First National Bank Of America Mortgage Rates, Fees & Info

East Lansing, MI

LEI: 254900WTZC5SSKIN2M11

Tax ID: 38-1470765

1 stars - Updated: 4/5/25 - out of 5 stars, based on 61 reviews

Latest/2024 | 2023 Data | 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 small 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, Boston, and Chicago among others. We have data for 332 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 10.07% 4/5/25
30 Year Conventional Refi 9.57% 4/5/25
30 Year Cash-out Refi 10.32% 4/5/25
15 Year Conventional Purchase 10.56% 4/5/25
15 Year Conventional Refi 10.09% 4/5/25
15 Year Cash-out Refi 10.09% 4/5/25
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

3,672

Origination Dollar Volume (All Markets)

$1,053,850,000

Relative Rate

First National Bank Of America's average 30 year fixed mortgage rate was 9.58%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 3.03%.

Relative Fees (Closing Costs)

First National Bank Of America's average total fees/closing costs for a 30 year fixed rate mortgage were $12,107.

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 $8,356.

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) 282 $77,960,000 $276,454 $11,409 9.72%
Outside of Metro Areas 225 $62,825,000 $279,222 $12,113 9.67%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 187 $62,615,000 $334,840 $14,278 9.48%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 132 $55,230,000 $418,409 $17,595 9.47%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 110 $47,580,000 $432,545 $16,046 9.34%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 211 $45,325,000 $214,810 $11,211 9.59%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 92 $26,340,000 $286,304 $11,419 9.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 108 $26,300,000 $243,519 $10,849 9.93%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 96 $25,490,000 $265,521 $12,442 9.38%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 56 $24,930,000 $445,179 $15,755 9.26%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 85 $23,905,000 $281,235 $12,031 9.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 68 $21,660,000 $318,529 $12,609 9.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 65 $19,515,000 $300,231 $11,620 9.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 78 $18,640,000 $238,974 $10,775 9.89%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 49 $18,135,000 $370,102 $12,854 9.58%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 58 $16,570,000 $285,690 $11,393 9.54%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 39 $15,255,000 $391,154 $14,277 9.29%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 40 $14,540,000 $363,500 $14,038 9.91%
WORCESTER, MA-CT (FHA|USDA|VA) 43 $14,535,000 $338,023 $13,528 9.43%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $13,445,000 $298,778 $13,104 9.89%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 59 $13,425,000 $227,542 $9,629 9.82%
RALEIGH-CARY, NC (FHA|USDA|VA) 44 $12,440,000 $282,727 $11,844 9.82%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 47 $12,205,000 $259,681 $11,683 9.77%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 53 $11,425,000 $215,566 $8,560 9.76%
RICHMOND, VA (FHA|USDA|VA) 40 $10,920,000 $273,000 $11,491 9.54%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 19 $10,785,000 $567,632 $9,198 8.19%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 32 $9,610,000 $300,313 $13,114 9.91%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 36 $9,360,000 $260,000 $10,881 9.70%
Traverse City, MI (FHA|USDA|VA) 4 $8,390,000 $2,097,500 $7,132 6.13%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 36 $8,140,000 $226,111 $10,807 9.91%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 35 $7,295,000 $208,429 $9,525 9.72%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $7,055,000 $470,333 $16,126 9.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 18 $6,980,000 $387,778 $14,583 9.18%
LOUISVILLE, KY (FHA|USDA|VA) 38 $6,900,000 $181,579 $8,591 9.83%
