.81% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $10,814 | 10.10% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 6 | $1,290,000 | $215,000 | $10,339 | 10.39% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $12,767 | 8.84% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $19,382 | 9.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $10,741 | 9.62% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $11,082 | 9.30% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $13,975 | 9.50% |
| Lewisburg, TN (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $11,843 | 9.42% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $9,533 | 9.66% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $18,937 | 10.31% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $10,793 | 9.83% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $11,884 | 10.04% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $11,490 | 9.59% |
| ROME, GA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $10,160 | 11.03% |
| Centralia, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $11,220 | 11.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $9,120 | 9.41% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $11,422 | 10.75% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $8,314 | 10.53% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $14,308 | 10.81% |
| Torrington, CT (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $11,040 | 10.31% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $14,754 | 10.06% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $9,085 | 9.79% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $14,872 | 9.56% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $11,690 | 9.67% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $9,372 | 10.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $11,646 | 8.87% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $9,689 | 9.90% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $11,735 | 10.08% |
| MADERA, CA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $10,811 | 9.92% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,998 | 9.83% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $10,205 | 10.17% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $11,725 | 10.00% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $25,843 | 10.13% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $7,177 | 10.94% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $12,692 | 9.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $7,042 | 9.79% |
| ROCKFORD, IL (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $7,068 | 10.35% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $8,646 | 10.09% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $13,614 | 11.56% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $9,501 | 9.03% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,641 | 10.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $7,551 | 9.18% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $13,869 | 11.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $11,481 | 9.56% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $7,661 | 10.62% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $9,961 | 9.83% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $8,574 | 10.37% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $14,559 | 9.56% |
| Heber, UT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $17,325 | 9.13% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $11,173 | 9.44% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $14,349 | 9.50% |
| BEND, OR (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $11,593 | 9.50% |
| REDDING, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $23,347 | 10.75% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $9,883 | 9.87% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $7,228 | 9.88% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,518 | 9.88% |
| Hobbs, NM (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $13,070 | 11.44% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $11,076 | 9.81% |
| Othello, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $10,527 | 10.38% |
| PEORIA, IL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,925 | 9.44% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $17,882 | 8.88% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,017 | 10.19% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,560 | 10.29% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,927 | 9.96% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $8,139 | 9.96% |
| COLUMBUS, IN (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $6,413 | 9.92% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,496 | 9.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,900 | 10.06% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,867 | 9.81% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $13,967 | 9.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $13,134 | 9.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $8,847 | 10.00% |
| Laconia, NH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $15,787 | 9.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $17,303 | 11.75% |
| DOVER, DE (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,933 | 10.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,154 | 9.79% |
| DOTHAN, AL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,598 | 10.08% |
| READING, PA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $7,861 | 10.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,080 | 10.19% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,063 | 10.00% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,871 | 10.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,015 | 8.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,803 | 10.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,196 | 10.87% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,361 | 9.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $7,188 | 10.42% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $8,213 | 10.87% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,993 | 10.06% |
| Hailey, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,102 | 9.38% |
| Henderson, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,876 | 10.19% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,764 | 9.38% |
| Keene, NH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,476 | 9.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,208 | 10.62% |
| Rock Springs, WY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,155 | 9.94% |
| Wilson, NC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,407 | 9.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,796 | 8.38% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,365 | 9.38% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $15,333 | 9.63% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,466 | 9.12% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,706 | 10.69% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,262 | 9.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,924 | 10.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,809 | 10.63% |
| El Campo, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,366 | 11.19% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,421 | 10.63% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,240 | 8.88% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,014 | 9.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,143 | 10.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,345 | 10.00% |
| Bonham, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,100 | 10.38% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,016 | 10.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,239 | 9.56% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,193 | 10.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,895 | 8.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $9,292 | 10.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,084 | 8.88% |
