First National Bank Of America Mortgage Rates, Fees & Info
East Lansing, MILEI: 254900WTZC5SSKIN2M11
Tax ID: 38-1470765
1 stars
-
out of 5 stars, based on 60 reviews
Latest/2022 | 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: Washington, New York, Atlanta, Chicago, and Boston among others. We have data for 309 markets. (Some data included below & more in-depth data is available with an active subscription.)First National Bank Of America has an above 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% | 6/7/23 |
| 30 Year Conventional Refi | 9.31% | 6/7/23 |
| 30 Year Cash-out Refi | 9.63% | 6/7/23 |
| 15 Year Conventional Purchase | 10.39% | 6/7/23 |
| 15 Year Conventional Refi | 9.08% | 6/7/23 |
| 15 Year Cash-out Refi | 9.08% | 6/7/23 |
| 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
3,628Origination Dollar Volume (All Markets)
$961,990,000Relative Rate
First National Bank Of America's average 30 year fixed mortgage rate was
8.28%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 3.52%.
Relative Fees (Closing Costs)
First National Bank Of America's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,093.
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 $4,750.
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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 264 | $79,920,000 | $302,727 | $12,896 | 8.17% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 172 | $62,700,000 | $364,535 | $15,003 | 8.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 211 | $56,085,000 | $265,806 | $10,125 | 8.48% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 228 | $43,150,000 | $189,254 | $9,948 | 8.26% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 103 | $41,875,000 | $406,553 | $15,404 | 8.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 96 | $38,630,000 | $402,396 | $13,964 | 8.23% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 166 | $35,400,000 | $213,253 | $9,584 | 8.40% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 108 | $34,040,000 | $315,185 | $13,268 | 8.19% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 106 | $26,910,000 | $253,868 | $11,167 | 8.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 113 | $24,165,000 | $213,850 | $9,470 | 8.62% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 68 | $20,280,000 | $298,235 | $12,201 | 8.32% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 61 | $19,575,000 | $320,902 | $12,926 | 8.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 61 | $16,285,000 | $266,967 | $9,769 | 7.92% |
| RICHMOND, VA (FHA|USDA|VA) | 69 | $15,335,000 | $222,246 | $10,188 | 8.28% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 67 | $13,835,000 | $206,493 | $9,664 | 8.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 44 | $13,610,000 | $309,318 | $12,900 | 8.45% |
| Outside of Metro Areas | 65 | $13,175,000 | $202,692 | $8,632 | 8.40% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 20 | $12,930,000 | $646,500 | $6,046 | 6.47% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 49 | $12,845,000 | $262,143 | $10,839 | 8.16% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 50 | $12,600,000 | $252,000 | $10,043 | 8.14% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 63 | $12,285,000 | $195,000 | $8,223 | 8.53% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 28 | $11,890,000 | $424,643 | $13,605 | 8.18% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 36 | $10,820,000 | $300,556 | $12,827 | 8.47% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 42 | $10,570,000 | $251,667 | $10,206 | 7.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 46 | $9,130,000 | $198,478 | $8,331 | 8.97% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 39 | $8,745,000 | $224,231 | $10,256 | 8.91% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 23 | $8,195,000 | $356,304 | $13,878 | 8.14% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $8,120,000 | $338,333 | $11,942 | 8.04% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 29 | $7,885,000 | $271,897 | $10,519 | 8.16% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 30 | $7,610,000 | $253,667 | $11,377 | 8.49% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 43 | $7,575,000 | $176,163 | $8,266 | 8.60% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 20 | $7,490,000 | $374,500 | $13,742 | 8.01% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 34 | $7,390,000 | $217,353 | $9,263 | 8.29% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 30 | $6,980,000 | $232,667 | $9,372 | 8.17% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 34 | $6,680,000 | $196,471 | $9,623 | 7.96% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $6,110,000 | $3,055,000 | $5,616 | 6.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 24 | $6,010,000 | $250,417 | $9,924 | 9.28% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 21 | $5,975,000 | $284,524 | $11,842 | 8.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $5,615,000 | $267,381 | $8,590 | 7.91% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $5,325,000 | $409,615 | $13,219 | 7.42% |
| LOUISVILLE, KY (FHA|USDA|VA) | 31 | $4,645,000 | $149,839 | $7,713 | 8.83% |
| COLUMBUS, OH (FHA|USDA|VA) | 28 | $4,640,000 | $165,714 | $7,463 | 8.89% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 27 | $4,625,000 | $171,296 | $7,308 | 8.51% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 19 | $4,575,000 | $240,789 | $10,229 | 8.45% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 13 | $4,385,000 | $337,308 | $12,246 | 8.15% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 24 | $4,240,000 | $176,667 | $8,246 | 8.46% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $3,890,000 | $486,250 | $14,813 | 7.75% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,830,000 | $383,000 | $13,173 | 8.21% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 14 | $3,670,000 | $262,143 | $10,109 | 8.91% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 16 | $3,140,000 | $196,250 | $8,330 | 8.57% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 6 | $3,120,000 | $520,000 | $15,833 | 7.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 10 | $3,110,000 | $311,000 | $10,790 | 7.76% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $3,080,000 | $220,000 | $9,027 | 9.44% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 16 | $3,070,000 | $191,875 | $8,579 | 8.27% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 11 | $2,995,000 | $272,273 | $12,400 | 8.57% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $2,670,000 | $333,750 | $11,087 | 8.09% |
| SALEM, OR (FHA|USDA|VA) | 9 | $2,645,000 | $293,889 | $10,988 | 8.44% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $2,600,000 | $650,000 | $16,327 | 8.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 10 | $2,580,000 | $258,000 | $10,627 | 8.10% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $2,550,000 | $425,000 | $13,684 | 8.20% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $12,686 | 8.35% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $2,470,000 | $308,750 | $10,812 | 8.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 10 | $2,390,000 | $239,000 | $10,428 | 8.81% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $6,312 | 8.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 10 | $2,190,000 | $219,000 | $9,598 | 8.81% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,140,000 | $267,500 | $10,362 | 7.70% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 10 | $2,020,000 | $202,000 | $9,923 | 7.73% |
| GAINESVILLE, GA (FHA|USDA|VA) | 9 | $2,015,000 | $223,889 | $9,248 | 8.28% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $2,005,000 | $222,778 | $9,709 | 7.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $9,713 | 9.26% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,860,000 | $465,000 | $16,391 | 7.97% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $11,317 | 7.21% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $9,886 | 8.43% |
| ROANOKE, VA (FHA|USDA|VA) | 11 | $1,755,000 | $159,545 | $8,576 | 8.53% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $11,789 | 7.65% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 4 | $1,700,000 | $425,000 | $16,094 | 8.36% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $10,454 | 9.46% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $13,497 | 10.41% |
