First National Bank Of America Mortgage Rates, Fees & Info

East Lansing, MI

LEI: 254900WTZC5SSKIN2M11

Tax ID: 38-1470765

1 stars - out of 5 stars, based on 52 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • 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.

    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 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

    2,740

    Origination Dollar Volume (All Markets)

    $648,730,000

    Employee count

    335

    Relative 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%
    First National Bank Of America's top markets include Washington, Atlanta, Boston, Seattle, and Baltimore among others.

    Their top states include:
  • Maryland (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,473 $593,485,000 $239,986 $9,967 7.34%
    Refi 101 $20,745,000 $205,396 $8,711 6.90%
    Cash Out Refi 85 $18,435,000 $216,882 $7,661 7.32%
    Other 62 $12,170,000 $196,290 $8,642 7.27%
    Home Improvement 19 $3,895,000 $205,000 $7,556 7.27%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,426 $590,330,000 $243,335 $10,064 7.31%
    20 Year 132 $17,700,000 $134,091 $7,123 7.85%
    15 Year 72 $10,570,000 $146,806 $6,585 7.23%
    Other 61 $14,095,000 $231,066 $7,969 7.69%
    10 Year 27 $8,395,000 $310,926 $5,205 6.38%
    5 Year 18 $5,300,000 $294,444 $0 5.18%
    3 Year 4 $2,340,000 $585,000 $0 5.19%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,083 $552,475,000 $265,230
    $4k-5k 400 $52,510,000 $131,275
    $3k-4k 125 $11,555,000 $92,440
    $1k-2k 20 $3,360,000 $168,000
    $2k-3k 11 $625,000 $56,818
    $<1k 4 $160,000 $40,000

    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

    Loan Rate Originations Total Value Average Loan
    7-8% 1,240 $300,990,000 $242,734
    6-7% 1,034 $246,640,000 $238,530
    Over 8% 397 $76,185,000 $191,902
    5-6% 59 $15,475,000 $262,288
    4-5% 10 $9,440,000 $944,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,201 $332,295,000 $276,682 $10,967 7.26%
    $100k-200k 1,069 $164,235,000 $153,634 $7,655 7.38%
    $400k-600k 230 $107,150,000 $465,870 $15,967 7.21%
    $100,000 or less 212 $16,790,000 $79,198 $5,657 7.58%
    $600k-1MM 19 $12,905,000 $679,211 $22,224 6.81%
    $1MM+ 9 $15,355,000 $1,706,111 $18,954 5.92%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 882 $174,000,000 $197,279 $8,896 7.31%
    $75k-100k 537 $133,865,000 $249,283 $10,286 7.33%
    $50k or less 506 $70,720,000 $139,763 $7,232 7.34%
    $100k-150k 428 $130,560,000 $305,047 $11,694 7.37%
    $150k-250k 219 $71,565,000 $326,781 $12,400 7.50%
    $250k+ 105 $43,755,000 $416,714 $14,566 7.46%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 469 $100,775,000 $214,872 $9,203 7.44%
    30-36% 435 $99,465,000 $228,655 $9,760 7.37%
    50-60% 272 $66,800,000 $245,588 $10,001 7.19%
    <20% 200 $46,550,000 $232,750 $9,838 7.43%
    38% 103 $24,885,000 $241,602 $10,286 7.33%
    36% 103 $23,845,000 $231,505 $9,777 7.30%
    46% 101 $24,395,000 $241,535 $10,073 7.24%
    41% 100 $24,600,000 $246,000 $10,253 7.42%
    43% 97 $23,195,000 $239,124 $10,207 7.41%
    40% 96 $21,790,000 $226,979 $9,875 7.34%
    37% 94 $22,640,000 $240,851 $10,159 7.31%
    48% 92 $22,400,000 $243,478 $9,978 7.24%
    44% 91 $20,225,000 $222,253 $9,594 7.33%
    42% 90 $20,690,000 $229,889 $9,489 7.42%
    49% 87 $21,985,000 $252,701 $10,279 7.44%
    47% 86 $21,230,000 $246,860 $10,116 7.15%
    39% 83 $18,895,000 $227,651 $9,635 7.39%
    45% 78 $20,100,000 $257,692 $9,936 7.40%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,075 $488,295,000 $235,323 $10,084 7.34%
    Not provided 477 $106,935,000 $224,182 $8,734 7.32%
    Not applicable 50 $19,980,000 $399,600 $0 5.70%
    Black 72 $17,580,000 $244,167 $9,540 7.65%
    American Indian 33 $8,215,000 $248,939 $9,728 7.30%
    Asian 18 $4,770,000 $265,000 $10,007 7.60%
    Other Asian 8 $1,260,000 $157,500 $6,999 7.40%
    Other Pacific Islander 4 $690,000 $172,500 $5,681 7.78%
    Asian Indian 2 $570,000 $285,000 $9,039 6.75%
    Native Hawaiian or Islander 1 $435,000 $435,000 $15,603 7.38%

    Approval Rates

    Total approvals of all applications
    92.75%

    First National Bank Of America has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.08%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,740 $648,730,000 $236,763

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $10,355,000 $169,754 $7,497 6.95%
    40-60% 224 $46,150,000 $206,027 $8,445 7.01%
    60-80% 1,767 $414,225,000 $234,423 $9,732 7.42%
    80-100% 679 $177,275,000 $261,082 $10,620 7.20%
    Under 20% 5 $565,000 $113,000 $6,946 6.14%

    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