GREELEY, CO (FHA|USDA|VA) 15 $6,555,000 $437,000 $14,601 9.34%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 14 $6,190,000 $442,143 $17,044 9.27%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 15 $5,775,000 $385,000 $14,363 9.42%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 26 $5,750,000 $221,154 $10,388 9.92%
Mount Pleasant, MI (FHA|USDA|VA) 1 $5,305,000 $5,305,000 $0 7.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 25 $5,005,000 $200,200 $9,404 9.47%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 11 $4,905,000 $445,909 $16,397 9.26%
ROANOKE, VA (FHA|USDA|VA) 28 $4,880,000 $174,286 $9,104 9.41%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 29 $4,785,000 $165,000 $8,033 9.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 20 $4,770,000 $238,500 $10,005 9.61%
SALT LAKE CITY, UT (FHA|USDA|VA) 14 $4,660,000 $332,857 $12,116 9.27%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 24 $4,610,000 $192,083 $9,159 9.70%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 16 $4,350,000 $271,875 $11,964 9.84%
KANSAS CITY, MO-KS (FHA|USDA|VA) 18 $4,260,000 $236,667 $10,856 9.14%
FRESNO, CA (FHA|USDA|VA) 14 $3,890,000 $277,857 $10,029 9.13%
COLUMBUS, OH (FHA|USDA|VA) 18 $3,580,000 $198,889 $9,045 10.41%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 12 $3,570,000 $297,500 $11,604 9.62%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $3,535,000 $505,000 $11,969 9.16%
SALEM, OR (FHA|USDA|VA) 10 $3,490,000 $349,000 $12,317 8.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $3,450,000 $345,000 $11,202 9.29%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,450,000 $575,000 $20,801 9.14%
SALISBURY, MD-DE (FHA|USDA|VA) 13 $3,345,000 $257,308 $11,807 9.58%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 13 $3,315,000 $255,000 $8,702 9.85%
MODESTO, CA (FHA|USDA|VA) 9 $3,305,000 $367,222 $11,614 8.89%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 16 $3,230,000 $201,875 $8,975 9.13%
RENO, NV (FHA|USDA|VA) 14 $3,080,000 $220,000 $8,730 9.70%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $3,040,000 $253,333 $12,348 9.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 13 $2,965,000 $228,077 $10,538 9.78%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 11 $2,915,000 $265,000 $11,482 9.19%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $2,860,000 $286,000 $12,172 9.96%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $2,650,000 $189,286 $9,907 9.18%
MERCED, CA (FHA|USDA|VA) 8 $2,590,000 $323,750 $12,099 9.61%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 9 $2,585,000 $287,222 $13,952 9.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 12 $2,550,000 $212,500 $9,247 10.28%
STOCKTON, CA (FHA|USDA|VA) 9 $2,285,000 $253,889 $10,021 9.26%
FAYETTEVILLE, NC (FHA|USDA|VA) 10 $2,260,000 $226,000 $9,674 10.07%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 10 $2,220,000 $222,000 $10,338 10.02%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $2,185,000 $312,143 $13,079 9.38%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $2,130,000 $532,500 $18,744 9.25%
BAKERSFIELD, CA (FHA|USDA|VA) 8 $2,060,000 $257,500 $11,457 8.72%
PROVO-OREM, UT (FHA|USDA|VA) 4 $2,040,000 $510,000 $16,052 9.28%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $1,900,000 $237,500 $11,371 10.70%
SAVANNAH, GA (FHA|USDA|VA) 8 $1,870,000 $233,750 $11,196 10.45%
ASHEVILLE, NC (FHA|USDA|VA) 7 $1,865,000 $266,429 $10,441 9.67%
GAINESVILLE, GA (FHA|USDA|VA) 7 $1,835,000 $262,143 $10,994 9.50%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,810,000 $301,667 $10,864 9.64%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 10 $1,800,000 $180,000 $9,505 10.31%
OCEAN CITY, NJ (FHA|USDA|VA) 5 $1,775,000 $355,000 $12,778 9.40%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,690,000 $281,667 $10,788 9.85%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,675,000 $239,286 $10,815 9.30%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,600,000 $266,667 $12,519 9.94%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 4 $1,590,000 $397,500 $15,424 9.34%
Alma, MI (FHA|USDA|VA) 4 $1,590,000 $397,500 $7,747 9.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 6 $1,590,000 $265,000 $10,813 9.23%
KNOXVILLE, TN (FHA|USDA|VA) 6 $1,560,000 $260,000 $12,217 9.39%