| YAKIMA, WA (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $9,512 | 7.38% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $9,755 | 7.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $11,081 | 8.27% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $6,797 | 8.93% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $10,594 | 7.91% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $11,224 | 9.09% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $11,681 | 6.91% |
| MORRISTOWN, TN (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $12,517 | 7.80% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 11 | $1,385,000 | $125,909 | $6,692 | 8.20% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $8,520 | 7.79% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $10,817 | 7.45% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $10,442 | 7.47% |
| DOVER, DE (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $10,870 | 8.17% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $11,383 | 8.44% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $9,316 | 7.46% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $9,070 | 7.06% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $14,202 | 7.29% |
| WENATCHEE, WA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $11,203 | 8.13% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $11,596 | 8.25% |
| Torrington, CT (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $12,985 | 7.97% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $10,614 | 7.89% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $9,585 | 8.19% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $10,991 | 6.68% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $13,272 | 7.83% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $11,150 | 8.31% |
| PANAMA CITY, FL (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $9,637 | 7.81% |
| BATON ROUGE, LA (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $7,170 | 9.86% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,055,000 | $150,714 | $8,265 | 8.45% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $17,650 | 6.94% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $7,621 | 8.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $6,583 | 8.19% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $7,848 | 7.79% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $8,135 | 9.69% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $0 | 6.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $8,204 | 8.53% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $10,229 | 8.17% |
| ROCKFORD, IL (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $8,836 | 9.16% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $0 | 5.54% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $15,226 | 7.43% |
| Othello, WA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $9,034 | 8.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $9,062 | 8.03% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $14,075 | 8.06% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $7,025 | 8.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $9,920 | 8.63% |
| DALTON, GA (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $8,058 | 8.06% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $26,130 | 7.90% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,274 | 8.13% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $11,111 | 9.42% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $10,747 | 8.04% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $7,811 | 9.13% |
| OCALA, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $10,406 | 8.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $21,894 | 9.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $16,030 | 9.38% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,560 | 8.71% |
| READING, PA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $12,846 | 9.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $7,580 | 8.94% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $10,164 | 8.00% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $10,660 | 7.69% |
| Shelton, WA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $7,820 | 8.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $7,756 | 8.28% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,475 | 6.81% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,208 | 9.04% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,882 | 8.63% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,992 | 7.06% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,260 | 8.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,997 | 8.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $17,875 | 8.38% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,404 | 8.75% |
| Moses Lake, WA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $7,257 | 7.44% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $490,000 | $81,667 | $5,793 | 7.00% |
| Bay City, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $12,591 | 7.94% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $13,308 | 7.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,182 | 7.75% |
| Key West, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $18,357 | 7.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,844 | 7.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,630 | 7.13% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,606 | 7.06% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,607 | 7.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,681 | 6.69% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $16,677 | 9.63% |
| Easton, MD (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,983 | 6.75% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $7,621 | 8.04% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $9,240 | 8.71% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,793 | 7.38% |
| AKRON, OH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,230 | 7.69% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $9,169 | 6.66% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $6,732 | 8.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,607 | 7.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $15,597 | 7.00% |
| Richmond, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,338 | 7.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,038 | 7.38% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $13,495 | 9.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $6,073 | 8.08% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $11,189 | 6.81% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,100 | 8.94% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,632 | 6.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,604 | 9.38% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,165 | 7.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,404 | 9.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $7,123 | 9.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,005 | 9.13% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,811 | 7.56% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,893 | 7.25% |
| Willmar, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,938 | 9.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,034 | 8.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,239 | 7.25% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,962 | 7.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,109 | 9.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,683 | 6.81% |
| RACINE, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,159 | 9.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,600 | 7.88% |
| MADERA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,089 | 7.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,308 | 7.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,057 | 7.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,875 | 10.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,135 | 7.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,522 | 8.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,383 | 9.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,497 | 9.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,337 | 6.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,224 | 7.12% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,800 | 9.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,101 | 9.50% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $7,412 | 7.88% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,000 | 7.63% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,473 | 10.25% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,765 | 7.00% |