| Salina, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,955 | 9.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,541 | 10.12% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,857 | 9.50% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,838 | 10.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,334 | 9.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,909 | 9.38% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,614 | 10.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,353 | 8.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,290 | 9.38% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $5,279 | 11.27% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 9.29% |
| Easton, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,785 | 9.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,547 | 9.13% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,934 | 9.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,632 | 8.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,254 | 8.25% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $8,069 | 11.75% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,093 | 9.87% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,678 | 9.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,394 | 9.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,077 | 9.50% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,441 | 11.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,087 | 10.00% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,336 | 9.25% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,071 | 9.50% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,709 | 9.19% |
| Fallon, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,755 | 11.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,606 | 8.75% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,819 | 11.56% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,693 | 9.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,730 | 9.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,001 | 9.38% |
| Payson, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,051 | 12.00% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,450 | 9.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,555 | 9.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,927 | 9.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,429 | 9.25% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,913 | 11.24% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,048 | 10.13% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,710 | 9.88% |
| Sanford, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,608 | 9.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $6,007 | 12.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 7.88% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,164 | 8.88% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,880 | 9.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,368 | 10.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,236 | 10.50% |
| West Plains, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,470 | 9.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,571 | 12.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,875 | 9.13% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,943 | 9.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,549 | 10.50% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,998 | 9.75% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,323 | 9.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,246 | 10.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.38% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,001 | 9.75% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,010 | 10.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,586 | 11.87% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,689 | 10.25% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,837 | 11.24% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,591 | 10.62% |
| Palatka, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,574 | 9.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,414 | 9.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,064 | 9.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 10.38% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,105 | 11.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,937 | 10.12% |
| Adrian, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,292 | 11.37% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,553 | 10.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,678 | 11.75% |
| Fitzgerald, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,743 | 9.75% |
| Fernley, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,251 | 9.88% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,220 | 9.13% |
| Jasper, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,213 | 12.00% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,334 | 8.88% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,539 | 9.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,090 | 11.75% |
| AKRON, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,924 | 10.38% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,025 | 9.87% |
| Austin, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,089 | 10.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,409 | 10.50% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,799 | 11.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.88% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,289 | 9.38% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,772 | 12.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,478 | 10.12% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,191 | 9.88% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.38% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,428 | 12.63% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $2,848 | 13.50% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,437 | $948,885,000 | $276,079 | $11,512 | 10.02% |
For 2023, First National Bank Of America's most frequently originated type of loan was Conventional, with 3,437 originations.
Loan Reason
For 2023, First National Bank Of America's most frequently cited loan purpose was Home Purchase, with 3,199 originations. The 2nd most popular reason was Cash Out Refi, with 73 originations.
Loan Duration/Length
For 2023, First National Bank Of America's most frequently cited loan duration was 30 Year, with 3,103 originations. The 2nd most popular length was 20 Year, with 131 originations.
Origination Fees/Closing Costs
First National Bank Of America's average total fees were $11,757, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,930 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 3,382 | $922,990,000 | $272,912 |
| 7-8% | 51 | $23,185,000 | $454,608 |
| 6-7% | 4 | $2,710,000 | $677,500 |
During 2023, First National Bank Of America's average interest rate for loans was 10.01%, while their most frequently originated rate bucket for loans was Over 8%, with 3,382 originations.
Loan Sizing
2023 saw First National Bank Of America place emphasis on $200k-400k loans with 1,831 originations, totaling $518,785,000 in origination value.
Applicant Income
First National Bank Of America lent most frequently to those with incomes in the $100k-150k range, with 878 originations. The second most popular income band? $75k-100k, with 749 originations.
Applicant Debt to Income Ratio
First National Bank Of America lent most frequently to those with DTI ratios of 30-36%, with 555 originations. The next most common DTI ratio? 20-30%, with 540 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.84%
First National Bank Of America has an average approval rate.
Pick Rate
Approvals leading to origination71.81%
First National Bank Of America has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,437 | $948,885,000 | $276,079 |