VISALIA, CA (FHA|USDA|VA) 6 $1,550,000 $258,333 $9,733 8.77%
TULSA, OK (FHA|USDA|VA) 5 $1,545,000 $309,000 $12,676 9.84%
Vineyard Haven, MA (FHA|USDA|VA) 2 $1,540,000 $770,000 $24,726 8.24%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 4 $1,510,000 $377,500 $9,551 9.42%
PITTSBURGH, PA (FHA|USDA|VA) 9 $1,475,000 $163,889 $8,957 9.62%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,475,000 $295,000 $12,156 9.27%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $19,813 9.09%
Shelbyville, TN (FHA|USDA|VA) 3 $1,395,000 $465,000 $13,144 9.75%
SALINAS, CA (FHA|USDA|VA) 3 $1,395,000 $465,000 $15,516 9.33%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $1,375,000 $275,000 $12,169 9.02%
BATON ROUGE, LA (FHA|USDA|VA) 8 $1,370,000 $171,250 $9,270 9.31%
SPARTANBURG, SC (FHA|USDA|VA) 7 $1,345,000 $192,143 $9,563 10.11%
Breckenridge, CO (FHA|USDA|VA) 2 $1,340,000 $670,000 $19,499 9.07%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,305,000 $435,000 $13,410 8.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,280,000 $213,333 $9,214 8.71%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,275,000 $182,143 $8,834 8.77%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,245,000 $415,000 $13,520 8.62%
ROCKY MOUNT, NC (FHA|USDA|VA) 5 $1,245,000 $249,000 $10,459 9.80%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,235,000 $247,000 $10,440 8.70%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,225,000 $408,333 $14,822 8.54%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,225,000 $245,000 $11,820 9.05%
Clearlake, CA (FHA|USDA|VA) 4 $1,220,000 $305,000 $10,982 9.53%
RACINE, WI (FHA|USDA|VA) 6 $1,220,000 $203,333 $6,591 9.64%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,210,000 $201,667 $8,189 9.94%
Jefferson, GA (FHA|USDA|VA) 3 $1,175,000 $391,667 $15,125 8.58%
SPRINGFIELD, MA (FHA|USDA|VA) 5 $1,175,000 $235,000 $10,868 9.75%
MADERA, CA (FHA|USDA|VA) 3 $1,175,000 $391,667 $14,136 9.08%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $1,120,000 $280,000 $9,175 9.34%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $1,115,000 $371,667 $11,390 8.25%
BURLINGTON, NC (FHA|USDA|VA) 4 $1,110,000 $277,500 $11,528 9.15%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $1,110,000 $277,500 $10,432 10.09%
GREENVILLE, NC (FHA|USDA|VA) 3 $1,085,000 $361,667 $13,561 10.71%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $12,771 10.83%
VALLEJO, CA (FHA|USDA|VA) 3 $1,065,000 $355,000 $11,787 8.96%
Sandpoint, ID (FHA|USDA|VA) 2 $1,060,000 $530,000 $21,120 8.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $8,809 9.40%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,010,000 $252,500 $10,266 8.56%
Red Bluff, CA (FHA|USDA|VA) 3 $975,000 $325,000 $12,762 9.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $965,000 $321,667 $11,868 10.21%
WILMINGTON, NC (FHA|USDA|VA) 4 $960,000 $240,000 $10,575 9.90%
ANN ARBOR, MI (FHA|USDA|VA) 4 $960,000 $240,000 $7,113 8.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $940,000 $235,000 $7,492 10.28%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $915,000 $183,000 $8,009 10.30%
Henderson, NC (FHA|USDA|VA) 5 $905,000 $181,000 $9,149 9.37%
COLUMBUS, IN (FHA|USDA|VA) 4 $870,000 $217,500 $8,340 9.06%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $870,000 $217,500 $9,351 9.87%
ROCKFORD, IL (FHA|USDA|VA) 7 $855,000 $122,143 $7,446 10.70%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $850,000 $425,000 $15,133 8.94%
LYNCHBURG, VA (FHA|USDA|VA) 5 $785,000 $157,000 $8,421 9.03%
Holland, MI (FHA|USDA|VA) 4 $770,000 $192,500 $6,797 8.66%
YAKIMA, WA (FHA|USDA|VA) 3 $755,000 $251,667 $10,120 10.29%
TUCSON, AZ (FHA|USDA|VA) 3 $735,000 $245,000 $9,688 9.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $730,000 $182,500 $9,899 9.12%
MONTGOMERY, AL (FHA|USDA|VA) 5 $725,000 $145,000 $7,940 9.88%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $710,000 $355,000 $16,014 10.19%
Gainesville, TX (FHA|USDA|VA) 1 $685,000 $685,000 $26,457 9.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $660,000 $330,000 $13,636 9.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 6 $660,000 $110,000 $6,562 9.89%