| Ardmore, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $7,275 | 7.50% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,540 | 9.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,146 | 6.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,001 | 8.69% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,903 | 8.00% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,938 | 6.99% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,709 | 8.00% |
| Elko, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,469 | 7.74% |
| Barre, VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,925 | 7.25% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,641 | 7.75% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,441 | 6.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,834 | 7.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $7,193 | 7.75% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,659 | 7.13% |
| New Castle, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,673 | 8.38% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,334 | 9.38% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,191 | 12.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,522 | 7.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,623 | 7.49% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,037 | 8.19% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,443 | 7.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,411 | 8.88% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,639 | 7.88% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.38% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,560 | 7.75% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,301 | 10.13% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,972 | 10.25% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,304 | 11.00% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $7,208 | 10.81% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,824 | 7.88% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 11.88% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,834 | 7.38% |
| Tifton, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,348 | 8.75% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,569 | 9.50% |
| Sidney, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $5,354 | 7.41% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.00% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,329 | 8.81% |
| FLINT, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $6,187 | 8.88% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,184 | 7.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,359 | 6.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,661 | 8.00% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,934 | 7.38% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,731 | 7.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,235 | 9.13% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,709 | 7.38% |
| LIMA, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,383 | 8.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,601 | 8.75% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,596 | 6.75% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,815 | 6.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,208 | 9.25% |
| Burley, ID (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,958 | 6.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,741 | 6.88% |
| West Plains, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,007 | 6.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,047 | 9.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,657 | 6.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,375 | 8.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,457 | 7.25% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,123 | 8.13% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,582 | 9.87% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,906 | 10.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,418 | 7.50% |
| Austin, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,017 | 8.75% |
| Indiana, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,440 | 9.63% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.25% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,900 | 7.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,996 | 10.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,291 | 6.25% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,639 | 9.38% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,386 | 9.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,617 | 6.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,570 | 9.50% |
| Athens, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,343 | 7.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| Adrian, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,949 | 7.50% |
| Vernal, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,546 | 7.50% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,132 | 8.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,042 | 6.99% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,447 | 8.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,199 | 7.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,633 | 10.13% |
| Salem, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,106 | 10.00% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,913 | 10.25% |
| Mount Pleasant, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,938 | 10.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $7,175 | 6.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,694 | 7.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,100 | 9.62% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,210 | 6.99% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,731 | 7.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,848 | 6.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,426 | 8.38% |
| Seymour, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,553 | 8.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,969 | 9.25% |
| Marietta, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,096 | 8.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,358 | 9.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,113 | 9.50% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,198 | 10.45% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,166 | 8.50% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 13.88% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,794 | 10.50% |
| ELMIRA, NY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.45% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,628 | $961,990,000 | $265,157 | $10,815 | 8.28% |
For 2022, First National Bank Of America's most frequently originated type of loan was Conventional, with 3,628 originations.
Loan Reason
For 2022, First National Bank Of America's most frequently cited loan purpose was Home Purchase, with 3,309 originations. The 2nd most popular reason was Cash Out Refi, with 113 originations.
Loan Duration/Length
For 2022, First National Bank Of America's most frequently cited loan duration was 30 Year, with 3,253 originations. The 2nd most popular length was 20 Year, with 137 originations.
Origination Fees/Closing Costs
First National Bank Of America's average total fees were $11,093, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,935 originations.
Interest Rates
During 2022, First National Bank Of America's average interest rate for loans was 8.28%, while their most frequently originated rate bucket for loans was Over 8%, with 1,798 originations.
Loan Sizing
2022 saw First National Bank Of America place emphasis on $200k-400k loans with 1,818 originations, totaling $507,530,000 in origination value.
Applicant Income
First National Bank Of America lent most frequently to those with incomes in the $50k-75k range, with 969 originations. The second most popular income band? $75k-100k, with 797 originations.
Applicant Debt to Income Ratio
First National Bank Of America lent most frequently to those with DTI ratios of 20-30%, with 570 originations. The next most common DTI ratio? 30-36%, with 570 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.11%
First National Bank Of America has an average approval rate.
Pick Rate
Approvals leading to origination69.57%
First National Bank Of America has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,628 | $961,990,000 | $265,157 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |