First National Bank Of America Mortgage Rates, Fees & Info
East Lansing, MILEI: 254900WTZC5SSKIN2M11
Tax ID: 38-1470765
1 stars
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Mortgage Data
Bank Data
Review & Overview
First National Bank Of America is a smaller bank specializing in loans. First National Bank Of America has a high proportion of conventional loans. Their top markets by origination volume include: Washington, Atlanta, Boston, Seattle, and Baltimore among others. We have data for 271 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 | 11.05% | 1/29/23 |
| 30 Year Conventional Refi | 10.66% | 1/29/23 |
| 30 Year Cash-out Refi | 11.15% | 1/29/23 |
| 15 Year Conventional Purchase | 11.37% | 1/29/23 |
| 15 Year Conventional Refi | 11.07% | 1/29/23 |
| 15 Year Cash-out Refi | 11.07% | 1/29/23 |
| 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. | ||
Originations
2,740Origination Dollar Volume (All Markets)
$648,730,000Employee count
335Relative Rate
First National Bank Of America's average 30 year fixed mortgage rate was
7.31%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 4.16%.
Relative Fees (Closing Costs)
First National Bank Of America's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,064.
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) | 189 | $53,495,000 | $283,042 | $12,144 | 7.24% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 222 | $49,620,000 | $223,514 | $8,869 | 7.48% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 92 | $33,540,000 | $364,565 | $13,834 | 7.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 71 | $25,825,000 | $363,732 | $12,585 | 7.07% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 116 | $25,390,000 | $218,879 | $9,964 | 7.31% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 120 | $23,250,000 | $193,750 | $8,750 | 7.27% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 86 | $22,060,000 | $256,512 | $11,192 | 7.10% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 55 | $17,255,000 | $313,727 | $12,851 | 6.97% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 57 | $17,065,000 | $299,386 | $12,199 | 7.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 60 | $15,880,000 | $264,667 | $11,072 | 7.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 85 | $14,415,000 | $169,588 | $9,177 | 7.21% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 45 | $12,795,000 | $284,333 | $10,664 | 7.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 54 | $11,760,000 | $217,778 | $8,776 | 7.08% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 59 | $11,265,000 | $190,932 | $8,925 | 7.44% |
| Outside of Metro Areas | 56 | $10,080,000 | $180,000 | $7,566 | 7.65% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 43 | $10,055,000 | $233,837 | $9,976 | 6.88% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 41 | $10,035,000 | $244,756 | $10,564 | 7.30% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 48 | $9,930,000 | $206,875 | $9,986 | 7.26% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 25 | $9,345,000 | $373,800 | $13,457 | 7.47% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 63 | $8,805,000 | $139,762 | $6,986 | 7.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 28 | $8,270,000 | $295,357 | $12,233 | 7.52% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 35 | $8,245,000 | $235,571 | $10,446 | 7.72% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $8,000,000 | $1,000,000 | $6,612 | 6.84% |
| RICHMOND, VA (FHA|USDA|VA) | 42 | $7,770,000 | $185,000 | $9,253 | 7.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 25 | $7,305,000 | $292,200 | $12,414 | 7.32% |
| SALEM, OR (FHA|USDA|VA) | 22 | $7,200,000 | $327,273 | $12,029 | 6.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 36 | $6,800,000 | $188,889 | $9,228 | 7.51% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 36 | $6,740,000 | $187,222 | $8,795 | 7.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 19 | $6,575,000 | $346,053 | $11,885 | 7.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 36 | $5,950,000 | $165,278 | $7,648 | 7.32% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 19 | $5,885,000 | $309,737 | $5,229 | 6.19% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 28 | $5,380,000 | $192,143 | $8,406 | 7.37% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 17 | $5,155,000 | $303,235 | $10,189 | 6.77% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 23 | $4,345,000 | $188,913 | $8,604 | 7.32% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 26 | $4,300,000 | $165,385 | $7,781 | 7.71% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 25 | $4,275,000 | $171,000 | $8,550 | 7.09% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 19 | $3,955,000 | $208,158 | $10,027 | 7.67% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 12 | $3,930,000 | $327,500 | $11,115 | 7.34% |
| PROVO-OREM, UT (FHA|USDA|VA) | 10 | $3,900,000 | $390,000 | $11,637 | 7.08% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 23 | $3,775,000 | $164,130 | $7,743 | 7.82% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 15 | $3,175,000 | $211,667 | $7,482 | 7.46% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 11 | $2,945,000 | $267,727 | $10,815 | 7.16% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $2,940,000 | $210,000 | $9,439 | 7.82% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 18 | $2,920,000 | $162,222 | $7,795 | 7.51% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $2,820,000 | $352,500 | $12,881 | 6.85% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $2,790,000 | $348,750 | $11,220 | 6.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 11 | $2,565,000 | $233,182 | $9,499 | 7.23% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $2,545,000 | $231,364 | $9,548 | 7.26% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 11 | $2,535,000 | $230,455 | $9,639 | 7.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $2,485,000 | $146,176 | $6,234 | 7.85% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $2,460,000 | $175,714 | $7,168 | 7.36% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $2,420,000 | $302,500 | $9,956 | 6.84% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $2,295,000 | $208,636 | $9,570 | 7.37% |
| RENO, NV (FHA|USDA|VA) | 8 | $2,200,000 | $275,000 | $9,252 | 7.26% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $2,185,000 | $437,000 | $12,340 | 6.55% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $2,145,000 | $429,000 | $10,903 | 7.49% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $2,055,000 | $186,818 | $7,868 | 7.25% |
| Vineyard Haven, MA (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $17,655 | 7.55% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $8,094 | 7.25% |
| Othello, WA (FHA|USDA|VA) | 11 | $1,825,000 | $165,909 | $7,914 | 7.46% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 11 | $1,775,000 | $161,364 | $8,101 | 7.43% |
| MUSKEGON, MI (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $6,194 | 6.46% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $1,710,000 | $142,500 | $6,406 | 7.82% |
| Moses Lake, WA (FHA|USDA|VA) | 9 | $1,595,000 | $177,222 | $8,117 | 7.51% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,575,000 | $175,000 | $7,399 | 7.15% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $8,835 | 7.06% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $10,608 | 7.43% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $8,564 | 7.19% |
| ST. GEORGE, UT (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $9,365 | 7.19% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $9,197 | 7.35% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $15,726 | 7.24% |
| GAINESVILLE, GA (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $8,179 | 6.89% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $8,965 | 8.03% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $8,744 | 6.98% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $7,549 | 7.14% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $8,253 | 7.69% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $12,450 | 6.67% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $7,229 | 7.54% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $7,849 | 7.42% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $7,761 | 7.45% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $9,492 | 7.22% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,539 | 6.71% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $14,539 | 7.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,449 | 7.34% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $9,861 | 6.88% |
| ROANOKE, VA (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $7,380 | 7.20% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $885,000 | $126,429 | $7,239 | 7.43% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $12,283 | 7.33% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $8,562 | 7.41% |
| WALLA WALLA, WA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $9,272 | 7.40% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $12,551 | 6.69% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $12,673 | 7.39% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $8,034 | 7.63% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $8,176 | 7.22% |
| Torrington, CT (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $9,012 | 7.25% |
| Key West, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $16,345 | 7.20% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $12,436 | 6.81% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $10,132 | 6.79% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $13,297 | 7.19% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $10,016 | 7.08% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $7,163 | 7.25% |
| Easton, MD (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $9,285 | 7.37% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $8,082 | 6.72% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,759 | 6.82% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $6,962 | 7.59% |
| DOVER, DE (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,013 | 8.19% |
| ROCKFORD, IL (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $6,582 | 7.18% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $8,651 | 6.58% |
| OCALA, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $8,542 | 7.76% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $12,191 | 7.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $7,931 | 7.29% |
| Laconia, NH (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,358 | 7.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $9,046 | 7.13% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $16,806 | 6.69% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,743 | 7.25% |
| Concord, NH (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $8,812 | 7.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,236 | 7.06% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,709 | 6.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $9,169 | 7.81% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,906 | 8.00% |
| Pahrump, NV (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $9,233 | 8.46% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $17,824 | 7.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,904 | 7.38% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $18,169 | 6.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $17,005 | 7.50% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $8,548 | 7.04% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $15,603 | 7.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $8,089 | 6.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $10,467 | 7.31% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 5.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $14,406 | 7.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $5,888 | 7.91% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,785 | 7.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,489 | 6.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,669 | 6.10% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,798 | 7.13% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,309 | 7.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,230 | 6.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $8,813 | 7.69% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $5,140 | 7.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $11,242 | 6.99% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,258 | 7.13% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,273 | 7.25% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,667 | 6.63% |
| RACINE, WI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $6,120 | 7.08% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,900 | 7.25% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,056 | 7.38% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,128 | 7.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,184 | 7.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,922 | 7.38% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,201 | 7.43% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,502 | 8.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $9,087 | 7.44% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,366 | 7.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,558 | 7.24% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $13,010 | 6.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,083 | 6.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,628 | 7.31% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,519 | 8.69% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,430 | 7.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,958 | 7.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,404 | 7.50% |
| Burley, ID (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,962 | 7.00% |
| Centralia, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,545 | 6.88% |
| Pecos, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,639 | 7.88% |
| AKRON, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,969 | 7.56% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,821 | 7.19% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,426 | 7.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,299 | 8.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,442 | 7.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,471 | 7.75% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,509 | 7.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,285 | 7.00% |
| Plainview, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $5,911 | 7.21% |
| TULSA, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,532 | 7.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,070 | 7.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,153 | 7.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,274 | 7.24% |
| Mount Pleasant, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,585 | 7.56% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,356 | 7.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,138 | 9.13% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,784 | 7.44% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,277 | 8.88% |
| MADISON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,781 | 7.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $6,055 | 6.88% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,058 | 7.38% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,115 | 7.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,609 | 6.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,924 | 7.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,393 | 7.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,892 | 7.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,735 | 7.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,715 | 7.00% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,824 | 8.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $6,082 | 8.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,580 | 6.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,290 | 6.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,808 | 7.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,020 | 6.75% |
| Laramie, WY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,865 | 8.88% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,765 | 6.45% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,321 | 8.50% |
| Brenham, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,574 | 7.50% |
| READING, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $7,080 | 6.88% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,519 | 7.44% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.40% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,732 | 7.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,286 | 6.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,430 | 7.25% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,850 | 7.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,304 | 7.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,255 | 7.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,940 | 7.38% |
| Forest City, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,131 | 6.99% |
| Auburn, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,538 | 7.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,145 | 8.00% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,753 | 6.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,256 | 6.25% |
| OWENSBORO, KY (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $5,026 | 7.38% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,015 | 8.88% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,205 | 6.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.25% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,908 | 7.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,026 | 6.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,620 | 7.50% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,099 | 7.38% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,160 | 7.50% |
| Ashland, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,093 | 7.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,906 | 8.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,199 | 6.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $4,527 | 8.94% |
| Alpena, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,400 | 6.25% |
| DALTON, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,332 | 6.50% |
| Greenville, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,077 | 9.25% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,776 | 6.88% |
| Farmington, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,769 | 8.50% |
| Vernal, UT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,511 | 7.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,495 | 6.75% |
| ROME, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,220 | 7.38% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,985 | 10.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,840 | 7.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,141 | 6.75% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,106 | 7.50% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,265 | 7.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,807 | 7.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,082 | 8.63% |
| Crossville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,168 | 7.75% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,914 | 7.50% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,686 | 7.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,297 | 6.99% |
| Searcy, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,731 | 7.25% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,623 | 7.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,846 | 7.88% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,210 | 7.13% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,939 | 6.75% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,116 | 6.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,995 | 7.00% |
| NILES, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,423 | 6.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,370 | 6.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,431 | 8.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,213 | 8.13% |
| Riverton, WY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,739 | 6.50% |
| Columbus, NE (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,965 | 7.38% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,387 | 8.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,316 | 8.88% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.25% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,648 | 8.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,965 | 11.63% |
| Urbana, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,211 | 7.95% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,740 | $648,730,000 | $236,763 | $9,807 | 7.32% |
For 2021, First National Bank Of America's most frequently originated type of loan was Conventional, with 2,740 originations.
Loan Reason
For 2021, First National Bank Of America's most frequently cited loan purpose was Home Purchase, with 2,473 originations. The 2nd most popular reason was Refi, with 101 originations.
Loan Duration/Length
For 2021, First National Bank Of America's most frequently cited loan duration was 30 Year, with 2,426 originations. The 2nd most popular length was 20 Year, with 132 originations.
Origination Fees/Closing Costs
First National Bank Of America's average total fees were $10,064, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,083 originations.
Interest Rates
During 2021, First National Bank Of America's average interest rate for loans was 7.31%, while their most frequently originated rate bucket for loans was 7-8%, with 1,240 originations.
Loan Sizing
2021 saw First National Bank Of America place emphasis on $200k-400k loans with 1,201 originations, totaling $332,295,000 in origination value.
Applicant Income
First National Bank Of America lent most frequently to those with incomes in the $50k-75k range, with 882 originations. The second most popular income band? $75k-100k, with 537 originations.
Applicant Debt to Income Ratio
First National Bank Of America lent most frequently to those with DTI ratios of 20-30%, with 469 originations. The next most common DTI ratio? 30-36%, with 435 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.75%
First National Bank Of America has an average approval rate.
Pick Rate
Approvals leading to origination67.08%
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 | 2,740 | $648,730,000 | $236,763 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Other type of mortgage | Struggling to pay mortgage | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | FHA mortgage | Improper use of your report | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First National Bank of America | 241 East Saginaw East Lansing, MI 48823 | Full Service B&M | $1,604,321 |
| First National Bank of America | 315 N. Division Traverse City, MI 49684 | Full Service B&M | $211,663 |
| First National Bank of America | 4660 Kalamazoo Grand Rapids, MI 49508 | Full Service B&M | $192,994 |
For 2021, First National Bank Of America had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $232,974 |
| Net interest income | $195,229 |
| Total noninterest income | $2,986 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $62 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,924 |
| Pre-tax net operating income | $147,017 |
| Securities gains (or losses, -) | $-246 |
| Income before extraordinary items | $115,968 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $115,968 |
| Minority interest net income | $0 |
| Net income | $115,968 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $116,162 |
First National Bank Of America's gross interest income from loans was $232,974,000.