Centralia, WA (FHA|USDA|VA) 3 $645,000 $215,000 $8,332 9.67%
Lewisburg, TN (FHA|USDA|VA) 2 $640,000 $320,000 $11,592 11.06%
Port Angeles, WA (FHA|USDA|VA) 2 $600,000 $300,000 $13,691 8.44%
HARRISONBURG, VA (FHA|USDA|VA) 3 $595,000 $198,333 $9,645 9.58%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $590,000 $295,000 $9,794 9.19%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $585,000 $585,000 $20,600 10.75%
Cedartown, GA (FHA|USDA|VA) 2 $580,000 $290,000 $12,577 9.12%
Easton, MD (FHA|USDA|VA) 3 $575,000 $191,667 $10,009 10.21%
Orangeburg, SC (FHA|USDA|VA) 3 $575,000 $191,667 $9,855 9.54%
ODESSA, TX (FHA|USDA|VA) 1 $565,000 $565,000 $22,136 9.13%
Jackson, WY-ID (FHA|USDA|VA) 1 $555,000 $555,000 $21,052 10.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $550,000 $275,000 $11,771 10.06%
DANVILLE, IL (FHA|USDA|VA) 1 $525,000 $525,000 $12,198 11.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $520,000 $260,000 $11,130 9.93%
Boone, NC (FHA|USDA|VA) 1 $505,000 $505,000 $17,674 8.24%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $505,000 $168,333 $7,872 9.92%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $500,000 $250,000 $8,370 10.94%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $500,000 $250,000 $15,442 10.94%
El Campo, TX (FHA|USDA|VA) 2 $490,000 $245,000 $11,908 9.44%
OCALA, FL (FHA|USDA|VA) 2 $490,000 $245,000 $10,435 8.18%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $9,107 8.81%
ROME, GA (FHA|USDA|VA) 3 $485,000 $161,667 $8,752 9.66%
Outside of Metro Areas 1 $475,000 $475,000 $19,525 9.25%
Campbellsville, KY (FHA|USDA|VA) 1 $475,000 $475,000 $14,420 9.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $475,000 $475,000 $17,405 11.25%
Fernley, NV (FHA|USDA|VA) 1 $475,000 $475,000 $17,966 8.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $470,000 $117,500 $7,634 9.47%
OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $470,000 $235,000 $11,498 9.31%
Cookeville, TN (FHA|USDA|VA) 1 $465,000 $465,000 $17,863 12.24%
MEDFORD, OR (FHA|USDA|VA) 3 $455,000 $151,667 $7,886 9.83%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $455,000 $151,667 $8,568 9.58%
Richmond-Berea, KY (FHA|USDA|VA) 2 $450,000 $225,000 $10,664 9.68%
DECATUR, AL (FHA|USDA|VA) 3 $445,000 $148,333 $7,907 9.08%
Keene, NH (FHA|USDA|VA) 1 $445,000 $445,000 $3,598 9.63%
JACKSON, MS (FHA|USDA|VA) 3 $445,000 $148,333 $8,096 8.71%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $440,000 $220,000 $8,534 10.56%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $435,000 $145,000 $7,498 11.08%
DALTON, GA (FHA|USDA|VA) 3 $435,000 $145,000 $7,908 11.66%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $430,000 $215,000 $9,337 11.06%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $425,000 $425,000 $15,742 10.63%
Cadillac, MI (FHA|USDA|VA) 1 $425,000 $425,000 $17,081 10.38%
LaGrange, GA-AL (FHA|USDA|VA) 2 $420,000 $210,000 $8,677 8.63%
WICHITA, KS (FHA|USDA|VA) 3 $415,000 $138,333 $6,531 9.50%
Astoria, OR (FHA|USDA|VA) 1 $395,000 $395,000 $15,404 9.75%
WALLA WALLA, WA (FHA|USDA|VA) 2 $380,000 $190,000 $9,150 10.18%
BOISE CITY, ID (FHA|USDA|VA) 1 $375,000 $375,000 $13,034 8.75%
BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $14,312 8.75%
Albertville, AL (FHA|USDA|VA) 2 $360,000 $180,000 $8,117 10.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $355,000 $355,000 $11,949 8.75%
Lake City, FL (FHA|USDA|VA) 1 $355,000 $355,000 $0 8.13%
New Castle, IN (FHA|USDA|VA) 2 $350,000 $175,000 $8,389 9.63%
AKRON, OH (FHA|USDA|VA) 2 $350,000 $175,000 $9,236 9.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $10,887 8.50%
Hutchinson, MN (FHA|USDA|VA) 1 $345,000 $345,000 $11,257 8.25%
Brookings, OR (FHA|USDA|VA) 1 $345,000 $345,000 $11,352 9.38%
JACKSON, MI (FHA|USDA|VA) 3 $345,000 $115,000 $4,890 9.75%
Frankfort, KY (FHA|USDA|VA) 2 $340,000 $170,000 $8,757 9.25%
COLUMBIA, SC (FHA|USDA|VA) 2 $340,000 $170,000 $7,790 9.87%
PUEBLO, CO (FHA|USDA|VA) 2 $340,000 $170,000 $8,411 10.69%
GAINESVILLE, FL (FHA|USDA|VA) 3 $335,000 $111,667 $4,582 9.15%
Bozeman, MT (FHA|USDA|VA) 1 $325,000 $325,000 $9,984 8.75%
