What loan types does First National Bank of America offer?

First National Bank of America offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does First National Bank of America offer mortgages?

First National Bank of America is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are First National Bank of America's mortgage rates?

First National Bank of America has an overall pricing score of 0.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First National Bank of America?

First National Bank of America is a Bank headquartered in East Lansing, MI.

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First National Bank of America

Bank•East Lansing, MIHQ•Wholesale•Reviews near you on Google

We analyzed every closed loan from First National Bank of America — 3.1k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

National · 49 mkts

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Rates typically 187 basis points above market average
Higher than average fees ($6,885)

Explore another lender or local market

Report Card

First National Bank of America performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+186.8 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Mediocre	Sound	3,126	99.4%	+1.868%Above	$6,885Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	19	0.6%	—	—

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume3,126

Mix99.4%

Spread

+1.868%Above

Fees

$6,885Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume19

Mix0.6%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Sound	2,941	93.5%	+1.874%Above	$7,211Fees
Refinance	Sound	Sound	—	Acceptable	204	6.5%	+1.828%Above	$4,716Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume2,941

Mix93.5%

Spread

+1.874%Above

Fees

$7,211Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume204

Mix6.5%

Spread

+1.828%Above

Fees

$4,716Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,145

Applications

4,598

Volume

$934 million

Pricing & Closing

Avg Rate Spread

+1.868%

vs. market APOR

Avg Net Fees

$6,885

Origination − Credits

Pullthrough Rate

68.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$297,258

Avg Borrower Income

$138,590

Avg Property Value

$400,546

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJNYPARI

Midwest10

IAILINKSMIMNMONEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West12

AKAZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 187Mix 5.95% of portfolio

70/100

Strong

2© WeaponizingArchitecture · CC BY-SA 4.0

Charleston, SCMetro

Volume 76Mix 2.42% of portfolio

68/100

Strong

3© Quintin Soloviev · CC BY 4.0

Bridgeport, CTMetro

Volume 62Mix 1.97% of portfolio

67/100

Strong

4© Ad Meskens · CC BY-SA 3.0

Washington, DC, DC-MDMetro

Volume 69Mix 2.19% of portfolio

65/100

Strong

5© Bubba73 · CC BY-SA 3.0

Marietta, GAMetro

Volume 73Mix 2.32% of portfolio

65/100

Strong

6© John Picken; derivative by Georgfotoart · CC BY 2.0

Chicago, ILMetro

Volume 137Mix 4.36% of portfolio

65/100

Strong

7© Andrew Parlette from Elkridge,MD, US · CC BY 2.0

Baltimore, MDMetro

Volume 89Mix 2.83% of portfolio

63/100

Strong

Charlotte, NC-SCMetro

Volume 84Mix 2.67% of portfolio

63/100

Strong

Birmingham, ALMetro

Volume 50Mix 1.59% of portfolio

62/100

Strong

Frederick, MDMetro

Volume 48Mix 1.53% of portfolio

62/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

GeorgiaState

Volume 293Mix 9.32% of portfolio

71/100

Strong

MarylandState

Volume 232Mix 7.38% of portfolio

71/100

Strong

ConnecticutState

Volume 146Mix 4.64% of portfolio

68/100

Strong

South CarolinaState

Volume 146Mix 4.64% of portfolio

67/100

Strong

MassachusettsState

Volume 168Mix 5.34% of portfolio

67/100

Strong

IllinoisState

Volume 181Mix 5.76% of portfolio

65/100

Strong

VirginiaState

Volume 142Mix 4.52% of portfolio

65/100

Strong

North CarolinaState

Volume 205Mix 6.52% of portfolio

64/100

Strong

New JerseyState

Volume 113Mix 3.59% of portfolio

63/100

Strong

TexasState

Volume 183Mix 5.82% of portfolio

60/100

Strong

Showing 10 of 32 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.