First National Bank Of America's net interest income from loans was $195,229,000.
First National Bank Of America's fee based income from loans was $62,000.
First National Bank Of America's net income from loans was $115,968,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $37,745 |
| Provision for credit losses | $-850 |
| Total noninterest expense | $52,048 |
| Salaries and employee benefits | $32,616 |
| Premises and equipment expense | $1,848 |
| Additional noninterest expense | $17,584 |
| Applicable income taxes | $30,803 |
| Net charge-offs | $-68 |
| Cash dividends | $105,000 |
First National Bank Of America's interest expense for loans was $37,745,000.
First National Bank Of America's payroll and benefits expense were $32,616,000.
First National Bank Of America's property, plant and equipment expenses $1,848,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 1.0% |
| Nonfarm, nonresidential loans | 6.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,182,740 |
| Deposits held in domestic offices | $2,182,740 |
| Deposits by Individuals, partnerships, and corporations | $2,099,839 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $17,449 |
| Deposits by Commercial banks and other depository institutions in U.S. | $65,452 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $431,438 |
| Demand deposits | $97,558 |
| Nontransaction accounts | $1,751,302 |
| Money market deposit accounts (MMDAs) | $38,029 |
| Other savings deposits (excluding MMDAs) | $20,895 |
| Total time deposits | $1,692,378 |
| Total time and savings deposits | $2,085,182 |
| Noninterest-bearing deposits | $97,558 |
| Interest-bearing deposits | $2,085,182 |
| Retail deposits | $1,262,835 |
| IRAs and Keogh plan accounts | $66,769 |
| Brokered deposits | $686,287 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $3,310,189 |
| Cash & Balances due from depository institutions | $92,830 |
| Interest-bearing balances | $88,103 |
| Total securities | $88,276 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,044,778 |
| Loan and leases loss allowance | $34,666 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $8,830 |
| Other real estate owned | $4,312 |
| Goodwill and other intangibles | $0 |
| All other assets | $71,163 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $3,310,189 |
| Total Liabilities | $3,010,919 |
| Total deposits | $2,182,740 |
| Interest-bearing deposits | $2,085,182 |
| Deposits held in domestic offices | $2,182,740 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $815,000 |
| Subordinated debt | $0 |
| All other liabilities | $13,179 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,044,778 |
| Loan and leases loss allowance | $34,666 |
| Total loans and leases (domestic) | $3,079,444 |
| All real estate loans | $3,069,973 |
| Real estate loans in domestic offices | $3,069,973 |
| Construction and development loans | $41,711 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $41,711 |
| Loans secured by nonfarm nonresidential properties | $74,715 |
| Nonfarm nonresidential secured by owner-occupied properties | $28,160 |
| Commercial real estate & other non-farm, non-residential | $46,555 |
| Multifamily residential real estate | $35,697 |
| 1-4 family residential loans | $2,910,129 |
| Farmland loans | $7,721 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $3,484 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $3,494 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $3,494 |
| All other loans & leases | $2,493 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $2,493 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $3,185 |
| Restructured Loans & leases | $10,317 |
| Non 1-4 family restructured loans & leases | $824 |
| Total loans and leases (foreign) | $0 |
First National Bank of America had $3,044,778,000 of loans outstanding in 2021. $3,069,973,000 of loans were in real estate loans. $41,711,000 of loans were in development loans. $35,697,000 of loans were in multifamily mortgage loans. $2,910,129,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 378 | $38,943 | $103,024 |
| Nonfarm, nonresidential loans - <$100k | 159 | $5,355 | $33,679 |
| Nonfarm, nonresidential loans - $100-250k | 155 | $13,931 | $89,877 |
| Nonfarm, nonresidential loans - $250k-1MM | 64 | $19,657 | $307,141 |
| Commercial & Industrial, US addressed loans - <$1MM | 21 | $2,283 | $108,714 |
| Commercial & Industrial, US addressed loans - <$100k | 9 | $277 | $30,778 |
| Commercial & Industrial, US addressed loans - $100-250k | 10 | $1,342 | $134,200 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 2 | $664 | $332,000 |
| Farmland loans - <$1MM | 89 | $7,317 | $82,213 |
| Farmland loans - <$100k | 40 | $1,258 | $31,450 |
| Farmland loans - $100-250k | 38 | $3,770 | $99,211 |
| Farmland loans - $250k-1MM | 11 | $2,289 | $208,091 |