Aberdeen, WA (FHA|USDA|VA) 1 $325,000 $325,000 $10,285 9.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $320,000 $160,000 $9,181 9.50%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $320,000 $160,000 $7,108 10.13%
ANCHORAGE, AK (FHA|USDA|VA) 1 $315,000 $315,000 $10,891 9.50%
Ottawa, IL (FHA|USDA|VA) 2 $310,000 $155,000 $9,043 10.94%
READING, PA (FHA|USDA|VA) 1 $305,000 $305,000 $9,805 8.75%
Coldwater, MI (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $295,000 $295,000 $9,587 10.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $295,000 $295,000 $13,801 9.13%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $290,000 $145,000 $8,645 8.49%
Ashtabula, OH (FHA|USDA|VA) 1 $285,000 $285,000 $8,584 9.00%
Elko, NV (FHA|USDA|VA) 1 $285,000 $285,000 $10,238 10.38%
KANKAKEE, IL (FHA|USDA|VA) 1 $285,000 $285,000 $8,394 7.75%
Austin, MN (FHA|USDA|VA) 3 $285,000 $95,000 $6,305 9.54%
Shelton, WA (FHA|USDA|VA) 1 $275,000 $275,000 $10,049 8.38%
POCATELLO, ID (FHA|USDA|VA) 1 $275,000 $275,000 $11,826 9.24%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $270,000 $135,000 $8,502 10.31%
SYRACUSE, NY (FHA|USDA|VA) 2 $270,000 $135,000 $7,323 9.63%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $265,000 $265,000 $9,592 9.50%
Seymour, IN (FHA|USDA|VA) 1 $265,000 $265,000 $10,513 11.88%
FLINT, MI (FHA|USDA|VA) 1 $255,000 $255,000 $7,728 10.13%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $250,000 $125,000 $7,414 9.13%
HINESVILLE, GA (FHA|USDA|VA) 1 $245,000 $245,000 $9,806 9.24%
CHICO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $10,283 10.13%
Laramie, WY (FHA|USDA|VA) 1 $245,000 $245,000 $10,022 7.99%
MUSKEGON, MI (FHA|USDA|VA) 2 $240,000 $120,000 $5,385 9.50%
Hobbs, NM (FHA|USDA|VA) 2 $240,000 $120,000 $7,788 9.25%
Marion, OH (FHA|USDA|VA) 1 $235,000 $235,000 $10,399 9.38%
Deming, NM (FHA|USDA|VA) 1 $235,000 $235,000 $10,454 8.99%
Defiance, OH (FHA|USDA|VA) 1 $235,000 $235,000 $8,879 10.38%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $235,000 $235,000 $10,290 9.50%
LANCASTER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $0 8.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $230,000 $115,000 $6,113 10.44%
THE VILLAGES, FL (FHA|USDA|VA) 2 $230,000 $115,000 $7,934 9.75%
Huntingdon, PA (FHA|USDA|VA) 1 $225,000 $225,000 $9,711 9.38%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $225,000 $225,000 $10,201 8.24%
Sanford, NC (FHA|USDA|VA) 1 $225,000 $225,000 $10,202 11.25%
MORRISTOWN, TN (FHA|USDA|VA) 1 $225,000 $225,000 $9,780 12.63%
Coos Bay, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,353 9.00%
Key West, FL (FHA|USDA|VA) 1 $215,000 $215,000 $7,825 10.50%
Sunbury, PA (FHA|USDA|VA) 1 $215,000 $215,000 $8,554 10.75%
Wilson, NC (FHA|USDA|VA) 1 $215,000 $215,000 $10,434 9.63%
GOLDSBORO, NC (FHA|USDA|VA) 2 $210,000 $105,000 $7,057 11.19%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $205,000 $205,000 $8,963 9.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $205,000 $205,000 $9,649 7.75%
Sevierville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $10,416 11.50%
LINCOLN, NE (FHA|USDA|VA) 1 $195,000 $195,000 $8,240 11.38%
HAMMOND, LA (FHA|USDA|VA) 1 $195,000 $195,000 $8,807 9.38%
LONGVIEW, WA (FHA|USDA|VA) 1 $195,000 $195,000 $8,766 9.00%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $195,000 $195,000 $8,029 10.50%
BILLINGS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $8,161 8.99%
ROCHESTER, NY (FHA|USDA|VA) 1 $195,000 $195,000 $10,320 11.00%
Sidney, OH (FHA|USDA|VA) 1 $185,000 $185,000 $7,245 10.38%
LAWTON, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
Silver City, NM (FHA|USDA|VA) 1 $185,000 $185,000 $7,678 7.88%
Rockport, TX (FHA|USDA|VA) 1 $185,000 $185,000 $9,629 8.50%
DOVER, DE (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.75%
Pahrump, NV (FHA|USDA|VA) 1 $165,000 $165,000 $9,057 10.25%
Kennett, MO (FHA|USDA|VA) 1 $165,000 $165,000 $7,970 10.88%
Clewiston, FL (FHA|USDA|VA) 1 $165,000 $165,000 $7,820 11.87%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $3,131 11.49%
Searcy, AR (FHA|USDA|VA) 1 $165,000 $165,000 $8,313 11.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $160,000 $80,000 $6,198 10.12%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $160,000 $80,000 $6,205 10.94%
Othello, WA (FHA|USDA|VA) 1 $155,000 $155,000 $4,243 9.37%
Plymouth, IN (FHA|USDA|VA) 1 $155,000 $155,000 $8,535 8.13%
TOLEDO, OH (FHA|USDA|VA) 1 $155,000 $155,000 $7,216 11.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $155,000 $155,000 $8,069 8.99%
Amsterdam, NY (FHA|USDA|VA) 1 $155,000 $155,000 $7,989 11.13%
Danville, VA (FHA|USDA|VA) 1 $155,000 $155,000 $6,724 9.63%
Troy, AL (FHA|USDA|VA) 1 $155,000 $155,000 $8,158 11.88%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,394 8.88%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $7,824 10.63%
MIDLAND, TX (FHA|USDA|VA) 1 $145,000 $145,000 $7,982 9.99%
GETTYSBURG, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,528 8.63%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $145,000 $145,000 $7,059 8.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $145,000 $145,000 $6,318 11.88%
Scottsbluff, NE (FHA|USDA|VA) 1 $145,000 $145,000 $6,301 9.38%
Cambridge, MD (FHA|USDA|VA) 1 $145,000 $145,000 $7,999 9.24%
Brainerd, MN (FHA|USDA|VA) 1 $145,000 $145,000 $6,797 12.63%
Warrensburg, MO (FHA|USDA|VA) 1 $145,000 $145,000 $6,718 9.25%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $140,000 $70,000 $5,557 10.37%
Shelby, NC (FHA|USDA|VA) 1 $135,000 $135,000 $7,582 8.63%
PITTSFIELD, MA (FHA|USDA|VA) 1 $135,000 $135,000 $0 13.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $135,000 $135,000 $7,117 8.63%
Kinston, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,639 9.24%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $135,000 $135,000 $7,895 10.63%
Roswell, NM (FHA|USDA|VA) 1 $135,000 $135,000 $6,898 8.99%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,725 11.88%
Coshocton, OH (FHA|USDA|VA) 1 $125,000 $125,000 $7,604 10.25%
Shawano, WI (FHA|USDA|VA) 1 $125,000 $125,000 $5,891 10.24%
JOPLIN, MO (FHA|USDA|VA) 1 $125,000 $125,000 $5,928 10.12%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $6,525 11.37%
Corsicana, TX (FHA|USDA|VA) 1 $115,000 $115,000 $9,445 11.50%
Hays, KS (FHA|USDA|VA) 1 $115,000 $115,000 $5,202 8.99%
Harrison, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.88%
MUNCIE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,154 9.25%
KOKOMO, IN (FHA|USDA|VA) 1 $105,000 $105,000 $6,100 10.25%
Albemarle, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.38%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $105,000 $105,000 $5,602 10.50%
Brookhaven, MS (FHA|USDA|VA) 1 $95,000 $95,000 $6,728 9.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $95,000 $95,000 $3,668 11.12%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.13%
UTICA-ROME, NY (FHA|USDA|VA) 1 $95,000 $95,000 $7,586 10.25%
MOBILE, AL (FHA|USDA|VA) 1 $95,000 $95,000 $6,338 10.88%
Frankfort, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,842 12.38%
Fort Dodge, IA (FHA|USDA|VA) 1 $85,000 $85,000 $5,156 9.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $85,000 $85,000 $6,899 9.13%
ABILENE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $6,658 8.00%
Adrian, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.63%
Mountain Home, AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,899 10.38%
YUMA, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $6,423 10.75%
STAUNTON, VA (FHA|USDA|VA) 1 $85,000 $85,000 $3,109 10.00%
GLENS FALLS, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.63%
Show Low, AZ (FHA|USDA|VA) 1 $75,000 $75,000 $6,138 12.38%
Martinsville, VA (FHA|USDA|VA) 1 $75,000 $75,000 $6,291 10.24%
Jesup, GA (FHA|USDA|VA) 1 $65,000 $65,000 $5,809 11.13%
Cornelia, GA (FHA|USDA|VA) 1 $65,000 $65,000 $5,776 13.50%
Okeechobee, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 12.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 12.25%
Huron, SD (FHA|USDA|VA) 1 $55,000 $55,000 $4,870 10.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.75%
Corning, NY (FHA|USDA|VA) 1 $45,000 $45,000 $1,626 11.45%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $35,000 $35,000 $1,306 9.45%
First National Bank Of America's top markets include Atlanta, Washington, New York, Boston, and Chicago among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,672 $1,053,850,000 $286,996 $11,854 9.61%

    For 2024, First National Bank Of America's most frequently originated type of loan was Conventional, with 3,672 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,275 $953,395,000 $291,113 $12,116 9.62%
    Cash Out Refi 137 $38,585,000 $281,642 $8,725 9.77%
    Refi 112 $32,290,000 $288,304 $11,302 9.20%
    Other 94 $20,390,000 $216,915 $9,699 9.50%
    Home Improvement 54 $9,190,000 $170,185 $8,386 9.70%

    For 2024, First National Bank Of America's most frequently cited loan purpose was Home Purchase, with 3,275 originations. The 2nd most popular reason was Cash Out Refi, with 137 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,289 $965,475,000 $293,547 $12,107 9.58%
    20 Year 177 $33,975,000 $191,949 $9,335 9.92%
    Other 121 $19,405,000 $160,372 $8,021 10.21%
    15 Year 66 $11,120,000 $168,485 $8,145 9.82%
    5 Year 18 $23,720,000 $1,317,778 $0 7.00%
    10 Year 1 $155,000 $155,000 $7,216 11.25%

    For 2024, First National Bank Of America's most frequently cited loan duration was 30 Year, with 3,289 originations. The 2nd most popular length was 20 Year, with 177 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,161 $960,615,000 $303,896
    $4k-5k 235 $28,555,000 $121,511
    $3k-4k 68 $5,770,000 $84,853
    $1k-2k 55 $11,775,000 $214,091
    $2k-3k 6 $330,000 $55,000
    $<1k 4 $150,000 $37,500

    First National Bank Of America's average total fees were $12,107, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,161 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 3,456 $974,760,000 $282,049
    7-8% 211 $69,455,000 $329,171
    6-7% 4 $9,630,000 $2,407,500
    <2.5% 1 $5,000 $5,000

    During 2024, First National Bank Of America's average interest rate for loans was 9.58%, while their most frequently originated rate bucket for loans was Over 8%, with 3,456 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,928 $547,860,000 $284,160 $11,879 9.56%
    $100k-200k 954 $147,470,000 $154,581 $8,173 9.78%
    $400k-600k 498 $235,080,000 $472,048 $17,315 9.42%
    $100,000 or less 162 $12,890,000 $79,568 $5,968 10.08%
    $600k-1MM 118 $84,360,000 $714,915 $22,639 9.31%
    $1MM+ 12 $26,190,000 $2,182,500 $34,202 7.56%

    2024 saw First National Bank Of America place emphasis on $200k-400k loans with 1,928 originations, totaling $547,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,000 $301,360,000 $301,360 $12,305 9.60%
    $150k-250k 737 $270,925,000 $367,605 $14,460 9.66%
    $75k-100k 716 $172,480,000 $240,894 $10,666 9.65%
    $50k-75k 632 $117,580,000 $186,044 $9,159 9.67%
    $250k+ 283 $123,995,000 $438,145 $16,205 9.76%
    $50k or less 231 $30,485,000 $131,970 $7,481 9.47%

    First National Bank Of America lent most frequently to those with incomes in the $100k-150k range, with 1,000 originations. The second most popular income band? $150k-250k, with 737 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 615 $165,675,000 $269,390 $11,548 9.62%
    20-30% 559 $149,795,000 $267,970 $11,434 9.70%
    50-60% 414 $124,020,000 $299,565 $11,989 9.46%
    <20% 271 $72,575,000 $267,804 $11,551 9.72%
    39% 137 $39,055,000 $285,073 $12,105 9.71%
    42% 134 $39,480,000 $294,627 $12,060 9.61%
    48% 129 $39,455,000 $305,853 $12,486 9.54%
    38% 129 $37,805,000 $293,062 $12,504 9.78%
    40% 128 $36,770,000 $287,266 $12,105 9.68%
    44% 128 $35,280,000 $275,625 $11,459 9.65%
    43% 127 $35,605,000 $280,354 $11,738 9.61%
    45% 126 $36,770,000 $291,825 $12,156 9.68%
    46% 126 $36,690,000 $291,190 $12,193 9.65%
    49% 119 $35,875,000 $301,471 $12,332 9.72%
    36% 118 $33,230,000 $281,610 $12,096 9.67%
    47% 117 $33,865,000 $289,444 $11,914 9.60%
    41% 117 $31,885,000 $272,521 $11,725 9.66%
    37% 104 $32,890,000 $316,250 $12,593 9.58%

    First National Bank Of America lent most frequently to those with DTI ratios of 30-36%, with 615 originations. The next most common DTI ratio? 20-30%, with 559 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,906 $832,950,000 $286,631 $12,091 9.65%
    Not provided 577 $153,615,000 $266,231 $10,927 9.59%
    Not applicable 53 $30,215,000 $570,094 $0 7.71%
    Asian 45 $13,715,000 $304,778 $12,198 9.27%
    American Indian 38 $10,190,000 $268,158 $10,469 9.53%
    Black 43 $10,085,000 $234,535 $9,218 9.80%
    Other Asian 7 $2,015,000 $287,857 $8,909 9.64%
    Asian Indian 1 $425,000 $425,000 $11,345 9.75%
    Native Hawaiian or Islander 1 $335,000 $335,000 $13,954 8.99%
    Other Pacific Islander 1 $305,000 $305,000 $9,625 10.00%

    Approval Rates

    Total approvals of all applications
    89.36%

    First National Bank Of America has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.25%

    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 3,672 $1,053,850,000 $286,996

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,672 $1,053,850,000 $286,996

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 122 $19,280,000 $158,033 $7,889 9.31%
    40-60% 327 $77,895,000 $238,211 $9,932 9.33%
    60-80% 2,194 $629,070,000 $286,723 $11,770 9.76%
    80-100% 1,021 $326,855,000 $320,132 $13,010 9.41%
    Under 20% 5 $605,000 $121,000 $5,379 7.78%